Podcasts about Appreciation

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Appreciation

11-11 Papa & Silver Show - Hour 4: The Burden and Appreciation for Bay Area All-Time Greats -- Christian McCaffrey, Stephen Curry, and Jumbo Joe ThorntonSee omnystudio.com/listener for privacy information.

In the final episode of the Performing at Your Best mini-series, Stacey pulls back the curtain on the little things that help her show up as her best self—especially on the tough days. From colourful shoes to crunchy salads and weighted blankets, this episode is a celebration of self-awareness, self-compassion, and setting yourself up to lead with clarity, calm, and confidence. You’ll learn: ✨ What “spoons” have to do with energy, productivity, and staying out of burnout✨ How sensory tools, joyful clothing, and rituals can regulate your nervous system✨ Why Stacey unapologetically leans into what works for her (and how you can too)✨ The power of finding your own quirky, comforting rhythm so you can lead from a place of strength This isn’t about copying someone else’s routine. It’s about discovering what works for you—and giving yourself full permission to do more of it.

11-11 Papa & Silver Show - Hour 4: The Burden and Appreciation for Bay Area All-Time Greats -- Christian McCaffrey, Stephen Curry, and Jumbo Joe ThorntonSee omnystudio.com/listener for privacy information.

What Men Secretly Want from Women (But Rarely Say Out Loud)In this deeply insightful episode of The Secret Formula of Femininity, Dr. Nicole Monteiro unpacks what emotionally grounded, high-value men truly desire in love — and how modern women can connect with them without losing their softness or strength.Building on her conversation with Conroy Jr., Dr. Nicole explores why respect, trust, and emotional safety mean everything to men — and how women can communicate in ways that create lasting connection instead of silent distance.

Boost productivity, reduce turnover, and elevate morale by mastering one overlooked leadership skill: showing appreciation. Dr. Paul White, co-author of The 5 Languages of Appreciation in the Workplace, joins the CollisionCast with speaker and coach Sheryl Driggers of Collision Advice, who's also a former collision repair shop owner, to talk about how misconceptions could be hurting your retention, morale, and results.  Get in touch with Dr. White at https://drpaulwhite.com and Sheryl at sheryl@collisionadvice.com.  

