Podcasts about Arms race

Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock on Thursday, July 17th at 8PM Eastern. Keith discusses the competitive nature of short-term rentals (STRs) and the need for hosts to offer luxury amenities to attract guests. Long time investing pro, Alex, joins us to cover the BRRRR strategy in Little Rock, Arkansas, an investor-advantaged market, emphasizing its low property taxes and stable cash flow. They explain the BRRRR process, including: buying, renovating, renting, refinancing, and repeating.  The strategy allows investors to scale their portfolios with minimal initial capital, offering a 0% management fee in year one and 4% in year two.  Resources: Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock on Thursday, July 17th at 8PM Eastern. Show Notes: GetRichEducation.com/561 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, anymore when you own short term rentals like Airbnbs and vrbos, you are in an all out arms race competing to provide amenities like never before. Then what happens when you take the popular burr real estate strategy and overlay it with one of the most investor advantaged markets in all of America. It's a lucrative opportunity. You'll see how and why today on get rich education.    Keith Weinhold  0:32   Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows, an A plus rating with the Better Business Bureau, and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know mid south enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  1:58   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:14   Welcome to GRE from North Conway, New Hampshire to North port, Florida and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education, happy July, the second half of the year. And my favorite month of the year is your Airbnb fancy enough, because anymore STRS short term rentals have gotten so competitive that hosts treat their properties like white lotus level hotels. Now, STRS were never passive, but they become even less so it is active income. Once upon a time, Airbnb hosts could just sort of drop a few colorful throw pillows on their fold out couch and make a killing. But no more those days are so far gone. The STR game has changed drastically. I mean, you used to be able to list a basic home with generic furniture that you got at Costco, minimal amenities, no Wi Fi, and still get it booked, but today, it will sit empty unless you offer more than just a place to sleep. You have to build an experience for Airbnb guests. Now, increasingly, hosts are doing things like adding outdoor kitchens, arcade machines, putting greens, even basketball. And now, though these upgrades do cost a lot up front, they can pay off. These amenity types can double your nightly rate, but they come with more responsibility and more to maintain. I mean, more guests are expecting a flawless experience. The trend is that Airbnbs are becoming full scale hospitality operations, and if you don't treat it like one, you're going to fall behind. So simply having a nice house that just no longer cuts it, running a short term rental today is nothing like it was even two or three years ago. You used to be able to stand out with a decent bed and colorful throw prolos, but now guests are basically comparing your place to boutique hotels. Hosts are deeply investing in design, forward furniture, layered lighting and featuring spaces that some market as what they call moments like cozy reading corners in these luxurious bathroom setups, adding things like welcome guides and even complete brand identities with a proper. Name and even a logo and a story to give the place some personality, even writing up a history for your property, even if it's not that historic. Now, these sorts of tactics, they actually do, seem to work. Guests will give you more bookings, better reviews, and guests even share the space on social media like it's somewhat of a lifestyle destination now sometimes STR hosts, they team with these other platforms to add welcome champagne in ice buckets on site, sommeliers, private chefs, daily, housekeeping on demand. 24/7 textable concierges, heated plunge pools and other amenities through you partnering with some of these platforms and these upgrades don't come cheap. The publication called the playbook, they featured an STR in Sag Harbor, New York, where the property owner invested $85,000 into overhauling the landscaping and adding a James Turrell Inspired LED light installation. But overall, these improvements boost rental revenue by an average of 40% over what the property was collecting previously. All right, so this is a case study now, though, this STR trend of offering deep hospitality and luxury amenities has turned into more of a job and less about passive income. You know, really, this is free market capitalism, because this is competition to see who can provide the best service at the lowest price, but that's what it is. So this is making real estate less of a good and more of a service. Short term rentals soaring supply, day rate compression and AI driven pricing tools. That means that the just this all nice house with good photos thing that no longer cuts it. It is an amenities arms race now, and of course, this is a national trend. It doesn't mean that it's happening absolutely everywhere. In some places, hosts are able to charm guests simply with something like a freshly baked loaf of banana bread, but the consensus is whether they spend a little or a lot, Airbnb hosts unanimously say that they've got to work harder in order to keep guests happy. It's become more of a business and less of a side hustle than it used to be. You've got more hosts leaning into higher upfront investments because they know guests will pay for a sort of turnkey, Instagrammable experience. And this really is a classic early adopter issue, just like a lot of things, Airbnb launched in 2007 by the way, so this sort of first wave of Airbnb hosts back around 2012 to 2015 they were riding a blue ocean back then. There was virtually no competition. There weren't any standards, and there were plenty of bookings, and that made a lot of hosts pretty fat and happy. But that's not where we are now, really. The bottom line is that in many markets, short term rentals have transitioned from partial passivity to all out hospitality. That's the Airbnb arms race. The average Airbnb nightly rate for North America. Do you care to venture a guess at the average nightly rate? It is approximately $216 per night, and that right there is up 26% from 2020 so it is not up as much as house prices over that five year period from 2020 really, the Airbnb rate is up about as much as the long term rental rate.    Keith Weinhold  8:58   While we're talking numbers a quarter recently ended. Let's hit on our asset class rundown. What's happened to home prices in the past year? Well, when you aggregate all these sources, Zillow, Freddie, Mac case, Shiller, FHFA, in totality, home prices are up 2% single family rents are up 3% apartment rates are down 1% due to their oversupply. The 30 year mortgage rate was 6.9% a year ago, and it's 6.8 now. CPI inflation is 2.4% expressed in year to date terms. Now the SP5 100 is up 5% in the first half of this year, ending near 6200 the dollar is down. That means that it takes more of them to buy gold, which is over $3,300 an ounce, gold is up 27% just from the start of this year, and the oil price is still depressed in the 60s. Per dollar for a barrel, Bitcoin still strong, ending the quarter at 106kthat's your asset class rundown, which we do about quarterly.    Keith Weinhold  9:57   Hey, I really enjoyed meetingside. Of you on this year's terrific real estate guys Investor Summit at sea was concluded about a week ago. It was two days on land in Miami, followed by a week of conferences and fun aboard a Caribbean cruise ship. I really got to meet you and get to know you, because we had nine days together, and as one of the faculty members, I hosted a table at dinner every night, and each night the attendees rotated around to my table, so I got to meet a lot of you and really get to know you, and you got to know me. Yeah, it was as interesting for me to meet you in person, perhaps, as it was for you to meet me, because I like to hear what you're doing in real estate, investing, in everything else. I gave a main stage presentation that was almost an hour of all me, all GRE and also served on five different panel discussions. Oh, it's such a unique event. Get this, I was kind of dressed up to give my main stage presentation, which so many of you, by the way, told me afterwards, that that was your favorite presentation of them all, all week long, because each faculty member made a main stage presentation. But what I want to tell you is, just a few hours after I presented, on the cruise ship, I was shirtless in the water throwing a football around at the beach in St Thomas Virgin Islands. What an event. Fantastic to meet a number of you in person. So far today, I hope what I've shared with you has been informative. Next. It's something informative and really actionable that you can make lucrative that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  11:45   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Russell Gray  12:16   You know what's crazy your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Russell Gray  13:30   Hi. This is Russell Gray, co host of real estate guys radio show, and you're listening to get rich education with Keith Weinhold, don't quit your Daydream. You Keith,   Keith Weinhold  13:38   welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking to a guest not only about an investor advantaged market, but when you overlay a certain strategy with it, this can be highly lucrative for investor returns, and we're with a long time investing pro Alex, welcome onto the show.    Alex Craig  14:04   Hi Keith, thank you.    Keith Weinhold  14:05   Well talking about top US cashflowing market, let's get right to it. Tell us about yours.   Alex Craig  14:11   Little Rock, Arkansas. It's a market that we've been in since 2012. I personally invest there. I've got about 75 doors of multi family, single family. And the reason why it works is just cash flow. Over the years, we've had investors from around the country that have owned portfolios where maybe they're somewhere in Phoenix or Dallas, where they're kind of speculating. This is not a speculation market, and that's why it works for myself. It's consistent. It's very linear, and linear is a word that we use a lot to describe. And if you're going to be a cash flow investor, and that's why I'm in it, it's you want a linear market. You don't want ups or downs, and then you want to make sure it's a growing market too. And Little Rock checks all the boxes of what you would want in a stable cash flow environment market.   Keith Weinhold  14:57   And I think a lot of our investor listeners are. Already pretty keen on that. You get a high ratio of rent income to purchase price. You have laws that heavily favor landlords over tenants. But Alex, in today's environment, people are more conscious about rising operating expenses and higher mortgage expenses, and that's really one advantage that Arkansas can give right now, is with those low property taxes   Alex Craig  15:20   Keith,it's so interesting you mentioned that because I did have a conversation with a client of ours that had a property in another market that he had mentioned how his property taxes had gone up and gone up substantially, which that's to expect. I mean, after COVID, there was a lot of markets saw a huge boost, especially with markets that saw hedge funds come in. Hedge Funds, I believe, ruined a lot of markets, raised the prices. And another reason I like Little Rock, it flies under the radar. You think is Little Rock is a small market, but it's really not. It's, I mean, the population of the city is 250,000 but the metro area, which is a 50 mile radius around Little Rock, is much bigger. And the entire, not only the entire market, metro area, feeds off little rock, really, the entire state does too. But that being said, because it's floating under the radar, the property tax have remained low. They've taken a little bit of bump over the years, because the values steadily go up, but they started low anyway. So with operating costs of insurance, insurance has gone up for a lot of for my own properties in other markets, it's going up, and it's going up in Little Rock too. I mean, it's just the name of insurance, but property taxes have remained low. They've always been low, and that's really a big help as to why this market works for us.   Keith Weinhold  16:30   Talking about flying under the radar, you're talking about, therefore evading a lot of that hedge fund money. Tell us more about the market and some of those anchors and drivers.   Alex Craig  16:40   It's a blue collar town. You've got logistics. Is a market, or is a segment of the industry that has really come on strong over the last few years, Amazon has really put a footprint in the market. Healthcare is a huge, huge market, like I mentioned earlier, not only does the region feed off the direct to the entire state, it's the hub of healthcare for the entire state of Arkansas, of course, it's government. Government provides a lot of jobs. The good thing about government jobs is they're maybe not on a national level anymore, but on a local, state level, they're very it's hard to get let go from a government job, unless now, not on a federal level, but it's very steady, so a lot of steady blue collar jobs, and that's what you want for a strong resident base, especially in the type of properties and 1000 to $1,200 price range, you want those blue collar study growing jobs.   Keith Weinhold  17:31   Yes, you do have those there. It's funny. I'm smiling a bit because I used to be a state government employee, and there's just no way that they ever would have fired me. I was so protective I had to quit in order for them to have to replace me at that job. I'm wondering about the new supply that's come on, Alex, because a number of markets have added supply. I know, for example, that Redfin reports that little rock median home price appreciation is up 7.3% year over year, and with the dynamics going on in the market recently, that typically tells us that there hasn't been that much new supply added. Is that what's going on there?   Alex Craig  18:11   No, there hasn't been a lot of new supply. I just think with little rock and every other market, the mortgage rates have gone up. Home ownership is down during COVID. It was really hard to get an investment property. For what we did, sending out our list every week. It was basically send out our properties, people hitting send and not even knowing what they were reserving. Rates were just low, right? Everybody's jumping in. It was hard to get inventory. So now what we have is, you know, higher rates that scares some people off. It pushes some people out on the market, but it also creates opportunity. I feel like this is the easiest time I've been investing in real estate since 2007 that was the foreclosure crisis, Great Recession, and it was a lot of foreclosures on the market, and that's how I built a big chunk of my portfolio. But now it's just a matter of there's not as many people in it. So for us, there's just more acquisitions for us to go out and get. There's still distressed homes on the market where individuals don't want to hire a realtor, they just want all cash offers. They're ready to get rid of them, and that's where we step in. And without as much competition like I said, we kind of fly under the radar. I feel it creates more just supply inventory for us and for me as an investor, but also for our clients too   Keith Weinhold  19:23   with that in mind, and again, a lot of our audience is already on board, knowing that little rock in Arkansas is a good cash flow market with stable, long term fundamentals, but in order to make it more profitable, you've overlaid it with a certain strategy there in Little Rock. Tell us about that.    Alex Craig  19:45   So the BRRRR strategy, yes, it's able to work now because there's not as many buyers in the market. So basically, the way the burrs strategy works is we acquire a property. I'm just going to use very round, simple numbers for simple math makes it easier on me   Keith Weinhold  19:58   and we're talking the BRRRR. Strategy that's buy, renovate, rent, refinance, and repeat. Those are the five investor steps.   Alex Craig  20:07   correct. And so that's what we do, is we buy. Let's just say the B. Let's take the B, for example, we buy a home, and we buy it for 60,000 where I'm just talking like if I own the home, and then I put $20,000 into the deal. So now I'm all into it for 80,000 and you have to remember, there's some in between, cost of closing costs. I'm just talking just very general strategy. You buy it for 60, you put 20 into it, and all of a sudden you're in it for 80, and the value comes back at 100 so you're in it for 80% of the after repair value. Most Fannie Mae lenders will do 75% so if you purchase a house outright, you put 20% down, but if you are doing a refinance, you're able they'll do it at 75% so instead of buying a home and putting it down payment upfront, you're using equity in the deal. And that's what the burst strategy is, buy renovate. So we buy it, we renovate it, we refinance it, we rent it out, and then you repeat it. So it allows for investors to scale their portfolios quicker and stretch their money a little bit further. So if you've got, I've got $50,000 and I want to invest in real estate, if you purchase a home, you're bound by the down payment. Once you put that down payment, it's, I wouldn't call it sunk cost, but that money's gone for reinvesting. The burr model allows you to stretch that money a little bit further. Now, like I said, I gave pretty basic numbers to the deal, but that's what you're going for. Some equity in the deal, and that's what we're able to provide for ourselves and for our clients.   