Podcasts about Ahold

De houdbaarheidsdatum van bazen in het bedrijfsleven lijkt steeds korter te worden. De Telegraaf meldde dat in 2024 ruim 200 ceo's zijn vertrokken. Dat is 10 procent meer dan een jaar eerder. Recent vertrokken bijvoorbeeld de leiders van Ahold, Unilever en PostNL. Wat is er aan de hand in de top van bedrijven? In deze aflevering ook aandacht voor nieuw onderzoek naar effectief leiderschap. De resultaten zijn verrassend. Luister en hoor ook waarom altijd zo schimmig wordt gedaan over het vertrek van topbestuurders.

De wonderen zijn de wereld nog niet uit. Sloot Trump gisteren ineens een handelsdeal met de Britten, dit weekend gaat 'ie heel ver voor een deal met de Chinezen. Zo ver zelfs dat 'ie bereid is de tarieven drastisch te verlagen.Ze staan er in China zelf ook van te kijken. Waarom wil Trump zo graag? We bespreken het deze aflevering. Dan hoor je ook waarom China het (ondanks die handelsoorlog) extreem veel exporteert. Sterker nog: de binnenlandse vraag valt nauwelijks terug. Verder vertellen we je over BP. Het aandeel zit in een diep dal en dat zet concurrenten aan het denken. Die zijn allemaal aan het berekenen of zij de Britse oliereus willen overnemen. Shell zegt dat het ze niet waard is, maar is dat ook echt zo? We hebben het ook over de Duitse beurs. Beleggers daar hebben een nieuwe bondskanselier en die zal dit succes vast willen claimen: de DAX-index tikt namelijk een nieuw record aan. En Elon Musk vindt de 260.000 ontslagen die hij bij de Amerikaanse overheid regelde nog niet genoeg. Hij heeft een stukje software ontwikkeld die zijn taken daar kan overnemen. En we blikken terug op de week waarin Jelle eindelijk analisten meekreeg in zijn enthousiasme over Disney. Ook een beursweek waarin Ahold zei geen last te hebben van de handelsoorlog. En die waarin de eerste deal in die oorlog gesloten werd.See omnystudio.com/listener for privacy information.

nschrijven voor de opleiding veilige optiehandel? Ga naar:https://www.deaandeelhouderacademy.nl/registrerenInschrijven voor het webinar van Saxo: Omgaan met volatiliteit ? Ga naar:home.saxo/nl-nl/campaigns/webinars/2025/05/15/trader-tafel-omgaan-volatiliteit-opties-beleggenMeer weten over de mogelijkheden bij Saxo Bank? Klik dan op deze link: home.saxo/nl-nl/campaigns/invest-for-less?cmpid=disp_cm_31945878_394457563_214280992&dclid=CNe1rrqHyokDFcbsEQgdtWcPJg Lid worden van ProBeleggen? Ga naar: probeleggen.nl/aanmelden/registreren Lid worden van de aandeelhouder? Ga naar: deaandeelhouder.nl/premium In de wekelijkse podcast van DeAandeelhouder ontvangen Nico Inberg en Albert Jellema diverse experts uit de financiële wereld om te praten over de beurs, beleggen en aandelen. Deze week verwelkomen we optie-expert Vincent VisAandelen die aan bod komen zijn Ahold, Pharming, AMG, BAM, ForFarmers, Rheinmetall, Palantir, AMD, Philips & nog veel meer!Volg DeAandeelhouder op andere kanalen:Website: deaandeelhouder.nl Twitter (X):  twitter.com/deaandeelhouderTikTok:  tiktok.com/@deaandeelhouderInstagram:  instagram.com/deaandeelhouderFacebook: facebook.com/DeAandeelHouderLinkedIn: linkedin.com/company/de-aandeelhouder-nl

Ahold Delhaize is heel erg afhankelijk van de Amerikaanse markt en toch doen ze daar iets bijzonders. Ze hebben de prijzen verlaagd, zonder dat hun winstmarge er aan moet geloven. En ook de handelsoorlog raakt ze niet echt. Let je op, Elon? Deze aflevering hebben we het namelijk over de tactiek van de topman waar Musk wat van kan leren: Frans Muller. Hoe komt het dat Ahold geen echte last heeft van de importtarieven van president Trump? Over Trump en tarieven gesproken: China en de VS gaan met elkaar om de tafel over de handelsoorlog! In (toepasselijk) Zwitserland gaan de kemphanen met elkaar in gesprek. China zegt nu al dat je er niet teveel van moet verwachten, maar wij kijken of er tóch gestunt gaat worden. Stunten doet Disney ook. Met de streamingtak bijvoorbeeld. Netflix wil géén abonneecijfers delen, Disney doet dat wél. Er komen miljoenen klanten meer bij dan verwacht. En topman Bob Iger werkt nog even aan zijn erfenis. Er komt een themapark bij. De zevende van Disney op de wereld en die wordt gebouwd in een golfstaat. Ook hebben we het over Oprah Winfrey, de kwartaalcijfers van Uber, over een goedkoop model van Tesla en over twee landen die elkaar bestoken met raketten. See omnystudio.com/listener for privacy information.

Ahold Delhaize is heel erg afhankelijk van de Amerikaanse markt en toch doen ze daar iets bijzonders. Ze hebben de prijzen verlaagd, zonder dat hun winstmarge er aan moet geloven. En ook de handelsoorlog raakt ze niet echt. Let je op, Elon?

The crosswalk is talking to me man!, don't block my website without due process, Florida is demanding encryption backdoors, attacking boilers and banning HackRF Ones, time to update your flipper zero, using AI to create working exploits, what happens when you combine an RP2350 and an ESP32? Hopefully good hackery things!, more evidence that patching is not enough, auditing the PHP source code, reading the MEGA advisories, threat actors lie about data breaches (you don't say?), the data breach that Hertz, CISA warns of ransomware, some can't get Ahold of data breaches, please don't let people take control of your PC over Zoom and Paul's hot takes on: 4chan hack, the CVE program, and Microsoft Recall! Visit https://www.securityweekly.com/psw for all the latest episodes! Show Notes: https://securityweekly.com/psw-871

The crosswalk is talking to me man!, don't block my website without due process, Florida is demanding encryption backdoors, attacking boilers and banning HackRF Ones, time to update your flipper zero, using AI to create working exploits, what happens when you combine an RP2350 and an ESP32? Hopefully good hackery things!, more evidence that patching is not enough, auditing the PHP source code, reading the MEGA advisories, threat actors lie about data breaches (you don't say?), the data breach that Hertz, CISA warns of ransomware, some can't get Ahold of data breaches, please don't let people take control of your PC over Zoom and Paul's hot takes on: 4chan hack, the CVE program, and Microsoft Recall! Show Notes: https://securityweekly.com/psw-871

The crosswalk is talking to me man!, don't block my website without due process, Florida is demanding encryption backdoors, attacking boilers and banning HackRF Ones, time to update your flipper zero, using AI to create working exploits, what happens when you combine an RP2350 and an ESP32? Hopefully good hackery things!, more evidence that patching is not enough, auditing the PHP source code, reading the MEGA advisories, threat actors lie about data breaches (you don't say?), the data breach that Hertz, CISA warns of ransomware, some can't get Ahold of data breaches, please don't let people take control of your PC over Zoom and Paul's hot takes on: 4chan hack, the CVE program, and Microsoft Recall! Visit https://www.securityweekly.com/psw for all the latest episodes! Show Notes: https://securityweekly.com/psw-871

The crosswalk is talking to me man!, don't block my website without due process, Florida is demanding encryption backdoors, attacking boilers and banning HackRF Ones, time to update your flipper zero, using AI to create working exploits, what happens when you combine an RP2350 and an ESP32? Hopefully good hackery things!, more evidence that patching is not enough, auditing the PHP source code, reading the MEGA advisories, threat actors lie about data breaches (you don't say?), the data breach that Hertz, CISA warns of ransomware, some can't get Ahold of data breaches, please don't let people take control of your PC over Zoom and Paul's hot takes on: 4chan hack, the CVE program, and Microsoft Recall! Show Notes: https://securityweekly.com/psw-871

Send us a textJeff Sigel is an author, coach, and consultant who is passionate about creating better work environments and more fulfilling careers for middle managers everywhere. After over 20 years of corporate experience at Nabisco, The Hershey Company, grocery retailer Ahold, and the restaurant company Cracker Barrel, Jeff has shifted his focus to coaching mid-level leaders and supporting companies looking to empower their middle management teams. He is currently a consultant and coach focused on turning strategy into action by developing middle management excellence. His book, "The Middle Matters: A Toolkit for Middle Managers" was published in June 2024.A Few (Awesome) Quotes From This Episode“I spent a lot of years in middle management doing stuff wrong.”"These are the hardest skills that we actually have to learn to do our jobs—the so-called ‘soft skills.'""The goal of leadership is to create the conditions where you trust your team to function at a high level even when you are not there.”Resources Mentioned in This Episode Book: Leading YourselfAbout The International Leadership Association (ILA)The ILA was created in 1999 to bring together professionals interested in studying, practicing, and teaching leadership. Plan for Prague - October 15-18, 2025!About  Scott J. AllenWebsiteWeekly Newsletter: Practical Wisdom for LeadersBlogMy Approach to HostingThe views of my guests do not constitute "truth." Nor do they reflect my personal views in some instances. However, they are views to consider, and I hope they help you clarify your perspective. Nothing can replace your reflection, research, and exploration of the topic. ♻️ Please share with others and follow/subscribe to the podcast!⭐️ Please leave a review on Apple, Spotify, or your platform of choice.➡️ Follow me on LinkedIn for more on leadership, communication, and tech.

Al wekenlang jaagt de FBI op Tesla terroristen, mensen die Tesla's in de brand steken. Maar de échte terreur vindt plaats in de financiën van het bedrijf. Het eerste kwartaal was ronduit dramatisch. Topman Elon Musk geeft daarbij toe dat hij de reden is.Deze aflevering hebben we het over de onmogelijke positie van Tesla. Het blijft afhankelijk van een topman die toch bij blijft klussen voor de Amerikaanse president. Een president die tarieven oplegt waar Tesla dan weer enorme last van heeft.We kijken of Musk een list weet te verzinnen. Hoe (en vooral waar) kan hij meer Tesla's verkopen, met betere marges? Tesla drijft nu alleen nog maar op de verkoop van emissierechten...Verder hebben we het over héél veel kwartaalcijfers van eigen bodem. AkzoNobel, Randstad, Just Eat Takeaway en Besi komen voorbij. Vooral die laatste is interessant. Het aandeel stond even 11,5 procent in de plus, maar de koers stortte daarna als een kaartenhuis in elkaar. We onderzoeken waar de angst van beleggers vandaan komt. We vertellen je ook meer over boekhouding en personeelszaken. Saai? Nee! Het bedrijf dat zich daarmee bezighoudt is het meest waardevolle beursbedrijf van Europa. See omnystudio.com/listener for privacy information.

Al wekenlang jaagt de FBI op Tesla terroristen, mensen die Tesla's in de brand steken. Maar de échte terreur vindt plaats in de financiën van het bedrijf. Het eerste kwartaal was ronduit dramatisch. Topman Elon Musk geeft daarbij toe dat hij de reden is. Deze aflevering hebben we het over de onmogelijke positie van Tesla. Het blijft afhankelijk van een topman die toch bij blijft klussen voor de Amerikaanse president. Een president die tarieven oplegt waar Tesla dan weer enorme last van heeft. We kijken of Musk een list weet te verzinnen. Hoe (en vooral waar) kan hij meer Tesla's verkopen, met betere marges? Tesla drijft nu alleen nog maar op de verkoop van emissierechten... Verder hebben we het over héél veel kwartaalcijfers van eigen bodem. AkzoNobel, Randstad, Just Eat Takeaway en Besi komen voorbij. Vooral die laatste is interessant. Het aandeel stond even 11,5 procent in de plus, maar de koers stortte daarna als een kaartenhuis in elkaar. We onderzoeken waar de angst van beleggers vandaan komt.

Al wekenlang jaagt de FBI op Tesla terroristen, mensen die Tesla's in de brand steken. Maar de échte terreur vindt plaats in de financiën van het bedrijf. Het eerste kwartaal was ronduit dramatisch. Topman Elon Musk geeft daarbij toe dat hij de reden is.Deze aflevering hebben we het over de onmogelijke positie van Tesla. Het blijft afhankelijk van een topman die toch bij blijft klussen voor de Amerikaanse president. Een president die tarieven oplegt waar Tesla dan weer enorme last van heeft.We kijken of Musk een list weet te verzinnen. Hoe (en vooral waar) kan hij meer Tesla's verkopen, met betere marges? Tesla drijft nu alleen nog maar op de verkoop van emissierechten...Verder hebben we het over héél veel kwartaalcijfers van eigen bodem. AkzoNobel, Randstad, Just Eat Takeaway en Besi komen voorbij. Vooral die laatste is interessant. Het aandeel stond even 11,5 procent in de plus, maar de koers stortte daarna als een kaartenhuis in elkaar. We onderzoeken waar de angst van beleggers vandaan komt. We vertellen je ook meer over boekhouding en personeelszaken. Saai? Nee! Het bedrijf dat zich daarmee bezighoudt is het meest waardevolle beursbedrijf van Europa. See omnystudio.com/listener for privacy information.

President Trumps afkeer tegen Jerome Powell begint steeds serieuzere - maar ook gevaarlijke - vormen aan te nemen. Bijna dagelijks scheldt hij de Fed-baas uit. Deze keer voor 'enorme loser'. Ook geeft ie Powell de bijnaam 'meneertje te laat', omdat Powell de rente niet snel genoeg zou verlagen. Het blijft niet alleen bij schelden: Trump onderzoekt of er manieren zijn om Powell daadwerkelijk te ontslaan. Deze aflevering hebben we het over de gevolgen van dat ontslag. En waarom een Kennedy het voor Powell opneemt. Even zou je de handelsoorlog vergeten, maar ook dat economische gevecht speelt nog op de achtergrond. Al is er wel een trio topmannen dat achter de schermen voor verandering kan zorgen. De baasjes van Walmart, Home Depot en Target onderhandelen namelijk met Trump. Verder hoor je meer over Novo Nordisk. Is het over en uit voor de afslank-goeroe, nu het aandeel Novo Nordisk ZELF aan de Ozempic zit? Alleen al vandaag ging de beurskoers tot 10 procent lager. Reden: concurrent Eli Lilly heeft een pil gemaakt die net zo effectief is als Ozempic.See omnystudio.com/listener for privacy information.