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith discusses Billie Eilish's views on billionaires and contrasts her stance with Grant Cardone's, emphasizing the value billionaires bring.  Hear about the Fed's decision to end Quantitative Tightening (QT), predicting lower interest rates.  GRE Investment Coach, Naresh Vissa, joins the conversation to highlight the benefits of new build properties, such as lower maintenance and higher tenant quality, and mentions a 10% cashback incentive from builders.  Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/579 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host. Keith Weinhold, should billionaires even exist? Why do so many people think that interest rates of all types are headed even lower than as a real estate investor, how to identify and capitalize on an opportunity in this era? It's something that I've never seen before. Today on get rich education   Speaker 1  0:27   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   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  1:29   Welcome to GRE from flatiron, Manhattan to Flatbush, Brooklyn, across New York City and 188 world nations. This is Get Rich Education. I'm your host. Keith Weinhold, it's the longest federal government shutdown in US history. This whole thing has now lasted longer than most gym memberships. I guess the GDP stands for government doesn't produce, hmm. Before we get into our core investing and real estate content today, Billie Eilish, the singer, recently made some public remarks on whether or not billionaires should even exist. Yeah. Now if you're not familiar with her, Billie Eilish is known for her kind of unique style, sort of these baggy clothes, neon hair, avant garde fashion, and she has a reputation for being outspoken about a lot of things like mental health and body image and environmental issues. Now, in general, I respect people for speaking their mind, whether I agree or not, because a lot of people are just afraid to do that. Let's listen in to this short clip on what she said. You might have heard this because it was pretty widely broadcasted. Eilish spoke after receiving recognition at the Wall Street Journal innovator awards. This is courtesy of the AP. And then I'll come back to comment.   Speaker 2  2:58   We're in a time right now where the world is really, bad and really dark, and people need empathy and help more than kind of ever, especially in our country. And I'd say if you have money, it would be great to use it for good things and maybe give it to some people that need it and love you all, but there's a few people in here that have a lot more money than me, and if you're a billionaire, why are you a billionaire? No hate, but yeah, give your money away. Shorties. Love you guys. Thank you so much.   Speaker 3  3:40   First of all, without explicitly saying it, she's basically referencing how inflation widened the canyon between the haves and the have nots and GRE listeners that have acted have been on the right side of that canyon. I actually want to give Billie Eilish some credit here. Giving is virtuous. That is a good thing. In fact, next month, I plan to discuss the pros and cons of giving here on the show as we approach Christmas. Billie Eilish, she's certainly not a hypocrite either, because she's given away more than $10 million of her estimated $50 million dollar net worth. She's into feeding people and climate initiatives that right there is giving away more than 20% of your net worth, and that is really kind. Now, you heard her say there's a few people in here that have a lot more money than me, and she's right. Mark Zuckerberg was in that room. His net worth of over 200 billion means that his net worth is more than 4000 times greater than Billy eilish's. It sounds loosely like she's. shaming him for not giving away more of his wealth. And I don't know just offhand how much Zuck gives away, but this is where my credit to Billy Eilish stops. I think that it's okay for a person to be a billionaire. I wouldn't question that. I mean, a lot of times it meant that that person was willing to take risks that others would not dare try. A billionaire probably means you're a person of great value, and that you've hired hundreds or 1000s of other people, creating jobs for them. A billionaire has almost certainly created a product that society values. Jeff Bezos pioneered one day delivery. Zuckerberg connects people through his meta platforms. And now I'm not going to say that either one of those billionaires are perfect people. They are flawed, just like you and I. Billionaires probably pay more tax than the average person as well. That supports the infrastructure that you and I and everybody use, like building bridges or creating a fiber optic network. I would expect that a billionaire would be a giver as well. And see, if you're a billionaire, you have more ability to give than the average person does, you can make a greater impact. And see, this is where things really break down and not make sense. So if Billie Eilish is net worth is 50 million, Oh, apparently that's just okay. That's fine with her. But once it gets to 20 times greater than that, which is 1 billion, then it's not okay. So that means the line is drawn somewhere in there. That makes zero sense to me. The ceiling on what you're supposed to have in net worth is between 50 million and 1 billion. Like, I really do not get the logic on that one. And you know, a guest that we've had on the show here, Grant Cardone, whether you like him or not, he has had some on point remarks about these Billy Eilish comments himself to the question that she posited, which is, if you're a billionaire, why are you a billionaire? Cardone's answer is, if you're a pop star, why are you a pop star? Billy said, give your money away. Cardone's response to her is, give your music away. That's some food for thought there. That's my take on the Billy Eilish remarks on whether or not billionaires should exist. And if you want to hear Grant Cardone and I's conversation here on GRE, that was episode 264 the title of it is Keith Weinhold and Grant Cardone 10x your wealth number 264, a lot of listeners like that episode saying something like it was a dream to hear grant and I together for the first time. Like that, their favorite sales trainer on their favorite real estate show. You can listen by either scrolling way back to get rich education episode 264 in your podcatcher, or you can listen directly by going to get rich education.com/ 264,    Keith Weinhold  8:11   now the Fed has said that they are going to slow or end Qt, next month. All right, when Jerome Powell says something like this, what does that really mean to you as an investor? What can you expect ending QT? Well, you probably already know that QE quantitative easing that has the effect of creating dollars. Qt is the opposite. It has the effect of destroying dollars. So if they're ending Qt, this helps keep more dollars around in the future. So ending Qt then, like we expect soon, that really parallels a lower interest rate environment, because see lower rates already make dollars flow more freely. You probably remember the analogy that I introduced to you on the show earlier this year about how lower rates are like lowering the height of a dam wall. It makes it easier for water to flow, so then lowering rates makes it easier for money to flow, and that's because low savings account rates make people get money out of those vehicles. Okay, that's that low dam wall and low borrowing rates make that money flow as well. People will unlock dollars if rates are low, late last year, the Fed dropped rates a full 1% then they didn't make any moves for a while, until late this year, they've now dropped rates another half a percent. That's the environment that we're in. So then more QE and less QT. That further eases the flow of dollars, and it correlates with even lower rates that are coming in the future. Now it doesn't mean that they will. I'm not saying that they certainly will. There is just that tendency, that correlation. So we had pandemic era QE there about five years ago, that ended as we moved to Qt in 2022 and now what we're doing is unwinding Qt, moving back toward more flow, and it surely gets more technical than that. Ending Qt allows the Fed to expand its balance sheet again. Treasuries and mortgage backed securities, once matured, can now be replaced, and that injects liquidity into the system once again, and that is where we're going. Bank reserves are reaching ample levels again, and there is no need to put liquidity stress on money markets. A lot of these moves are here. What they're here for is to help ease the concerning labor market. It's been almost exactly three years now since chatgpt launched, and a while back, I mentioned how companies were newly interested in hiring the shiny new job that didn't exist before the AI prompt engineer that was one of the hottest jobs. Well, yeah, that was true back in 2023 but not so much. Now. A lot of companies have figured out that the employees that wanted to keep their job, well, they figured out real quick how to be the Ask AI, good questions guy, and we are seeing more layoffs later today, my guest and I will talk about that, and also he's going to make somewhat of a future mortgage rate forecast, or at least talk about the direction that they're going in. I think you're really going to like that. I don't predict rates myself, but sometimes a guest will. That's what's happening today. My point here is that with Qt ending, which again lowers the damn wall height and eases the flow of money, that parallels the fact that we have lower interest rates now than what we had one year ago, and we have lower interest rates now than what we had two years ago. As well, be mindful that you cannot get it all as a real estate investor. You cannot get soaring employment and low interest rates together. You cannot get those two things together, at least not for long. High employment means high rates. Low employment means low rates. Today's guest, and I will get into that as well.    Keith Weinhold  12:43   Well as we've had lower rates, hence a lower wall height, don't buy property and expect that you'll be able to refi into a lower rate within a year. If it happens, great. Don't buy expecting rents to go up or rates to go down, although many think that will happen. Just enjoy it. If it does, rent vesting has been on the rise lately. Yes, rent vesting. What that means is when you pay rent in the property where you live, and then the only properties that you own are rental properties. Rent vesting makes sense if you live in California, New York City and Boston, since rent to price ratios are so low there, and then you invest your dollars inland, that's how you can live in a high cost place and yet still benefit from cheap rental property and have income streams from them. You might remember that some months ago, I interviewed two listener guests on the show, everyday listeners, just like you, and California based investor and GRE listener, Joshua Fang, told us about his rent vesting. He pays rent in his primary residence, since the rent to price ratio might be three tenths of 1% there and then he owns property in GRE marketplace markets, I think it was Memphis and elsewhere where you're benefiting from, say, eight tenths of 1% that is called rent, vesting, investing in properties that make sense that you buy through GRE marketplace. And remember when Josh told us that passive income gives him time to enjoy life and even stop and watch two lizards for 15 minutes? Oh, what passive income can do. It's the quirky things that you remember. See. The point is that smart people in high cost states are rent vesting, if that's what you've got to do in order to own real assets. Then do it get on the right side, as this difference between the haves and the have nots just keeps expanding. I just did something that you might find interesting over the weekend for the first time in years. I visited that first fourplex building that I ever owned, which is also the first piece of real estate that I ever owned, that blue colored fourplex, and it is still blue. The address of that property is 925 east, 45th court, and it's in Midtown Anchorage. It has never been a pretty neighborhood, and I confirmed that it still is not. It looks a touch worse than when I owned it. I straightened up the curb appeal more than today's owner does. I bought the four Plex over 20 years ago for $295,000 and at that time, on the day that I bought. The total rents were $2,900 because it was 725 per door. I just looked on Zillow. And do you want to guess at its zestimated value today? Yes, it cost 295k back in 2002 and today, the Zestimate is 625k I don't know what today's rents are. My guess is that they're just short of $6,000 for all four units combined, two bed, one bath, 960 square foot units, really plain vanilla, boring looking housing, but it's certainly not like a crime ridden slum. It's just that depressing looking block that's just chock full of disorder and these other four Plex buildings and dumpsters all over the place. But yeah, that's how it all began for me. I visited that building again, and I haven't owned it in a while. I 1031 exchange out of it and into an eight Plex in 2013 if it weren't for that building, you would not be listening to me right now, and you would not have heard of me, because this show wouldn't exist big thanks to the three and a half percent down FHA loan for someone that came from humble means, like me.    Keith Weinhold  17:03   Last month, I did a running race that goes up a ski jump that was pretty cool. It gets so steep that you have to grab onto a cargo net to pull yourself up. It's almost like a rope ladder. I did not win. I got fifth out of 21 competitors in that race. Hey, I like to get out and physically challenge myself. After talking real estate all day, my body weight is up a little. It's currently sitting at 178 pounds. That's 81 kilograms for our European listeners, and it hit its recent bottom of 172 back on the Fourth of July. That's by design. I need to be really leaned out for a big Independence Day race every summer. You know, I'm one of those guys where I still cannot compete with bodybuilders because I'm too lean, and yet I don't win running races because I'm too bulky, so I'm more of an all around guy. I do about seven different sports, and that's exactly how I win nothing and always get like, fifth place or worse. This major mammal has got to keep himself moving, In any case.   Keith Weinhold  18:17   next week here on the show, we'll talk to a Harvard grad. She's super interesting. She used to work at Apple, and then she founded an AI centric property management company so that you can use her platform to self manage and leverage AI. But are we at the point where your tenant would really talk to a chatbot? Would that fly? And if society is there, well then do property management fees and everything start trending towards zero. I'm going to ask her about that. That's next week. As for today, you know, the world series ended about a week ago, and what I did is that I watched 10 commercials during the World Series, and then I jotted down the name of each sponsor, and here's who the World Series advertisers were just in this one segment where I paid attention to them. They're all big brands that you've heard of atnt Liberty, mutual nature made brand items like vitamins and supplements, Starbucks, Coors, light, Qdoba, Capital One, Home Depot, crest, white strips and Jim Beam, all right, those were the 10. What do those 10 have in common? More or less, any ideas there those 10 products and companies are all for consumer products. That's the common link. And that might seem so obvious that you wouldn't even think of it. Well, this is because most ads are for consumer products. Those ads fuel consumerism. And there's nothing wrong with that at all. That. Represents an economy. In fact, I use some of those very companies in my personal life.    Keith Weinhold  20:04   But here's the difference here at GRE our sponsors help you produce, not consume. Think about that as you listen to me in this spot for freedom, family investments and then Ridge lending group, then I'm coming back for more with a terrific guest.    Keith Weinhold  20:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Keith Weinhold  21:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   John Lee Dumas  22:08   this is Entrepreneur on fires, John Lee, Dumas, don't follow Money. Make money. Follow you with get rich. Education.   Keith Weinhold  22:22   So we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach. And like I've told you before, he's got both the formal education with his MBA and the self education, because he's an active real estate investor for four years now, he has helped you completely free, usually over the phone, sometimes on Zoom. He learns your own personal goals and then helps you find the market that's right for you in fitting those goals. And I've had listeners like you tell me that, you know, I can't believe that getting his actionable insight is free, and now he can help you best, though, if you're ready to own more income property, he even helps connect you with the exact property address, like say, 321, raspberry Street in Huntsville, Alabama. So it's great to welcome back to the show and provide the listener with a respite from my mouth breathing rhetoric and discourse, it is GRE investment coach. Naresh Vissa,   Naresh Vissa  23:24   thanks a lot, Keith. I can't believe it's been four years. It's been four amazing years, and congratulations to you and to GRE for being around so long and together, we have grown our listenership, and we appreciate all of you listeners, listening out there, for sure,   Keith Weinhold  23:42   real estate activity has slowed down overall, but things are still really vibrant. Here at GRE we see more activity than we saw last year, and when we talk about increasing activity, Naresh, the Fed, looks to do that when they reduce interest rates, that incentivizes businesses to borrow, that incentivizes consumers to spend, because, for example, they're not getting as high of a yield and their savings account. So now we're here in this fed cutting cycle. Tell us what that means from your perspective.   Naresh Vissa  24:15   We talked about this a few months ago when I was on the podcast at the Federal Reserve. I predicted that the Federal Reserve would begin a rate cutting cycle, and that this cycle would be extensive. It would not be an overnight, 100 basis point cut, or anything like that we saw in March. So that rate cutting cycle has begun, and they continue to cut. And we did an entire episode on President Trump and the name calling with Federal Reserve Chair Jerome Powell, whose term ends in the middle of next year. It's May of next year, when he's leaving. And with all that pressure, I predicted that the Fed would begin its rate cutting cycle. We are in the. Cutting cycle right now. They did a few cuts last year and stopped, which I thought were mistakes. But with that being said, we are in the thick of this cutting cycle. We are going to see more cuts moving forward. And what that means you're already seeing it. As a real estate investor, you are seeing, I don't want to say low interest rates, but lower interest rates compared to where we were a year ago, compared to where we were certainly 234, years Well, maybe not four years ago, but three years ago, we are seeing far lower interest rates, and we will continue to see interest rates, in the sense of mortgage rates, plummet as a result of this. So enjoy the low rates while they last, because they're not going to last forever. Nothing lasts forever, but the Federal Reserve, you throw in the government shutdown, I think it makes sense that the Federal Reserve continues to cut, because there's no telling where inflation is going to go. The experts thought that inflation would go up, up, up, up and be a significant problem. They've been saying that since the election winner last year or the election night last year, we haven't necessarily seen that. We have seen inflation somewhat go up, but we haven't seen that runaway inflation that many of the experts predicted as a result of the tariffs, as a result of the rate cutting, I think it definitely helps that number one, Doge, cut several government programs and cut a lot of government spending, not as much as they thought they would, but they cut enough to where they're limiting the amount of federal government spending. We've also seen mass layoffs, mass layoffs in the public sector, which has seeped into the private sector as well, because many of these private companies, like an Accenture, for example, many of these tech companies that were getting subsidies from the government, that funding has stopped, and that has led to layoffs. Now, what layoffs do is layoffs create, I don't want to say deflation, but layoffs are disinflationary, right? And we've seen significant layoffs, like I said, since February of earlier this year, when Doge was in the thick this government shutdown has led to mass layoffs as well. So we've seen 10s of 1000s of people well, we've seen hundreds of 1000s of people furloughed, if not at least a million people furloughed now, they will end up getting their pay, but we've seen 10s of 1000s of people laid off as a result of this government shutdown. And what that means is, again, this is very disinflationary. That's less money that the government is spending moving forward, not just right now, but moving forward. So there's a savings there that's also more people who are probably going to hold on to their cash as tightly as possible as they find new work. So this is, once again, disinflationary. And what does all this mean? All of this, to me, seems disinflationary. It goes against the narrative that when you cut interest rates, inflation goes up. It goes against a narrative that when you implement tariffs, inflation goes up, and that's why we haven't seen the runaway inflation that many so called experts were predicting. I think moving forward, the Fed continues to cut because of the weakness, at least when it comes to the job situation, because of the weakness with jobs, and because of unemployment, it's gone up somewhat. I think the Fed ends up continuing their rate cutting cycle through the end of Powell's term, and it could be just a series of 25 basis points every time they meet. Maybe if things get if there's something that they don't like, they up it to 50 basis points at one of the meetings. But the bottom line is, I think they're just going to keep cutting until Powell is gone, and then Trump will put in his guy into the Fed chair. And by that point, we may have cut enough to where there's not much left to cut yet, and that's when we're going to see there's a chance that could happen, or there's a chance the next guy will pick up where Powell left off and and do series of cuts as well. But what that means is that mortgage rates, we can expect, that's one of the most common questions I get from GRE followers, yeah, it's where do you see mortgage rates going? Because these people, they're not a lot of our followers, they're not following the intricacies of the market. Most of our followers have full time jobs as doctors or dentists or engineers or IT workers, and they're not following the ins and outs. And so the most common question that I get is, where are interest rates going? And I've been pretty spot on for the past few years, minus a few mistakes that I thought the Fed made. But I'm very confident when I say, just like I said when I came on earlier this year, that interest rates are on their way down there, and they are not on their way up.   Keith Weinhold  29:51   Just wait until this administration gets their guy in as the Fed chair. It almost feels like we're going to see a Javier Malay Argentina. President, you know, coming in with the chainsaw, they want to cut rates so aggressively, this administration, and Jerome Powell has sort of been a buffer against that, and Naresh has been using the term disinflation. I don't want you, the listener, to confuse that with deflation. Deflation means an increase in the purchasing power of your dollar, something that we rarely see. Disinflation means a slowing in price increases, meaning the rate of inflation goes down. And yes, I think it's been pretty obvious, and I've stated on the show before as well, that the Fed cares more about the employment situation than they do the inflation situation, probably, and you as an investor, you need to be careful what you wish for, because low rates sound really good, and they can be, but high employment typically correlates with high interest rates of all types, and lower employment typically correlates with low rates of all types. Rates get lowered because they know that the economy needs the help so you can't get both. You can't get both high employment and low rates. That condition doesn't persist for very long. And the Naresh during this part of the cycle, it's really been unusual and interesting at how new build properties have such advantages for investors today, including the aberration that the median new build property costs $33,500 less than the median existing property. That data is per the NAR when we think about new build property. Well, wait, first of all, that sounds amazing, and some people are incredulous about that, but there are reasons that the average new build property costs less. A lot of times the size is smaller. A lot of builders are building further from city centers. So I think before an investor gets in and buys a new build property, one really important question for them to ask is, oh, okay, well, how far is that property from an employment center. But otherwise, it's really the right time in the cycle for new build. New build can make your investment more passive. You know, you've got new fixtures, of course, and a warranty, and you're going to have lower insurance costs as well, typically, on a new build property. And Naresh, as you're talking with our followers and investors about new build property. I'm just kind of wondering, do you get more people that want to self manage the property because it's new build, because they figured that their maintenance and repair requests are going to be fewer? Or what do you see in there?   Naresh Vissa  32:35   No, not at all. Because the strength of GRE is that we connect investors, we coach investors so that they can own real estate around the country. They're not owning real estate in their neighborhood or in the area that they live in. We only focus on markets that make sense, generally linear markets, state friendly landlord friendly states, those other markets we are focusing on. So even with new builds we are seeing, I would say 100% of investors saying, hey, I want professional property manager, managing the property that's extremely, extremely common, that is the norm. I will also say, with new builds you brought up earlier, when you introduced me, I own several properties. The last two properties I bought were new construction. Were new builds. Yeah. And I personally comparing the first six properties of rehabs to my last two, which were new builds, I've had far fewer issues with the new builds, not just far fewer issues. I would say overall, the profitability has been greater with the new builds, despite the pro forma initially showing that I would barely Break Even now, I did buy several several years ago before all this appreciation and inflation hit. But it certainly helped a lot to have new builds where the maintenance is far lower and where the quality of the tenant is extremely high. So I generally recommend our investors, if you have the capital available, and generally, just to keep things simple, I say if you have $100,000 in liquid cash ready to go, there's no reason why you shouldn't be buying a new build. Would I waste my time with the rehabs, with the burrs. I mean, those could be profitable too. You should never say no to anything but the new builds. I've slept better at night because of those reasons, because I know at least for the first 10 years that there aren't going to be any major problems and the quality of the tenant is going to be far higher. So I'm a huge fan of new builds, not pre construction. Pre construction means you're buying a plot of land, and then you hope that the builder is going to build a home on top of it. And most of the time, the builder does, but many times, as we saw during the pandemic, there were key. Countless stories around the country of developers selling pre construction and then nothing ever got built. They ended up flipping the land and generating a profit off of it. I don't recommend those at all, but new construction is the way to go. And I'll also add one more tidbit about the previous topic that we talked about, regarding interest rates also remember that lower interest rates mean that the government and their debt they're going to be paying, they can refinance their debt and pay lower interest on their debt when interest rates go down. So that's also going to help reduce the the deficit, and it's going to help reduce the debt as well. So that will help bring inflation down.   Keith Weinhold  35:42   We're talking about buying a property that's already built with new construction, and in a lot of cases, like we'll talk about shortly, it's already tenanted for you as well. So it really reduces the guesswork and the waiting. And of course, new build properties tend to appreciate better than existing properties. So, yeah, tell us more about new build properties, because they tend to be in Florida and Texas that really has an outsized number of them right now. And that's where the builders are really giving incentives when we talk about appreciation, and where we think about appreciation going in the future. You know, appreciation has been really tepid, really boring. Prices have even contracted a little in some Florida and Texas sub markets, but with the long term trend, visual capitalists just shared a terrific map from today to 2050 for example, the Texas population is expected to grow 27% one of the fastest growth states that there is going to be. And a lot of people say, Oh, isn't it going to pass California in population soon? No, not anytime soon. It'll be decades. California is expected to grow 8% over the next 25 years, but Texas is a place where the numbers still can make sense on new build, because you have some overbuilding. So some builders are really incentivized to give you a good deal.   Naresh Vissa  37:06   Well, there are several markets in general. Let's just talk about it. You use an important term, which is appreciation. With new builds, the likelihood of appreciation is greater. This is statistically backed up. You can go check your sources, but the likelihood of appreciation is far greater with new builds compared to older rehabs, a property that's 50 years old, six years old. In fact, those properties probably appreciated early on in their life cycle, and that's just generally how it works. So with new builds, I say look, cash flow is still important. Cash flow is one of the tenets of real estate paying five ways. It's one of the core tenets of get rich education. But you also have that appreciation play with new builds. Again, it's about markets, because if you're buying a new build in, let's say a California or a New York or a New Hampshire, some really anywhere in the northeast, then it is somewhat of a speculative play, depending on the price point, depending on a lot of different other factors. But when you're talking about the markets that we operate in at GRE you brought up two of them, Florida and Texas. There are other markets, like in Tennessee and Oklahoma, where we have new constructions, and they are also positive, cash flowing, high appreciation place. So you just never know what's going to happen. I bought a new construction, for example, just outside of Memphis six years ago. It was just outside of Memphis in Mississippi six years ago, and I bought it for purely cash flow purposes. The pro forma looked good. Property was brand new. It was near several areas where there were many jobs. So I said, Hey, this is a good cash flow play. And I even remember asking my sales agent, hey, what do you think about appreciation? I usually never buy for appreciation, but this is a new construction. What do you think? And he said, You know what? I don't know if this is really going to appreciate that much. I'm not really sure about that. So I said, that's fine. I like the cash flow. Well, fast forward, six years later, as I said, we you just never know what's going to happen. We saw this inflation. We also saw an influx of people migrating into Tennessee, migrating into Mississippi, especially that Mississippi Tennessee border migrating into the Memphis area. Now we have the Trump administration, sent in the National Guard  about about a month ago, sent in the National Guard into the Memphis area, and they haven't left. They're still there, and crime has is at least based on the numbers that crime has really the National Guard has made a big difference on crime, and that's usually the number one deterrent for a market like Memphis. The point that I'm making here is that you just never know what's going to happen with these new construction builds. If you can get positive cash flow, I always tell our listeners. Shouldn't buy a new construction that's negatively cash flowing. You still want to protect yourself. You don't want to be paying money out of your bank account to own a property. Money should be coming in. So you still want to be positive cash flow. And the appreciation is a huge, huge plus, even in areas that you would not think or that you would not expect to appreciate all that much.   Keith Weinhold  40:22   Appreciation just is not as much of a story over on some other platforms, perhaps, or the way that people think about it, because if you pay all cash, appreciation isn't that good for you, but you're leveraged at four to one or five to one with a 20 to 25% down payment, which can really give you those outsized rates of return, which aligns with what we talk about here at GRE Well, we have a live upcoming virtual event. It is this coming Thursday, and before I ask you if you have anything else to tell the audience here as we wrap up, Naresh, it is hosted by you. So it is co hosted by our own in house investment coach Naresh, and our guest that you heard last week here on the show radio veteran Adam. The Event Thursday is called how to scale your portfolio with tenanted cash flowing new construction properties where you can get up to $41,000 cash back after closing, we talk about these builder incentives. So today's real estate market is really giving buyers opportunities for new builds that I haven't seen, maybe ever. Builders are incentivized to move their properties, and we've made headway with builders to get you up to a 10% cash back incentive at closing when you purchase, you can either take the cash at closing or boost your cash flow by buying down your rate, perhaps get some rent credits, so learn how you can take advantage and really prime yourselves for moves today that are going to lead to your success in coming years. And we have tenanted again, tenanted already occupied new build properties in hot markets like Houston, San Antonio, Dallas, Texas, ready for you to purchase with up to that 10% builder incentive so that you can cash flow from day one. And these properties are really in high quality communities, primarily owner occupied, high appreciation, upside, solid rent growth. So learn the strategy, learn the markets and even see available new build income property. The benefit of you attending is that you can have your questions answered in real time by Naresh or Adam. You can sign up for that now at grewebinars.com It is Thursday, November 13, at 8pm Eastern. Any last thoughts as we lead into Thursday, Naresh?   Naresh Vissa  42:45   Gre, webinars.com gre, webinars.com go to that website to register for our free online special event. It will be live. I'm going to be there with Adam. You heard on last week's podcast, we've got some great deals and great incentives, like what you said, Keith, and they're all new constructions. They're all new constructions, mostly in Texas. And these are major markets in Texas too. We're not talking, yeah, many of our followers and listeners, they see a new construction, and they're like, I've never heard of this place in Alabama, or I've never heard of this place in Oklahoma. These are in legitimate suburbs, areas outside of Dallas, Houston, San Antonio, some of them are even in Dallas, Houston, San Antonio proper. So these are markets that everybody is familiar with. It's not some podunk town that you may have seen on our GREmarketplace or GRE spreadsheet in an Arkansas or in Alabama. These are mostly in Texas. The incentives are great, and these are national builders as well. These are not small, no name, Mom and Pop builders. These are national builders who we are working with to offer these special incentives. These are names like you've heard. Many people have heard. Some of them are publicly traded companies like an LGI, that's a very large national builder. That's who we've partnered with to get these deals so grewebinars.com is the link to register for our online special event. GREwebinars.com. I hope to see all of you this Thursday,   Keith Weinhold  44:31   major builders, major markets and major incentives on new build property. You're going to hear more from Naresh on Thursday, it's been great having you back on the show.   Naresh Vissa  44:43   Thanks a lot. Keith   Keith Weinhold  44:50   oh yeah. Naresh does a better job of hosting GRE webinars than I do. In my opinion, you'll remember that I hosted them myself until 2020 23 but you know, maybe I'll come on to a future event for just the first five minutes on one of the upcoming ones, and give an intro before I let the real pros take over. This event is called really just what it is, how to scale your portfolio with tenanted cash flowing new construction properties. It's co hosted by Naresh and Adam, who you met last week. I have never seen this before, where the builder is giving you a fat 10% discount after closing, 10% you can use those 10s of 1000s of dollars to buy your rate down into the fours or other things like use it toward a down payment on another property, pair it with DSCR loans and pay no mortgage insurance on either property. You could buy one property or two properties or 18 properties through the event and DSCR loans. You might remember that means no time consuming income verification, no concerns about your debt to income ratio or W twos or tax returns. We'll show you how to do it all. Like Naresh was saying, we eat our own cooking. We ourselves. Here at GRE are investors too, and we are buying new build for our own personal portfolios. The time is right for this. It wasn't a few years ago, and a few years from now, it probably won't be either. Hundreds are already signed up for it. It is this Thursday, at 8pm Eastern. It's GRE, last event of the year. This is it one last time attend by signing up at grewebinars.com that's grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  46:59   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. You   Keith Weinhold  47:27   The preceding program was brought to you by your home for wealth building, get richeducation.com  