Keith Weinhold  21:38   So let's review that numbers on a little rock burp, making a $60,000 purchase with a pre renovated property. Then the investor puts another 20k into it for the renovation. So now they're all in for 80k and they get a 100k appraisal on that property, and then they can borrow, say, 75% of that there, that is the refi portion, the fourth letter of the BRRRR acronym. So therefore they've got 80k into it, and they got 75k back, meaning they would only have 5k into it, but maybe another 5k for closing costs, and now they only have 10k in to a 100k property. That's the appeal. That's what we're talking about here with the BRRRR   Alex Craig  22:22   strategy. I mean, you're exactly right. And as I mentioned, I use some really basic numbers, because when you're using, you know, 100,060 and 20 makes them very basic. It's pretty hard to find out a deal worth 100,000 these days, even when we started in the industry, 100,000 was a pretty cheap after pair value. Probably the mean value of the homes that we're dealing in is probably about 140 to 140 to 160 but same principle, based on those same logic that what we just talked about, I wouldn't say, you know, five or 10k out of pocket, but if you're talking about purchasing a deal with 25% down versus doing a bur you're probably going to be in it at 15% Out of pocket costs 10 to 15% as opposed to putting a down payment of 25% but the big thing is, you're getting money back, and you're not putting as much so just it's great for scale. I don't know if you'll talk about DSCR lending very much on your show, but that's something that a lot of our clients, and that does 80% so we have a lot of clients going that route now too.   Keith Weinhold  23:21   Okay, so you could do 80% with debt service coverage ratio loans, but to drop back in our example, to help be clear, the investor has 80k of their own skin in the game into the property, 60k for the purchase, 20k for the renovation, even though they only have 80k in it appraises for 100k that ARV, that after repair value. Why is the after repair value 100k when you only have 80k into it? Why is it more?   Alex Craig  23:49   that's based off comparable sales? So when you're in it at 80, and you're going to refinance it through a lender, they're going to send an appraiser out, and appraiser is going to pull comparable sales within that neighborhood. So just because you're in an 80 the appraiser is going to go pull three comps, very similar to that home. So if we're selling a three bedroom one bath, they're going to pull three comps at a three bedroom one bath, relatively the same size look, if it's got a carport, they're going to try to find three houses with the carport. So in theory, that's what they're doing. They're pulling comparable sales and developing new value based on recent sales.   Keith Weinhold  24:23   So it's that you have this knowledge to buy in neighborhoods and buy in certain sub markets, where, when you know that capital is added and renovations are made and a rehab period that they do tend to appraise for that value based on the comparables that are already there.   Alex Craig  24:40   Yeah. I mean, if we were to take the same house at 60,000 and didn't do any work, he would then say, well, you've got some comparables here versus 100 but you could never sell this home for 100 these are the things you have to do, and that's what we do during the first R the renovate of the acronym is to renovate the home to the condition that the. Appraisers feel that are comparable for the neighborhood, and that's a real important part, is comparable to the neighborhood. We could go in and put in a Jacuzzi tub and grain of countertops. We actually, we do put a lot of grain in, because we get it so cheap. But you could go in and fix it up to the nines, but it's not going to appraise for any more than the others, because the appraiser would say, we over improved it. So we improve it to what we know, what the kind of the standard for the neighborhood? Because you could over improve these things for sure and not get that return on that investment.   Keith Weinhold  25:28   That is a great answer. There is a specific improvement target that you know that needs to be hit. Tell us more about this burr process, because to an out of area investor, it can sound pretty intimidating if they had to manage contractors remotely themselves,   Alex Craig  25:43   there definitely is a need to have a team on the ground that you trust, that you feel comfortable with, and that's what we've done. I've been doing it in multiple markets for myself since 2007 and we built into a business model in 2010 like I said, expanded Little Rock in 2012 and we've been doing this for 15 years now for other investors. So we've got that name and that reputation of taking care of our investors, that's the important part. And we do see a lot of investors get burned, because you can find a realtor to go to help you find deals, but usually the realtor relationship is thesis to end. It's okay, I found you a deal, but then there's so many other things afterwards, and the renovations, where I see so many people get burned, and you know, we manage approximately 1200 homes between two markets, and that's where I see when property owners come to us, they've been burned the most. It's like they've paid somebody $50,000 they didn't finish the job, they didn't do what they say they're going to do. So the renovation that we're the team on the ground, we've got a in House Project Manager, we've got a network of subcontractors. We tend to act as the contractor, subbing things out. We've got in house property management. We've got all the tools, but it's really between both. In the markets in which I operate. I've got about 30 employees within property management, renovations, acquisitions, so the team on the ground is and then the back in the property management part is the long, ongoing accountability. So if something doesn't work out, that's the way we said it. If we say it's going to rent for 1200 and we rent it out for 900 Well, we really got a big egg on our face. You do a few of those, and that's how you don't stay in business anymore. And there's, and I like to say, about every five years the market corrects itself into getting the wrong players out of the business. COVID was super easy, easy to find deals, easy to sell deals. But once the market changed and it became a little more competitive and rates rose, that's the people that have been around for the long time, been in it for the long haul, that stick around. They've got the established business model and their reputation. So every five years, a good correction in the market eliminates those bad players.   Keith Weinhold  27:47   So you have this vetted, proven in play system that investors can get into besides just identifying the property, it comes with that system, those contractors or that investor just has one point of contact with you there for updates on the renovation.   Alex Craig  28:03   Yeah. I mean, I feel like we know these neighborhoods. I like I feel we know these neighborhoods like the back of our hand. We've been investing in them for a decade plus, and we know the areas you want to be in, the areas you don't want to be in. And we have a lot of investors will call us either they already own the property or they're a current client, and they'll say, Hey, I could get this deal for 30,000 and it's worth 100 and I'm like, Well, that sounds too good to be true, especially if it's on the open market. If it was that good of a deal, it's already gone. We just know the market, where to be. We know what to pay. We could, pretty much just through our experience, identify a house we know probably within about five to 10% before we even dive into comparable sales of what it's worth. We could walk through a house within probably about three to five minutes and peg the renovation costs probably within about 10% now we still order an inspection, and that's where we uncover the things that we can't see, that maybe there's a bunch of rotted out joist or a foundation problem that we didn't see. So, but there's things aside we could walk through and we pretty much know, okay, it needs a roof that's 7000 it needs an air conditioner that's six flooring, two. So that's the expertise that we bring and like. So then the management part of it, on the back end, that kind of ties it all together with accountability.   Keith Weinhold  29:22   And I know that your typical project renovation cost tends to be about 25k just for simplicity, we use 20k in that example, and your completion times are shorter than others that have inexperienced crews. So tell us about that typical renovation time. Alex.   Alex Craig  29:39   every day we're accomplishing 500 so 25,000 divided by 500 comes to 50 days, 50 days. So we'll knock that out in about 50 days. And we just have a large network of subcontractors that we've been working with for years. If you weren't in the business, I think that'd be really hard to accomplish, and there's just a lot that. Goes into it. I mean, the renovating the homes, it's the once, it's the worst, it's the hardest thing that we do. For sure, it's definitely the most scheduling, but it's where, if you don't know what you're doing, a great deal turns into, how do I get out of this?   Keith Weinhold  30:15   Right, absolutely. Now, in our example, we used where an investor puts 60k into it for the purchase to start with, because I see the burst strategy is a good strategy. If someone doesn't have a lot of capital, like they would for maybe a new build property, can one even finance that initial purchase amount?   Alex Craig  30:35   Yeah, so private lending. So that's the part that makes if you've only got 50 grand to facilitate this entire process, and you want to try to repeat it as many times as you can. 50,000 would not be enough just to pay cash. So yes, we have private lending. We set that up. Sometimes we lend it ourselves. Sometimes we outsource it to some of our strategic partners, but we'll lend the money to buy and renovate the home. A typical what that loan would look like it's about 3.3 points of loan origination. So if you've got an $80,000 loan, that's $2,400 most lenders do require for you to bring that up front, and now you're in it for an $80,000 loan at 12% which, five years ago, that sounded crazy to borrow at 12% but with for private lending, that's not bad at all, especially you want to get in and out of it quickly. So if we're renovating the home, and you know, 50 days, if you're already pre approved with your lender, and they have all your documents by the time we finish renovating the home, the appraisals lined up, and you could be in and out of these private loans in about 90 days. That love that depends on the lending side, that you're giving the lender what they need. But ideally you want to be in these things about 90 to 120 days. So $80,000 loan at 12% that $800 a month. So if you're in it for 90 days, 800 times 320, 700 plus the loan origination fee. But that's how you do it. That's the you're just borrowing money to finance the acquisition, the rehab and the refinance   Keith Weinhold  32:03   that is an option for you if you don't have the cash here to come in with these burr strategy properties. Alex, tell us more about it. Really, what I would like to know is, when an investor gets their appraisal, their after repair value, how many want to sell it for a profit, and how many want to hold it with a tenant for long term income   Alex Craig  32:26   so far, zero. Want to sell it for a profit. If you're all in it for add and then you're selling for 100 once you sell it, there are other fees involved. You got to hire a realtor. Right now is a great time to hold it's a slow real estate market. I don't think Little Rock from an aspect, is where home ownership is down. I think that's a nationwide thing. So I think if you're going into this, you certainly want to look at it from perspective. This is a buy and hold. I don't think this is the best market to get into to buy something. Flip it with a in the example, we use a $20,000 margin with buyer concessions, realtor commissions. That's a lot of work involved. And let's just say it did work out. You sold it for 100 but you had to pay 2% closing in an agent fee, and you got some holding cost. Let's just say you netted 8000 that might be good for a six month return, but I feel like there's a lot of risk. I feel like our job as what we do for our clients, is to minimize risk. So someone came and said, Hey, I want to flip it. I would say, Well, I don't think it's the best market for it right now. I think you want to get into this buy and hold.   Keith Weinhold  33:29   Yes, Alex has been doing this for a long time, and he's a specific expert right there in that local market. Buy and hold is a strategy that most likely makes sense. And he also strongly recommends pay cash if possible, instead of using that 12% short term private lending option, like he mentioned before, because that can cut out about four to 5k worth of transactional cost. And then if you do buy and hold what Alex and his company offer there in Little Rock is essentially a cash flow boost, 0% management fee in year one and only 4% in year two. So that gives you some extra cash flow runway as well. And Alex, before I ask you if you have any last thoughts, I want to announce to you the audience, that we have a live event virtually next week, on July 17, at 8pm eastern for Little Rock BRRRRproperties that Alex is CO hosting with our investment coach, Naresh, where you can find these bird deals in this cash flowing market. In Little Rock you'll see actual bird deals recently completed with full breakdowns of their purchase prices, sort of these case studies, where you can see some real numbers and what the rehab budgets are and what the actual timelines were, and what the refi outcomes were like, and explore BRRRR ready properties that are currently available to own, if you so choose, on this upcoming live event that you can attend from the comfort of your own home. Learn the full process, from acquisition to renovation to property management to the financing of them, and again, everything is all handled by local experts, so that you don't have to live with the nightmare of remotely managing contractors, which I couldn't imagine doing. So whether you're a first time investor or you're scaling your portfolio, this is your chance to get boots on the ground, insight and a proven road map to burr success and really one of the most accessible markets in the country. Again, Alex here is CO hosting the event along with GRE investment coach, Naresh Vissa. It is a free, live virtual event again next week, Thursday, July 17, at 8pm Eastern. Sign up is open now at gre webinars.com it ought to be great. Alex, teaming with local experts like you has been of real benefit to our audience. Do you have any last thoughts about either Little Rock or burrs or the events that you're going to co host with our audience next week?   Alex Craig  35:57   So here's my last thought, as you were, you know, kind of concluding and I was reviewing what we had talked about. And one of the questions we get sometimes it's a fair question. It's like, well, if this is such a great deal, why don't you keep all the deals? So we hear that from time to time, and the simple answer is, we do. We do keep a lot of deals, and we're buying more real estate now, like I said, I feel like it's the easiest time to get into real estate. So we do, we do keep a lot. We're building a very large portfolio right now, but the house flipping to investors is just another business model that we have. And Property Management too. And we love property management, and we love building investor relationships. We've had a lot of investors we've had been with us since day one that we've developed really tight relationships with. So yes, we do keep a lot of the properties, and we sell properties too, and we and helps us build our management company, which you don't hear too many people say this, but we actually love property management. That's a hard thing to love, but we actually like it.   Keith Weinhold  36:54   That is more weird than Tom wheelwright loving taxes, perhaps, but Right. But I want to deal with somebody that really loves what they're doing, especially when they're protecting our asset and probably more importantly, when it comes to property management, protecting our time. So that's right, Alex, well, our viewers and listeners are really looking forward to it next week, again, that live event Thursday, July 17, at 8pm Eastern is something that you can sign up for now at grewebinars.com. Alex, we're looking forward to it next week.   Alex Craig  37:27   Bye, Keith, thank you.   Keith Weinhold  37:34   Oh yeah. Terrific overview on why the burr strategy can be so profitable. And our event next week. Now, when you rent your primary residence, which you would typically do in a high cost area, and then you own rental property elsewhere, typically a low cost area, do you know what that's called? Yeah, there is a name for that. Last week we spoke to two listener guests in California that are doing just that. That is called rentvesting. And yes, Little Rock is surely a popular low cost market for rentvesting. I have been on the ground myself in Little Rock with Alex's associate to do an on the ground tour of properties. There you want to tap into a system where you've got the guiding hand of both experience and belief. That's what you're doing here. As like he said, Alex personally owns 75 doors there. That is belief, and he's been doing this for out of area investors for 15 years. That's the experience part real proof of concept at next week's event, you'll be introduced to this same system where you can lean on their team for acquisition, renovation and management. Little Rock has an MSA population of about 770,000 but I think more importantly today, savvy investors are conscientious of keeping their expenses down, and for good reason, since they've been up all over the place. Now, the purchase price is 140 to 160k for these BRRRR optimized single family rentals. Remember that we used 100k just for ease of an example there, usually when you buy income property, you're really in at close to 25% of the purchase price when you add up the down payment and closing costs, but this way, you're in for just about half of that at 10 to 15% another low expense is that property tax, statewide, Arkansas Property Tax is just 610 of 1% so that's half the national average. And then your management expense is definitely going to be low for the first two years, because it is 0% in year one and 4% in year two. And these are properties that you can actually be pretty proud of. You'll learn more about this. Scope of work with a renovation on the webinar, often granite countertops in the kitchen is a live, remote event. So this means that you can have any of your questions answered in real time. Should you have them? As you can imagine, demand is high for these properties, and this is a chance to get connected directly with the team that makes it happen. We might never get Alex on an event like this again, and is co hosted with our GRE investment coach, Naresh. It's next week. It's free, Thursday, July 17, at 8pm Eastern, 5pm Pacific. Sign up now, or your future self might not be able to forgive yourself. You can do that now at grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:19   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  42:35   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