President Trumps afkeer tegen Jerome Powell begint steeds serieuzere - maar ook gevaarlijke - vormen aan te nemen. Bijna dagelijks scheldt hij de Fed-baas uit. Deze keer voor 'enorme loser'. Ook geeft ie Powell de bijnaam 'meneertje te laat', omdat Powell de rente niet snel genoeg zou verlagen. Het blijft niet alleen bij schelden: Trump onderzoekt of er manieren zijn om Powell daadwerkelijk te ontslaan. Deze aflevering hebben we het over de gevolgen van dat ontslag. En waarom een Kennedy het voor Powell opneemt. Even zou je de handelsoorlog vergeten, maar ook dat economische gevecht speelt nog op de achtergrond. Al is er wel een trio topmannen dat achter de schermen voor verandering kan zorgen. De baasjes van Walmart, Home Depot en Target onderhandelen namelijk met Trump. Verder hoor je meer over Novo Nordisk. Is het over en uit voor de afslank-goeroe, nu het aandeel Novo Nordisk ZELF aan de Ozempic zit? Alleen al vandaag ging de beurskoers tot 10 procent lager. Reden: concurrent Eli Lilly heeft een pil gemaakt die net zo effectief is als Ozempic.See omnystudio.com/listener for privacy information.

Victory doesn't come from pride — it comes from humility.

Jerome Powell zit in een spagaat met zijn rentebeleid. Een beleid dat overhoop wordt gegooid door Donald Trump. De baas van de Amerikaanse centrale bank geeft nu openlijk toe dat in écht in een dilemma zit. Hij is bezorgd dat hij binnenkort moet kiezen tussen het beheersen van de inflatie en het ondersteunen van de economische groei. Christine Lagarde (van de Europese Centrale Bank) heeft ook een probleem. De inflatie in Europa is al jarenlang te hoog, maar nu naderen we het punt dat 'ie te laag is. Wij van BNR Beurs zijn de beroerdste niet en kijken deze aflevering hoe die twee centrale bankiers de problemen moeten oplossen. En vooral: wat jij er als belegger van merkt. Dan hoor je ook meer over chipproducent TSMC. Het gerucht ging dat dat bedrijf Intel ging redden, door nauw met ze samen te werken. TSMC helpt Intel nu uit de droom: dat gaat niet gebeuren. Wel laten ze hun aandeelhouders dromen van goede resultaten: ze gaan ondanks de handelsoorlog gewoon hun doelen halen.Over die handelsoorlog gesproken: we hebben het ook over Georgia Meloni. Zij is Europa's geheime wapen. De premier van Italië gaat namelijk in gesprek over de tarieven-tsunami van Trump. See omnystudio.com/listener for privacy information.

Jerome Powell zit in een spagaat met zijn rentebeleid. Een beleid dat overhoop wordt gegooid door Donald Trump. De baas van de Amerikaanse centrale bank geeft nu openlijk toe dat in écht in een dilemma zit. Hij is bezorgd dat hij binnenkort moet kiezen tussen het beheersen van de inflatie en het ondersteunen van de economische groei. Christine Lagarde (van de Europese Centrale Bank) heeft ook een probleem. De inflatie in Europa is al jarenlang te hoog, maar nu naderen we het punt dat 'ie te laag is. Wij van BNR Beurs zijn de beroerdste niet en kijken deze aflevering hoe die twee centrale bankiers de problemen moeten oplossen. En vooral: wat jij er als belegger van merkt. Dan hoor je ook meer over chipproducent TSMC. Het gerucht ging dat dat bedrijf Intel ging redden, door nauw met ze samen te werken. TSMC helpt Intel nu uit de droom: dat gaat niet gebeuren. Wel laten ze hun aandeelhouders dromen van goede resultaten: ze gaan ondanks de handelsoorlog gewoon hun doelen halen.Over die handelsoorlog gesproken: we hebben het ook over Georgia Meloni. Zij is Europa's geheime wapen. De premier van Italië gaat namelijk in gesprek over de tarieven-tsunami van Trump. See omnystudio.com/listener for privacy information.

Meer weten over de mogelijkheden bij Saxo Bank? Klik dan op deze link: https://www.home.saxo/nl-nl/campaigns/invest-for-less?cmpid=disp_cm_31945878_394457563_214280992&dclid=CNe1rrqHyokDFcbsEQgdtWcPJgIn de wekelijkse podcast van DeAandeelhouder ontvangen Nico Inberg en Albert Jellema diverse experts uit de financiële wereld om te praten over de beurs, beleggen en aandelen. Deze week verwelkomen we Fernand de Boer, Co-Head Research en Senior Equity Analyst bij Degroof Petercam. Aandelen en onderwerpen die aan bod komen zijn onder andere Trump, Ahold, AB Inbev, Corbion, ASML, Sligro, DSM Firmenich en ForFarmers.Lid worden van ProBeleggen? Ga naar: https://www.probeleggen.nl/aanmelden/registreren/Meer weten over Degroof Petercam? Ga naar: https://www.degroofpetercam.com/nl-beOp de hoogte blijven van alle ontwikkelingen rondom de Dutch Tech Week? Schrijf je dan nu bij DeAandeelhouder! Ga naar: https://www.deaandeelhouder.nl/premium/Lid worden van de aandeelhouder? Ga naar: https://www.deaandeelhouder.nl/premium/Tijdslijn:0:00 - 2:15 Intro 2:15 - 3:20 Verbazing Albert - Twee Feyenoorders kruipen3:20 - 16:20 Verbazing Fernand - Arsenal/Oplopende rente VS16:20 - 19:25 Volgende move Trump19:25 - 19:44 Reclame19:44 - 28:40 Ahold Delhaize 28:40 - 30:25 Colruyt30:25 - 37:49 ForFarmers37:49 - 43:00 DSM Firmenich 43:00 - 48:00 Sligro48:00 - 50:50 AB Inbev50:50 - 57:00 Corbion57:00 - 1:02:00 Vooruitblik ASML1:02:00 OutroVolg DeAandeelhouder op andere kanalen:Website: https://www.deaandeelhouder.nl/Twitter (X):  https://twitter.com/deaandeelhouderTikTok:  https://www.tiktok.com/@deaandeelhouderInstagram:  https://www.instagram.com/deaandeelhouder/Facebook: https://www.facebook.com/DeAandeelHouder/LinkedIn: https://www.linkedin.com/company/de-aandeelhouder-nl/

Grace doesn't just empower us to live godly lives — it empowers us to live generous lives!

We dachten dat we op de laatste handelsdag konden puinruimen, maar niks van dat alles. De tarieven-tsunami slaat opnieuw toe op de beurs. Deze keer komt 'ie vanuit China, dat het kunstje goed heeft afgekeken van Donald Trump. Ook China komt met torenhoge tarieven. Een tegenreactie was verwacht en toch schrikken beleggers van de hardheid waarmee China reageert. Deze aflevering kijken we hoe die handelsoorlog zich verder ontvouwt. Hoe gaat de VS hierop reageren en wat doet de EU? De vraag is ook wat de Amerikaanse centrale bank nu moet doen. Fed-baas Jerome Powell zit klem. Wat hij ook doet, hij breekt met één van zijn beloftes. Of de inflatie stijgt nog verder of de arbeidsmarkt gaat naar de haaien.Wie wél een leuke week heeft, is good old Warren Buffett. Die wrijft in zijn handjes. Waarom het hem niet slecht genoeg kan gaan op de beurs, vertellen we je. Kleine hint: er zijn 325 miljard redenen. See omnystudio.com/listener for privacy information.

We dachten dat we op de laatste handelsdag konden puinruimen, maar niks van dat alles. De tarieven-tsunami slaat opnieuw toe op de beurs. Deze keer komt 'ie vanuit China, dat het kunstje goed heeft afgekeken van Donald Trump. Ook China komt met torenhoge tarieven. Een tegenreactie was verwacht en toch schrikken beleggers van de hardheid waarmee China reageert. Deze aflevering kijken we hoe die handelsoorlog zich verder ontvouwt. Hoe gaat de VS hierop reageren en wat doet de EU? De vraag is ook wat de Amerikaanse centrale bank nu moet doen. Fed-baas Jerome Powell zit klem. Wat hij ook doet, hij breekt met één van zijn beloftes. Of de inflatie stijgt nog verder of de arbeidsmarkt gaat naar de haaien.Wie wél een leuke week heeft, is good old Warren Buffett. Die wrijft in zijn handjes. Waarom het hem niet slecht genoeg kan gaan op de beurs, vertellen we je. Kleine hint: er zijn 325 miljard redenen. See omnystudio.com/listener for privacy information.

Want more information about Transformation Church Seminole? Head over to https://linktr.ee/TheTCSeminole to see how God is transforming lives & changing the world!

Want more information about Transformation Church Seminole? Head over to https://linktr.ee/TheTCSeminole to see how God is transforming lives & changing the world!

Op deze Valentijnsdag dwarrelen de rozenblaadjes over de beursvloer. Beleggers hebben de liefde voor het Damrak teruggevonden en de oude records worden eindelijk weer verbroken. En daarom hoor je ook welk aandeel de onvoorwaardelijke liefde verdient. En met wie het wel toegestaan is om vreemd te gaan. Daarnaast hebben we het ook over - je raadt het niet - Donald Trump! Ja hoor, daar is-ie weer. Hij hintte er al op, maar nu zijn ze er echt: nog meer importheffingen. Ieder land ter wereld dat kosten in rekening brengt voor de import van Amerikaanse producten kan hetzelfde tarief terug verwachten. En vooral wij in de EU zijn de pineut. Verder hoor je over Hermès, dat trekt zich niks aan van slechte marktomstandigheden en noteert een stijging in verkopen van bijna 20 procent. En daarom is het tijd voor cadeautjes voor de aandeelhouders, maar ook voor de medewerkers. En we vertellen je wat het nieuwste plan van het meme-aandeel GameStop is om weer relevant te worden. Tot slot blikken we terug op de beursweek. Een week met héél veel Nederlandse kwartaalcijfers. Die zorgden voor extreme uitslagen op de beurs. Zoals die van Adyen, van Heineken of van Unilever.See omnystudio.com/listener for privacy information.

"Over het sentiment in Europa ben ik voor de verandering zeer positief", zegt Robbert Manders van het Antaurus Europe Fund, op de dag dat de AEX op de allerhoogste stand ooit sloot. "De Stoxx 600 is dit jaar 8 procent gestegen, de S&P500 maar 2,5 procent in die periode. Een welkome ontwikkeling, denk ik, voor veel Europese beleggers." Koen Bender van Mercurius ziet ook dat de 'Trump trade' dit jaar nog doorwerkte in de koersen. "Terugkijkend kun je ook zeggen dat het cijferseizoen niet slecht is." Dat laatste geldt bijvoorbeeld voor Adyen, dat verraste met uitstekende cijfers. Beleggers beloonde het met een 14,4 procent hoger slot op het Damrak. In totaal is Adyen dit jaar al bijna 26 procent gestegen en is daarmee het best presterende aandeel in de AEX. Verder hebben we het natuurlijk over de handelsoorlog die Trump ontketent en bespreken we veel cijfers, onder anderen die van Unilever, Ahold, Heineken en BP. De luisteraarsvragen komen aan bod de experts geven hun tips. Robbert heeft een obligatietip, Koen tipt een ETF met de ISIN-code IE000GA3D489. Geniet van de podcast! Let op: alleen het eerste deel is vrij te beluisteren. Wil je de hele podcast (luisteraarsvragen en tips) horen, wordt dan Premium lid van BeursTalk. Dat kost slechts 9,95 per maand, 99 euro voor een heel jaar. Abonneren kan hier! VanEck ETF’s (advertorial) Deze week is ook weer het tweewekelijks gesprek met Martijn Rozemuller, ceo van VanEckETF’s, de partner van BeursTalk. In deze aflevering hebben we het over de veranderingen op ESG-gebied, naar aanleiding van een luisteraarsvraag. De VanEck Morningstar US ESG Wide Moat ETF heeft de vragensteller een mooi rendement opgeleverd, zegt hij, maar waarom blijft de ETF wat achter bij de MSCI World Index. Martijn legt haarfijn uit waar dat verschil hem in zit. Die vraag brengt ons bij de ontwikkelingen op ESG-gebied. Steeds meer bedrijven lijken zich, door het veranderende politieke klimaat, af te wenden van duurzaamheidscriteria. Martijn geeft aan wat de belangrijkste redenen daarvoor zijn en wat het voor effect heeft op de ETF's die beleggen in bedrijven die aan de ESG-criteria voldoen. Blijft dus luisteren tot het einde. Geniet van de podcast! De gepresenteerde informatie door VanEck Asset Management B.V. en de aan haar verbonden en gelieerde bedrijven (samen "VanEck") is enkel bedoeld voor informatie en advertentie doeleinden aan Nederlandse beleggers die Nederlands belastingplichtig zijn en vormt geen juridisch, fiscaal of beleggingsadvies. VanEck Asset Management B.V. is een UCITS-beheerder. Loop geen onnodig risico. Lees de Essentiële Beleggersinformatie of het Essentiële-informatiedocument. Meer informatie? https://www.vaneck.com/nl/nl/See omnystudio.com/listener for privacy information.

Het was een hele drukke beursdag. Maar liefst vier Nederlandse beursbedrijven kwamen met de kwartaalcijfers. Eentje uit die club moest aandeelhouders overtuigen. Want als de beurskoers nog meer daalt, verlaten ze de AEX. Spoiler alert: de cijfers waren niet goed en de beurskoers daalt verder. Deze aflevering zit je goed, want je hoort over het bedrijf dat al bijna 20 jaar lid is van de prestigieuze AEX-index. Je leert over oplopende kosten bij ABN Amro en over de dalende winst van Ahold in de VS. Waarom Heineken ineens overal meer bier verkoopt en waarom Randstad iets aan het dividend wil veranderen. Over veranderen gesproken. TomTom is veranderd in een kwakkelend beursbedrijf, maar de oprichters hebben de oplossing gevonden. Ze gaan (met eigen geld) aandelen opkopen! Tot slot hoor je alles over de Amerikaanse inflatie. Die stijgt onverwachts en zorgt voor lichte paniek op Wall Street. See omnystudio.com/listener for privacy information.

