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  • 4,189PODCASTS
  • 8,198EPISODES
  • 34mAVG DURATION
  • 5DAILY NEW EPISODES
  • Aug 7, 2022LATEST
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Best podcasts about assets

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Latest podcast episodes about assets

New Money Gang
BEST Way to Keep Your Web3 Assets Safe

New Money Gang

Play Episode Listen Later Aug 7, 2022 6:32


NOT YOUR KEYS... NOT YOUR COINS! In this video we're going to be talking about how to keep your assets secure in the metaverse. One of the key advantages of crypto is the fact that it allows you to take self-custody of your own assets and become your own bank, or in the case of NFTs, become your own art gallery or storage warehouse.

Passive Investing from Left Field
76. Ditch The Spreadsheets And Track Your Syndications And Other Assets On Vyzer With Litan Yahav

Passive Investing from Left Field

Play Episode Listen Later Aug 7, 2022 40:57


Vyzer is a wealth management tool that was designed to monitor and track all of the standard financial asset classes. But what's most exciting about this tool is how it has been optimized to track passive syndication investments. Litan Yahav explains how Vyzer works in this conversation with Jim Pfeifer. Litan started out developing hardware and software for photographing and displaying diamonds online for trading. After he sold the company, he and his partner decided to invest on their own rather than go with a standard wealth manager.  They found real estate syndications and started allocating capital but soon found that there was no software solution for tracking syndication investments - so they decided to build their own.  This was the beginning of Vyzer - the complete wealth management tool that allows you to track all of your financial assets, including syndications and private placements.   Tune in to this episode to learn how to ditch your spreadsheets and get started with Vyzer!

No Agenda
1475 - "Vaccident"

No Agenda

Play Episode Listen Later Aug 7, 2022 186:06


No Agenda Episode 1475 - "Vaccident" "Vaccindent" Executive Producers: Sir Anthony, Knight of the Coquille River Valley. Todd McGreevy Sir Goodbook Sir Wire and Dame Jazzy of the Hidden Jewell Richard Harris Darren Associate Executive Producers: Dame Amazeballs and Robert Willey Tammy Collins Bryan Helfst Adi Hrapovic Become a member of the 1476 Club, support the show here Boost us with with Podcasting 2.0 Certified apps: Podfriend - Breez - Sphinx - Podstation - Curiocaster - Fountain Title Changes Sir Timothy Brashears -> Baron Knights & Dames Bill Reveal -> Sir William Reveal, Knight of the Internet Revealed Richard Hedenberg -> Sir Richard. Knight of northern Småland (smaaland). Art By: Sir Net Ned End of Show Mixes: Sound Guy Steve - Lee O LaPuke - Tom Starkweather Engineering, Stream Management & Wizardry Mark van Dijk - Systems Master Ryan Bemrose - Program Director Back Office Aric Mackey Chapters: Dreb Scott Clip Custodian: Neal Jones NEW: and soon on Netflix: Animated No Agenda No Agenda Social Registration Sign Up for the newsletter No Agenda Peerage ShowNotes Archive of links and Assets (clips etc) 1475.noagendanotes.com New: Directory Archive of Shownotes (includes all audio and video assets used) archive.noagendanotes.com RSS Podcast Feed Full Summaries in PDF No Agenda Lite in opus format NoAgendaTorrents.com has an RSS feed or show torrents Last Modified 08/07/2022 16:54:19This page created with the FreedomController Last Modified 08/07/2022 16:54:19 by Freedom Controller

London Real
ROBERT KIYOSAKI - The World Economy Is On The Edge Of Crisis: How To Survive Soaring Inflation

London Real

Play Episode Listen Later Aug 7, 2022 116:24


Watch the Full Episode for FREE:  https://londonreal.tv/robert-kiyosaki-the-world-economy-is-on-the-edge-of-crisis-how-to-survive-soaring-inflation/ 

The Dentalpreneur Podcast w/ Dr. Mark Costes
1507: Assets and Wealth Generation

The Dentalpreneur Podcast w/ Dr. Mark Costes

Play Episode Listen Later Aug 5, 2022 43:24


Returning guest Dr. David Phelps sits down with Dr. Mark Costes today for more insights on building wealth and cash flow outside the practice.  Himself a former practice owner, David founded the Freedom Founders Mastermind Community helping dentists achieve financial freedom through real estate investing.  Here he shares his views on passive income, debt, savings, taxes and creating a sustainable, predictable, inflation-hedged investment portfolio. EPISODE RESOURCES Freedomfounders.com doctorphelps.com inflationbook.com https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast Visit the Dentalpreneur Podcast website Write a Review on iTunes

Creating Wealth through Passive Apartment Investing
EP#274 Utilizing Self-directed IRAs to purchase assets and avoid taxes with Derreck Long