In this eye-opening episode of Dental Drill Bits, Dana and Sandy Pardue tackle a topic few talk about openly — why some dentists genuinely love their profession while others can't wait to get out. Drawing from Sandy's experience consulting with over 600 dental practices, they reveal the defining difference: the dentists who thrive understand business and leadership, not just clinical care. Together, they unpack why mastering people skills, systems, and practice management can transform dentistry from stressful to deeply fulfilling. From learning how to manage money and motivate your team to leading with gratitude and balance, this episode is packed with mindset shifts to help you fall back in love with dentistry. If you've ever thought, "I hate being a dentist," this episode will remind you—it's not the dentistry, it's the missing business tools. You can learn those. You can take control. And you can love your work again. Key Takeaways Business knowledge is the bridge between burnout and balance. Leadership and communication skills create calm, confident teams. Systems bring structure, and structure brings freedom. Appreciation and consistency are stronger than pay raises. Detachment and compassion prevent emotional exhaustion. A strong leader defines vision, sets expectations, and celebrates wins. You can't buy culture—you build it through trust and gratitude. Reignite your love for dentistry by investing in your people and yourself.

Parade of Techniques: 1. Do the assignments from Business Breakthrough WITH your team 2. How to hold a self-liquidating Client Appreciation Event Ask The Experts: 1. My #1 goal is to handle the co-broke's client calling me, and decide whether to add the to my contacts list. 2. A family member wants to join my team. What should I do to get them started on the right track without detracting from my production? *** Life-Changing Learning Experiences for Real Estate Professionals floydwickman.com info@floydwickman.com (734) 637-4030 MINI-COURSE AVAILABLE: Break the Script: A Listing Bootcamp that Gets Results www.floydwickman.com/break-the-script We teach real estate agents essential selling skills to be successful in any market. Start today with the Digital Floyd Wickman Course: www.floydwickman.com/digital-floyd-wickman-course Or try our signature coaching program for real estate agents or managers called R Squared. In addition to problem-solving and skill building, our clients get accountability and tracking -- to build and then keep their momentum.

Parent teacher conferences. Voting in local elections. GTA VI delayed again. Jim Downey appreciation. Support our sponsors: FitBod.me/ROSS for 25% OFF your subscription OR try the app FREE for 7 days! Exclusive ad-free episodes weekly on Patreon.com/RossBolenPodcast Subscribe on YouTube: YouTube.com/@TheRossBolenPodcast Presented by Bolen Media: BolenMedia.com

Written by Simon ChadwickCome and follow more adventures on our animated TV show on Youtube!

On Mission Matters, Adam Torres interviews Dr. Paul White, Founder of Appreciation at Work and co-author of the best-selling book The 5 Languages of Appreciation in the Workplace, about building stronger teams through authentic appreciation. Drawing from insights in his book, Dr. White shares how small, meaningful actions can dramatically improve engagement, trust, and morale—from startups to Fortune 500s. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: https://missionmatters.lpages.co/podcastguest/ Visit our website: https://missionmatters.com/ More FREE content from Mission Matters here: https://linktr.ee/missionmattersmedia Learn more about your ad choices. Visit podcastchoices.com/adchoices

Gratitude! Thanks!! Appreciation!!! My constant wish for you is always to be enveloped by peace, love, understanding, kindness, compassion, and empathy. May you SHARE those traits with those around you, too. The Music Authority Podcast... download, listen, share, repeat… heard daily on Belter Radio, Podchaser, Deezer, Amazon Music, Audible, Listen Notes, Mixcloud, Player FM, Tune In, Podcast Addict, Cast Box, Radio Public, Pocket Cast, APPLE iTunes, and direct for the source distribution site: *Podcast - https://themusicauthority.transistor.fm/  AND NOW there is a website! TheMusicAuthority.comThe Music Authority Podcast! Special Recorded Network Shows, too! Different than my daily show! Seeing that I'm gone from FB now…Follow me on “X” Jim Prell@TMusicAuthority*The Music Authority on @BelterRadio Monday, Tuesday, Thursday, Friday 7 pm ET & Wednesday 9 pm ET*Radio Candy Radio Monday Wednesday, & Friday 7PM ET, 4PM PT*Rockin' The KOR Tuesday, Wednesday, and Thursday at 7PM UK time, 2PM ET, 11AM PT  www.koradio.rocks*Pop Radio UK Friday, Saturday, & Sunday 6PM UK, 1PM ET, 10AM PT! *The Sole Of Indie https://soleofindie.rocks/ Monday Through Friday 6-7PM EST!*AltPhillie.Rocks Sunday, Thursday, & Saturday At 11:00AM ET!November 7, 2025, Friday, may you have the weekend you deserve…@The Big Believe - Girl With Cassettes@And How - Less Inclined [The Co-Op Communique Volume Two]@The Laissez Fairs - Soul Motion [Summer School Sampler 2025] (@Rum Bar Records)@Kevin Fisher - You Give Me Stars [Pop Rocks]@The Masticators - Your Imagination [Complete Masticators!] (@Futureman Records)@Gyasi - Snake City [Here Comes The Good Part]@The Weeklings - I Got The Love [3] (@Jem Records)@Rogers & Butler - Olde Store Fronts [Poets & Sinners] (@Zip Records)@The Moons - How Long@Whimsical - Feather [Melt]@The Nomadic - First Light@ANC4 - You Can Call Me Darling [ANC4] (@Beluga Records)@Haim - Up From A Dream [Women In Music Part III]@The Kite Collectors - You [Never Look Down]@Jeremy Morris - Takin' Me Back [Brighter Day] (jamrecordings.com)@Nick Piunti & The Complicated Men - Heart Inside Your Head [Heart Inside Your Head] (@Jem Records)@Vanilla - Adeus [66] (@Charlatan Record Cartel)@Side Play – Faith And Kindness

Don't fret. The guys are back and well-rested after the bye week and ready to provide some sports information on the latest episode of, well, Sports Information.Topics include: Alabama week, Frank Wilson as interim, crossover season in the communications office and College Sports Communicators Appreciation Week. Make sure to give your favorite SID a hug today – and every day!