Ahold, Heineken en ABN Amro zijn vanochtend met hun kwartaalcijfers gekomen en wij spreken de topmannen. Op het hoofdkwartier van de NAVO in Brussel komen vandaag de defensieministers bijeen. Alle aandacht gaat uit naar 1 man: Pete Hegseth, de kersverse Amerikaanse minister van Defensie. Er staan hem heel wat kopjes koffie te wachten, want iedereen wil iets van hem. En Milieudefensie gaat in cassatie tegen de uitspraak in de klimaatzaak tegen Shell. See omnystudio.com/listener for privacy information.

In this engaging podcast episode, host Kent interviews Rudy Gatlin of the Gatlin Brothers. Rudy shares insights into his music career, favorite performance venues, and the gospel influences that shaped his journey. He discusses the evolution of the music industry, emphasizing the importance of talent and perseverance. Rudy recounts memorable encounters with icons like Johnny Cash and Roy Clark, and reflects on his disciplined upbringing and early gospel performances in Texas. The episode highlights the camaraderie within the country music community and offers valuable advice for aspiring musicians.   Automatically Transcribed With Podsqueeze Speaker 1 00:00:00  This Kent Hance, I hope you enjoyed part one of the interview with Rudy Gatlin. He's a great interview, a great American, and you're going to love. Part two. What's the worst place you ever performed? You know what I mean? Just a a dive. We were fortunate that. Speaker 2 00:00:21  We didn't work too many of those because we started had enough success. And we're making a little money on the road. And we I mean, we weren't taking a lot of money. We weren't making a lot. We were existing. We were living paying the bills, but we didn't have to work, and that wasn't our deal. I love, you know, good country, western, two step and honky tonk music, but. And Houston and lady takes the cowboy and but we we cut 28 records, 28 albums of other types of music. Great ballads write wonderful songs. Larry wrote a bunch of great songs, and we made a bunch of great records. But we thank you, Lord. Because they'd have been throwing beer bottles at us. Speaker 2 00:01:06  What Roy started doing done. Enough dying today. I've done enough dying today to get back to the honky tonk songs. We needed the chicken wire. Speaker 1 00:01:17  That. That's when, Roy Clark tells about the time that it threw some beer bottles at him and some other things, and he finally, we went. He refused to go back to that place, and they said, won't happen anymore. And they had the they had chicken wire in there so people couldn't throw things at them. You know. Speaker 2 00:01:36  When he was doing what he was doing yesterday when I was young, I remember that hit record. Speaker 1 00:01:41  That was a great song. I mean, one of the best that was rent. Speaker 2 00:01:46  They said, get back to Good God and Greyhound. You're gone. Speaker 1 00:01:50  Yeah. Thank God and Greyhound you're gone. But yesterday. Speaker 2 00:01:54  Song. Speaker 1 00:01:55  Yesterday was, written in France and, recorded French. And then somebody got Ahold of it and decided to do it in the United States. And then several people recorded it. And Roy Clark was the the most famous of the ones that did. Speaker 2 00:02:13  Great. Speaker 1 00:02:13  Songs. I know a little about music, not much, but, Speaker 2 00:02:17  And I do know that Porter and Dolly are your favorites. Speaker 1 00:02:20  Yeah. That's right, that's right. You got me up two tickets, I said at one time in class, I said I wouldn't take my dog to see Porter and remember it. Speaker 2 00:02:30  And I remember. Speaker 1 00:02:31  Y'all went out. Speaker 2 00:02:32  And bought. Speaker 1 00:02:32  It. You went out and bought tickets and some dog food and a leash and put it up on the the table where I came in. I came in to teach, and there it was. There's one of those, large classes that was in the small auditorium, and, I could look and there was 100, 150 people in there, and you were the only one that had written on your forehead. Guilty. I mean, I could just I could tell that you had been involved, but I liked it. And it was a lot of fun. A lot of fun. Speaker 2 00:03:05  Yeah. I thought I was smarter than that. Speaker 1 00:03:08  No, you had Gilti written all over you. I got it early on. What? What's the best place? You know, I asked you the worst you could, but what's the nicest place? Speaker 2 00:03:19  Dallas, Texas. Anywhere in Dallas, Texas. Speaker 1 00:03:23  Was always nice. Speaker 2 00:03:25  I'm in Dallas right now at my daughter's. We have a love affair with this city. Going back to when we sang gospel music as a gospel quartet. Right. From Odessa, we traveled to Dallas and Fort Worth and Mesquite and all over Texas. But we came to Dallas to sing in Oak Cliff, Oak Cliff, Assembly of God church. Sure. See? Noah. Whoa, man. Speaker 1 00:03:50  Hey, hey. When the religious music. When you were gospels and everything. What were some of your favorites? Because there's a lot of people listening, and they remember when we used to sing hymns instead of being bop of Jesus. Speaker 2 00:04:05  Well, our first song was I Woke Up. I wish I had my guitar. I've got my guitar in there. Speaker 2 00:04:10  I woke up this morning feeling fine. I woke up with heaven on my mind. I woke up with joy in my soul. Because I knew my Lord had control. I knew I was walking in that light. Because I'd been on my knees in the night. I pray to the Lord gave me sight. And now I'm feeling mighty fine. Yes, I'm feeling mighty. Speaker 1 00:04:34  That's good. Speaker 2 00:04:35  So first song we ever learned. In fact, I think we won that talent show. Singing that song. Speaker 1 00:04:40  That's good. But the standbys are amazing grace. And what a friend we have in Jesus. And y'all, y'all would sing all kinds of. Speaker 2 00:04:51  Well, we sang a lot of those songs, like our heroes, the Blackwood Brothers Statesmen Quartet that came through Abilene, Odessa, Lubbock. We bought the records, took them home and put them on the high five and played those. And mom got up on the piano and we just started singing. Joe knew how to, you know, God just said, y'all sing. Speaker 1 00:05:16  And you. Speaker 2 00:05:17  Know, he he gave you the ability to to understand law and all that stuff. You I, I, like I said, I can't spell be much less understand, you know, lawyer doctors. How do they understand all the, Michael Jordan can shoot a basketball? Tiger Woods and Scottie Scheffler can hit a golf ball. Speaker 1 00:05:41  A long way. Speaker 2 00:05:43  now I'm a I'm a I'm a I'm a better golfer. I'm than he is a singer, I guarantee you that. But God just gave everybody a talent because. And we developed it a little bit, you know, worked, sang in school And. Speaker 1 00:06:00  One year when, Alan White, he had that big party in Dallas headed out to Cowboys Stadium, and, y'all performed in. Your mom was there, and we we left. I was with y'all in a bus. They were taking us to to another part of the city and, had a great visit, and told your mom that you were a great student and everything. And she kind of grinned at me and said, you don't have to lie. Speaker 1 00:06:34  She she had a good sense of humor. Speaker 2 00:06:37  Yeah. I think she found out about that first semester away from home. Well, see, that was my first semester away from home. Curley Gatlin was a firm disciplinarian. Love. I love my upbringing. Mama, you know, wouldn't take anything for it. But, you know, they were firm. And I had to go to Odessa College and live at home for two years. And when I hopped in my 68 Volkswagen In 1972, headed north through Andrew. Boy, I was I was up all the way up to 65 miles an hour, probably on my way to Lubbock. I was free as the first time I'd ever been on my own. So. And like I said, I took too many hard courses, learn how to drink beer and play poker. But I made up for it and graduated and all that. Thankful for them. And they're there. You know, I try to a lot of people say you're just like your daddy. Speaker 2 00:07:29  And I say, thank you. Speaker 1 00:07:31  Sure. Speaker 2 00:07:32  Thank you very much. Mother drove us from Odessa to Dallas on Highway 80. Chancellor. Odessa. Midland. Big spring. Sweetwater. Abilene. Speaker 1 00:07:48  Eastland. Cisco. A Ranger. Ranger here in Weatherford. Speaker 2 00:07:56  Weatherford. Fort worth. Dallas. She one time we sang at Oak Cliff Assembly of God Church nine Sundays in a row, one. Speaker 1 00:08:06  Summer, and she'd take you back and forth every, every Sunday. Speaker 2 00:08:10  Before. Larry had his driver's license. And one night we stayed and did Sunday night service. The next day, I woke up in my bed in Odessa. On highway 80. Trucks, cars. You know how much. You know how much you miss cars going that way about like that. Speaker 1 00:08:34  Yeah. Speaker 2 00:08:37  And she drove us home and put it. Got us to bed. Got us up for school the next morning. Speaker 1 00:08:43  You were lucky. You you were fortunate. You had great parents, great parents. Speaker 2 00:08:49  And daddy was an oil field. He couldn't go with us. Speaker 1 00:08:51  Yeah. Speaker 2 00:08:52  Momma drove. We went to California a couple of times. New York one summer. Yeah, that. Great parents. Speaker 1 00:08:59  Well, it's a great training for you. What? What would you say to any young person that's looking to go into the music business today? Speaker 2 00:09:11  Bless their hearts. I'm. I'm so glad we came along when we did, because. But I can go pull a guy off the street and say, hey, man, we can get a guitar around you and you can start singing and make you a record and get you a website, get you a publicity agent and get you an agent and get you down here singing at so-and-so and do all this. Guess what? So can everybody else. There are just there's no gatekeeper anymore. There used to be a gatekeeper, and that was the A&R artist and repertoire person at the record company. If you couldn't sing and play your butt off, they weren't going to spend 100, $150,000 on making a record because they had to sell them if they didn't think they could sell them. Speaker 2 00:10:02  And they got money back. You weren't going to get a record deal. So there's. And the internet. Thank God. I mean, everybody's getting to live their dream and fulfill, you know, chase their dream and and everybody all chase your heart and. Yeah, we did. We did too. But if it hadn't worked out, I guarantee you I'd. I'd have gone and done something else. I'd I'd have taken that business law, by golly, diploma and walked right into First National Bank. Speaker 1 00:10:33  Well, you you could have been an accountant since you loved accounting so much. Hey, talking about performers. Who were some of the best people that you got to know and got to know well, and that recognized you the minute they saw you and and that were good people and encouraging type people. Speaker 2 00:10:51  Johnny cash. June Carter cash. Roy Clark. Speaker 1 00:10:57  what kind of guy was Roy Clark? Speaker 2 00:11:00  Great guy, great talent, great singer. Very entertaining. Entertaining, a great entertainer, good guy. John and June Cash. Speaker 2 00:11:09  Dottie West brought Larry to to Nashville. Roger Miller. Well, you name all those old guys, and we know them, and they know us. Speaker 1 00:11:18  Roger Miller was, originally from Shamrock. Or somewhere up in between, Shamrock and Eric, Oklahoma or something like that. And, you know, he he can't roller skate in the buffalo herd was one of his big ones. Speaker 2 00:11:35  But you can be happy if. Speaker 1 00:11:36  You if you if you have a mind to trailer for sale or rent, you know. He had a bunch of them. Speaker 2 00:11:43  You know what Roger said? Speaker 1 00:11:44  What? Speaker 2 00:11:46  You know, it don't make sense. That common sense don't make much sense anymore. isn't that good? Speaker 1 00:11:54  It is. Rudy, thank you so much. you've you've been great. You've done so well. And and you really inspired those students when you and you didn't talk with about 7 or 8 minutes and you told them how much the school meant to them and how much it meant to you and what you wanted to do. And I think the only thing you said, you wish that your mom and dad could see you walk across that stage, and that would have been neat, but, well, in anything. Speaker 2 00:12:22  They had the best seat in the house. Speaker 1 00:12:24  They did an ending. What the the thing that kept you from walking across the stage. I was going to ask that. Explain to the listeners what happened that caused you from not being able to walk across the stage. Speaker 2 00:12:40  Well, I had 64 hours when I went to from Odessa College. four of them didn't transfer, so 60. And I was I guess I was close to being a junior or whatever. The one of the semesters we had a couple of concerts in LA at the old Palomino Club in LA. And then we went to Vegas for a week to work in the Vegas Lounge, which was a great lounge. And Glen Campbell was in the main room. Well, I said, good Lord, I can't take that. I can't take that much time out of school. So I took two courses. One of them was Doctor Bowling Corp. Finance, and another one was another. So I just took eight hours that semester and I made a D in Corp. Finance. Speaker 1 00:13:29  That's easy. Speaker 2 00:13:30  To do. I told you the story. He wouldn't give me one point. Speaker 1 00:13:34  I had to. Speaker 2 00:13:35  Take it again. So I just passed three hours. That one semester I got behind. I was behind 12 hours. I made it up the next couple of semesters, but in the spring of 74, I was still 12 hours short. I took four, I was going to take four summer school classes. I took the first two. I'm going to take the next two. And they cancelled that real estate course and I went, oh no. And at that time, you remember, you could not take any correspondence to your last 30 hours. It had to be on campus. Right. And I said, I'm going to Nashville. I'm going to sing, I can I'm not I can't stick around here for three hours. They said they made an exception. I thank them, thank you, Texas Tech. I took the course. I went to Nashville, sent my lessons in, came back home in December, drove to Lubbock, took the test, passed it, finished all 130 hours. Speaker 2 00:14:37  Right? Speaker 1 00:14:38  Right. Speaker 2 00:14:40  And so it's December 74th, but I got them all in. That's why I didn't get to walk. And those turkeys that taught me how to drink beer and play poker, they graduated on time and walked that May. I just got through talking to them a couple of days ago. Speaker 1 00:14:57  Well, they had learned they had those first two years to learn how to do it. And you didn't have those two years you were still at home. Speaker 2 00:15:05  I was ready. I was a rookie. They were they were. Speaker 1 00:15:09  They were. Speaker 2 00:15:09  Professional veterans. Speaker 1 00:15:11  That's the reason you got to be careful on New Year's Eve, because the amateur drunks will be out and they'll run over you. You know. Speaker 2 00:15:17  They'll screw up the weave. Speaker 1 00:15:19  That's right. They'll mess up the weave. Speaker 2 00:15:21  That's that. That's why straight people don't go. That's why I don't go drive. Because when I'm driving straight, I'm going to mess up the weave. Speaker 1 00:15:28  Yeah, mess them up. Rudy, thank you very much. We've enjoyed it. Speaker 1 00:15:33  And thank you. Tell your friends to listen to the Ken Hance, best storyteller in Texas. And they'll get to hear people like Rudy Gatlin.