Welcome to episode #991 of Six Pixels of Separation - The ThinkersOne Podcast. Bob Goodson is President and Founder of Quid, an AI-driven company whose models are used by a third of the Fortune 50. Before launching Quid, he was the first employee at Yelp, where he witnessed (and helped shape) the birth of the like button. Bob's academic roots in language theory (Oxford) and his deep curiosity about patterns of innovation led him to co-author Like - The Button That Changed The World, an illuminating book about how a simple social media feature rewired global communication and commerce. In this episode, we dig into the origin story of the like button and its unintended consequences - from how it shaped the social graph into a tool of surveillance capitalism, to the unintended shifts it created in digital identity and culture. Bob shares insights into the “arms race” of social engagement, the design intentions behind digital signals, and the eerie power of such tiny UX decisions to shape massive behavioral patterns. We also discuss TikTok's model of engagement, the overlooked nuance of the thumbs down, and the responsibility of technologists in shaping society. For marketers, platform builders and cultural observers, this conversation is a deep dive into how the smallest code fragments can shape our biggest societal shifts. Enjoy the conversation… Running time: 52:16. Hello from beautiful Montreal. Listen and subscribe over at Apple Podcasts. Listen and subscribe over at Spotify. Please visit and leave comments on the blog - Six Pixels of Separation. Feel free to connect to me directly on Facebook here: Mitch Joel on Facebook. Check out ThinkersOne. or you can connect on LinkedIn. ...or on X. Here is my conversation with Bob Goodson. Like - The Button That Changed The World. Co-Author Martin Reeves. Quid. Follow Bob on LinkedIn. Chapters: (00:00) - The Birth of the Like Button. (04:02) - Evolution of User Interaction. (10:05) - The Emergence of Data Graphs. (14:59) - The Role of Thumbs Up and Down. (20:13) - Cultural Impact and Manipulation of Engagement. (27:03) - The Evolution of Social Media Strategies. (30:12) - The Arms Race for Attention in Social Media. (36:34) - The Impact of the Like Button on Identity. (41:43) - Regulation and the Unintended Consequences of Technology. (50:10) - Long-Term Perspectives on Technology and Society.