Hedrun Metzler, the author of the German Heritage Baking Cookbook joins Maria to talk about the connecting power of baking, as well as the importance of passing down memories and recipes through the generations.Enter, "The Maria Liberati Show," based on her travels, as well as her Gourmand World Award-winning book series, "The Basic Art of Italian Cooking," and "The Basic Art of..." Find out more on https://www.marialiberati.com-----music: "First Day of Spring" by David Hilowitz - available via Creative Commons Attribution-ShareAlike 4.0 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://creativecommns.org/licenses/by-sa/⁠⁠⁠⁠⁠⁠⁠⁠

(0:00-12:29) A tush push prop & K&S Re-Rack, is Sirianni getting enough credit?(12:29-18:50) Nick Sirianni's record in the NFC is unmatched among NFC coaches(18:50-35:19) John wants something removed from the Linc & Temple Men's basketball Head Coach Adam Fisher joins the show(35:19-43:15) Tragic news for a Cowboys player & previewing Thursday Night FootballPlease note: Timecodes may shift by a few minutes due to inserted ads. Because of copyright restrictions, portions—or entire segments—may not be included in the podcast.For the latest updates, visit the show page Kincade & Salciunas on 975thefanatic.com. Follow 97.5 The Fanatic on Twitter, Facebook, and Instagram. Watch our shows on YouTube, and subscribe to stay up-to-date with all the best moments from Philly's home for sports!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In our fast-paced society, we're trapped in an endless cycle of tasks, worries, and responsibilities that keep our minds in perpetual fight-or-flight mode. Our brains are naturally designed to scan for danger - a survival mechanism that once protected us from real threats but now registers everything from difficult emails to traffic jams as danger, creating constant stress and anxiety. Medical research reveals that gratitude isn't just a pleasant sentiment but actual therapeutic medicine for our minds and bodies. Studies show that practicing gratitude enhances emotional regulation, builds stress resilience, improves social connections, boosts immunity, reduces chronic pain, and improves sleep quality. It's remarkable that when God commands us over 200 times in Scripture to be grateful, He's not just seeking what He deserves but giving us instructions for optimal functioning since He designed our bodies and minds. The danger comes when we forget God's goodness and begin worshiping created things instead of the Creator - whether through workaholism, materialism, or self-reliance. These become hard taskmasters that are never satisfied and ultimately harmful to our wellbeing. The solution lies in the four A's of gratitude: Attention (deliberately focusing on daily blessings), Acknowledgment (recognizing that blessings come from God and others), Appreciation (truly feeling grateful rather than just thinking about it), and Action (expressing gratitude relationally through prayer, worship, or service). When we practice these steps daily, we break free from life's exhausting race and find genuine peace grounded in the reality of God's faithfulness.