Welkom op de eerste werkdag van Donald Trump. Deze aflevering zetten we alles dat we weten op een rijtje voor je. Alle maatregelen die op zijn eerste werkdag in gang zijn gezet. Je hoort wat dat betekent voor de Amerikaanse economie, voor een eventuele handelsoorlog en voor de beurs. Een ding kunnen we al verklappen: hij helpt (jouw) Europese aandelen. Verder hebben we het over zijn First Buddy Elon Musk. Die laat Tesla-beleggers juichen, want het aandeel is in een jaar met meer dan 100 procent gestegen. Dat geldt niet voor de merkwaarde van Tesla, want die daalt voor het tweede jaar op rij. Wat zien consumenten dat beleggers niet zien? In Europa zien ze binnenkort voor het eerst een AI-startup naar de beurs gaan. Het is alleen nog de vraag welke beurs uitgekozen wordt. Opvallend: het bedrijf is nog geen half jaar serieus bezig. Ook staan we stil bij slecht nieuws voor Apple. Inderdaad, wéér slecht nieuws voor Apple. En je hoort waarom er binnenkort misschien geen kwartaalcijfers van beursbedrijven meer zijn. Een stel machtige Noren willen er absoluut vanaf.See omnystudio.com/listener for privacy information.

De kredietcrisis, de Dot-Com bubbel, en tal van andere crashes op de beurs. Allemaal hebben ze één ding gemeen: de Buffett-indicator. Die geeft de verhouding tussen de waarde van aandelen, en de gehele economie weer. En voorafgaand aan die crashes stond die schrikbarend hoog. Nu staat-ie zelfs nóg hoger dan voor de kredietcrisis. Volgens Buffett zou het nu tijd zijn om de uitgang te zoeken, daar wijst de Vereniging Effectenbezitters op. Of je je zorgen moet maken, en wat je het beste kan doen, dat hoor je in deze aflevering. En dan hebben we het ook over Nvidia. Dat is totaal niet blij met Biden, die in zijn laatste dagen als president nog even flink de exportrestricties op chips aanscherpt. Daardoor moeten veel klanten van Nvidia meer moeite doen om chips te mogen kopen. En je hoort over Ahold Delhaize. Dat heeft er nog maar net een overname in Roemenië op zitten, maar wappert nu alweer met de portemonnee. En niet zo'n beetje ook, want het wil 325 winkels in België overnemen.See omnystudio.com/listener for privacy information.

Beurs-ancien US Steel kreeg een miljardenbod van Japanse concurrent Nippon Steel, maar die overname mag niet doorgaan. Dat beslist president Joe Biden. Beleggers zagen een overname wel zitten, maar Biden hoopt zo de werknemers te beschermen tegen bezuinigingen door de Japanners. Of de blokkade van Biden de redding is of juist de ondergang van het beursbedrijf uit 1921, dat hoor je in deze uitzending. Daarin hebben we het ook over een andere overname, die wél slaagt. Ahold Delhaize neemt zo'n 1700 supermarkten in Roemenië over. Het is een van de grootste overnames van Ahold in jaren. En daarmee wordt Ahold in één klap marktleider. En je kent het misschien wel: een vriend komt in levende lijve met het geniale idee om samen op vakantie te gaan, en een paar minuten later word je gebombardeerd met relevante reclames. Verschillende mensen startten een rechtszaak tegen Apple, omdat zelfs gesprekken met de dokter afgeluisterd leken te worden. Apple ontkent dat je telefoon meeluistert, maar durft een rechtszaak niet aan en schikt. Verder blikken we terug op de week van de jaarwisseling. De week waarin Tesla, maar ook bierbrouwer Ab Inbev een historisch dieptepunt rapporteerden, en waarin Klaas Knot waarschuwde voor deflatie die komt overwaaien uit China.See omnystudio.com/listener for privacy information.

De Europese defensie-industrie heeft de afgelopen 2,5 jaar goed geboerd, maar er zijn redenen om ook voor de komende jaren de sector goedgezind te blijven volgens Danny Reweghs, zij het met de nodige kanttekeningen. Daarnaast bespreekt hij de recente resultaten bij Ahold en GIMV.

HOUR 1 - Greg had trouble watching Tyson fight, Wiggy says it's his WiFi Greg thinks last week was Maye's best and Mayo's worst so far Courtney slams the Houston Texans for gouging fans for Beyonce

Het is het zoveelste exportverbod dat Joe Biden uitdeelt, maar de kans zit er dik in dat dit wel zijn laatste is. TSMC mag een van hun meest geavanceerde chips gemaakt voor AI niet meer naar China sturen. Het verbod komt op een bijzonder moment, want TSMC lag een paar weken geleden nog onder de loep, omdat chips die al een exportverbod hadden tóch in Chinese producten werden gevonden. Wat dit nieuwe verbod betekent voor TSMC, en voor China, dat hoor je in deze aflevering. En daarin hoor je ook over het einde van de Trump-rally. Amerikaanse beurzen en aandelen breken record na record, maar op dat enthousiasme zit ook een houdbaarheidsdatum. We hebben het ook over de reddingsoperatie van Ebusco. De elektrische bussenbouwer probeert 36 miljoen euro op te halen met een claimemissie. Maar zelfs als het dat beoogde bedrag bij bestaande aandeelhouders weet te ontlokken, heeft het bedrijf nog steeds een financieel gat van tientallen miljoenen. En het gaat ook over de blunder van speelgoedmaker Mattel. Dat lanceerde een nieuwe serie poppen voor de film Wicked. Op de doos had ook een link naar de bijbehorende website moeten staan. Maar die link bleek naar een andere, iets minder kind-vriendelijke website te verwijzen.See omnystudio.com/listener for privacy information.

Welcome to the latest episode of the Dividend Talk podcast! This week, we dive into the third and final week of the year focused on quarterly earnings, featuring a variety of European and US companies.  Chapters: 00:00 Introduction 03:00 Market Sentiment and European Focus 06:45 Accounting Scandals: ADM's Latest Update 12:00 Impact of China's $1.4 Trillion Stimulus 18:30 LVMH and the Chinese Luxury Market 23:00 Snap-on's 15% Dividend Hike (Ticker: SNA) 28:00 Glanbia's Evolution and Growth (Ticker: GPN) 32:15 Analysis of Hershey's Recent Struggles (Ticker: HSY) 39:00 Deutsche Post Earnings Review (Ticker: DHL) 43:00 Listener Questions on Dividend Portfolios and US Retail Stocks 50:00 Closing Remarks Tickers Mentioned: ADM LVMH SNA GPN HSY DHL Don't forget to like, comment, and subscribe for more deep dives into dividend investing from a European perspective! Follow Us:

Het volgende kwartje is alweer van de Amerikaanse beleidsrente af. De Federal Reserve stemde - geheel naar verwachting - voor de renteverlaging. Maar naar de toekomst kijken, dat durft voorzitter Jerome Powell niet meer... Dat hoor je deze uitzending. En dan vertellen we je ook hoe Jerome Powell toch één zekerheid voor de toekomst geeft. Hij blijft namelijk in zijn functie als voorzitter tot 2028, of Trump dat nou wil of niet. We hebben het ook over Sony, dat zet spetterende cijfers neer. De operationele winst schiet bijna 70 procent de lucht in, naar bijna 3 miljard dollar. En dat is met name te danken aan één zangeres, die countrymuziek weer helemaal terug in de mode wist te brengen. En het is vrijdag, dus blikken we nog terug op de week van de Amerikaanse verkiezingen. Zodra Trump als winnaar uit de bus kwam propten beleggers klauwen met geld in aandelen op Wall Street. Je hoort welk aandeel die rally het meeste verdient. En we hebben het nog even over Ahold en Adyen. Ahold roeptoeterde dat de online-takken op volle toeren draaien, maar wilde vervolgens niks kwijt over Bol.com. En Adyen presenteerde vrolijk de cijfers maar sloot diezelfde beursdag af met een droevig gezicht.  See omnystudio.com/listener for privacy information.

Geen verwachtte onrust op de beurzen: Harris is het niet geworden. De overwinning van Trump is door beleggers relatief rustig ontvangen. Maar hoe nu verder? “De verkiezing van Trump zorgt voor duidelijkheid, beleggers willen richting zien. Voor de korte termijn is dit goed voor de beurzen”, zegt Wilbert Aarts van Bond Capital Partners. Vier jaar geleden was dat wel anders, met uiteindelijk de bestorming van het Capitool. Wilbert is voor de langere termijn minder optimistisch, gezien Trump geopolitieke standpunten en een mogelijke handelsoorlog.  Han Dieperink van Aureus Vermogensbeheer is optimistisch, ook voor de langere termijn: “We zagen de beste beursdag ooit op een verkiezingsdag. Lagere belastingen, deregulering en een gelijk speelveld in de handelspolitiek, dat is heel goed voor de Amerikaanse economie.”   Over Adyen zijn beide experts wel eensgezind: de cijfers waren zeker niet slecht. Aanvankelijk kelderde de koers zo'n 11 procent op de cijfers maar aan het eind van de handelsdag was het verlies nog ‘slechts' 3 procent. De pijn voor beleggers zat hem waarschijnlijk in een tegenvallend cijfer het aantal verwerkte transacties. Zowel Wilbert als Han vindt Adyen een prima aandeel.   Verder komen in de podcast de cijfers van onder andere Ahold, Air France-KLM, NXP en BMW aan de orde en bespreken we de luisteraarsvragen. Beide heren hebben een tip; Wilbert gaat voor een Nederlandse speler in de techsector, Han adviseert een ETF met de ISIN-code IE0002EI5AG0. Geniet van de podcast!   NPEX – partner van BeursTalk Na de reguliere podcast hoor je een gesprek met Rikkert Engels, ceo van Xillio. Remko heeft zijn bedrijf deels gefinancierd via de NPEX-beurs. In eerste instantie gaf het bedrijf een obligatielening uit, maar heeft inmiddels ook certificaten van aandelen uitgegeven.   Xillio is opgericht door Rikkert en zijn onderneming helpt bedrijven en overheidsinstantie met het verhuizen van bestanden naar de cloud. Rikkert legt uit waarom NPEX voor hem het ideale platform is om beleggers te benaderen en zijn bedrijf te financieren.   NPEX is dé beurs voor MKB-ondernemers, waar ze aandelen of obligaties kunnen uitgeven. En het biedt particuliere beleggers de gelegenheid om in die MKB-bedrijven te beleggen. NPEX is een partner van BeursTalk. Luister de podcast af, tot na de disclaimer!   Heb je vragen over NPEX, mail dan naar rob@beurstalk.com of naar info@npex.nl.  See omnystudio.com/listener for privacy information.

Het is geschied: Donald Trump wordt voor een tweede keer president van de Verenigde Staten. En met die tweede termijn hangen ook een hele hoop extreme beloftes boven de markt. Belastingverlaging voor Amerikaanse bedrijven, minder regels, vrij spel voor de fossiele industrie, en torenhoge importtarieven voor alles dat van buiten Amerika het land in komt.  In deze aflevering hoor je wat dat voor jouw portefeuille betekent, en hoe je er van kan profiteren. Daarnaast hebben we het ook over een oer-Hollands bedrijf, dat ook een historische dag heeft. Ahold kan cijfers boven de verwachting presenteren, en de topman komt met heugelijk nieuws voor beleggers, want ook richting de feestdagen blijft het geld binnenstromen. En daarom durft het voor 1 miljard euro aan eigen aandelen in te kopen. Verder doen we een rondje door Wall Street, en kijken we welke bedrijven direct profiteren van de verkiezingsuitslag. Even leek de grootste winnaar het mediabedrijf van Trump zelf te worden, maar daar kwam al snel verandering in. Als je wil weten hoe dat afloopt, moet je luisteren.See omnystudio.com/listener for privacy information.

Join Nick Clason and special guest, Josh Boldman, "The Best Programming Specialist" in America, on the Hybrid Ministry Podcast as they dive into "The Student Ministry Debate: In-Person vs Digital." Explore fresh youth ministry ideas and strategies for balancing hybrid ministry to effectively engage students in both student ministry settings.

This episode is available in audio format on our Let's Talk Loyalty podcast and in video format on www.Loyalty.TV.Today we're featuring a leader from a group that includes five leading omnichannel grocery brands in the United States.Ahold Delhaize USA is a division of global food retailer Ahold Delhaize and includes Food Lion, Giant Food, The GIANT Company, Hannaford and Stop & Shop, which taken together comprise the largest grocery retail group on the East Coast and the fourth largest grocery retail group in the nation,My guest is Megan Chickrell and she is the Senior Manager of Loyalty Strategy for ADUSA.Megan joins me today to share some of incredible learnings from the many years across her career leveraging loyalty across multiple retail brands.Show notes:1) Megan Chickrell2) Ahold Delhaize USA3) Ahold Delhaize4) Watch the full video For Free at www.CapillaryTechnologies.com

In der heutigen Folge von „Alles auf Aktien“ sprechen die Finanzjournalisten Anja Ettel und Holger Zschäpitz über das wilde US-Earnings-Bonanza, einen Milliardendeal bei Siemens und vier Horrorfaktoren, die Anleger das Fürchten lehren. Außerdem geht es um VW, DHL, BASF, Meta, Microsoft, Google, Snap, Booking, Coinbase, Robinhood, Starbucks, Nvidia, Moncler, Hims&Hers, Pernod Ricard, Eli Lilly, Pernod Ricard, Remy Cointreau, Diageo, Roku, Reddit, Robinhood, Airbus, Starbucks, Grenke, Hims&Hers Health, Apple, State Street, Regeneron, HypoReal Estate, Wirecard, Riot Platforms, National Bank of Greece, Eurobank Ergasias, ABB, Ahold, Energiekontor, Encavis, Social Chain, Varta, HeidelbergPharma, Novavax, Microstrategy und Intershop. Wir freuen uns an Feedback über aaa@welt.de. Ab sofort gibt es noch mehr "Alles auf Aktien" bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. Außerdem bei WELT: Im werktäglichen Podcast „Das bringt der Tag“ geben wir Ihnen im Gespräch mit WELT-Experten die wichtigsten Hintergrundinformationen zu einem politischen Top-Thema des Tages. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Yesterday, we woke to some pretty heart-wrenching news - our friend and colleague in Christian radio, Rob Dempsey, had passed away suddenly from cancer. Rob's journey profoundly impacted many, including Jeremy and me, and I just wanted to share it with you today, in case you need to hear the same thing he did.