Few people developing artificial intelligence have as much experience in the field as Microsoft AI CEO Mustafa Suleyman. He co-founded DeepMind, helped Google develop its large language models and designed AI chatbots with personality at his former startup, Inflection AI. Now, he's tasked with leading Microsoft's efforts on its consumer AI products. On the latest episode of the Bold Names podcast, Suleyman speaks to WSJ's Christopher Mims and Tim Higgins about why AI assistants are central to his plans for Microsoft's AI future. Plus, they discuss the company's relationship with OpenAI, and what Suleyman really thinks about “artificial general intelligence.” Check Out Past Episodes: Booz Allen CEO on Silicon Valley's Turn to Defense Tech: ‘We Need Everybody.'  Venture Capitalist Sarah Guo's Surprising Bet on Unsexy AI  Reid Hoffman Says AI Isn't an ‘Arms Race,' but America Needs to Win  Salesforce CEO Marc Benioff and the AI ‘Fantasy Land'  Let us know what you think of the show. Email us at BoldNames@wsj.com Sign up for the WSJ's free Technology newsletter.  Read Christopher Mims's Keywords column . Read Tim Higgins's column.  Learn more about your ad choices. Visit megaphone.fm/adchoices

JPMorgan Chase recently announced that it was raising the annual fee on its popular Sapphire Reserve credit card by 45%. The company believes enough customers will stick around because of the status and exclusivity the card conveys. WSJ's Imani Moise reports on how credit card companies have increasingly attracted customers by offering perks. Jessica Mendoza hosts.  Further Listening: - The Unusual Economics of the Bilt Credit Card  - The Fight Over Your Credit Card Swipe  Sign up for WSJ's free What's News newsletter . Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Chat GPT, the only podcast where artificial intelligence takes the mic to explore the fascinating, fast-changing world of AI itself. From ethical dilemmas to mind-bending thought experiments, every episode is written and narrated by AI to help you decode the technology shaping our future. Whether you're a curious beginner or a seasoned techie, this is your front-row seat to the rise of intelligent machines—told from their perspective. Tune in for smart stories, surprising insights, and a glimpse into the future of thinking itself. Listen Ad Free https://www.solgoodmedia.com - Listen to hundreds of audiobooks, thousands of short stories, and ambient sounds all ad free!

TikTok leads, AI bots, and the decline of overpriced PPC, this is what real estate marketing looks like in 2025. While big operators burn through cash, smart teams are testing cheap traffic, building training data, and thinking ahead to the nextarms race: SEO for ChatGPT. If you're not already optimizing for AI-driven search, you're late. Get access to our real estate community, coaching, courses, and events at Wealthy University https://www.wealthyuniversity.com/Join our FREE community, weekly calls, and bible studies for Christian entrepreneurs and business people. https://www.wealthykingdom.com/ If you want to level up, text me at 725-527-7783!--- About Ryan Pineda: Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue. Ryan has amassed over 2 million followers on social media and has generat...

As the USMNT prepare for their quarterfinal matchup against Costa Rica, we discuss the elements of this team that we're most intrigued by. Can Freese really win the #1 job? Can Tim Ream reestablish himself as a starting CB for World Cup '26? Can Johnny Cardoso really play for Atletico Madrid but not the US' B-Team? Plus, we compare the transfer windows thus far for the Premier League's 3 leading title contenders - Liverpool, Manchester City and Arsenal. And finally, we analyze Brazil's standout Club World Cup as well as Argentina's disastrous one.ALSO: Head on over to Caught Offside Plus where we just released a really fun food-centric episode inspired by the hot and wild takes of Weston McKennie and Tim Weah.Just go to https://caughtoffside.supercast.com to sign up! Once you have access to the premium feed, be sure to go back and check out our special "welcome episode" from June 24th, 2024 (we don't think you'll be disappointed)!And for all the latest merch, get over to https://caughtoffsidepod.com/---Reddit: https://www.reddit.com/r/CaughtOffsidePod/X: https://twitter.com/COsoccerpodInstagram: https://www.instagram.com/caughtoffsidepod/Email: CaughtOffsidePod@gmail.comYoutube: https://www.youtube.com/@caughtoffsidepod Hosted on Acast. See acast.com/privacy for more information.

In this pre-recorded episode of The Daily Herold, Jon breaks down a packed day of historic Supreme Court decisions that limit nationwide injunctions, hand Trump a legal win on birthright citizenship, and affirm parents' rights to opt kids out of LGBTQ-themed school content. He unpacks the fascinating footnotes that call out partisan judges and describes how these rulings are forcing the judiciary back into its constitutional box. Jon also highlights the return of “Big Balls” Korestein, who reemerged at the Social Security Administration alongside former Doge engineers, fueling more questions about behind-the-scenes digital cleanups. He covers reports that Trump is preparing sweeping executive orders to accelerate AI development, sparking speculation about a rare earth trade thaw with China even as tensions escalate. Other topics include a fresh defamation lawsuit from Gavin Newsom against Fox News, oversight referrals seeking criminal charges against former FBI Director Wray for election interference, and the latest revelations about Biden's autopen approvals. Wrapping up, Jon showcases a liberal meltdown video, ponders drone mosquitoes, and previews the Badlands meetup in Lakeland. It's a rapid-fire tour through legal upheaval, technological brinkmanship, and the end of narrative control.