Christian College Sex Comedy: Part 27 Appreciation? In 30 parts, By FinalStand. Listen to the podcast at Explicit Novels.             Children must face the scrutiny of their parents     The Dining Hall was almost a relief. That relief died the moment I saw the banner over the front of the serving area in the Hall. 'Zane Appreciation Day'. Since every word was spelled correctly, it wasn't some stunt of Rio's, but beyond that, the list of suspects was too large to consider. This could be a genuine outpouring of acceptance and sympathy for what I had endured here. If you believe that, I have to ask you: 'Do you want your leprechaun pissing Guinness or Irish Malt?'   Most likely, this was going to be some sort of humiliation, and I think I knew the flavor, and I definitely knew how to find out. See, in every seat of the Dining Hall was a big, bowling ball sized white box with a name and secured with a gold and green ribbon, so no cheating; no peeking. That last bit didn't deter me, though. I snuck up on the box marked for Holiday Carpenter.   "Zane, does that have your name on it?" Virginia Goodswell asked me, my English teacher and Spiritual Advisor. Hell, if it had been Mrs. Marlowe, I would have opened it anyway, but Virginia was my buddy so her next question didn't mean to stab a stake of regret through my heart. "Where is Vivian?"   "I left my room before she was done." I looked to the ground while I kicked some imaginary dust off the slate floor.   "Why don't you see if she's been calling you?" she suggested. "She's probably worried." Worried, or homicidal because, ya know, I had sort of run off without my phone, wallet, watch, book bag, or anything else a 21st century student might need.   "I ran away like a big, fat chicken," I confessed. "Anything not glued to my body I left behind."   "I'll give her a call." She pulled out her phone and hit speed dial #2. I crap since her sick mother is probably #1. I am such a big problem for her, she has my guardian on speed dial! "That is Holiday Carpenter's box, Zane, not yours. Besides, there are strict instructions to not open the boxes until instructed."   The panicky response I overheard from Virginia's conversation with Vivian hardly helped my mood. She wanted to know if Virginia knew where I was, she did; that I was okay, I was; and finally, what upset me, because the other girls weren't talking but apparently Mercy had started slapping Barbie Lynn around until Rio and Val pulled her off. Now, that made less than no sense. Wasn't that supposed to work the other way around?   Virginia did a double check and sure enough, Mercy had slammed Barbie Lynn into an open wardrobe on my behalf, and Rio and Val had pulled her back. WTF! I am sure that Rio was right beside me on that one. Vivian triple checked that I was physically and mentally okay and she sounded so disappointed, in herself, as she did so. She was bringing my stuff; yes, I am an earthworm. Virginia promised for me that I would remain here until she arrived.   Some stupid gesture like a loud public apology, done on bended knee, was blatantly unfair to Vivian, who only meant the best for me. I made a quick apology, not trying to meet her eyes as I said the words and took my stuff. All of 'my' girls seemed equally subdued. A minute after we had garnered our victuals, Vivian put a hand on my elbow.   "Don't be so hard on yourself, Zane," Vivian smiled warmly at me. "You take a lot of stress and pressure on yourself. I understand that from time to time you need to take in a tiny bit of private space for yourself. Clearly, you can't schedule any such time because nothing around you stays a secret for very long and no one respects your privacy or even asks what you need."   "Vivian," I was puzzled, "you deserve to be righteously pissed with me. You are my Guardian and I promised to stay by you or at least tell you where I was."   "Zane, we let you down," Vivian assured me. "It is your dorm room and we are your guests, and we have been rather poor guests at that."   "How about we call a truce?" I offer.   "I can live with that," Vivian smiled.   "Cut the Kumbaya-time, kids," Rio snorted derisively. "Zane, what the fuck happened with Mercy?" Rio playfully punched Mercy's arm to emphasize her uncertainty.   "Rio, Bro, drop it," I asked sincerely. "Act like it didn't happen." Rio studied me a second, then got this wickedly evil grin.   "What the hell are you talking about, Glenda?" she hefted the box up then shook it. "It seems my damn box is glued shut. Are we celebrating one thousand cunts licked by you, or what?"   Because Rio rarely expounded at a level below full volume, next thing we hear is Mrs. Marlow snapping, "Ms. Talon, watch your language; there are good Christian women being forced to sit within the sound of your voice!"   "Gotcha, Ms. Mouthful," Rio snapped off with a snap and a finger raised up like a pistol in the air.   "What did you say?" Marlowe closed the distance.   "She was repeating what I pointed out," I turned and smiled. "I said that you really had it going together this morning; that you were more than a mouthful. That's a hip/trending term to describe someone who is expressing themselves through clothing and make-up."   "You are lying, Mr. Braxton," she snarled.   "You are probably right, as I do so to you on general principle, but good luck proving it in student court," I grinned right back. We locked wills and she blinked first.   "Ms. Phillips," Marlowe turned on Vivian, "what are you going to do about this?"   "Zane and Rio, would you please apologize for being rude and insensitive to an educator who only wishes the best for the student body?" Vivian requested.   "I so apologize," I bowed my head.   "I so apologize as well," Rio tacked on. Only after Marlowe had gone to spread love and sunshine somewhere else did Rio lean across me and whisper to Vivian.   "You rock!" Rio giggled gleefully. After all, Rio and I had not apologized to Mrs. Marlowe because neither one of us believed for a minute that she was 'an educator who only wishes the best for the student body'. To that nameless entity, we owed a debt, and to Mrs. Marlow we owed a generous 'fuck you,' and Vivian had made it all possible.   "Why, thank you, Rio," Vivian nodded her acceptance of Rio's praise. "Jesus is the Peacemaker and we all should attempt to emulate his teachings."   "So, I still don't get to lick you senseless?" Rio snickered.   "No, no, you don't," Vivian smiled, even though she didn't look at either of us. Vivian's going to rock as a mom.   The next half hour passed quietly. Everyone was curious about the boxes but no one was too worried until a rumor suddenly appeared. When it was suggested that they might have to put on bikinis, the fear set in. I blamed, I don't know but I wish I had thought of it. I was still kicking myself for the missed opportunity when my alien with the right face black and left face white shows up with the right face white and left face black, Mhain and Millicent.   "Death Match and you get to referee," Rio teased me. "I'm so jealous; 500 bucks on the one with the soul." Mhain glared hate at us while Millicent looked more than amused.   "Zane, come with us," Mhain gloated. I figured that somehow my ordeal was coming to an end so I'd play along. I rose and they steered me to the largest exit, flanking me.   Christina and Company grabbed their boxes and jumped up quickly to follow me, though they looked as confused as I was, confirming none of them were the architect of my discomfort. No sooner had we stepped into the cool, sunlit lawn than everyone's phone rang, except mine. I was loving this, right up there with having sandpaper buffing my sunburned abs.   "Open the box and follow the instructions," Christina informed me. "Is anyone going to do this?" My phone vibrated once, then my whole body tingled before I could respond to the call.   "I am," Mhain gloated. "I was promised something." She knelt and opened her box with enthusiasm; the others did likewise but at a more sedate pace.   What came out of each box was almost identical, different only in the anatomical part of the body indicated by the instructions. The objects were all grapefruit-sized fur-balls that made darling little squeaks, squeals and murmurs, amongst other sympathetic noises, all in tiny little voices. They were to be placed on my body, but I didn't know how that would work.   "Are we going to do this?" Chastity began to say.   "It isn't sticky," Hope was also saying when Mhain's flew out of her hand and hit the side of my left knee. She reached out carefully to retrieve hers while the other girls circled in. The little darlings were proving to be resilient little bastards. Several more leapt at me from the hands of their owners.   All this time the furry grapefruit were giving little 'wee!' noises when they shot at me and screeched like demons when they were removed, which was painful when they were on my flesh. I knew who was responsible and she was going to pay, but not right now. I saw my closest allies pulling back.   "TLM, Christina," I sighed in resignation. "Let's get this over with." I was being totally self-sacrificial; girls were starting to pile-up on us coming out of the Dining Hall. I didn't want a riot. Mhain had technically tagged me first but not in the designated spot, so I had Christina go first, she put one over my heart, not that I thought Cordelia was stupid, but now she was just piling it on.   Mhain went next and she was sizzling and excited, she put it on my lips, shutting me up. At least the girls were polite and organized enough to come at me patiently. A few didn't get the 'memo' and their little rug rats slipped out of their owner's grasp and got to play gleeful kamikaze as they plowed into me.   It didn't hurt but I had this secret fear that the tiny terrors would sprout fangs and tear into me. These little guys were murmuring and mumbling and it wasn't until I was truly buried that a horrific realization was made, the more that were on me, the greater their clinging power. In retrospect, this would have been more useful if we hadn't passed the 700 mark.   I looked like a puffy, overweight, Sasquatch baby. I could move but sitting down was a dream, as was running or going to the bathroom. The damn things wouldn't shut up either. It fell to Hope and Iona to hurry me (as much as possible) to Assembly; you know that place where I 'sit' in front. At least no one could ask me anything with the expectation of receiving an answer.   I no longer wondered how bad it could get; I knew it would get worse, and while I didn't know how, I knew it would be soon. At the start of Assembly my little friends joined in the singing, not using words but in the tinny little noises they made, though admittedly they were enthusiastic and determined. But it gets worse.   There was a discussion on stage after that fiasco about removing me. Chancellor Bazz wanted me gone; Vice Chancellor Scarlett was not in attendance but Virginia took up my cause. After all, it wasn't my fault, she claimed.   "Well, Black, do something," the first three rows heard Bazz demand of our Head of Security.   "I am not an engineer or a chemist," Black replied. "Do you want me to shoot them off him?"   Oh, yeah, my girl Bazz wanted that, so bad. Of course, what she really wanted was for Black to miss, but that wasn't going to happen. Finally, the teachers decided to soldier on. When Chancellor Bazz stepped up to begin services, the frightening fur-balls belted out 'Hail to the Chief.'   No one said a word, not a murmur. Chancellor Bazz stopped and the munchkin chorus stopped too. Two more starts later and she gave up and grudgingly took the 'praise' from my infestation. They were good throughout the message and sermon but took up 'Hail to the Chief' when she tried to leave the podium.   "Do something!" she screamed at Black. This time, Gabrielle sedately headed my way. I didn't want to think of the pain coming my way. My little buddies had my back. When she got within five feet the all screamed, and I mean SCREAMED, in the loudest cacophony most of us present had ever heard. I saw something I thought I would never see; Gabrielle flinched.   Not so oddly, I was fine, hearing almost nothing. The little guys on my ears soaked up the sound so I received a very watered-down version of what they were doing. Gabrielle fell back and at the five foot mark, the little guys shut up, mostly. They seemed to be making comforting noises to one another, like one Zane-sized colony of brown mold.   "Get away from him; just get away from him," good old Doctor Melrose Bazz pleaded as she moved her hands away from her ears. "Braxton, you stop this right now." I had a wee beastie on my mouth and Bazz was not on the small list of people I would devour this thing for. If she's looking for a conversation today, she's out of luck. She throws her hands up in desperation and starts to storm off. My little cock-sucking furry gonads (yes, I was getting angry) fired up 'Hail to the Chief' yet again, and kept at it until she sat down. Virginia got to thinking it's appropriate to call for the end of this travesty but she's dealing with Cordelia Dresden, Top Gun of the Time Lord Mafia. The weapon of choice; 'She's a Lady' by some guy named Tom Jones, the ladies in my life will inform me about this later.   For a half a second she tries to fight her smile but she surrenders, even letting the little guys go through the entire score before talking. The little tinny voices were humming a song I didn't know but damn it, it made me want to take Virginia out to a smoky Jazz club and dance until the sun came up. Virginia actually started tapping her foot to rhythm and I began thinking I might not be able to beat Cordelia. I'm not used to that sensation.   "Okay, now, whoever is doing this has put Zane through enough and should remember that we should, as Christians, make students feel safe and not make them subjects of humiliation," Virginia addressed the student body. "I think we can end Assembly fifteen minutes early today for a little bit of Christian charity. We can do it at Zane's first class, 204 Denning Hall."   By the way, I apparently have a play list. As Virginia headed back, the fella's changed it up with 'Baby Got Back'. I wanted to die. Virginia Goodswell has a truly fine ass, of this there is no doubt, I often compare it to Barbie Lynn's, but please. Virginia stopped, turned toward me with a dazzling smile and waggled her finger at me, then resumed her way to her seat.   How is any of this my fault? I imagine I was lucky it wasn't the Thong Song. I would have died, then come back as the undead to take Cordelia to hell with me. It was with some relief that Vivian and Hope rallied to my side. They had to both keep other students away, the other girls loved poking me in different critters to make them call out in different pitches and tenors, which was pleasant to hear if you liked overdosing on helium.   Surprise, surprise; no one came to my succor before English class. I couldn't sit down. Okay, I tried, but any part of my body that bent or that I sat on screamed bloody murder until I got off of it or stopped putting on the press. I've heard about girlfriends like this but I've always assumed I would have the courage to jump out of a 50 story building to escape.   What do you do if they come with you when you jump besides basking in the vicarious thrill that comes from crushing half of them beneath you before you go? I managed to do okay standing in the rear of the class, only once giving in to the crushing fatigue of holding my arms somewhat elevated for two hours. The two under my arms were especially cooperative and didn't get too vocal when my arms did slip to my sides.   I couldn't do a thing about the occasional girl twisting in her seat but either Raven's glare or Goodswell's cough brought their eyes forward once more. At the end of class, Virginia decided to call Ms. Black and have her take me to the Vice Chancellor's office to end this matter. Vivian and Mercy provided support while Gabrielle kept her distance and cleared a path.   Rio helped out by playing my musical miscreants as if they were a drum set while some part of the 700 members of my new posse and I yelled at her to leave us alone. She really is my best friend. My tragically slow pace was not my friend and everyone had to depart for their classes before I finished the arduous travel to the Administration Building. Gabrielle's eyes measuring you for a casket is a remarkable motivator but didn't stop Rio from blowing a kiss to her "Mi Negro Naughtiness". I know, I know; one day, Rio is just going to vanish without a trace.   "Ms. Reveal, I need an emergency meeting with the Vice Chancellor," Ms. Black requested of Doctor Scarlett's personal assistant. Ms. Reveal didn't miss Gabrielle keeping her distance from me. She did make the call and I noticed the pictures of Ms. Mittens were still in evidence.   "Who are you inside that suit?" Ms. Reveal asked me.   I guess she assumed I wasn't a real baby Sasquatch; I was really a baby Sasquatch disguised as a half-baked marshmallow. If three geeks and a man working beneath his means jump out at me with proton-packs, I am running for my life, which is to say 'I'm going to die.'   "This is Zane. He is not being rude, he can't speak," Ms. Black was kind enough to cover for me.   "Oh, I understand," Ms. Reveal nodded, but in such a way that expressed she didn't understand anything. "You two can go in now," she said several awkward seconds later.   "Zane, you move as close to Ms. Reveal's desk as you can while I get the door for you," Gabrielle instructed me. "Come in when I call for you."   I'm sure Marisol Reveal was curious as to why Gabrielle was dancing around me, trying to keep her distance. We almost made it; right as she made it to the doorway, Doctor Scarlett opened the door and attempted to see what the delay was. She was actually putting an award on a shelf she had just received, the reason she missed Assembly, if you find that suspicious, and was placing it on a shelf near the door.   Gabrielle responded as any slightly unbalanced killer would do; she spun around, pulled out her gun from the unseen Realm of the Gods of War, and pointed it at the stunned Victoria. That took her one half-step too close to me and my little fellas let the world know it. I will give them this much; they were still defending my eardrums.   By the way Marisol was holding her ears as her tears flowed down her face it must have been pure agony for her since I was right next to her. Gabrielle scoped up Victoria and sprinted into her office and they obediently shut up.   "Za-, Zane, what was that?" Marisol blathered. Since the furry meatball gone bad was still on my lips and I hadn't become that hungry, I kept my silence.   "Zane!" Gabrielle called for me. I did my best to shrug but it wasn't like I had a neck anymore so I don't know what she made of my movement. I shuffled to the door and got a few good squeaks as I moved inside. I was more than a little disturbed by the reaction I received from Doctor Scarlett when she saw me from her seat behind her desk. She looked at me and I swear, hand to my heart, she had an orgasm.   "You are covered in Tribbles," she gasped. I had no fucking clue what a Tribble is but apparently, I was in the vast minority. I staggered forward and since Gabrielle was on the right side of the room, I angled to the left. I move halfway around Doctor Scarlett's desk so that Gabrielle could go close the door, where she took up post and, from what happened next engaged a Romulan Cloaking Device, whatever the Muggle-tech that is.   Victoria was in some sort of dream-like trance. When she started stumbling around the desk toward me, I waited for the musical assault that never came. To my credit, I caught on in a second. If these creatures existed, singing wasn't their normal activity, and Cordelia wanted these little 'Squeaky Meals' to be as real as possible, for Victoria. I was nothing but bait.   Victoria reached out to caress the same one Christina had placed over my heart. The little bugger cooed and Victoria clamped her thighs together to contain another orgasm that coursed through her loins. Cool, all I have to do to feel the wonders of Victoria Scarlett is dress myself in furry grapefruit. I'm kicking myself for not seeing this obvious ploy.   She touches more and each makes a subtly different purr of pleasure. This goes on and on until she's cuddled up against me, her arms stroking over my back and rubbing her left leg up and down mine.   "Vice Chancellor, you do realize Zane Braxton is TRAPPED inside those, contraptions," Gabrielle sounds the slightest bit peeved.   The troops all make those little high-pitched notes of longing as Victoria retreats a few steps, bringing Victoria almost to the point where she launches herself back into me to comfort her little friends. I am second fiddle to a discombobulated guinea pig; sometimes a man can feel pretty small.   "Okay. How did this happen to you, Zane?" Victoria asked.   "He cannot talk; one of those Tribbles is attached to his lips," Black stated, "by an unknown force. Before you ask; I am not an engineer or chemist." Victoria made this adorable little 'o' expression, then reached for an offending Tribble.   "It hurts him to remove them," Gabrielle got out just in time.   "Does it hurt the Tribble?" Victoria inquired. Gee, thanks, Vic.   "Hold your ears," Gabrielle commanded. Well, I couldn't comply, and Victoria had only started to scream 'stop' when Gabrielle materialized a knife and speared 'Diddley-boo' off my shoulder.   I heard the little guy's death wail, then his death rattle, as Gabrielle pulled him/her away until she was out of screaming range. Diddley-boo? No, I have no idea what his/her name really was but I'm going to have ICE check his immigration status when all of this is over, wait, I can't do that; Gabrielle wacked the little snot and giving her up to the Feds is a great way to create many widows and orphans. Diddley-boo was still twitching erratically while Victoria was stuck between ecstasy and horror.   "You are a Klingon agent!" Victoria gasped as she pointed an accusatory finger at Gabrielle. I am vaguely aware that they are the stock-villains of Star Trek Universe and this odd snapshot of rightly tight, athletic buns in tighter pants, but the reference memory for the scene escapes me. By the facial reaction Gabrielle gives, Victoria just called candy sweet, or jalapenos hot; she appreciates the comparison.   All the surviving members of the Tribble tribe wept a cacophony of pain and loss. I would have had more sympathy if their moans had not been vibrating my body like a jello mold.   "Romulan," Gabrielle countered; the other stock Trekkie villains, but they have better teeth. First amongst our Honored Dead, DB hardly quivers as Ms. Black dissects it.   It bleeds/oozes and appears to be a living organism of some kind, but Gabrielle points to several electronic devices, a CPU, and wires connecting all kinds of things inside the organic body.   "It is an organic husk over a sensory/auditory device," Gabrielle tried to explain.   "Oh, my God," Victoria's mind worked feverish to defy reality, "they've been turned into Borgs."   She tore the one attached to my lips off. I didn't cry like a televangelist publicly begging God for forgiveness for a moment, or 147 moments, of weakness with a rather sad-looking prostitute, but that was coming.   You see, Victoria gripped her weeping diminutive fuzzy engine of humiliation tightly when she yanked it off, so she let go of it because the little blighter sounded hurt.   It gave off a more muted and mournful 'wee' as it smacked into the corner of my mouth. I was able to dodge a direct hit.   "Scarlett," Gabrielle seethed, "if, you, would, listen, for, a, moment; they are painful to be removed from his flesh and they will attempt to reattach themselves to him if they are brought within one foot. I have no idea why."   "Zane, are you in much pain?" Doctor Scarlett inquired while scanning my body fungi.   "Yes, but I'm sure if you kick me in the nuts, I'll feel better," I mumbled through a joke.   "I can't do that," Victoria gasped. "You have Tribbles down there." Yes, I feel special.   "That's it," Gabrielle snapped. "I'm going to get help." She spun around and breezed out the door, slamming it in her wake.   "Thanks for abandoning me, Gabby," I shouted as loud as I was able. "It's not like Vic's totally lost her mind or anything like that."   "I have not lost my mind," Victoria responded with a deceptively calm, soothing tone. She reinforced my calm by locking the door, then locking in the deadbolt, yes, I felt much safer.   My merry band of orphan coconuts helped things along the cliffs of sanity by cooing and 'talking' to Victoria as she walked around the office, and she gaily responded to them.   "Ms. Reveal, this is going to be a difficult intervention. Inform me when lunch time gets here," Victoria communicated to her assistant, then added, "I need a box of outdoor trash bags; leave them at the door."   Having a hot lady like Victoria Scarlett lock the door and asking for almost 3 hours of 'alone' time with me is a mature pipe dream of mine, and that dream really meets a bloody end when she asks for roughly 30 bags with a fifty-gallon capacity each. If she pulls out a hacksaw or a 'cow-stunner,' I'm racing for the window behind the Doc's desk. I'll be gone in 90 seconds, sort of like an inexpensive microwave dinner.   Doctor Scarlett returned to her desk, turned her spy-cam around, and started making calls. I honestly maintained a miniscule hope that she might still help me. She was talking curtly to another doctor whose name I didn't recognize. What came out of her mouth next sounded like a combination of eating raw meat all your life and gargling with sand regularly; add to that an inflection of someone wanting to kick elementary kids into the paths of oncoming busses and you had the language she was using.   Victoria's stance even changed. She thrust out her chest, put her hands on her hips, and a predatory sneer took up permanent residency on her lips. She even beat on her desk hard during this little exchange before laughing in a way that made kittens piss on themselves before you hung them.   "Vice Chancellor, Doctor Victoria Scarlett, umm, what's going on?" I said careful.   I'm not so much terrified of Victoria at this point, as I am suspicious of my ability to fight at the moment.   "Everything is fine, Zane," Victoria assured me. "In essence, I am bringing in some experts in the field. You can trust me on this; we've been expecting contact like this for years." Huh?   "So, ah, that was an Albanian Biologist?" I hoped.   "No, that was Vor' Dura, Flight Leader of the Blood Quasar Fleet of the Klingon Empire," Victoria explained sedately, in the same way any SANE individual described a Navy Commander. She turned her computer screen so I could see the person's profile pic.   "How does she breathe in that thing?" I wondered. "That's one hell of a corset."   "That isn't a corset, Zane, its body armor. My suit was created by the same armorer," she stated.   "You have something like that?" I boggled.   "Yes, the precise same suit. Vor' Dura is not as blessed by her bloodlines, she's shorter, but otherwise, we are identical; our alliance ended recently and soon she must face me in ritual combat; yield or die." 'Yield or die' isn't what is centermost in my mind.   "Don't your boobs ever pop out of that thing?" Because if you have been paying any attention; I am an idiot where sex is even a remote possibility. Victoria can't meet my gaze but turns as red as her namesake.   "On a few occasions," she confessed. I'm thinking 'a few'. "Now I have a few more calls to make."   Yes, she's lost her ever-loving mind, and I have no reasonable expectation of exit or rescue. I won't be able to get up enough speed to bust out of the window so being on the first floor is meaningless. She has the deadbolt key and when I stack up my Tribbles against her Science Fiction fanaticism, I lose. She turns the monitor around and makes her next call. This one starts with the victory salute, but the one done with two fingers to each side.   "Excellent news," Vicky declares. "We have confirmation of the temporal events from Deep Space Nine. I have compelling data that I have encountered genetic derivatives of the dominant herbivorous life forms of Iota Geminorum IV." And everything went to turkey-based insanity after that. Again, they spoke rapidly in a language I knew nothing about. They acted like giddy little schoolgirls, just schoolgirls with their emotions surgically removed.   The final call went much same way except that this time, the tone of the language was like the second but with the taint of a sleazy pimp or grifter thinking she was a mob boss. These were the kinds of girls you never let babysit your kids if you ever wanted to see them again. The way Vic looked at me and the fellas made me worry about how long I could last in her brothel and inspired an unexpected sympathy for these pests.   "Zane, do you promise to stay here while I, umm, get some, umm outfits?" Victoria requests respectfully. She realizes she's asking me a bizarre favor. Balthazar's Balls, I've been tied to a cross; how much worse can this be? She scoots up to me, kisses me chastely on the lips and waits.   "It is a given that my morning class schedule is toast, and I'm no stranger to the entertainment industry so knock yourself out," I allow, but I will have to pee at some time."   "Check; I'll stop by the infirmary and get a catheter," she nods, then she kisses me lightly on the lips once more. "Thank you for this, Zane."   She's off like a shot but is careful enough to get the deadbolt on the way out. Since I doubt Ms. Reveal can get a fire-axe through the door if the building catches fire, my buddies and I really are going to experience total protonic reversal on a life-ending scale. Only now does it occur to me that these fuzzy navels might have toxic side effects.   I'm waiting around for God-knows how long when I hear some muffled noises, more muffled than having a Tribble in my ear.   Scratch, scratch, "Girl, you get away from that door," Ms. Reveal shouted (I guess).   "Quick, Mercy, hold her back," Rio shouted in response. "This deadbolt is a bitch."   A scuffle ensued and I tried to shout loud enough to call Rio off when I heard two rapid-fire thumps.   "Thank you, Ms. Black," Marisol Reveal huffed. Mercy had put up quite a fight, I guessed. "I will formally press charges when the Vice Chancellor returns."   "You will go and sit your ass behind your desk, you incompetent buffoon," Black snapped. "I will deal with this and if you bother me again today, or mention this incident to Scarlett, I swear you will never see your cat again; and if you don't hop-to in the next six seconds, I'll make an audio recording of me strangling that shit-dumper and play it by your bedroom window every night until you go mad. Do I make myself clear?"   "Ugh," is all I make out, but I hear Marisol's chair squeak soon after. The sound of a body, or bodies, being drug off faded away as Black left the office and headed down the hall. Hell, I warned Marisol. I can't do anything for Rio right now and I don't have too long to ruminate.   "Marisol, are you okay?" I hear Victoria ask her assistant. It is a testament to their bond that even the hysterical Doctor doesn't miss her friend's distress.   "Sorry, Victoria, I'm a bit, umm, heart-sick is all," Marisol murmurs. "Don't you worry about it."   "Well, when you want to talk about it, let me know," Victoria stated. Marisol must have nodded because no words were spoken and Victoria came in with two carry-on bags and three dress bags while kicking the trash bag box ahead of her. Happy fun time was about to begin.   "Sorry for the wait, Zane," Victoria told me.   "Doctor," I made a desperate Hail Mary plea for reason, "you are a highly respected educator. We really need to take a step back and re-examine what's going on here."   "Zane, this is my first teaching job ever," she related as she checked on the progress of her 'Trekkie' Posse.   "My doctorate is in Philosophy; my Master's Degrees are in Comparative Religions and Women's Studies," she informed me. "All my graduate work was done as a researcher. I've never had a student." I blink dumbly at her; and here I thought my opinion of the Board of Directors couldn't get worse.   Victoria goes over the language dance with her friends, switching fluidly from tongue to tongue in a manner that impresses and even fascinates me; and I've been to Bangkok where if you are trying to buy and/or sell anything and don't speak at least ten different languages or dialects, you might as well hand them your wallet or purse and go home. "Who do we need?" Vic said in English (just making sure everyone knows that the Tribbles aren't suddenly translating for me).   "Kar'Thon," Vor' Dura states eagerly; "This matter is a racial imperative."   "Are you sure the young man is old enough?" The second woman inquired. "Jarrod went all obsessive last time a boy crossed our path. We almost sent the kid to college."   "That's what you get for marrying a Ferengi," Dura snidely remarked, and the rest laughed along with it; meanwhile, I'm going 'a what?'   Some infighting goes on until Victoria and 'I married a Ferengi' call for peace, then babble a little more. Then the name 'Zane Braxton' comes up and I'm not sure I'm happy or sad that only one of them replies in what was clearly elation and surprise, the sleazy one knows of me.   "Zane, I need to surgically remove some of the alien organisms," Victoria tells me.   "It is going to sting like hell," I mutter, to which Vor' Dura says something and sleazy girl laughs. I do not like where this is going at all. On the bright side, Victoria doesn't rip one off of me right away; she goes over to one of the dress bags and opens it up.   She's pulling out bondage gear, oops, my bad; she's getting ready to put on Klingon body armor. I have lost all preconceptions of what I was dealing with once Scarlett began stripping in front of me. She even gave me an appreciative smile and I was the one who was doing the appreciating! The little fuckers started going off. Remember, they don't like being moved and I was moving some around at the moment.   No, my legs and arms were perfectly still but my crotch was striking up a chorus, its Handel's Messiah. There was this 'still' moment where Victoria stopped opening her blouse and the three strangers regarding me through the webcam became mute; then the laughter began. Victoria resumed her stripping but she couldn't stop smiling and snickering slightly.   The three, the Klingon uber-cook or whatever she was and her two unknown accomplices, were laughing so hard they could barely communicate. It got better; when I was fully aroused and stopped moving around my pants, they didn't shut up and I was suddenly, desperately searching my mind to know how long that song was.   This was because Vic got down to her, Oh, fuck, this white thong, and calling it white is generous as it looks like someone stole an under-achieving spider's web and gently placed it over her crotch, and I know my hard-on was not going anywhere but into something before it went away.   Victoria was working her make-up on when two of the voices got themselves together enough to ask something. Vic looked up at the web-cam, over to me, then said a few sentences.   "So, which one of you likes your ankles placed behind your ears?" I politely asked in Thai.   "What was that, Brax' Zane?" Victoria asked.   "I'm curious if I can take your virginity with my tongue?" I continued in Thai.   "I cannot understand you," Victoria said again. "What are, ah, "   "I think we should engage the Federation citizen in the Galactic Basic," the second voice requested of the room. The third voice, the sleaze, said one more then in her native tongue, then the second voice, and Victoria jumped on her.   "I said, 'I think the native is getting restless'," sleazy girl grudgingly repeated. "Now, I think we should see if our plan 1.0 can be implemented."   "Before the scourges make themselves hoarse shrilling out the hellish noise or I lose patience, transport over there, and kill them myself," Dura growled playfully. I'm glad someone else was having fun. Victoria walked up and took a deep breath, which caused her well-disciplined, thirty-ish breasts to bounce tantalizingly close. Her look was desperately fearful yet almost childlike too.   "Kar'Thon, I desperately require your assistance before these creatures drive me mad," I tried to sound masculine yet pleading. On the computer screen, Dura quickly slammed her right fist to her right shoulder; I was later to learn that was a salute.   "This is no way for a Starfleet cadet to die," Victoria beamed at me, "even if I know I must someday slaughter you in battle." Whoa, I've never considered NASA as a career choice.   Maybe Klingon bondage gear/standard uniform could change my mind. The first person to tell me university life is boring I will punt to the Moon.   "I am T'Luminareth of the Vulcan Science Academy and Reserve member of the Starfleet Exploration Corps here," the second voice spoke up. I caught sight of a picture of her with this, troll? Or maybe a dwarf with the worst case of cauliflower ear ever. "I would like to assure you that every logical effort is being put forth on your behalf."   "Is that right, Tight Luminescence? Is it going to kill you to show a fellow sentient an ounce of compassion when you know he is about to suffer a fatal toxic shock from prolonged exposure to these vermin?" the third girl snarkily interjected into the conversation. "I'm Hical Cretak, Romulan freebooter and purveyor of ancient, exotic, and misunderstood goods."   "You are a thief, and since you aren't in some asteroid prison, you must be an above average one," I said to the Romulan. "I confess that I am a bit happier to see a member of the Vulcan Science Academy since, well, I'm suffering a splintered memory. Some things make perfect sense but large details are simply missing." I figured I could provide Victoria some good game.   She began rubbing my crotch and there was an effect alright, two in fact. The simple and expectant one was my trouser titan trying to unchain itself so it could get revenge on all of Victoria's orifices for taunting him so. My torturous tiny titmice began belting 'Let's get it on' by Marvin Gaye. I think as an infant, I had a mobile playing this song in my crib.   I started to really admire T'Luminareth's acting ability because she alone kept it together. Victoria made larger and larger circles over my crotch up to my beltline while Dura and Hical lost it hysterically.   "Pssst," I murmured to Victoria. She looked at me and I darted my eyes toward her makeup kit and clothes. I am getting more clothes on her, why?   Besides, I'd gotten a better look at her suit and it didn't have a butt-zipper that said 'Come Get Some,' but those pants rolled down like a candy wrapper and that 'body armor' has a back flap. I'd have to get Rio a set and I doubted Victoria would deny me her armorer's number. I was definitely looking into getting Mercy a matching Orion Slave Girl outfit, and here people don't think I make constructive use of my time.   I was sure Victoria/Kar'Thon was breaking speed records to get herself ready while the other ladies began talking to me about a whole universe that was brand new to me. Getting three different and very conflicting versions of the rise of the Human-dominated Federation of Planets was amusing.   Out of the blue, T'Luminareth decided she was going to create a team to rapidly move to my planet and take me back for further study. Vor' Dora countered that and Hical gleefully sought out salvage rights for the wreckage of the two expeditions.   "That might not be possible," I intervened. "Some of what you've told me has fused some memories together." They all fell silent.   "At Starfleet Academy, an Engineering Team and a select group of cadets," I continued to fantasize, "were directed to work on a, phased ionic drive." Ion drive was 'old' tech, or so Hical had let slip. "The drive failed catastrophically and we couldn't save the impulse drive, power was failing, we couldn't transport. The phased ionic drive detonated in the planet's atmosphere, creating a trans-harmonic disruption. I don't know if there were other survivors of our vessel. I saw another vessel either investigating our explosion or attempting a rescue but they burned up on their approach," I looked pained. "I don't think I could communicate with them and the only survivor I could locate was Kar'Thon."   "Only a combination of our two vessels' technology has been able to punch a hole through the disruption and I'm not sure how long this effect will last." I now sounded grim but determined. "We probably need three things: We need to know if there were any special modifications to the Klingon Scout vessel because I don't think it was a standard model to get so close to an experimental Federation vessel."   "Secondly, someone needs to pry out of Starfleet the precise specifications of that vessel, and that's definitely not me," I confessed. "Finally, we need to find a way to fuse those two designs together because if Tribbles are already being affected by an increased magnetic field, how much longer do we have before even the planet's magnetic field collapses totally and we fry (a SciFi movie plot, thank you)."   Once more, there was silence and I was afraid I'd stepped way beyond my bounds. Only when I took in the masked facial expressions of Kar'Thon did I realize I'd done well. I was hit with the realization I was a word and a whisper away from having sex with her, she was so pleased with me.   "I have friends at Starfleet Academy and they might be able to shed a light on what their cadets were up to," T'Luminareth stated serenely, but I could see a fire in her eyes. "I will research into every work published on Phased Ionic Drives, and we may be forced to work on a theory of what went wrong in case Starfleet is not forthcoming."   "Not that I admit that the Klingon Empire ever had any such vessel operating in the area, Vor' Dura got out before Hical Cretak interrupted.   "You have an officer on the damn planet, you cowardly idiot," mocked Hical.   "I am a deserter," Kar'Thon declared. "I would say I was a 'scum of the Orion Colonies' but I found that you already claimed that title," she aimed at Hical.   "You must die, you traitorous dog," Dura jumped on the offered plum. Thon/Victoria wasn't a deserter but she was ready to take one for the team, so to speak. "The Klingon Empire cannot allow your stain on our honor to exist. Now that we finally have you pinned down, we are coming to end you once and for all, and if the Federation insists on harboring a traitor (we were theoretically in Federation space) then,   "I owe you a death, Vor' Dura," Thon seethed; "your death."   "You may not enter Federation space," T'Luminareth insisted.   "Before you two go to war, again, why don't you let me go in," Hical mediated. "I'm a free trader and have been to both Federation and Klingon planets."   "You are a spy," Vor' Dura growled.   "Being a successful agent doesn't make you any less of spy for your Romulan Senate," T'Luminareth seemed almost furious.   "Unfounded rumors started by my, Hical almost finished before the Tribbles screamed. Not as loud as they had for Ms. Black, but they now didn't like Thon around either, now that Victoria was a Klingon. Cordelia scares me; this time Hical had the little 'hiccup'.   "This is going to be fun," she chuckled, barely above a whisper.   "I will get these vermin no matter how much they hurt the frail human," Kar'Thon snarled, but Victoria's eyes blazed with fanatic amusement. I was mildly curious if she could even respond to her true name but decided not to test that. She pulled out a rather wicked looking knife that I had to double-take to make sure it was plastic.   The conversation went on around us as fictitious bits of data collided with innuendo, falsehoods, threats, and lies. This was roleplaying by some actors who took it as