The RISE-UP project is a transformative initiative to revolutionize rehabilitation services for underserved populations, focusing on racial and ethnic minorities. Dr. Mari Guillermo and Dr. Mark Tucker, Project Directors at San Diego State University's Interwork Institute, highlight how this project seeks to drive systemic change through state agency partnerships and tools like QA Advisor Plus. RISE-UP strives to reshape vocational rehabilitation and improve employment outcomes nationwide by fostering equity, inclusion, and access.   Listen Here   Full Transcript:   {Music} Mark: QA Advisor Plus, a tool that agencies can use to check their RSA 911 data for errors and to help facilitate or expedite analysis of their own data.   Mari: How do we close this gap? Where are people not being served, what populations specifically are not being served? And the emphasis is on systems change because we can't improve these outcomes without really looking at what needs to change within that system.   Mark: So we hope that when you see information about the survey coming out, that you take a few minutes to fill it out and can provide us with information both about what they see as needs related to serving underserved populations. But also, we're asking folks to identify any promising practices that they're aware of with respect to providing effective services to underserved populations.   Intro Voice: Manager Minute brought to you by the VRTAC for Quality Management, Conversations powered by VR, one manager at a time, one minute at a time. Here is your host Carol Pankow.   Carol: Well, welcome to the manager minute, Dr. Mari Guillermo and Dr. Mark Tucker, are co-project directors with San Diego State University Interwork Institute. And they are joining me in the studio today. So how are things going in San Diego, Mari?   Mari: Uh, well, it's warming up. It's going to be in the 90s by tomorrow, but it's also the start of the semester at San Diego State University. We're in our second week, so things are still trying to settle down, but it's been quite a good busy two weeks for sure.   Carol: Oh, good for you. Well, I was in San Diego back in June and I'm going, okay, why isn't it warm here now? It was warmer in Minnesota than it was in San Diego. It was so crazy with that kind of, I don't know, marine layer or whatever hangs out. Yeah. How about you, Mark? How are things going for you?   Mark: Going well, yeah, That marine layer in June we that's like a typical thing June Gloom we call it. And then we pay the price in September. September is usually warm for us, but we'll get back to our normal San Diego weather in October.   Carol: Nice. I do love your fair city though. It is really awesome. Well, I thought, and I'm so glad I could get you two because I've been trying to snag you. I think I've been talking to you since last December, but now is finally the sweet spot. I thought it was super timely that we talk about the project given you're at the end of year one. October is also National Disability Employment Awareness Month, and I really think the project that you guys are embarking on could have a significant impact on the employment arena for underserved populations. As a little side note, we're super happy as part of the George Washington University team to be a partner on this project. So I want to give our listeners just a little bit of background. Over a year ago, RSA competed a discretionary grant, and the grant was specifically related to section 21 of the Rehab Act, as amended by WIOA, which requires RSA to reserve 1% of the funds appropriated each year for programs under titles three, title six, and seven to provide grant, contract or cooperative agreement awards to minority entities and Indian tribes to carry out activities under the Rehab Act. Secondly, minority entities and Indian tribes to conduct research training to or a related activity to improve services provided under the act, especially services provided to individuals from minority backgrounds. Or thirdly, state or public or private non-profit agencies or organizations to provide outreach and technical assistance to minority entities and American Indian tribes to promote their participation in activities under the Rehab Act. I learned a whole bunch. I know for our listeners, you're getting a whole history lesson, but I thought this was cool. And so under this priority, the department provides funding for a cooperative agreement for a minority entity or an Indian tribe to provide training and TA to a minimum range of 5 to 15 state VR agencies over a five year period of performance, so they are equipped to serve as role models for diversity, equity, inclusion and accessibility in the workforce system by implementing policies, Practices and service delivery approaches designed to contribute to increasing competitive, integrated employment outcomes for individuals with disabilities from underserved populations. And the other cool part is that you also need to contribute via our research and really good practices that promote access, and this will be really of great benefit across the whole country. So I'm super excited. Let's dig in. So, Mari, typically our listeners like to know a little bit about our guests, your backgrounds. So can you tell a little bit about yourself and your background?   Mari: Yeah, I'm originally from Hawaii, born and raised in Honolulu, Hawaii. I moved to San Diego in the late 80s to as a graduate student in the rehabilitation program at San Diego State University. So since moving to San Diego, I haven't moved very far from San Diego State University and our rehab counseling program. I'm currently faculty in our graduate program, but I've been with the Interwork Institute since its beginning, when it was started by doctors Fred McFarlane and Doctor Ian Champion, and just worked with some incredible number of leaders in our rehabilitation field. And upon graduating from the master's program, I started working with Doctor Bobby Atkins. And for those of you who few of you who are not familiar with Doctor Atkins, she is a leader. When we look at all diversity initiatives and in fact, when we look at section 21, that was started with her groundbreaking research looking at the involvement and participation of African Americans in vocational rehabilitation. But I worked with Doctor Atkins upon graduating from the program in the capacity building projects funded by this same pool of money. And Doctor Atkins was the national director for the Rehabilitation Cultural Diversity Initiative, which then morphed over into the Rehabilitation Capacity Building Project. So I worked with her from the 90s. All the way up to like 2015 I think is when the project ended. So a lot of the work that we are doing in Rise Up really builds on the foundational work that we did with Doctor Atkins back in the 1990s. So it's an incredible honor.   Carol: I think that is very cool. You've come full circle. Oh my gosh, I love that. I had no idea. And for our listeners too, I just want to say a word about Doctor Fred McFarlane. Fred had passed away this summer. Fred has been a good friend to many, and many of our listeners have benefited from Fred's work with the NRLI and the Leadership Institute. Fred was the founding person developing that and really did such an amazing job touching so many VR professionals over his career. And his legacy definitely lives on. So I just I needed to say that because Fred is definitely missed. So, Marc, how about you? Why don't you tell us a little bit about your background.   Mark: Sure, I've got a Master of Science in rehabilitation counseling, and I'm a certified rehabilitation counselor. And in fact, you know, when I was applying to the graduate program in rehabilitation counseling, Fred interviewed me. Uh, that was a few years back. But that...   Carol: Yeah, 1 or 2.   Mark: Yeah, but he was there right at the start for me. And then kind of in the profession, I got my start in community based non-profit agencies and then from there joined the Rehabilitation Continuing Education program for region nine at Interwork and SDSU in the early 2000. And when I was there, was involved in all kinds of different technical assistance, training and research projects, while also kind of teaching in an adjunct capacity in the Rehabilitation counseling graduate program at SDSU. And then eventually the Rehabilitation Continuing Education programs transitioned into the Technical Assistance and Continuing Education centers. So I continued doing that same type of work with what were called the TACE centers, and then in 2014, joined the Rehabilitation Counseling Program faculty at SDSU full time. So that's sort of where I spend a lot of my time. But I still continue working with, you know, Interwork. The two are just so intricately joined. It's really difficult to be part of one without being part of the other. So I continue doing work at Interwork. One of the recent projects that Mari and I were both involved in a few years back was the California version of the Promise Projects. It was a 5 or 6 years of work with transition age youth who were recipients of Supplemental Security Income. Presently, I'm the coordinator of the Rehabilitation Counseling program at SDSU, and do that while maintaining connections to a variety of projects at Interwork.   Carol: Yeah, you're always wearing about 40 hats. I always think of you, Mark, as being the data guy though, too, because you love the data. I mean, everybody likes data, sort of but you love the data. I mean, you've done some really amazing things with our national data.   Mark: Thank you. I enjoy that. I appreciate being able to bring that to a lot of the projects that I'm involved in. Yeah, you're right. I think I find it fun maybe at times where other people are like, oh, we'll leave that to somebody else.   Carol: Yeah, absolutely. Oh my gosh. So why don't you guys tell us a little bit about your project? I know it's called Rise Up. Maybe you can tell our group like what's that stand for? Everybody's got their fun acronyms and what you're trying to accomplish.   Mari: The name really captures the overall vision for this project, and we have to give a shout out to Doctor Chaz Compton because after several failed acronyms, as we were writing the proposal, it was Chaz who came up with the name. And RISEUP stands for Rehabilitation Improvements in Services and Employment for Underserved Populations. And so that really captures what we're aiming to do, improving the services and in the process of improving services, improving the outcomes for underserved populations, in competitive integrated employment, in careers, in academic achievements and accomplishments now underserved populations. There's many ways we can look at that, but RSA has defined it for us and it concentrates on race and ethnicity. So it encompasses individuals who are black, Latino, indigenous, Native American persons, Asian Americans, Pacific Islanders, and other persons of color. And so that is the specific focus for this grant and the population that we hope to impact ultimately with the work that we do with the state agencies. An important component of the project is the partnerships that we aim to build with ten state agencies. And that partnership is really important because while we think about this work is okay, we'll do training and technical assistance and all these different topics and how it intersects with these different populations based on evidence based practices and promising practices. But we can only do so much with training and technical assistance. We really have to look at, okay, how does this then translate into the work that goes on in the agency and not just in the agency? How does that look at the different levels within the agency? How a director would translate the training will look different than how a counselor or a technician would translate. We hope that it complements each other, but everyone has a different role in this process. And that's the other part of the project, is that we want to really look at the whole agency and all the different levels, and being able to provide that support to them where they need it. And really looking at how do we close this gap? Where are people not being served, what populations specifically are not being served within a state or a section of the state? And the emphasis is on systems change, because we can't improve these outcomes without really looking at what needs to change within that system. And there's different components that we're going to be incorporating into the project in our partnerships with the state agencies to look at what are the strengths and weaknesses within your agencies and what are the opportunities and gaps. And while there are big challenges that we all are aware of, there's also some great things going on and we want to highlight that, and we believe we'll be able to find that also within each of the state agencies.   Carol: I like a couple of things about what you just said. Well, I like it all, but a couple things stick out to me because holistically, we've seen it as we do TA and as people put in new initiatives in place. If you really get the whole agency going in the same direction, it is the rise or fall of that project for sure, because maybe the director is all in, but the mid-level managers and the counselors are like, I don't even understand what's going on. You're asking us to do this other thing? I don't get it. It seems weird. It's extra. I don't want to. I'm not going to. And then it doesn't happen. And so you really have to get everybody in sync. So I think you're smart to look at the whole organization and how everybody interprets the information and the training and how it actually gets implemented, because it isn't the director implementing it. It's the boots on the ground folks, it's your counselor. You need your line folks engaged and involved and giving you feedback and understanding what's happening. So that I think that is brilliant. Secondly, the data I think it's been interesting and I think Mark, it's some of the work that you've done over the last couple of years that I've known you as well, that as people start to get better about looking at their data, I think folks were looking really high level, not getting into the real intricacies and seeing the maybe the disparities that are happening in employment as you start looking at different races and ethnicities and who's getting what kind of work and what those outcomes are. And then we've seen states be completely shocked, like we didn't know we have a huge problem in this area. So I think getting at the data is super important. So I know, Mark, you and I had spoken to and you talked about this special wrinkle, and we're not using wrinkle in a bad way. It was in a good way. But you have a contractor called Encorpe and they're bringing something special to the project. Tell us a little bit about that.   Mark: Sure, and this relates a bit more to the data aspects of the project that we were just talking about. So Encorpe is a partner on the project. It's an organization that's headed by a couple of individuals with considerable experience with the public VR program, and they offer a tool that's known as QA Advisor Plus. So this is a tool that agencies can use to check their RSA 911 data for errors and to kind of help facilitate or expedite analysis of their own data. So users of the tool can run custom queries on their data. They can do things like track changes from quarter to quarter in things like population served on a variety of measures that might include things like applications or eligibility plan services, competitive integrated employment outcomes. Those are the kinds of things that are of interest, particularly to us as part of the Rise Up project and built into this project is that Rise Up will pay for one year of QA advisor Plus for participating agencies if they elect to use it. So agencies aren't required to use QA Advisor Plus if they don't want to. We have other strategies for helping and assisting with data analysis if they elect not to use it, but that's there as an offer. Rise Up will cover one year of the cost of that service. And I think one of the things that we're trying to get at is that through the project is to kind of help facilitate kind of long term attention and ongoing attention to things like population served and differences in services and outcomes, and to use that for more data informed planning, in our case, particularly around underserved populations. But agencies can certainly pretty easily extend that out to other groups of interest or other aspects of the rehabilitation process. That may not be maybe the central focus of what Rise Up is doing. And one of the things I sort of want to underscore here is that the project is intentionally designed to make considerable use of data that the state agencies are already gathering and reporting to RSA anyway. So if agencies are interested maybe in participating in Rise Up, but they're like, oh, I don't want there to be like an additional heavy burden on my data folks or my direct service folks. Our intention is that things will be fairly light with respect to those kinds of demands, because we'll take advantage of existing data that's already being gathered, and then we'll either use QA Advisor Plus or some of our own staff to assist with the analyses.   Carol: That's the beauty of this project really, I love that because it isn't like you're going, okay, state, we're knocking on your door to like, come and do this thing. And then you need to add like ten positions to pay attention to this. And I think it's great because I got a chance to look at that QA Advisor Plus. I saw the Encorpe guys at, CSAVR and they were like, hey, do you want to see a little demo of this? I was like, oh my gosh, I know as being a small blind agency director, we had one data person who's doing a million things, and so we were very surfacey. We got a little bit of stuff, but it was really hard. You have one person there doing a million things, and so that tool, I liked how it kind of rose up little things. It had that cool feature and it would just flag something for you to go like, hey, what's going on in this particular area? That would have been so lovely because I know a lot of our programs are small, so you might just have a half a position or one position that's working in this area. They don't have a whole team that's got all this really developed deep skill set in there. I just think having that added resource is amazing and could really take that level of sort of your data analytics to a whole different place than what you've been able to do so far and not, you know, not disparaging anybody's current skill level at it. It's just that people don't have time because there's so many demands. So when you can add like a feature to help with analyzing that data, it really is a great gift. So who are your agencies that are currently participating in the project?   Mari: So we've had initial conversations with a number of agencies, and certainly there were a number of agencies who had written letters of commitment when we wrote the grant, and that was really important. I don't want to mention the states yet until we have agreements in place out of respect for the agencies, our goal is to have by the end of year two, our goal is to have six agreements in place and by the end of year three, another four. So that will be a total of ten. But we've already started to have that conversation and people are at different starting points, right? And trying to map out how will this make sense and be of value to your agency and mapping that out in an individualized agreement with each of the states? So maybe we'll be invited for a second visit a year down the road, and I can at least give you a few more names more specific than what I'm giving you now, Carol.   