In the rapidly accelerating world of Artificial Intelligence, the pace of innovation can feel overwhelming. From groundbreaking advancements to the ongoing debate about governance and ethical implications, AI is not just a tool; it's a transformative force. As we race towards super intelligence and navigate increasingly sophisticated models, how do we ensure that human values remain at the core of this technological revolution? How do we, especially in the trust-based nonprofit sector, lead with intentionality and ensure AI serves humanity rather than superseding it?   In this episode, Nathan and Scott dive into the relentless evolution of AI, highlighting Meta's staggering $15 billion investment in the race for super intelligence and the critical absence of robust regulation. They reflect on the essential shift from viewing AI adoption as a finite "destination" to embracing it as an ongoing "journey." Nathan shares insights on how AI amplifies human capabilities, particularly for those who are "marginally" good at certain skills, advocating for finding your "why" and offloading tasks AI can do better. Scott discusses his recent AI governance certification, underscoring the complexities and lack of "meat on the bone" in US regulations compared to the EU AI Act. The conversation also explores the concept of AI agents, offering practical tips for leveraging them, even for those with no coding experience. They conclude with a powerful reminder: AI is a mirror reflecting our values, and the nonprofit sector has a vital role in shaping its ethical future.   HIGHLIGHTS  [01:15] AI Transformation: A Journey, Not a Destination [03.00] If AI Can Do It Better: Finding Your Human "Why"   [04:05] AI Outperforming Human Capabilities   [05:00] Meta's $15 Billion Investment in Super Intelligence  [07:16] The Manipulative Nature of AI and the "Arms Race" for Super Intelligence   [09:27] The Importance and Challenges of AI Governance and Regulation   [14:50] AI as a Compass, Not a Silver Bullet   [16:39] Beware the AI Finish Line Illusion   [18:12] Small Steps, Sustained Momentum: The "Baby Steps" Approach to AI   [26:48] Tip of the Week: The Rise of AI Agents and Practical Use Cases  [32.24] The Power of Curiosity in AI Exploration   RESOURCES  Relay.app: relay.app   Zapier: zapier.com   Make.com: make.com   N.io: n.io   Connect with Nathan and Scott: LinkedIn (Nathan): ⁠⁠⁠⁠⁠linkedin.com/in/nathanchappell/⁠⁠⁠⁠⁠ LinkedIn (Scott): ⁠⁠⁠⁠⁠linkedin.com/in/scott-rosenkrans⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠fundraising.ai/⁠

In today's episode of Hashtag Trending, hosted by Jim Love, we delve into several pressing technology and policy issues. First, we explore the backlash against Apple's new liquid glass interface introduced in iOS 26, which is being criticized for severe readability issues. This design update aimed at unifying the user experience across all Apple platforms is facing criticism for its lack of accessibility. Next, we discuss the No Fakes Act in the U.S. Congress, a legislative effort aimed at addressing the problem of AI-generated deep fakes. This bill, while intending to protect victims, is drawing fire for potentially creating a broad censorship infrastructure that could impact free speech and innovation. Lastly, we examine the escalating 'algorithmic arms race' in hiring practices, where both employers and job seekers are increasingly relying on AI. This dynamic is raising concerns about hidden biases in hiring algorithms and the loss of human judgment in recruitment processes. Additionally, we touch on Microsoft's recent controversy involving the sanctioning of International Criminal Court Chief Prosecutor Karim Khan, which has led to significant backlash and concerns over digital sovereignty. Tune in to explore these topics and more. 00:00 Introduction and Welcome 00:21 Apple's Liquid Glass Interface Controversy 02:46 The No Fakes Act: Balancing Protection and Censorship 06:30 AI in Hiring: An Algorithmic Arms Race 09:44 Microsoft's Controversial Compliance with US Sanctions 14:49 Conclusion and Contact Information

A year ago this week, Tova talked to James Acton, co-director of the Nuclear Policy Program at the Carnegie Endowment for International Peace in Washington, D.C. Amid wars in Europe and the Middle East, she wanted to assess the chances of a nuclear war breaking out and how it could start, play out and affect New Zealand. Safe to say the world's not got any calmer. So, in case you missed it first time round, here's Tova's arguably more-relevant-than-ever interview with James Acton. Learn more about your ad choices. Visit megaphone.fm/adchoices

Staying Ahead In The AI Arms Race With Payors As artificial intelligence takes a front seat in revenue cycle operations, providers are confronting a fast-changing landscape shaped by payor-driven automation. Denials are being issued in seconds. Post-payment reviews are ramping up. And compliance, once a back-office function, is now a strategic necessity. In this special Office Hours session, Stuart Newsome distills the most important insights from his AAPC HEALTHCON presentation and a prior HFMA segment—delivering a clear-eyed look at the AI arms race between payors and providers. The session will examine how payors are deploying AI to control costs, how providers can avoid costly compliance missteps, and what governance structures are needed to keep automation accountable. Attendees will leave with a practical understanding of the risks and remedies surrounding AI in healthcare RCM, plus actionable steps to build resilient compliance programs that evolve with the technology. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

NEWS: World faces new nuclear arms race, researchers warn | June 17, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

Steven's years at OpenAI ... An insider's view of the AI boom ... The real meaning of “Feel the AGI” ... AI safety's rationalist kernel ... What's really driving the AI arms race(s)? ... Is stifling China's AI development smart? ... Dario Amodei's geopolitical naivete ... Heading to Overtime ...

Steven's years at OpenAI ... An insider's view of the AI boom ... The real meaning of “Feel the AGI” ... AI safety's rationalist kernel ... What's really driving the AI arms race(s)? ... Is stifling China's AI development smart? ... Dario Amodei's geopolitical naivete ... Heading to Overtime ...

Microsoft, Alphabet, Amazon.com and Meta Platforms are set to spend $320 bln this year on data centres and other kit to power advanced chatbots. In this Viewsroom podcast, Breakingviews columnists explain why investors are willing to support a long game that will yield a return. Visit the Thomson Reuters Privacy Statement for information on our privacy and data protection practices. You may also visit megaphone.fm/adchoices to opt-out of targeted advertising. 

AI is helping payors deny claims faster than ever—are your compliance practices keeping up? Join Stuart Newsome for a concise, high-impact session covering key takeaways from his HEALTHCON talk and HFMA appearance, focused on staying compliant and competitive in the era of AI-driven RCM.Brought to you by www.infinx.com

Corporate Bitcoin buying just hit a new level: Trump Media is dropping $2.5 billion to ape into BTC, Saylor-style. But that's not all. Joseph Lubin just backed a $425M Ethereum treasury strategy that could make ETH the next reserve asset…Meanwhile, Kaido is turning Twitter influence into money printers, and Virtuals is back from the dead with a points-based Ponzi flywheel that's actually working. ~~~~~

In this explosive segment, new listeners are brought up to speed on the looming national energy crisis and what Energy Secretary Doug Burgum warns could become "Spain-style blackouts" if the U.S. continues its current energy policy. The episode dives deep into coal phase-outs, California's refinery shutdowns, and how overregulation threatens the grid. Tara and Burgum explore how China is pulling ahead in the AI arms race by ramping up coal energy production—while America risks falling behind due to what they describe as destructive green policies. President Trump's "Big Beautiful Bill" and his response to Elon Musk's criticism are also dissected, as is Trump's candid admission that he made critical judicial appointment mistakes during his first term. The conversation intensifies as it shifts to global issues, with Trump's surprising lack of awareness about recent developments in Ukraine, including NATO's aggressive moves and drone attacks inside Russia, raising alarms about potential escalation into World War III. This episode connects the dots between domestic policy, energy independence, global conflict, and what's at stake in 2024.

We talk about the looming threat of Ai. We talk about how no one actually wears nude underwear (especially Chris Pratt). We talk about Terminator and lazy computers

In this latest OIES podcast from the Electricity Programme, Dimitra Apostolopoulou talks to Senior Research Fellow David Robinson and Independent Researcher Plutarco Naranjo about the Oxford Energy Forum (OEF) issue titled “Artificial Intelligence (AI) and Its Implications for Electricity Systems”. In this podcast, we provide an overview the OEF and discuss David's and Plutarco's paper […] The post OIES Podcast – Artificial Intelligence (AI) and its implications for electricity systems: A focus on the AI arms race and electricity needs appeared first on Oxford Institute for Energy Studies.