Join us for a new Sh*t Talkers Weekly podcast episode! This week we're joined by Marlon “Chito” Vera - Ecuadorian professional mixed martial artist. Cam took Chito on his first ever Blacktail Hunt, and Chito's here to talk about it - the hate comments, his thoughts on his first hunt, what he thinks could make the UFC better, and more! Follow along: Instagram: https://www.instagram.com/cameronrhanes Twitter: https://twitter.com/cameronhanes Facebook: https://www.facebook.com/camhanes/ Website: https://www.cameronhanes.com Timestamps: 00:00:00  Chito's Thoughts on Hunting 00:10:38  Hate  About Chito Hunting … “Trophy Hunters” 00:13:55  Hours in the Woods & Holding Your Sh*t All Day 00:17:27  Gringos & Tortos 00:19:38  Re-Population of Elk, Bucks, Does, Etc 00:21:12  Cam's Crazy Workouts Lately 00:25:28  Sh*t Talkers Weekly Shirts  00:33:43  Appreciation for Lineman  00:35:16  Hoyt's New 2026 Bow 00:38:39  Chito's Future Plans in Hunting & the Keeping the Tradition 00:47:14  The Emotional Impact of Hunting vs Fighting 00:54:08  Chito's First Experience Having Dairy Queen 00:55:55  Chito's Running Plans 01:03:28  Celebrity Boxing Matches & Money in Boxing 01:07:41  Pressure on the Fight Judges & How the UFC Could be Better 01:18:03  Who Would Chito Want to Fight in a Celebrity Fight? 01:20:14  F#*k, Marry, Kill: Cars, Hunting, Fighting 01:24:50  Final Thoughts, Guns, and F#*k, Marry, Kill for James Thank you to our sponsors: Ketone IQ: https://www.ketone.com/Cam use code CAM for 30% off your first subscription Sig Sauer: https://www.sigsauer.com/ use code CAM10 for 10% off optics LMNT: Visit https://drinklmnt.com/cam for a free sample pack with any purchase Montana Knife Company: https://www.montanaknifecompany.com/ Use code CAM for 10% off  Hoyt: http://bit.ly/3Zdamyv use code CAM for 10% off Grizzly Coolers: https://www.grizzlycoolers.com/ use code KEEPHAMMERING for 20% off