Carol: No,  that's totally fine. Absolutely. I wasn't sure if, you know, like, are you needing some people? Because sometimes our listeners are like, hey, I want to be part of that project. I want to be in.   Mari: No, absolutely. And we're more than happy to talk to agencies throughout this whole process, because really the intent is we targeted ten agencies because we want to make sure that with the resources that we have available to us, that we use that in a way to really make that impact, to really try to get to that systems change because again, change doesn't happen overnight and it doesn't happen on a zero budget, right? But the hope is the lessons that are learned from the ten agencies in this work will be relevant to the rest of the country.   Carol: That's what I've loved about all of these different discretionary grants that RSA has put out, because I've been talking to people for the last year, and there is such cool things being done and demonstrated that now they're sharing out, you know, with other people and just that wonderful plethora of ideas. It makes it super fun. And everybody gets really excited planting the seeds of a different way of looking at things and doing things. So you are at the end of year one, and I love it when I talk to all our grantees that have gotten these grants, like, what have been your challenges this year?   Mark: I would say some of the challenges that we've encountered are things that it's not like they're not doable. It's just that they're the time and process demands are, you know, things have sort of taken longer, I guess I've started to come to kind of expect it. But still, when you're anxious to kind of get going and get rolling, these things sort of surface as challenges or frustrations. And so some of them are, I think, very predictable things like fleshing out the project staff, developing and executing subcontracts. I think Mari, she's nodding her head often. It's a little bit more complicated or involved than you think it might be. We've been working on things like establishing the technical infrastructure for the project, information management, information sharing systems, and we have a website that's in development that will ultimately use to share information coming out of this project, with many more than just the ten state agencies that we work intensively with. So there will be kind of dissemination of project learning far beyond those ten. We've been comprehensively surveying the literature related to underserved populations in VR, and it's not really just a challenge. It's just kind of a time consuming thing that we're kind of working our way through. We are going to be implementing a national survey of state VR staff around both challenges and opportunities related to serving underserved populations and the instrument development process is always a little time consuming, and you get a lot of feedback and you make revisions and there's several feedback and revision stages. So that's something that will be surfacing in the near future. That's just it's taken time, but we'll get there. Or going through things like the human subjects institutional review process, just to make sure that everybody's, you know, treated well and treated ethically. So those are all, you know, just things that have moved along or are moving along and we're squaring them away. But for those of us who are like, would like to just get going, all of that process stuff at the beginning is a little bit of a challenge. One thing that I think the team is wrestling with a little bit, and this is something that I think were a challenge that we will contend with going forward, and I've got confidence that we'll be able to address it, but it's just going to require some thought is that, you know, as Mari indicated earlier, the underserved populations of interest are defined by race and ethnicity. And we know already from looking at our data over a long period of time that our clients, like everybody else, often are multiracial, and they check a whole bunch of boxes So we're not going to necessarily be able to look at clients who are folks don't fall neatly into very convenient categories, right. So I think we're going to have to be very sensitive to that dynamic in the process and probably develop multiple ways of looking at race and ethnicity, so that we don't kind of miss any really important lessons that are coming out of this project.   Carol: Absolutely. And regarding that national survey, is there something our listeners can do to be of help in that or something they should be looking out for?   Mark: We're still in the process of piloting it like we want to get it right before it goes out, but we will be working with one of our project partners, which is CSAVR, to disseminate this national survey. It'll be an electronic survey, and it's really designed to go to VR staff at all levels. Like we talked about earlier, involvement of folks, feedback from folks at all levels in VR system really important. So VR staff at all levels, folks like SRC members will be disseminating it through CSAVR. And we would encourage everybody to, you know, I know we survey ourselves all the time in society here in the US. But this one is important. And to me and I think to the overall intent of the project. And so we hope that when you see information about the survey coming out, that you take a few minutes to fill it out and complete it. It will be anonymous. It won't be linked back to you. So we hope people will respond candidly and provide us with information both about what they see as needs related to serving underserved populations. But also, we're asking folks to identify any promising practices that they're aware of with respect to providing effective services to underserved populations. I think both of those types of information can be really helpful to us in terms of planning out the future of this project, designing effective training, effective technical assistance efforts. So we see it as one way of kind of triangulating that information. We will look to triangulate it with other forms of information, but really critical to kind of building some of the key infrastructure to the project.   Carol: Good.   Mark: Yeah.   Carol: And we definitely can be a help to in passing out the word when the survey comes out. I know Chaz, he'll be like, Carol, can you get that out in our email groups too? We have lots of different ways. We communicate out. We have different COPs. We've got lots of mailing lists and such, so we can help kind of promote the word to get at the different groups of folks. So you get kind of a wide range of participation. So I know, Mark, you've alluded to a few things that really you've learned so far this year. One, because always year one's a learning year because people don't fall neatly in boxes. Are there any other kind of learnings you've had from year one so far, or Mari, too. either of you?   Mark: Yeah, I'm going to defer to Mari on this one.   Mari: We've learned a lot. And when you say, what have you learned so far? It's almost what has been confirmed. The whole reason why this funding opportunity is available because there's a gap there, right? And so what the conversations that we've had with agencies is just confirmed that there's a lot of work that we need to do and that we need to do better. But every agency is at a different starting point. Who they consider underserved will vary from state to state, or even from city to city within the same state. Right And where those gaps and inequities occur will also vary. For some states, it's just getting the outreach to communities to that door exists in their area, to certain populations dropping out before they even reach the point of developing an EIP, and other agencies are seeing where the EIP is developed. Things start to roll out and then for different reasons that we want to dig into, we lose people, you know, in certain populations compared to the overall populations being served. And so one of the things we are learning is that we really need to direct the training and technical assistance to where each agency wants to start, but also helping them and working together using that data that Marc talked about to confirm or not confirm whether these actual inequities at different points in the process are occurring. And then of course, the environment and the climate that agencies operate under impacts what they're tackling, something that we've heard repeatedly. And I'm sure, Carol, you've heard often, is the staffing challenges that our state agencies are experiencing upwards to 40% of unfilled positions, and that will certainly impact the work and the progress and the impact when we start to work with the agencies. Some agencies are further along in the process where they've really looked at the data from their comprehensive statewide needs assessment and saw a hole there and actually started to develop a goal to address that. And so they've already have that beginning understanding and now are at the stage of, okay, what do we do with this information? What kind of training and technical assistance can we provide our staff, and how can you help with this. And getting us to move the needle, at least move the needle forward, right? And I know we're going to get a lot of new information or confirming knowledge from the national survey, but also using that national survey to start the conversation with each of the individual agencies. You know, how does this national data look for you? Is it true or how different it is? And so I think we've learned a lot, and there's a lot more that we're going to unravel in this process.   Carol: I love it. The CSNAs, you know, I think states for a long time did it as a check the box. We have to do the thing. We're going to contract to somebody to do the thing. Here's the thing. It's 300 pages. All right. We put it on the shelf. It's in the electronic folder. But I have noticed this over the years we've been doing the QM work. People are really taking the CSNA and actually paying attention to it and starting to put all the dots together, linking that as the basis for then what flows into the state plan flows into goals and priorities and really connecting and spending more time. The thing I've been very hopeful of is spending time with direct staff so that they understand the whole process, because staff will hear about this stuff, but they don't really understand it or what is that about? And now people are linking like, here's why we're doing all of this. We're actually finding out what's the situation in our state, and we're taking this and we're putting together goals and priorities within our state plan based on this data, this information. So it all links together, because I think people feel like everybody's just doing these random activities, but they actually all come together.   Mari: Yeah.   Carol: So that I have seen as a change, definitely in the five plus years I've been doing TA work now, I've seen a big swing and I've loved it, because now people are digging down in the organization and including not just your executive leadership and middle managers. They're including the line staff and having them have an understanding of what's going on so that they can understand their contributions to this overall big picture. So I love that.   Mari: Yeah, and we learned that from the Cal Promise Project We had this whole large, comprehensive database and our team were able to put together, I guess, reports of here's what the data is looking like, here's how your region is being impacted, and the transition specialists, the people who are meeting with the families and with the students, like we've never seen this before. We're always feeding data to our supervisor. Our boss is always asking for data, and so we give it to them. But we never know what happens to it. And now it makes sense. This is how my work is impacting people.   Carol: Absolutely. It's mind blowing to the staff because when you go out, you're talking and you're like, okay. They're like, well, why is Congress doing all this crazy stuff with our money or whatever is going on? I always tell them, I go, the only way your story can be told because they don't know all your anecdotal, really neat. You got Joe, a job like this is awesome and it's a great career and you know, all this great things are happening. They don't know any of that. They only know by the data you put in the system. And when you put data in the system, that isn't very good. That's the picture, the story that your agency is telling. This is the only way for other people to make decisions. You just see this. Aha. Like people are like, oh well this stuff actually does matter. And it is being used for something and then they can figure it out. And I love it when you get down in regional levels because then they go like and they'll know what's going on. Sometimes up here the management's like, oh they're trying to figure out what's happening in that region. Talk to the staff. They see boots on the ground, what's going on. So the data confirms what's been happening in that area. And then the whole agency having that conversation, it's really exciting and super empowering and energizing. I feel like for their customers and what's going to happen for their people, I love that. The other thing I was going to say, Mari too, is we've been seeing a slight improvement in staffing levels. Now it seems like things for some reason, because we work with a load of states and we talk a lot about this particular issue, the staffing levels, it's been leveling off with that whole people leaving, leaving, leaving, leaving, leaving. And now I've had a couple agencies in the last year where they were sitting at 25, 30% now. They're at 5% and 8% turnover. Like there have been significant changes because of all of the things they put into play to not only get staff, but to keep them, to retain them. So we've been trying to do some efforts on our end and we can't say it's all us, you know, but people have been putting a lot of strategy into this, and it's really fun to see on this other side, this more encouraging landscape for the staff out there.   Mari: Wow, that's great to hear.   Carol: Yeah. So I'm hopeful for you guys as you're carrying this out. So now what are your plans for year two as you go into year two? What are you guys hoping to accomplish this year?   Mark: I think it'll be a busy year for us. I think one of the major efforts, you know, we've already kind of alluded to a little bit, which is get the national survey out there to get that information back, have our team kind of start analyzing the results. We'll use that data. As I said before, we'll triangulate that with other information sources that we have our team working on. You mentioned comprehensive statewide needs assessments and state plans. Our team is doing an analysis of that specifically through the lens of underserved populations to see what can be gleaned from those statewide reports. And they're triangulating that also with kind of other forms of published literature around underserved populations. So there's a lot of kind of building that kind of database of information will be focused on executing agreements with the first of the agencies that are going to be involved with kind of the intensive phases of Rise Up, while at the same time kind of establishing the groundwork for agencies that we will add to the Rise Up group, you know, to as we work towards our goal of getting to up to ten state agencies. And then I think as we work with each of the agencies, kind of to begin to identify the populations that they want to focus on for, you know, kind of sustained efforts to enhance getting folks in the door, getting them into plan, getting them services. The outcomes will also begin to kind of roll out. You know, one aspect of Rise Up will be training. Some of it will be technical assistance. That will be kind of systems change focused efforts. We'll begin to roll out initial training. Some of those will focus on topics like cultural humility And then we'll be using the literature search, the national survey, consultation with the agencies that we're working with to lend direction to the development of additional trainings that will be kind of targeted towards all levels of the organization. And then within the agencies that we begin to work with, we'll also begin kind of identifying the targeted and specific areas of need for technical assistance that will be unique to each of the agencies. So I see those as kind of the major tasks that will be kind of getting into in the beginning of year two and then kind of sustaining through the next year.   Carol: That is super exciting. I'm really excited about this. I would love to talk to you guys too, again at the end of like next year to see where things are at. Now, I understand you to, I believe, or somebody coming to CSAVR and people may want to chat with you. Is there a way folks could reach out to you if they are interested in talking to you about the project?   Mark: Sure.   Mari: Yeah   Mark: Yeah, so we will be at CSVAR, our project coordinator, Letty Vavasour will be there. Mari will be there. I will be there. So we're certainly kind of approachable there. As we mentioned before, CSAVR is a project partner of ours, and we mentioned encore. I think they're going to be there as well at CSAVR. And one other partner we haven't mentioned, but we should give them some credit, is a major partner with us is the George Washington Center for Rehabilitation Counseling, Research and Education. They're also a project partner with us and will be instrumental in kind of our efforts. So CSAVR is one place where folks can connect with us. Our team is working on a website, so we should have that up kind of in the near future. That's another way to get a hold of us. Email is always a good way to get a hold of us. I'm easy to get a hold of by email at MTucker at SDSU.edu and Mari is MGuillermo@SDSU.edu. So those are kind of really easy ways to get Ahold of us. And then of course Interwork Institute and the VRTAC-QM, we're sort of housed right there and involved in a number of those projects going on there so folks can track us down through Interwork or the QM.   Carol: Excellent. And, Mari, would you mind, Mari, would you spell out your email address? Just in case, because like me, it's like, how is that spelled?   Mari: And for those of you who know Spanish, my last name is Guillermo, which is William in Spanish, but it's m g as in George. U I L L E R M as in Mari o at SDSU.edu.   Carol: Excellent. Thank you. I really appreciate you taking the time. I'm super excited. And I wish our listeners could see like, the excitement on both of your faces about this project because it makes me like, super happy. I mean, the project couldn't be in better hands. You guys always do really good work out of Interwork, and I'm really excited to see what comes. So let's definitely chat again down the road.   Mark: That would be great.   Carol: Thanks for joining me.   Mari: Absolutely. Thank you Carol.   {Music}   Outro Voice: Conversations powered by VR, one manager at a time, one minute at a time, brought to you by the VR TAC for Quality Management. Catch all of our podcast episodes by subscribing on Apple Podcasts, Google Podcasts or wherever you listen to podcasts. Thanks for listening!