GitHub Copilot has 15 million users—more than Cursor and Windsurf combined. So why does it feel like they're losing the AI coding race?Last week at Microsoft Build, I interviewed the CEO of GitHub Thomas Dohmke to find out.I wanted to know: Is their huge existing user base a blessing or a curse? And will their latest launch—an autonomous coding agent built into GitHub—let them retake the lead? Watch this episode of AI & I to find outIf you found this episode interesting, please like, subscribe, comment, and share! Want even more?Sign up for Every to unlock our ultimate guide to prompting ChatGPT here: https://every.ck.page/ultimate-guide-to-prompting-chatgpt. It's usually only for paying subscribers, but you can get it here for free.To hear more from Dan Shipper:Subscribe to Every: https://every.to/subscribe Follow him on X: https://twitter.com/danshipper Timestamps:Introduction (00:00:38)Copilot's place in the AI coding agent race (00:07:40)Inside the product decisions behind Copilot's new agent (00:10:42)How Dohmke thinks about shaping Copilot's personality (00:16:18)How GitHub supports both AI-native developers and legacy enterprise users (00:20:29)Dohmke's predictions for the future of software development (00:26:57)

In this episode of The GridIronStuds Show, Chad Wilson discusses the current landscape of college football, focusing on rivalries, team rankings, and the impact of the transfer portal and NIL on recruiting. He emphasizes the significance of historical rivalries, shares trivia about bowl wins, and highlights the impressive facilities being built for high school football. Finally, he offers insights into navigating the recruiting process in today's competitive environment.___________________Download the GridironStuds App and create your college football recruiting profile today: https://linktr.ee/gridironstudsFollow on Twitter: https://twitter.com/GridironStudsFollow on Instagram: https://www.instagram.com/gridironstuds/SUBSCRIBE NOW -- https://www.youtube.com/c/GridironStudscomChadWilson --------------------------------------------------------------------------------Also Follow Us On Social Media!!---------------------------------Instagram: https://www.instagram.com/gridironstuds/Twitter: https://twitter.com/GridironStudsFacebook: https://www.facebook.com/gridironstuds/

Are we out of the woods, or is recession still looming despite tariff relief? Moody’s downgrade puts US Treasuries under fresh scrutiny—should investors be worried? Retail investors are buying the dip—but is the strategy working? European defense ETFs gain ground amid rising global tensions. And in tech, from AI voices to AI arms races—is there anyway to decipher which companies are leading? Hosted by Michelle Martin with guest Swapnil Mishra, author of Investing for the Clueless, Reckless and Overly Cautious.See omnystudio.com/listener for privacy information.

Preview: Author Toby Wilkinson, "The Last Dynasty," reports the arms race for war elephants in the third century BCE. More.1895 AFGHANISTAN

Connect with Onramp // Onramp TerminalMatthew Pines on X // Bitcoin Policy Institute // BPI Policy SummitOnramp Trade: Enter "TLT" during sign-up for Onramp Trade and receive 50% off account fees and zero cost trading through September.The Last Trade: a weekly, bitcoin-native podcast covering the intersection of bitcoin, tech, & finance on a macro scale. Hosted by Jackson Mikalic, Michael Tanguma, Brian Cubellis, & Tim Kotzman. Join us as we dive into what bitcoin means for how individuals & institutions save, invest, & propagate their purchasing power through time. It's not just another asset...in the digital age, it's The Last Trade that investors will ever need to make.00:00 - Introduction to Matthew Pines04:02 - US-Saudi Investment Forum Overview08:09 - Geopolitical Implications of US Foreign Policy18:44 - Monetary Reordering and Dollar Dominance26:55 - Central Banks and Federal Debt Dynamics32:50 - Bitcoin's Role in the Global Monetary System41:59 - The Role of Capital in Strategic Competition44:30 - Covert Operations and Financial Markets46:26 - The Intersection of Bitcoin and National Security48:40 - The Strategic Bitcoin Reserve Discussion49:22 - Tipping Points in Bitcoin Policy56:31 - The Future of Bitcoin in U.S. Policy59:26 - Balancing Bitcoin Acquisition and Dollar Confidence01:02:22 - Innovative Financial Mechanisms for Bitcoin Acquisition01:06:55 - Bitcoin as a Hedge Against Disruption01:10:08 - The Overton Window Shift for Bitcoin01:13:54 - Disruptive Advanced Technologies01:16:00 - The Convergence of Bitcoin, AI, and Energy01:18:59 - BPI's Role in Bitcoin Advocacy01:22:52 - The Future of Bitcoin and Decentralization01:24:37 - Outro and DisclaimerPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

Welcome back to another episdoe of the Evolved Radio Podcast! In this episode, I'm joined by Peter Melby and Ryan Barton with New Charter Technologies.  Sure, AI is everywhere these days, but we cut through the hype to talk about how things actually changed when ChatGPT hit the scene and suddenly put powerful AI tools in the hands of everyone. Ryan shares how that breakthrough moment inspired him to roll up his sleeves and experiment with AI in real business scenarios. Peter talks about why New Charter decided to take a hands-on approach with AI, instead of just waiting around for vendors to figure it out. We talk honestly about what's working, what isn't, and why sometimes you just have to make your own path with new technology. If you want an inside look at how AI is impacting MSPs or you're just curious about what's really possible right now, tune in! We've got practical insights, plenty of candid takes, and even a few laughs along the way. This episode is brought to you by Opsleader Pro. A place for MSP owners and managers to get the systems and tools they need to build a stable and growing MSP. Part group coaching, part peer group, everything you need to run a successful MSP.

Two years ago, Max Junestrand was pitching his legal AI tool in Stockholm. Today, he leads one of the fastest-growing and most talked-about startups in the legal tech space. In this episode, Mary sits down with the CEO of Legora to unpack what's really happening at the intersection of AI and the legal industry—and what's coming next. In this episode: Zero to Ninety: How Legora grew from 3 co-founders in a tiny room to nearly 90 employees in under two years—and why growth at that pace is both exhilarating and challenging. The AI Arms Race: Why Max thinks we're past the “zero to one” moment in legal AI, and what “ten to one hundred” really looks like. Enterprise First: Legora's bold move to build for big firms from day one—and how they won over skeptical managing partners and corporate buyers. The ROI Reckoning: As CFOs tighten the purse strings in 2025, Max breaks down how law firms are thinking about pilots, platform fatigue, and showing real business impact. Training the Next Generation: Will AI kill the associate path? Max offers a candid take on why firms may not need as many junior lawyers—and why that doesn't mean the end of meaningful legal careers. Product or People? Mary and Max dive into why early buyers are betting more on startup teams than the tech itself—and how Legora is trying to earn that trust. The End of Point Solutions: With AI tools multiplying daily, Max predicts a shakeout is coming—and explains why orchestration and seamless user experience will win. Whether you're trying to roll out legal AI across a global firm or just keeping tabs on the tools reshaping the industry, this episode delivers a rare, candid look from a founder at the center of the storm. Follow Mary on LinkedIn Rate and review on Apple Podcasts

What's next for artificial intelligence beyond autonomous agents and next-gen language models? Sarah Guo, the founder of venture capital firm Conviction, is a rising star among Silicon Valley investors. She says the next big wave of AI innovation could transform the business world. What is she looking for in investment opportunities? And why does Guo say enterprise software is prime for transformation in the AI era? She speaks to WSJ's Christopher Mims and Tim Higgins on the latest episode of the Bold Names podcast. Check Out Past Episodes: ‘Businesses Don't Like Uncertainty': How Cisco Is Navigating AI and Trump 2.0 Humanoid Robot Startups Are Hot. This AI Expert Cuts Through the Hype. Reid Hoffman Says AI Isn't an ‘Arms Race,' but America Needs to Win Salesforce CEO Marc Benioff and the AI ‘Fantasy Land' Let us know what you think of the show. Email us at BoldNames@wsj.com Sign up for the WSJ's free Technology newsletter. Read Christopher Mims's Keywords column.  Read Tim Higgins's column. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the AI Rollup, from the Limitless Podcast. David, Ejaaz, and Josh break down the week's most important AI headlines, from OpenAI's $3B Windsurf acquisition and Google's full-stack AI play, to Visa and Mastercard preparing for agentic commerce. We explore the state of robotics, major interpretability challenges, and why the race to AGI may outpace our ability to understand it. Plus: AI ASMR, glow-up GPT, and why autonomous agents still kinda suck. Stay curious, this one's stacked.------

Connect with Onramp // Jackson Mikalic on XScarce Assets: a biweekly podcast presented by Onramp which delves into the emergent role of bitcoin in finance professionals' strategies and outlooks. Hosted by Jackson Mikalic, Scarce Assets provides invaluable insights for wealth managers aiming to outperform their peers in the decades ahead. Finance professionals everywhere know about stocks and bonds, but the macroeconomic outlook requires that serious investors pay close attention to another category: Scarce Assets.00:00 - Market Overview and Economic Landscape16:02 - The Role of Gold and Bitcoin in Current Economy29:37 - The Bond Market's Impending Crisis31:18 - The Shift Towards Gold and Neutral Assets34:47 - Understanding the Sovereign Debt Crisis36:58 - The Role of Central Banks and QE39:46 - China's Gold Reserves vs. U.S. Reserves41:52 - The Value of Gold in a Crisis43:10 - BRICS and Global Gold Dynamics47:31 - Integrating Bitcoin into Traditional Assets49:10 - The Need for a Monetary Reset50:55 - Lessons from the 1970s Market Volatility55:54 - The Relationship Between China and Bitcoin58:46 - The Arms Race for Sound Money Assets01:10:46 - Navigating the Fourth Turning: Historical Context01:18:46 - The Future of Money: Deflation and Accountability01:21:30 - The Journey of Education and Awareness01:30:10 - Outro & DisclaimerPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