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Written by Simon ChadwickCome and follow more adventures on our animated TV show on Youtube!

Sean Barnes opens up about one of the toughest leadership lessons of all, realizing that not everyone you invest in will make the climb with you. As leaders, mentors, and friends, we often pour ourselves into others, wanting success for them as much as they should want it for themselves. But sometimes, paths diverge. And holding on too tightly can keep you from reaching new heights and helping those who are truly ready to grow. Sean reflects on the heartbreak of letting go, the importance of making room for the right people, and what it really means to lead with intention and grace.   Podcast Show Notes – Episode 254 | 11.04.2025 Episode Title: Letting Go: Why Not Everyone Will Make the Climb With You   Key Moments 00:00 – Not everyone will make the climb with you 00:45 – Why we pour into others who show potential 01:10 – The painful reality: some people don't want it as bad as you do 01:45 – When paths diverge and connection fades 02:15 – Letting go to make room for those meant to be in your life 03:00 – Focusing your energy on people who truly value and appreciate your support   Key Takeaways Not everyone will make the climb with you. Growth often means outgrowing certain relationships, and that's okay. You can't want success more than someone else does. No matter how much you pour into people, their drive has to come from within. Letting go creates space. Holding on to the past can become an anchor that slows your impact and limits your ability to lift others. Appreciation matters. Focus your time and energy on those who value your guidance and are committed to growth. Leadership is about seasons. Some people are meant to walk part of the journey with you, not the entire climb. Host: Sean Barnes Website: https://www.wolfexecutives.com   https://www.seanbarnes.com LinkedIn: https://www.linkedin.com/in/seanbarnes/ https://www.linkedin.com/company/wolfexecutives https://www.linkedin.com/company/thewayofthewolf/ LinkedIn Newsletter: https://www.linkedin.com/newsletters/7284600567593684993/ The Wolf Leadership Series: https://wolfexecutives.com/wolf-leadership-series/ YouTube: youtube.thewayofthewolf.com Twitter: https://x.com/the_seanbarnes https://x.com/wolfexecutives Instagram: https://www.instagram.com/the_seanbarnes https://www.instagram.com/wolfexecutives https://www.instagram.com/the_wayofthewolf TikTok: https://www.tiktok.com/@the_seanbarnes Email: Sean@thewayofthewolf.com Audible: https://www.audible.com/pd/The-Way-of-the-Wolf-Podcast/B08JJNXJ6C Spotify: https://open.spotify.com/show/2BTGdO25Vop3GTpGCY8Y8E?si=ea91c1ef6dd14f15

Gavin Linde welcomed Brandon Smith, the National Brand Activation Manager for Lofted Spirits, shared their professional background and their introduction to whiskey, emphasizing the importance of memories and friendships in whiskey appreciation. They discussed the evolution of the whiskey industry, Bardstown Bourbon Company's unique approach, and the collaborative and innovative culture within the company, culminating in a discussion of the current state and future of the whiskey industry, including the Kentucky Bourbon Festival and specific Bardstown releases.

What if your best business strategy wasn’t in your inbox—but on the treadmill? In this powerful episode, Stacey dives into part two of her performance mini-series, exploring the connection between movement and long-term business success. Whether you’re a self-confessed couch potato or an ex-dancer like Stacey, you’ll walk away feeling motivated (and maybe even a little sweaty) to move your body in a way that works for you. You’ll learn: ✨ Why Stacey’s mantra for 2025 is “Body Before Business”—and what’s changed because of it✨ How movement can regulate your nervous system and boost your resilience✨ The unexpected link between your Peloton session and business clarity✨ Why “sweating solo” is totally valid (no group classes required!)✨ What to do on the hard days when walking the dogs is the only thing keeping you afloat This episode isn’t about shame or pressure—it’s about encouragement. Stacey gets honest about her own struggles with consistency and shares the mindset shift that finally made movement a non-negotiable part of her leadership.

Jack Elderton and Cal Goodall break down Nuno Espírito Santo's first win as Hammers Head Coach, West Ham 3-1 Newcastle in the Premier League, the club's first since August. It also marks the first time the London Stadium has seen the home side pick up the full 3 points since February. We discuss all the action from Sunday's game, including goals from Lucas Paqueta, Tomas Soucek and Jacob Murphy as well as an own goal from Sven Botman, Freddie Potts' outstanding performance in his first Premier League start, the difference in approach between the first and second halves, West Ham's striker woes and if Wilson or Soucek are the solution and much more. Timestamps: (00:00) WE ACTUALLY WON A GAME (01:49) West Ham 3-1 Newcastle review (04:45) The massive improvement in West Ham's physicality (13:45) Freddie Potts has arrived as a Premier League player (22:49) Mateus Fernandes showed why he is worth so much (29:40) Is Callum Wilson the answer to West Ham's striker problems? (31:51) Did inverting Maximilian Kilman and Jean-Clair Todibo work? (33:42) How West Ham and Newcastle performed in the second half (43:14) Did the Nuno's substitutions help or hinder West Ham? (45:45) Tomáš Souček as a striker, does it make sense? (51:38) Nuno's makeshift solutions highlight West Ham's recent recruitment issues that need addressing in the January Transfer Window Please do leave us a review and subscribe to the podcast to catch every episode. Join us on Patreon: https://www.patreon.com/analyticsunited You can follow the pod (and our other work) on Twitter: Main: @AnalyticsUtd_ Jack: @jackelderton Cal: @WHU_Analytics Darcy: @futpysche Charlie: @ATopLad Theme music: "Emotional Chill Electronic Vlog Music | Sunset" by Alex-Productions (https://onsound.eu/) Promoted by: https://www.free-stock-music.com Creative Commons / Attribution 3.0 Unported License (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/deed.en_US Learn more about your ad choices. Visit podcastchoices.com/adchoices

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education,   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   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  1:29   Welcome to GRE I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018   Keith Weinhold  1:51   Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to   Keith Weinhold  2:01   Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around.    Keith Weinhold  4:45   And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom.    Keith Weinhold  6:22   Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner.   Keith Weinhold  6:49   5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015   Keith Weinhold  8:09   But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue   Keith Weinhold  10:41   the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14%   Keith Weinhold  11:17   next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting.    Keith Weinhold  12:13   Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29%   Keith Weinhold  12:43   and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29%   Keith Weinhold  13:09   the numbers don't lie. They just don't get enough attention on CNBC.   Keith Weinhold  13:16   Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here.    Keith Weinhold  14:16   Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something.    Keith Weinhold  15:33   All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic.    Keith Weinhold  16:06   A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon.    Keith Weinhold  17:44   Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in.    Keith Weinhold  18:21   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:32   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com   Kathy Fettke  20:05   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  20:14   I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show.    Adam Schroeder  20:48   Thanks for having me on. I really appreciate it.    Keith Weinhold  20:50   Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape?   Adam Schroeder  21:30    Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market.    Keith Weinhold  23:55   It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs?    Adam Schroeder  24:55   We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC.   Keith Weinhold  26:17   Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type.    Adam Schroeder  26:30   A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can.    Keith Weinhold  28:53   There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties.    Adam Schroeder  29:20   Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there.    Keith Weinhold  30:20   Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of.    Adam Schroeder  31:09   Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life.    Keith Weinhold  32:16   Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam.   Adam Schroeder  33:29    one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050    Keith Weinhold  34:55   everyone's asking, when is it going to pass? California is the most populous state in the nation.    Adam Schroeder  35:01   Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are.    Keith Weinhold  36:46   100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive.    Adam Schroeder  37:18   Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again   Keith Weinhold  37:42   right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam   Adam Schroeder  38:51   yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it.    Keith Weinhold  39:41   This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week.   Keith Weinhold  40:00   Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there   Keith Weinhold  41:42   if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  43:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  43:45   The preceding program was brought to you by your home for wealth building, getricheducation.com

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm   

Sunday Morning Service Aberdeen, MD 21001

Have you ever felt as though you were caught in a repetitive cycle with someone, whether in a relationship, friendship, or with a loved one? Determining when to move on can be challenging, and for many, it may take years to realize that engaging with certain individuals was not in their best interest. Often, despite hoping for different outcomes, the situation remains unchanged.In this episode, my guest Shawn and I will discuss the topic of "Closing the Window That Hurts You." Many people have experienced leaving themselves vulnerable to those who ultimately did not contribute positively to their lives. We invite you to join us for another insightful program.Another great show!Send us a textMen Speaking Out...Talking to reveal, not conceal! menspeakingout.com

Not to be dramatic, but Bryan Brown is an Australian icon of the silver screen.