Understanding people is key to developing strong middle management leaders, an area often overshadowed by executive leadership. In today's episode, we're joined by Jeffrey Sigel, who has built a remarkable career on this very principle.   With extensive experience in strategy and marketing, Jeff has held prominent roles at Cracker Barrel, Ahold, the Hershey Company, and Kraft Nabisco. Currently, he is the principal consultant for Proprioceptive, a consultancy focused on turning strategy into action by developing middle management excellence. He is also the author of the new book, The Middle Matters: A Toolkit for Middle Managers.  Tune in to hear Jeff's insights on how to empower middle managers, his journey through various high-impact roles, and how senior leaders can better support middle management to unlock their teams' full potential.   Don't miss this opportunity to learn from an accomplished leader who has mastered the art of understanding people and turning strategy into action!What you'll learn about in this episode:The fascinating story behind the name of Jeff's consultancy, Proprioceptive.His career background and how he became interested in middle management.What inspired him to write The Middle Matters: A Toolkit for Middle-Managers.Jeff's framework outlining the three roles of middle managers: doer, leader, and influencer.Common challenges faced by middle managers today (and how to address them).Adopting the perspective of your co-workers to help you problem-solve.How senior leadership can support middle management and get the most out of their teams.The power of encouraging independent thinking and decision-making.Advice to new middle managers on shifting from an achiever mindset to a learner mindset.How feedback can be used for personal and professional growth.Guidance for navigating fear and providing actionable information to leadership.Transcript: HereAdditional Resources:Website: jeffsigel.com Consultancy: proprioceptive.ioLinkedIn: linkedin.com/in/jeff-sigel/Book: jeffsigel.com/bookNewsletter: linkedin.com/newsletters/middle-management-matters-7177833178873647104Email: jeff.sigel@proprioceptive.ioLinks Mentioned:Multipliers: How the Best Leaders Make Everyone SmarterSharon Spano:Website: sharonspano.comFacebook: facebook.com/SharonSpanoPHDInstagram: instagram.com/drsharonspano/LinkedIn: linkedin.com/in/sharonspano/Book: thetimemoneybook.comContact: sharon@sharonspano.comX: x.com/SharonSpanoThe Other Side of Potential Podcast: sharonspano.com/podcast/