Presented with limited interruptions by:http://patriot-protect.com/KYLE (15% off Protecting yourself from scams/Identity theft) *************** My guest is Skip Holst, co-founder of Patriot Protect. After the positive response regarding "Gold IRA scams," I decided an episode on the evolving landscape of cybersecurity would make sense. Take an hour and consider the importance of protecting personal information from data breaches and scams. Skip shares insights from his experience in the cybersecurity field, and we hone in on the psychology behind scams, the role of offshore scammers, and the dark web's impact on data trading. If you haven't considered the balance between convenience and security in online practices , this might help you consider your personal digital hygiene. keywords:cybersecurity, data breaches, personal information, scams, dark web, Patriot Protect, online safety, identity theft, data privacy, cybersecurity solutions, digital leads, scams, AI, cybersecurity, vulnerability, subscription model, Glen Gary leads, exploitation, awareness, protection

A cool new cheering section at Giants games, high tech toilets in the Dodgers clubhouse, two hot mic moments from games this week, Austin Wells gets his own burrito at Yankees Stadium, and Lauren asks if she's allowed to wear certain ballpark giveaways. Check out Patreon.com/BattingAround to support the show and get access to bonus episodes.

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Welcome to The Chopping Block – where crypto insiders Haseeb Qureshi, Tom Schmidt, Tarun Chitra, and special guest David Hoffman break down the biggest stories in crypto. This week: MicroStrategy clones are popping up, with Bitcoin-backed SPACs trying to replay Saylor's playbook. Meanwhile, Trump launches a memecoin for dinner invites, Zora kicks off a new era of “content coins,” and Ethereum faces an existential pivot. David Hoffman joins the crew to debate whether crypto's future is real innovation—or just financial theater. Show highlights

#NUKES ARMS RACE: IRAN, SAUDI ARABIA, INDIA, PAKISTAN. HENRY SOKOLSKI, NPEC. 1902 BOMBAY

Preview: Colleague Henry Sokolski Comments on the Eurasia Nuclear Arms Race Well Launched. More 1957 OPERATION PLU,BOB

Leaders from Peace House of Ashland and Peace Action join the Exchange to discuss the path to peace amid massive investments in new nuclear technology.

Leaders from Peace House of Ashland and Peace Action join the Exchange to discuss the path to peace amid massive investments in new nuclear technology.

In this episode, Salim and Peter dive into another segment of “WTF is Happening in Tech This Week” discussing Bitcoin's future, Mira Murati's new startup, the 2027 AI Paper, and more.   Recorded on April 22nd, 2025 Views are my own thoughts; not Financial, Medical, or Legal Advice. Salim Ismail is a serial entrepreneur and technology strategist well known for his expertise in Exponential organizations. He is the Founding Executive Director of Singularity University and the founder and chairman of ExO Works and OpenExO.  Join Salim's 10X Shift workshop: https://openexo.com/10x-shift Join Salim's ExO Community: https://openexo.com Twitter: https://twitter.com/salimismail  Learn more about Exponential Mastery: https://bit.ly/exponentialmastery ____________ I only endorse products and services I personally use. To see what they are,  please support this podcast by checking out our sponsors:  Get started with Fountain Life and become the CEO of your health: https://fountainlife.com/peter/ AI-powered precision diagnosis you NEED for a healthy gut: https://www.viome.com/peter  Get 15% off OneSkin with the code PETER at  https://www.oneskin.co/ #oneskinpod _____________ I send weekly emails with the latest insights and trends on today's and tomorrow's exponential technologies. Stay ahead of the curve, and sign up now:  Blog _____________ Connect With Peter: Twitter Instagram Youtube Moonshots Learn more about your ad choices. Visit megaphone.fm/adchoices

When we hear the term tumor or cancer, the image that often comes to mind is a bunch of bad cells next to normal ones, and growing. Like many things, it's just not that simple. How do the normal cells turn bad? Can our immune systems detect the cancer cell and kill it? Why does some initially successful chemotherapy stop working? Why does cancer spread? These are all great questions, since cancers of one kind or another will affect so many of us either as patients, friends, or loved ones. Well, basic science is providing some critical answers. In today's episode, Therese Markow and Dr. Ajit Nirmal discuss just these questions.    Key Takeaways: If we didn't have an immune system, we'd all get cancer.  Drug resistance continues to be the principal limiting factor to achieving cures in patients with cancer. Once a normal cell has turned cancerous, it is likely dividing much faster than a normal cell. This rapid cell division is error-prone and can lead to the accumulation of mutations at a much faster rate.   "I truly believe, with adequate basic understanding of the molecular underpinnings of cancer evolution, and how the tumor microenvironment helps it or promotes it, we will be able to predict the best course of action to target all cancer cells up until the very last one, and consequently to the patient." —  Dr. Ajit Nirmal   Connect with Dr. Ajit Nirmal: Professional Bio: https://scholar.harvard.edu/ajitjohnson/home  LinkedIn: https://www.linkedin.com/in/ajitjohnsonnirmal/    Connect with Therese: Website: www.criticallyspeaking.net Threads: @critically_speaking Email: theresemarkow@criticallyspeaking.net   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.  

Rajiv Shah, president of the Rockefeller Foundation and former head of USAID, has spent his career on the frontlines of the fight against global poverty. That gives him unique insight into the rapidly changing world of foreign aid and philanthropy. How are NGOs attempting to fill the funding gaps left as the Trump administration turns inward? Shah speaks to WSJ's Christopher Mims and Tim Higgins on the latest episode of the Bold Names podcast. Check Out Past Episodes: ‘Businesses Don't Like Uncertainty': How Cisco Is Navigating AI and Trump 2.0  Palmer Luckey's 'I Told You So' Tour: AI Weapons and Vindication Reid Hoffman Says AI Isn't an ‘Arms Race,' but America Needs to Win Let us know what you think of the show. Email us at BoldNames@wsj.com Sign up for the WSJ's free Technology newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

College sports are going through massive changes—from athlete pay drama to superconference realignment and transfer portal chaos, not to mention the giant class action lawsuit playing out now.Matt Brown, the publisher behind Extra Points and one of the top experts on the business of college athletics, joined the show to break it all down. We walked through the full history of college sports, the current money dynamics, and where things could be headed. (00:00) Meet Matt Brown: Expert in College Sports Business(03:09) The Origins of College Sports(06:31) The Evolution of College Sports Broadcasting(14:53) Title IX and Its Impact on College Athletics(17:53) The 1984 Supreme Court Decision and Its Aftermath(20:03) The SMU Death Penalty Scandal(22:19) Conference Realignment and the BCS Era(28:22) The Rise of Conference Television Networks(30:23) The Arms Race in College Sports Facilities(34:41) The Role of Boosters in College Sports(36:03) Financial Breakdown of Major College Sports Programs(37:04) Understanding Nonprofit Accounting in College Athletics(38:20) Revenue Generation in College Sports(40:34) Athletics as Enrollment Management(42:04) The Flutie Effect and University Applications(44:37) Conference Realignment and Financial Instability(48:58) The O'Bannon Case and Video Game Licensing(53:59) The Northwestern Unionization Attempt(58:19) The Alston Case and Educational Awards(01:02:11) Name, Image, and Likeness (NIL) Marketplaces(01:05:51) The Role of Collectives in College Sports(01:12:08) Dependability of Young Campaign Partners(01:13:03) Transfer Portal and Its Impact(01:15:56) Rise of NIL Agents and Handlers(01:17:40) Economic Incentives and Transfer Market(01:20:37) Challenges in NIL Enforcement(01:22:48) House Settlement and Future Implications(01:25:38) Allocation of NIL Funds by Universities(01:44:26) Potential Super Leagues and Investment Challenges(01:48:07) Concluding Thoughts on College SportsExecutive Producer: Rashad AssirProducer: Leah ClapperMixing and editing: Justin HrabovskyCheck out Unsupervised Learning, Redpoint's AI Podcast: https://www.youtube.com/@UCUl-s_Vp-Kkk_XVyDylNwLA