Appreciation! Gratitude!! Thanks!!! My constant wish for you is always for peace, love, understanding, kindness, compassion, and empathy. May they be offered to you in abundance. May you give it 10 fold to those who need it but deserve it least.  The Music Authority Podcast...download, listen, share, repeat…heard daily on Belter Radio, Podchaser, Deezer, Amazon Music, Audible, Listen Notes, Mixcloud, Player FM, Tune In, Podcast Addict, Cast Box, Radio Public, Pocket Cast, APPLE iTunes, and direct for the source distribution site: *Podcast - https://themusicauthority.transistor.fm/  AND NOW there is a website! TheMusicAuthority.comThe Music Authority Podcast! Special Recorded Network Shows, too! Different than my daily show! Seeing that I'm gone from FB now…Follow me on “X” Jim Prell@TMusicAuthority*The Music Authority on @BelterRadio Monday, Tuesday, Thursday, Friday 7 pm ET & Wednesday 9 pm ET*Radio Candy Radio Monday Wednesday, & Friday 7PM ET, 4PM PT*Rockin' The KOR Tuesday, Wednesday, and Thursday at 7PM UK time, 2PM ET, 11AM PT  www.koradio.rocks*Pop Radio UK Friday, Saturday, & Sunday 6PM UK, 1PM ET, 10AM PT! *The Sole Of Indie https://soleofindie.rocks/ Monday Through Friday 6-7PM EST!*AltPhillie.Rocks Sunday, Thursday, & Saturday At 11:00AM ET!November 1, 2025, Saturday, may you have the weekend you deserve…@The Anderson Council - First Of November [Looking At The Stars] (@Jem Records)@Jordan Seven - Silent River [7]@The Everyday Things - Time to Realize [IPO Vol 8]@The Dollyrots - Rebel Angel [Down The Rabbit Hole] (@Wicked Cool Records)@Faz Waltz - Rebel Kicks [Rebel Kicks] (@Spaghetty Town Records)@Roxanne Fontana - Some Have Fun@SLD {Sounds Like Digging} - All I Want [Lost] (koolkatmusik.com)@Karla Bonoff - If He's Ever Near@Chuck Yoakum - Gotta Get Her Back [More From The Garden] (koolkatmusik.com)@Reverent Cavaliers - Island Song@The Weeklings - One And One Is Two [The Weeklings] (@Jem Records)@Extra Arms - Hey Bulldog [Songs I Wish I Wrote]@The Bounce - Jenny's Doin' Fine@The Cryers – Shake It Up (Ain't It Time) [The Cryers]@Gyasi - Godhead [Pronounced Jah-See]@Whimsical - Searching [Melt]@The Kite Collectors - Run Away With Me Baby [Switch The World Back On] (@Paisley Records)@Side Play – Faith And Kindness

Written by Simon ChadwickCome and follow more adventures on our animated TV show on Youtube!

On Episode 128 of The Faerie Conclave, Alec interviews Cas also known as Strixhaven Dropout all about their Dihada, Binder of Wills commander deck! Cas built this deck for Bracket 4 by focusing on the graveyard. It is full of graveyard recursion and value, which is extremely synergistic with Dihada. Join me in celebrating Cas's birthday today by talking about one of her favorite decks!Check out Cas's Dihada deck list here.Check out Cas's links here.Listen to Cas on the latest episode of "Am I the Bolcast?" here!Follow The Faerie Conclave's content and social medias here.To support The Faerie Conclave, please consider joining my Patreon here.The Faerie Conclave logo and imagery was created by Kirtly Maxfield who can be contacted for design services at thelichencollective.com.The Faerie Conclave theme music was created by Livi Cheney who can be found as soffboilite on SoundCloud.

Join us for an Ernest Dickerson Appreciation episode, as we take a look at two classics worth a reappraisal- TALES FROM THE CRYPT PRESENTS: DEMON KNIGHT and BONES! That's right ,we said what we said- find out why by pressing play!

It's a Coca Thursday because there is no show Friday! Coca wanted to get started today talking about Trey Yesavage and the meteoric rise he's had this season from Single-A ball to World Series ace! Louisiana governor Jeff Landry had an insane press conference to discuss the head football coach at LSU? We dissect Kirby Smart's comments on the firing of Brian Kelly, NBA load management and Michael Jordan's disgust of it, and some chatter on NFL salary caps! Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's a Coca Thursday because there is no show Friday! Coca wanted to get started today talking about Trey Yesavage and the meteoric rise he's had this season from Single-A ball to World Series ace! Louisiana governor Jeff Landry had an insane press conference to discuss the head football coach at LSU? We dissect Kirby Smart's comments on the firing of Brian Kelly, NBA load management and Michael Jordan's disgust of it, and some chatter on NFL salary caps! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Written by Simon ChadwickCome and follow more adventures on our animated TV show on Youtube!

What makes a great leader … and what causes even good ones to stumble? Dr. Eric Scalise, president of Hope for the Heart, joins us again on Hope Talks. Drawing on decades of leadership experience across ministry, academia, and organizational life, Dr. Scalise shares key insights into the heart of healthy and unhealthy leadership. Together, we explore three common challenges every leader faces: insecurity, isolation, and lack of accountability. Dr. Scalise shares that the key to overcoming these challenges is finding your identity in Christ and surrounding yourself with truth-tellers—people who will both encourage and confront you in love. Drawing from Matthew 23 and the “seven woes” of Jesus, we also uncover some biblical principles for leading with humility and authenticity. Whether you lead a team, a family, or just want to help others grow, this episode will help you lead from a place of security and grace. Subscribe to the podcast and tune in each week as Haley and Dustin share with you what the Bible says about real-life issues with compassion, warmth, and wit.   So you have every reason for hope, for every challenge in life. Because hope means everything.   Hope Talks is a podcast of the ministry of Hope for the Heart.   Listen in to learn more : (01:51) Leadership Insights From Experienced Practitioner  (17:23) The Role of Priests and Prophets  (20:37) Accountability Partners and Insecurity  (27:36) Constant Communication With the Lord  (34:22) Leadership Qualities of George Washington  (51:50) Importance of Accountability in Leadership  (55:45) Appreciation for Leadership Conversation Hope for the Heart resources Order our newest resource, The Care and Counsel Handbook, providing biblical guidance  100 real-life issues: https://resource.hopefortheheart.org/care-and-counsel-handbook   Facebook: https://www.facebook.com/hopefortheheart   Instagram: https://www.instagram.com/hopefortheheart    Want to talk with June Hunt on Hope in the Night about a difficult life issue? Schedule a time here: https://resource.hopefortheheart.org/talk-with-june-hope-in-the-night   God's plan for you: https://www.hopefortheheart.org/gods-plan-for-you/   Give to the ministry of Hope for the Heart: https://raisedonors.com/hopefortheheart/givehope?sc=HTPDON    ---------------------------- Bible verses mentioned in this episode 1 Kings 4:5 - “Azariah the son of Nathan was over the officers; Zabud the son of Nathan was priest and the king's friend.” Matthew 23:23–28 – “Woe to you, scribes and Pharisees, hypocrites! For you tithe mint and dill and cumin, and have neglected the weightier provisions of the Law: justice and mercy and faithfulness; but these are the things you should have done without neglecting the others. You blind guides, who strain out a gnat and swallow a camel! “Woe to you, scribes and Pharisees, hypocrites! For you clean the outside of the cup and of the dish, but inside they are full of robbery and self-indulgence. You blind Pharisee, first clean the inside of the cup and of the dish, so that the outside of it may also become clean.  “Woe to you, scribes and Pharisees, hypocrites! For you are like whitewashed tombs which on the outside appear beautiful, but inside they are full of dead men's bones and all uncleanness. So you too, outwardly appear righteous to people, but inwardly you are full of hypocrisy and lawlessness. John 13:3-5 – “Jesus, knowing that the Father had given all things into his hands, and that he had come from God and was going back to God, rose from supper. He laid aside his outer garments and, taking a towel, tied it around his waist. Then he poured water into a basin and began to wash the disciples' feet and to wipe them with the towel that was wrapped around him.”    

In today's episode, Dr. Killeen shares ten quick, practical ways to show appreciation in your dental practice. From giving a heartfelt compliment to grabbing coffee for a teammate, these small gestures can make a big difference in creating a positive, connected culture. Tune in for easy ideas you can put into action today—and see how just one act of gratitude can boost morale and strengthen your team.To learn more about Dr. Killeen and his two-day event in Lincoln, NE or to connect with him, check out www.AddisonKilleen.com.

Send us a textRelationship expert warrior for love, Jonathon Aslay, shares insights, secrets and tips for zoning in on the perfect partner, and the ability to be radically authentic as a sexy, soul mate attracter. We have a blast discussing not only dating but exploring how to fortify relationships of all kind through compassionate communication. This one's a game-changer. Curiosity + Intentionality are the doorways to secure connection.Attachment spotting: ask about past relationships; listen for ownership.NVC in 3 steps: what happened → how I feel/need → are you willing…?Appreciation daily: aim for ~80% positive acknowledgments—tiny, specific, frequent.Micro-rituals: 20–120 second hugs, “I see you when…,” bedtime check-ins, weekly “state of us.”Friendship first: prioritize liking each other—rabbit-hole chats, shared curiosity, play.Requests from love: trade criticism for clear, kind asks.Grief alchemized: asking “What would love do?” creates meaning and gentleness.Try this tonight“When you did ___, I felt ___ because I need ___. Are you willing to ___?”Give three appreciations (specific!) before bed.30-second hug, slow breathing, no words.Schedule a weekly connection date (phones away): one curiosity question each.GuestJonathon Aslay — Relationship coach; host of What Would Love Do?; author of What the Heck Is Self-Love, Anyway?Support the showLink to Support this Channel: https://www.buzzsprout.com/2153284/supporters/newJulie's Book: https://amzn.to/3K2ZS05Julie's Website for more information, comments or requests: https://lifeofloveandjoy.comI receive a small commission when you purchase from these links.

October is pastoral and chaplain appreciation month and it's our last podcast of the month where we focus in on Soccer Chaplains United people and their service and pastoral care in the soccer space. Today on the From the Touchline podcast, I am joined by Gavin Brand. Gavin is the volunteer chaplain for Ballard FC, […]

Written by AlexCome and follow more adventures on our animated TV show on Youtube!

Former pediatric nurse and two-time Best of Nursing Award winner Mel sits down with Chicago nurses Hannah Kimmel and Jahnik Dismuke to unpack Nurse.org's Nurse Appreciation Nights—including an unforgettable MLS game where nurses were honored on the field and Jahnik joined the captains for the pregame coin toss. They share why nurse-led community matters now, how peer-nominated honorees are chosen, and the fun perks of these events (discounted tickets, custom gifts, and memories that last). Listen in for behind-the-scenes moments, nomination tips and a heartfelt reminder that every nurse deserves to be seen and supported!>>Nominate a nurse, get discount tickets & find a Nurse Appreciation Night near you!>>Our Once-in-a-Lifetime Honor with the Chicago Fire for Nurse Appreciation NightJump Ahead to Listen: [00:01:29] Community in nursing.[00:05:06] Nurse Appreciation Nights.[00:12:08] Proud moments as a nurse.[00:14:58] Importance of external nursing communities.[00:19:33] Nurse Appreciation Night experiences.[00:26:57] Nurse community events in Chicago.[00:29:24] Nurse appreciation apparel and events.Connect with the hosts on social media:Instagram: Hannah: @hankimmelJahnik: @the_champagne_nurse, @nursesunwinenelevateMelanie: @mels.crafty.corner TikTok: Hannah: @scrubs.and.hubsJahnik: @the_champagne_nurseMelanie: @mels.crafty.corner For more information, full transcript and videos visit Nurse.org/podcastJoin our newsletter at nurse.org/joinInstagram: @nurse_orgTikTok: @nurse.orgFacebook: @nurse.orgYouTube: Nurse.org

Written by Simon ChadwickCome and follow more adventures on our animated TV show on Youtube!

Written by Simon ChadwickCome and follow more adventures on our animated TV show on Youtube!

10-24-25 - Fireside Chats - His Dad Prosecuted The Perfect Neighbor Case In Florida - Second Blind Listener Calls In w/Appreciation For John's ComedySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Can we really teach our kids to be thankful, even if they're upset? Jim Daly and Arlene Pellicane share about teaching your children to be people of appreciation. Also, Danny and John will encourage you to recognize when your child is developing an ungrateful attitude. Find us online at focusonthefamily.com/parentingpodcast. Or call 1-800-A-FAMILY. Receive the book Screen Kids for your donation of any amount! Take the 7 Traits of Effective Parenting Assessment How Your Family Can Manage Technology Well Contact our Counseling Team Your Teens Need You, Not More Screen Time Support This Show! If you enjoyed listening to the Focus on Parenting Podcast, please give us your feedback.