Join our live, virtual event for Memphis BRRRR properties on June 25th. Free. Sign up now at: GREwebinars.com The homeownership rate has fallen due to low affordability. This means that there are more renters. There are still just one-half as many housing units as America needs. But it had been one-quarter. New duplexes, triplexes, and fourplexes are vanishing. I describe six reasons why. Two entire US counties now have a median home price of $2M+. Learn where they are. It's better to be an investor than a landlord or flipper. GRE Investment Coach, Naresh, and I discuss how to use a lower down payment to achieve a potential 20% cash-on-cash return with the BRRRR Strategy. Join our live, virtual event for this at: GREwebinars.com. Resources mentioned: Join our live, virtual event for Memphis BRRRR properties on June 25th. Free. Sign up now at: GREwebinars.com For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Keith Weinhold (00:00:01) - Welcome to GRE. I'm your host, Keith Weinhold. Hold properties are vanishing, and sadly, they represent some really good property types that are hardly being built anymore. American housing is changing for good. Two entire U.S. counties now have median home values of $2 million or more. You'll learn where those are and learn about a specific real estate investing strategy, where investors are getting especially high yield returns in today's low affordability market. All today on get rich education.   Robert Syslo (00:00:37) - 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 listeners downloads and 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.   Robert Syslo (00:01:09) - 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 (00:01:23) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold (00:01:39) - What we heard in 188 nations worldwide. I'm your host, Keith Weinhold, and you're listening to get Rich education. Last week, I covered a lot of bad news here as you and I uncovered some real estate problems. Of course, overall, when you're invested in real estate and obtain productive working income for yourself through tenants in their employment, you can almost always play another side of the coin and be profitable because, well, it really comes right back to the fact that real estate pays five ways simultaneously, for example, souring housing affordability. Well, that's bad for homeowners. That's bad news for people that are primarily want to be homeowners and not you. You're an investor. In fact, here's exactly what that means when you're the investor, the homeownership rate has fallen in in the past year.   Keith Weinhold (00:02:38) - It's gone from 66% down to 65.6% due to that low affordability. Okay. Well, that's just a 4/10 of a percent drop in the homeownership rate. And it is poised to fall further. Or what does that 4/10 really mean. Well, that's the proportion of Americans that don't own their homes. So then they have to rent. And this means that there are hundreds of thousands more American renters today than there were just a year ago. And that pushes up rental demand, rental occupancy and the price of rent itself. And that's what you get to capture off from a low affordability problem, which outsiders only think of as bad real estate news, because it is bad news through the lens of that one of your first time homebuyer. Now I want to tell you about the property types that are disappearing. Just vanishing today, and it's the degree to which it's happening that you probably aren't aware of. I'll also tell you why it's personally concerning to me, why this is all going on at all, and I don't even see any reason that it's going to turn around.   Keith Weinhold (00:03:52) - It's probably going to get worse. What's going on is basically that too many builders have thrown their duplex, triplex, and fourplex development plans out the car window like it's an Apple Corps on a summer road trip. They are vanishing. Yes, 2 to 4 unit properties vanishing. In fact, if you're a newsletter subscriber here, you got to see a jarring chart that shows this. And what you'll basically see is that in 2007, the number of 2 to 4 unit properties built just fell off a cliff. It flatlined, and it still hasn't gotten up. The amount constructed now is still just one half to one third of what it had been in pre global financial crisis years. Really they're only closer to a third. All right. So what we're talking about here is only about one third as many duplex triplex and fourplex starts today as there were 20 years ago. And this is sourced by the National Association of Homebuilders. And some call this entire phenomenon M triple M multi families missing middle. And whatever you call this disappearing act.   Keith Weinhold (00:05:10) - Before I get to the reasons for why this is happening, I've got to tell you that this disappearance, it hurts me a little. It's sort of heartfelt because as you know, I began this way with a fourplex that was my first ever property of any kind. You know, the story where I lived in one unit and rented out the other three. It was just an amazing way to start with a bang. Well, now, when we compare this paltry construction, this dearth of. construction today, when we compare that to both smaller property types and larger property types, that being single family homes and five plus unit apartment buildings, will construction of all three of these types fell hard around 2008. But here's the thing. Single family homes and five plus apartment buildings. They got back up around 2010 and they started resuming more building. But duplexes and fourplex, they never did. They never had that happen. The number coming out of the market that just kept flatlining. Those new starts. All right.   Keith Weinhold (00:06:16) - So why exactly is this going on with these vanishing 2 or 3 and four unit property construction types? Why this trend? Well, first, it's NIMBYism, not in my backyard ism primarily of those single family homeowners, because once people are comfy in owning their single family home. Well, then they don't want higher density duplexes in fourplex built in their area. They fear that it can lower their property values. It'll almost certainly increase the traffic around that area. And the second reason is that there simply just been less building overall of most all housing types. And I have discussed this elsewhere, so I won't get into it again. Yes, it is that erstwhile housing supply crash. A third reason for these vanishing 2 to 4 unit properties is the need for zoning reform and the adoption of what's called light touch density. Light touch density. That means a zoning strategy for more dense housing. And what are we up to now for? The fourth reason is that builders, they find more scale efficiencies when they build larger apartments.   Keith Weinhold (00:07:25) - Fifth is limits in international building codes, in international residential codes. And the sixth reason is that this trend began around 2008. These more recent work from home lifestyle starting in 2020. That means that residents can live in single family homes, and they tend to be further from the urban core, rather than 2 to 4 unit properties. And this lifestyle trend right here, that can mean that this disappearing trend for this property type continues. And there you go. They are the six reasons for why. If you were 2 to 4 unit properties are being built today, drastically fewer. And I lament this fact because see duplex the four plex neighborhoods, they can have good walkability where you don't always need a car to get everywhere. And yet at the same time, they still have ample green space. Now, conversely, some fourplex neighborhoods, you know, they can get to look and really junky. Well, they all have different owners. And then there are dumpsters all over the place, like my first fourplex was, and like my second fourplex was as well.   Keith Weinhold (00:08:33) - I really hope that builders become more attracted to the 2 to 4 unit space. See, with giant large apartment complexes, say 300 units. Well, the builder has to wait until the construction of all of those 300 units are done until they can start filling it with rent paying tenants. So therefore builders have to wait longer to start getting that rent income. But instead, construction of this missing middle housing that can be broken into phases. And that way units can be open when they're completed. And that provides early rent revenue to the builder and 2 to 4 unit properties. I mean, they really are an investor sweet spot, but due to builder and lifestyle trends like I'm describing, fewer are being built new. But please remember there were many missing middle properties built decades ago and they can still make good investment properties into the future. In fact, the first two fourplex that I bought were both built in the mid 80s, so there's still plenty that are already out there. The takeaway here for you is that you're going to be seeing fewer new ones, and that means that duplexes to fourplex is now take up a smaller proportion of America's housing stock, and that portion is positioned to become smaller and smaller going forward.   Keith Weinhold (00:09:56) - So it's not that death of these properties. We even have home builders at Gray Marketplace right now with new build 2 to 4 plex. So it isn't their death, but they are dying, waning in number. Now, Jerry recently got Ahold of some jaw dropping info here. I my gosh, now remember a few years ago, maybe even ten or more years ago when you probably heard something like certain small towns in California, Silicon Valley. They now had median priced homes that hit the million dollar mark. And you know, when you first heard that, you might have thought, oh, wow, it's not just neighborhoods, but entire towns in aggregate have hit the million dollar mark in some high priced American places. Well, then get ready for this. As housing affordability makes headlines in California in its wealthiest cities, continue to fight building more housing. We have two Bay area counties, not towns, but entire counties that have hit a milestone. The median price for sold homes there has climbed to $2 million or more.   Keith Weinhold (00:11:15) - We're not just talking 1 million anymore, and we're not just talking about one upper crust town, but two entire California counties now have median home prices of $2 million or more. And notice these are not asking prices. No speculation here. These are the values, the amounts that they have actually sold for. And this is according to a recent California Association of Realtors report. Median homes are now $2 million plus in which two Bay area counties, you might wonder? Well, first, Santa Clara County, which includes San Jose, they notched an even $2 million back in April. And yes, this is more than San Francisco County's $1.8 million. And the second county, it spirals even higher than that. The second California county, with median home prices of 2 million plus is San Mateo County. It's basically a county that lies between San Francisco and San Jose. And that's where the median home price sold for in San Mateo County, California, $2.17 million. Not just one upper crust town, but an entire county.   Keith Weinhold (00:12:38) - Not just $1 million, not even $2 million anymore, but $2.17 million. And this is not for a fancy, lavish home. This is just the median priced home in the middle and San Mateo County that is home to the nation's most expensive zip code, by the way. Atherton, California, where the median home price tops the charts nationally at $7.1 million. That's that is according to Compass Real Estate. And if that's not enough, homes are still flying off the shelves there. They're days on market is now at the lowest since 2022. And though all this sounds pretty astonishing right now, you know what? If you are listening to this episode ten years from now, well into the 2030s, you might think these were the good old days here. How quaint. Because over the next ten years, we all expect more inflation, and we've still got more housing shortage years between now and say, ten years into the future. And of course, here at URI, we don't tend to focus on the high priced markets, which tend to be on the coasts, things like this.   Keith Weinhold (00:13:55) - Really, it's just a harbinger of what's to come to more parts of the nation later on. What we do here is we help you win in real estate without being a landlord and without being a flipper. As a savvy investor that tends to buy either new or fixed up properties and might have a manager manage them for you, hands off is the place to be. Hands off is being an investor, and you get the best tax advantages this way to when your hands off and you know something. Some people that get into real estate investing, they think that they have to be a flipper, or that they have to be a landlord in order to make it profitable. Now, there's nothing wrong with those two disciplines. So much flipping or landlord. I was a landlord for a little while on my own properties. Most of my investment career. I use a property manager and I never flipped. It's just that these things flipping and landlord, they're not any sort of prerequisite to you being a successful investor. You can shortcut all of that with turnkey real estate investing or like with a different strategy that we're going to talk about later today.   Keith Weinhold (00:15:04) - What most people really want is the financial freedom that real estate investing brings. But in order to get there, it's often not the route that you think it is. It's typically not flipping or landlords. And, you know, really it's this way with a lot of things. For example, say that you want to own in ice cream business. Well, most people think that they have to start their own ice cream business from scratch. And like you need to find a space and you need to buy all the equipment and develop systems and go through the excruciating process of hiring all of your staff. No, a lot of times you can shortcut all of that by not starting your own ice cream business, but instead studying, vetting, and buying an existing ice cream business without having to start your own from scratch. Be strategic, study a little, shortcut the process and get in where it's profitable. You want the benefit of owning real estate without having to use a nail gun yourself, or being a manager where you're 25 tenants can text you.   Keith Weinhold (00:16:17) - What kind of life are you building for yourself? Then you want the benefit of owning an ice cream business. The way to get to the end goal. The path there is often different than you think. And here's another example that I can relate to, but I think that you will too. Do you have a favorite real estate? Influencer out there and they think about starting a podcast. Well, I personally know three real estate podcasters out there that have all quit. They produce some episodes and all three quit doing their podcast. And these are just among people I know and just real estate thought leaders. Just that space and all. Recent hosting your own podcast platform is a ton of work from. You need to have a huge bank of your own original content, to having the ability to book big name guests and then making sure they're prepared to. Making sure you have the right marketing team so that a podcast actually reaches the right people. It is work, work, work, and seemingly no one in this world knows that better than me.   Keith Weinhold (00:17:21) - With 500 plus episodes reliably released every single week since 2014, and we don't replay old shows either, there is nothing passive about this. There are so many shows today that if your favorite real estate influencer starts one, they're going to be competing with a lot that are already out there. I mean, anymore, even celebrities that start podcasts, they usually don't get any substantial reach or traction. All these people that start and quit their podcasts, they were too slow to realize that actually they didn't want to host a podcast. What they really wanted is for their voice to be heard. Well, the way to shortcut that, like with turnkey real estate investing or with buying an existing ice cream business, is that that influencer should have developed a strategy for being a guest on other shows that are already popular and established, probably by hiring an experienced and connected booking agent. That way, you've outsourced all of that marketing and research activity to another show that already did that for you. So the point is, be clear on getting what you want.   Keith Weinhold (00:18:34) - What is the goal that you want first, it's probably a large real estate portfolio built for leverage and income, and then work your way back to try to find the most efficient route to get there. And there are often shorter paths to get there than what you first thought. Now, when we talk about where are the best real estate deals today, you have to look harder than you did, say, 8 to 10 years ago. Coming up shortly, you'll have the pleasure of hearing an in-house chat with I in one of Gre's own investment coaches. We're going to talk about a strategy that specific and proven but underutilized in order to recapture those higher cash on cash returns like you could have gotten back in, say, 2015 and 2016. And for a time, I had been talking about how Newbuild properties and their builder interest rate buy downs, that they're really the place to be. And that's still true, but not to the extent that it was just a year ago, because today some builders, they're not paying down your interest rate for you as much as they did last year.   Keith Weinhold (00:19:39) - They're asking you to pay more toward it. Now. A few minutes ago, I told you about America's vanishing duplexes to fourplex. And if you're one of our newsletter readers, you got to see a jarring chart or two that demonstrates exactly what I was talking about there. And also in our newsletter, I show you great maps, real estate maps that beautifully demonstrate housing market trends and where the opportunities are for you. Also, in a recent letter, I showed you exactly where I'm getting 8% interest paid to me and what's basically a savings account. If you don't already subscribe, it is free. Our email letter is called the Don't Quit Your Day Dream letter. It's concise, valuable info that's just good, clean content that I put directly into your hands. It is easier to use than a website. Today's websites have paywalls and cookies, disclaimers or pop up ads. This is just the good stuff directly from me, straight to you. And you can get the letter now at get Rich education com slash letter that's get rich education com slash letter.   Keith Weinhold (00:20:50) - In a world of AI and bots, I actually write every word of the don't quit your daydream letter myself, just like I have from day one. And another easy way to start the free letter is text gray to 66866. Just do it right now while it's on your mind. Text gray to 6686616. I'm Keith Reinhold. You're listening to get Rich education. Your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4%, you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk. Your cash generates up to an 8% return with compound interest year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25 K. You keep getting paid until you decide you want your money back there. Decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor, to earn 8%.   Keith Weinhold (00:22:02) - Hundreds of others are text family 266866. Learn more about Freedom Family Investments Liquidity Fund on your journey to financial freedom through passive income. Text family to 66866. Role under the specific expert with income property, you need Ridge lending group and MLS for 2056 injury history from beginners to veterans. They provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your prequalification and chat with President Charlie Ridge. Personally, they'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com. This is peak prosperity.   Robert Syslo (00:23:00) - Chris Martinson, listen to get Rich education with Keith Arnold and don't quit your daydream.   Keith Weinhold (00:23:15) - Hey, would like to welcome in Gray's extraordinary investment coach. He's booksmart because he's got his MBA. He street smart because he's an active direct real estate investor, just like I am. Before joining gray back in 2021, he worked for financial publishing companies and in the banking sector, too and elsewhere. And today is an investment coach here.   Keith Weinhold (00:23:36) - He helps beginning real estate investors understand the process of acquiring rental property, and he helps veteran investors optimize their strategies to save on taxes and more. Hey, it's terrific to welcome back Naresh Vizard. Thanks a lot Keith. It's been a while, but I'm looking forward to talking real estate before we're done. Today, we're going to tell you about an upcoming live GRE virtual event, where you learn how to get 20 to 25% of immediate built in equity through real estate. And before we do the race, let's talk about what's really going on. Besides giving GRE devotees free education and guidance like you do, you also help them find the best deals on income properties nationwide and for a time, brand new build to rent properties they look good in. Many still do with a lot of rate buy downs into the fives and even the fours on those new build properties. But this year, I learned that builders aren't contributing to buying down the race for the investor like they had last year, and that the onus seems to be more on the investor to buy the rate down with some of these builders.   Keith Weinhold (00:24:44) - So tell us more about what's happening in America's build to rent sector. Well, Keith, build to rent. For those who don't know, it's been around here at GRA. Bill to rent asset classes, build to rent real estate. But it's the concept of builders building real estate properties with the intention of selling them to investors so they can rent it out. So right now I live in a house that was built, and I bought it because the builder intended for somebody to buy it and live in it. That's not built to rent. Build to rent is the idea of.   Naresh Vissa (00:25:16) - Specifically selling it to investors like our listeners, like our loyal followers who live out of state and who want to rent the properties out to tenants. Now, Build to Rent was very hot and it's still popular. I don't want to call it hot, but it's still popular for those who want new construction properties. However, the rehabs are making a furious comeback because there was about a four year period from 2019 to 23 or so where you just couldn't find good cash flowing rehabs.   Naresh Vissa (00:25:50) - Right. And when I say rehabs, I mean these older properties that were built 50 years ago, maybe as long as 120 years ago there we have some properties in our inventory that were built in the late 1800s, and they've just kept being rehabbed and rehabbed and renovated. Buildings are making a furious comeback because they're cash flowing better. Previously, they were just cash flowing marginally better than new construction built to rent properties. Now, especially with a strategy called ver, which we'll talk about some more, you can have the opportunity to get cash on cash returns back to what you remember in 2016, 2015 where we're talking 15, 16% cash on cash returns. I mean, some of our BR clients or listeners who ended up buying BRS, they're doing 2021 all the way up to 30% cash on cash returns. So BR simply means buy, rehab, rent, refinance, repeat the cycle. So that's B followed by for Rs b r r r r buy, rehab, rent, refinance. Repeat the process again.   Naresh Vissa (00:27:10) - And it's during that refinance where investors are getting a good chunk of their down payment back. Because what happens in that refinance is after you rehab it and you read it, you rent it out at the target rent, which almost all of these are renting out at very aggressive high target rents. When you refinance it, the property appraises at a value that's much, much greater post rehab than when you initially bought it. And that's where you get essentially your money back. You can choose to keep it in with the mortgage company so you have more equity in the property, or you can take the cash back and use it to buy more BR properties. It's become a very popular. Form of real estate investing. People think when they hear this. Well, it sounds like flipping, right. This is not flipping. Flipping is kind of like day trading. You're looking to make a quick buck, whereas in this case you're not selling the property. You're keeping the property with the intention of renting it out and collecting the cash flow from your tenant.   Naresh Vissa (00:28:19) - So that's in a nutshell, what BRR is. And we are having a live event on Tuesday, June 25th at 8:30 p.m. Eastern Time. That's Tuesday, June 25th at 8:30 p.m. eastern. Time to talk about and go over this BR process. The bird key process or listeners are familiar with turnkey. Well we have BR key which is similar except it's using the BR method. And Keith, you probably know this and you've talked about it a little bit on your podcast. BR has become the most popular strategy that our investors are utilizing this year, 2024.   Keith Weinhold (00:29:01) - Yeah. Now back to the build to render the new build properties is attractive as they can be because they attract a certain quality of tannin and they're not going to have any maintenance or repair issues, most likely for quite a while. The thing with those is, oh, you might pay 300 K or more for a new build. Single family home in the builder rent style with 20% down payment, 5% for closing costs, you're out of pocket. 75 K.   Keith Weinhold (00:29:30) - One reason that this has become the most popular strategy for gray followers we're talking about here. The BR strategy is that you could come out of pocket with a lot less to begin with.   Naresh Vissa (00:29:42) - That's number one. Number one is we have some GRE followers who went into this Berkey and they put no money down. They got lucky. They initially bought the property, and the property appraised so much that they got their money back and their down payment was actually zero. They didn't make money on it, but what they allocated, what they thought that they would allocate 25% down, they ended up using that money since they got it back to buy a second property and then a third property and then a fourth party. We have one guy who bought six properties, all birds, because he didn't get I don't want to say, look, we're not making promises that you're going to put 0% down. That's not the promises that we're making. The worst case scenario is that you put 25% down and that's your standard real estate investment.   Naresh Vissa (00:30:27) - But there is a chance that you could put 15% down or 10% down if the rehab turns out really well. And if you get a good appraiser, there's a chance it can happen. But the goal here, again, is not to make a quick buck or to house hack. We're not taking shortcuts here. The goal here is simply to buy a property renovated or rehab it and drive up the rent price, drive up the value of the property, put a good tenant in there and call it a day. Collect those cash flows. Now I do want to say a few things about that process. So like I said, the first thing that you do is you buy. So first you buy, then you rehab. You do not have to do we call it Berkey because everything is done for you. So when people hear this, they're like, oh, this sounds like I live in Florida. I don't want to go to Memphis. And by the way, this specific market is in Memphis, Tennessee that we're focusing on.   Naresh Vissa (00:31:26) - We have burrs in Baltimore, Maryland and Philadelphia, Pennsylvania and Pittsburgh, Pennsylvania. But we've identified Memphis as not just the hottest, but it just makes the most sense numbers wise. And so I want to go back to the point of, hey, you don't have to physically go or even go on Google and find handymen or rehab ers to do this for you, our Berkey provider. The best part is they do it all for you. It's completely taken care of. You literally just sign some papers. Once you decide that you like a property and the specs of the property, you sign some papers. They take care of it. The rehab takes about 90 days. Then from rehab to closing, it takes another 40 days or so. And then from closing to someone signing a lease that takes another 30 days to find somebody, stick them in there and takes another 30 days after that for the tenant to move in. So overall, this process can actually take just for one property. You can take six months.   Keith Weinhold (00:32:26) - Now. Naresh has touched on it somewhat. One conventional problem with the Burr strategy by rehab rent, refinance, repeat is that first are the rehab because it involves vetting and managing contractors, which is a real nightmare for many. So instead, we're talking about tapping into a system with a proven team of contractors and lenders and project managers to make it easy. It's known as Berkey, and it's in profitable Memphis.   Naresh Vissa (00:32:54) - Profitable Memphis. And I'll say this about Memphis, we're going to talk. Way more about this on the webinar. Highly recommend people go to GRI webinars. Com gri webinars.com. You can sign up for the webinar there. It's actually live. So this is not like something that you just can show up to whenever you want. It's a live event on Tuesday, June 25th at 8:30 p.m. Eastern Time. That's Tuesday, June 25th at 8:30 p.m. Eastern Time. Great webinars.com is how you can register. And like you said, we could have focused on Baltimore, Maryland or Pittsburgh. Memphis has really and I myself by the way, own five properties and four in Memphis proper.   Naresh Vissa (00:33:42) - And one is in the Memphis area and Mississippi, a suburb of of Memphis. And this I don't want to call it a town, because Memphis used to be one of the most popular towns in the south back in the day. But this city has really come up as a result of pandemic, of population growth, of even inflation. We've seen rents go up, we've seen the population go up. Memphis is not what you think of from eight years ago. Seven years ago when I first bought my properties. I'll admit, when I bought my first property seven years ago in Memphis, I had a lot of problems with tenants. I had a lot of problems with the city. I didn't like what I was reading about the police department, just all sorts of things. Not the police department, just crime in general. And Memphis has really turned itself around. Not completely turned itself around, but it's gotten better. And we're seeing it just on the investment side because that's where we're seeing appreciation growth. My personal properties, they're up since 2020, since January 2020, I was when I closed all my last Memphis property.   Naresh Vissa (00:34:49) - They're all up at least 50% in value. So it's a market that's still appreciating. But the most important thing because we are cash flow investors, not necessarily appreciation investors. It's great to get the appreciation, but the rents keep going up. And I actually today I've talked to a Berkey client, great loyal Jerry listener and follower who ended up buying three properties, and she's on her fourth one, or about to do a fourth one with this Memphis market provider. And when she told me her rents, I was blown away at how much these properties were renting for before the rehab. So it's not just the appreciation again, that goes up after the rehab, how much they were renting for before the rehab. We're talking less than $800 a month and post rehab. Her rents went up by nearly 50%, about 45% on average. House rehab is like three bedroom, one and a half bathroom. Homes initially she bought them. This is how a lot of the properties are. They only had two bedrooms and they converted one of the spaces.   Naresh Vissa (00:36:05) - The rehab were converted at no extra. You know, it's all inclusive of the rehab charges. They were able to find space in a lot of these properties that were two bedrooms to create a third bedroom and turn them into three bedroom properties instead of two bedroom properties, which also improves the value of the home. And you can get another body in there and increase the rent. So, Jerry, listeners have been really, really happy with this burpee process because at the end of the day, you really do get more bang for your buck. Yes, new construction overall. It's just safer. We have tons of great new construction providers, especially in Florida, whom we recommend, but this is an alternative for those people who don't have $100,000 sitting in the bank ready to invest in a new construction, single family, or a new construction duplex. The Berkey, I mean, really all you need is about 20, $25,000 to do it. And like I said, if you get lucky, you could get a decent portion of that back after the rehab.   Keith Weinhold (00:37:08) - Well, you bring up so many good points there in the race. For one thing, with real estate, you can intentionally improve the value. That's something that you cannot do if you own a stock or if you own cryptocurrency, or if you own gold, you can help control what your investment is worth. And a lot of that happens here in the rehab process. Well, the race would love to tell you more, including walking you through an example with numbers, but that's the best place for him to do it. That is on the live event next week because it is co-hosted by narration. You can join the live virtual event from the comfort of your own home. You can ask questions and have them answered in real time. It is all free and we'll also be sharing special off market Berkey inventory. In Memphis for two, three and four bedroom properties, so go ahead and attend on June 25th. Which again is next Tuesday. Be sure to register now at GR webinars.com. Just been great to walk through the Berkey.   Keith Weinhold (00:38:12) - Thanks so much for coming back on the show.   Naresh Vissa (00:38:14) - Thank you. It's been a pleasure.   Keith Weinhold (00:38:21) - Oh good info from Gree investment coach Naresh as always. Next week's live event. That could be a bigger deal than the Paris Olympics this summer and this year's presidential election combined. Oh yes. Well, at least it expects to be more profitable for you than those other events. It will also be more entertaining when you join as an attendee live next week. Certainly more entertaining and informative than Olympic handball and Olympic race walking, no doubt about that. I don't think I've offended any race walking fans because there are only perhaps five in the world. In any case, BR is a process by which, after you buy months later, you can expect to refinance at a higher valuation since the property has been rehabbed from your initial purchase, and then you get a big chunk of your own down payment back, meaning you have less invested in the deal. And that's why you get a higher cash on cash return. Because cash and cash return all that is, is your annual cash flow divided by your initial investment or your starting equity position.   Keith Weinhold (00:39:37) - The last R in BR is repeat. You can repeat sooner because you did get some of your invested cash back. And that's part of what makes the strategy so effective. Now is part of your refi. You might get a post appraisal rehab that's so high you essentially get all of your down payment money returned to you, at which point it would be an infinite return because you don't have anything invested in the deal. But you should not count on having all of it returned, just a lot of it or most of it. Next week's live event is where the BR real estate investing strategy gets introduced to a wider swath of America one last time. Attend live next Tuesday. The 25th. I really encourage you to check it out. Be sure to sign up for the virtual GRE live event now! It's pretty quick and easy to do at GR webinars.com. Until next week, I'm your host, Keith Weintraub. Don't quit your day dream.   Speaker 5 (00:40:41) - Nothing on this show should be considered specific, personal or professional advice.   Speaker 5 (00:40:45) - 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 yet Rich education LLC exclusively.   Robert Syslo (00:41:09) - The preceding program was brought.   Keith Weinhold (00:41:10) - To you by your home for wealth building. Get Rich Education.com.