In this episode, Tom Bilyeu dives into the complexities of the current geopolitical and economic landscape as he addresses the escalating tariff exchanges between the U.S. and China. The conversation explores the implications of these trade tensions on global markets, highlighting the political strategies at play, including Trump's controversial tactics and their potential impact on small businesses. Tom also reflects on the broader horizon, pondering the future of manufacturing amid technological advancements like AI and robotics. SHOWNOTES 00:00 "Tariffs as Strategic Negotiation Tool" 07:04 "Debt Cycle Complexity Unfolding" 18:12 Resource Wars: Democracy vs. Authoritarianism 23:45 "American Workers vs. Chinese Efficiency" 33:30 China's Economic Dilemma: Stimulation vs. Deflation 44:11 Scrutinizing Budget Reallocation Decisions 56:09 Caution on Germline Gene Editing 01:15:45 AI Revolutionizing Biological Discoveries CHECK OUT OUR SPONSORS Audible: Sign up for a free 30 day trial at https://audible.com/IMPACTTHEORY  ButcherBox: Ready to level up your meals? Go to https://ButcherBox.com/impact to get $20 off your first box and FREE bacon for life. Vital Proteins: Get 20% off by going to https://www.vitalproteins.com and entering promo code IMPACT at check out Upway: Get $150 OFF any purchase over a thousand when you use code IMPACT at https://upway.co. Kettle & Fire: Get 20% off your first order at https://kettleandfire.com/impact with code IMPACT  Netsuite: Download the CFO's Guide to AI and Machine Learning at https://NetSuite.com/THEORY Found: Try Found for FREE at https://found.com/impact Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Thrive Market: ​​Go to https:thrivemarket.com/impact for 30% off your first order, plus a FREE $60 gift! American Alternative Assets: If you're ready to explore gold as part of your investment strategy, call 1-888-615-8047 or go to https://TomGetsGold.com Tech Unheard: Tune into Tech Unheard from Arm and NPM—wherever you get your podcasts. iTrust Capital: Use code IMPACTGO when you sign up and fund your account to get a $100 bonus at https://www.itrustcapital.com/tombilyeu  Mint Mobile: If you like your money, Mint Mobile is for you. Shop plans at https://mintmobile.com/impact.  DISCLAIMER: Upfront payment of $45 for 3-month 5 gigabyte plan required (equivalent to $15/mo.). New customer offer for first 3 months only, then full-price plan options available. Taxes & fees extra. See MINT MOBILE for details. ********************************************************************** What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Mark Zuckerberg's Meta plans to build a massive data center in one of the poorest corners of Louisiana. We talk to reporter Jennifer Hiller about the hopes and worries it's stirred there. Plus, tech companies going all in on AI expect Trump's sweeping tariffs will drive up their costs, but for many it's a price they'll have to pay.  Sign up for the WSJ's free Technology newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Brooke and Tyler peer into the past in order to witness the founding of the Oathpact, a terribly-trippy Hoid, and learn all about the ever-escalating arms race between Honor and Odium. #AllSpoilers Support this podcast by becoming a Patron on Patreon (https://www.patreon.com/CosmereConversations) Original music by David Gruwier (https://twitter.com/DGruwier). "Radiant" (https://www.youtube.com/watch?v=A5CFAZUv4C0) by David Gruwier.

Few people sit at the nexus of business and politics like Cisco CEO Chuck Robbins. As head of a company that makes much of the infrastructure underlying the internet and artificial intelligence systems, and as chairman of the lobbying group Business Roundtable, Robbins has a unique perspective on the rapid changes facing both Silicon Valley and Washington, D.C. How is he navigating this moment? And what lessons did he learn from playing basketball with an all-time legend? Robbins speaks to WSJ's Christopher Mims and Tim Higgins on the Bold Names podcast.  Check Out Past Episodes: Could Amazon's Zoox Beat Tesla and Waymo in the Robotaxi Race? Palmer Luckey's 'I Told You So' Tour: AI Weapons and Vindication  Humanoid Robot Startups Are Hot. This AI Expert Cuts Through the Hype.  Reid Hoffman Says AI Isn't an ‘Arms Race,' but America Needs to Win  Let us know what you think of the show. Email us at BoldNames@wsj.com Sign up for the WSJ's free Technology newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to part two of this captivating episode of "Impact Theory with Tom Bilyeu," as Tom continues his conversation with the brilliant Ben Horowitz. In this segment, they delve deeper into the intricacies of AI, discussing its finite capabilities compared to human intelligence and what it means for future job markets. They explore the roles of intelligence in leadership, the societal impact of enhanced automation, and the potential of blockchain technology to counteract AI's challenges. As Ben highlights the significance of maintaining a world-class stance in crypto for societal stability in the age of AI, this half of the episode promises to challenge preconceived notions and introduce groundbreaking concepts about the future of technology and humanity. Tune in for a thought-provoking discussion on how we can coexist and thrive alongside these digital advancements. SHOWNOTES: 13:36 - AI's Limitations Compared to Human Intelligence 17:59 - The Role of Intelligence in Leadership 22:41 - Societal Impact of Automation 27:32 - Blockchain's Role in the Age of AI 33:23 - Maintaining a World-Class Crypto Presence 40:41 - Predictions and Controversial Views on Future Tech FOLLOW BEN HOROWITZ: Twitter: https://twitter.com/bhorowitz CHECK OUT OUR SPONSORS Range Rover: Range Rover: Explore the Range Rover Sport at https://rangerover.com/us/sport Audible: Sign up for a free 30 day trial at https://audible.com/IMPACTTHEORY  Vital Proteins: Get 20% off by going to https://www.vitalproteins.com and entering promo code IMPACT at check out Thrive Market: ​​Go to https:thrivemarket.com/impact for 30% off your first order, plus a FREE $60 gift! Tax Network: Stop looking over your shoulder and put your IRS troubles behind you. Call 1-800-958-1000 or visit https://tnusa.com/impact ITU: Ready to breakthrough your biggest business bottleneck? Apply to work with me 1:1 - https://impacttheory.co/SCALE American Alternative Assets: If you're ready to explore gold as part of your investment strategy, call 1-888-615-8047 or go to https://TomGetsGold.com Mint Mobile: If you like your money, Mint Mobile is for you. Shop plans at https://mintmobile.com/impact.  DISCLAIMER: Upfront payment of $45 for 3-month 5 gigabyte plan required (equivalent to $15/mo.). New customer offer for first 3 months only, then full-price plan options available. Taxes & fees extra. See MINT MOBILE for details.  ********************************************************************** What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us for part one of this enlightening episode of "Impact Theory with Tom Bilyeu," where Tom converses with the insightful Ben Horowitz, co-founder of the venture capital firm Andreessen Horowitz, known for his deep understanding of technology and business strategy. In this first segment, they dive into the transformative impact of artificial intelligence and its broader implications on society. Ben shares his thoughts on how technological advancements, like AI, can disrupt existing industries and the challenges of ensuring these innovations benefit all, rather than just a select few. The conversation addresses the potential misconceptions and misnamed aspects of AI, the historic parallels with past technological shifts, and considerations for the future workforce. Horowitz offers a perspective on how AI could shape new jobs and eliminate others, emphasizing the importance of human creativity and adaptability in this rapidly changing landscape. SHOWNOTES: 00:00 - Welcome and Introduction of Ben Horowitz 00:26 - Impact of AI on Society and Innovation 02:23 - Misconceptions about AI 04:17 - Historic Parallels with Past Technological Shifts 06:07 - Human Creativity and New Job Creation 08:55 - Future Workforce and Adaptability 11:32 - Balancing AI Development and Regulation FOLLOW BEN HOROWITZ: Twitter: https://twitter.com/bhorowitz CHECK OUT OUR SPONSORS Range Rover: Range Rover: Explore the Range Rover Sport at https://rangerover.com/us/sport Audible: Sign up for a free 30 day trial at https://audible.com/IMPACTTHEORY  Vital Proteins: Get 20% off by going to https://www.vitalproteins.com and entering promo code IMPACT at check out Thrive Market: ​​Go to https:thrivemarket.com/impact for 30% off your first order, plus a FREE $60 gift! Tax Network: Stop looking over your shoulder and put your IRS troubles behind you. Call 1-800-958-1000 or visit https://tnusa.com/impact ITU: Ready to breakthrough your biggest business bottleneck? Apply to work with me 1:1 - https://impacttheory.co/SCALE American Alternative Assets: If you're ready to explore gold as part of your investment strategy, call 1-888-615-8047 or go to https://TomGetsGold.com Mint Mobile: If you like your money, Mint Mobile is for you. Shop plans at https://mintmobile.com/impact.  DISCLAIMER: Upfront payment of $45 for 3-month 5 gigabyte plan required (equivalent to $15/mo.). New customer offer for first 3 months only, then full-price plan options available. Taxes & fees extra. See MINT MOBILE for details.  ********************************************************************** What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Reid Hoffman is the co-founder of LinkedIn and a leading voice in AI innovation. He's out with a new book, Superagency: What Could Possibly Go Right with Our AI Future? Hoffman joins Preet to discuss how he thinks AI can help us be more human, why DeepSeek had Silicon Valley in a frenzy, and Hoffman's latest venture: using AI to cure cancer.   Plus, Preet breaks down why over a dozen FBI agents are suing the Trump administration, how to be a public servant in the Trump era, and why going to law school is still a good idea. Show notes and a transcript of the episode are available on our website.  Have a question for Preet? Ask @PreetBharara on Threads, or Twitter with the hashtag #AskPreet. Email us at staytuned@cafe.com, or call 669-247-7338 to leave a voicemail. Stay Tuned with Preet is brought to you by CAFE and the Vox Media Podcast Network. Learn more about your ad choices. Visit podcastchoices.com/adchoices