Creating Wealth through Passive Apartment Investing

Play Episode Listen Later Aug 5, 2022 30:24


This recording features Derreck Long, the Senior IRA Specialist at Quest Trust Company. If you wanted to become wealthy you had to do what others won't—this led Derreck Long to become a Self-Directed IRA and Solo 401K Expert in 2017. Since then he has earned multiple certifications, including a CISP from the American Banking Association, spoken at hundreds of events across the U.S., and even partaken in Lobbyist efforts with Congress. Derreck puts forth the basics of Self Directed IRA and shares how you can make the most out of your IRAs and utilize them to run businesses, get tax deductions. Connect with Derreck on LinkedinGrab your freebie - Tips for Multifamily Investing at www.ushacapital.comFound this episode insightful? Show us some love by spreading the word on social media or  rating and reviewing the show here - https://podcasts.apple.com/us/podcast/multifamily-ap360/id1522097213Follow Rama on socials!LinkedIn | Meta | Twitter | InstagramConnect to Rama KrishnaE-mail: info@ushacapital.comWebsite: www.ushacapital.comTags: BusinessMultifamily ApartmentDisruption Works Chit Chat - Chatbots, Voicebots & Automation, with the odd lobster!Lively chats about discussing how to automate your conversation without annoying customersListen on: Apple Podcasts Spotify

Real Estate Investing For Cash Flow Hosted by Kevin Bupp.
FBF #471: Creating Wealth by Taking Run-Down or Obsolete Commercial Properties and Repositioning Them Into Cash Flowing Assets - with Ash Patel

Real Estate Investing For Cash Flow Hosted by Kevin Bupp.

Play Episode Listen Later Aug 5, 2022 60:02


Today's Flash Back Friday Episode is from Episode #124, which originally aired on September 20, 2016. In this week's show we'll be speaking with commercial real estate investor, Ash Patel. Ash is quite the visionary as he commonly takes vacant and/or commercial properties and repositions them into highly valuable investments. And the best part, Ash did most of this all while working a full-time IT job. He has since gone full-time as a Real estate Investor, but you could say that he built a very successful real estate investment business in his part-time. I'm positive that you'll find our show with Ash both inspiring and motivational…I know I did. Here's what you'll learn in todays show. How Ash made the transition from being a full-time IT consultant to a full-time real estate investor. Why he prefers commercial investments to residential? The reasons why he was forced him to remain vacant for more than 6 months in one of his multifamily properties and the lessons he learned from this experience. Why he feels local bank relationships are paramount in this business, especially when it comes to smaller scale commercial projects. The opportunity he saw in a vacant single use tenant building that had an abnormally small amount of parking and turn it into a highly desirable asset. How he's been able to find all of his recent deals without having to do any direct marketing strategies like direct mail or cold calling. How he's been able to hedge his risk from another potential real estate down cycle by negotiating longer terms with his banks and also selling off any of his higher priced assets. Why he feels that there are a ton of opportunities that exist on the local MLS, not Loopnet or CoStar, but the local MLS. The reasons he wishes he would have sought out a mentor in the very beginning to help offset his learning curve and how he would have gone about finding this mentor. Learn About Investment and Partnership Opportunities with Kevin and His Team  Recommended Resources:  Check out our company and our investment opportunity by visiting www.SunriseCapitalInvestors.com Self Directed IRA Investment Opportunity – Click Here To Learn More About How You Can Invest With Us Through Your SDIRA Accredited Investors Click Here to learn more about partnering with me and my team on Mobile Home Park deals! Grab a free copy of my latest book “The 21 Biggest Mistakes Investors Make When Purchasing their First Mobile Home Park…and how to avoid them MobileHomeParkAcademy.com Schedule your free 30 minute "no obligation" call directly with Kevin by clicking this link https://www.timetrade.com/book/KV2D2

London Real

Watch the Full Episode for FREE:  https://londonreal.tv/robert-kiyosaki-the-world-economy-is-on-the-edge-of-crisis-how-to-survive-soaring-inflation/ 

No Agenda
1474 - "Heart Dart"

No Agenda

Play Episode Listen Later Aug 4, 2022 191:01 Very Popular


No Agenda Episode 1474 - "Heart Dart" "Heart Dart" Executive Producers: Sir Onymous of Dogpatch and Lower Slobbovia Sir Bob the Unready of the Hilltop Sir Valance Sir Roland, Knight of all Polynesia Jonathan Kelber Casey Smith Danya Peck Associate Executive Producers Adam Ohler Nola Ranallo Sir Mile High Mark Keith and Ruth Ann Rittgers Dawn Igler Become a member of the 1475 Club, support the show here Boost us with with Podcasting 2.0 Certified apps: Podfriend - Breez - Sphinx - Podstation - Curiocaster - Fountain Knights & Dames William B -> Sir Valance Bob Danielson -> Sir Bob the Unready of the Hilltop Roland Sherwood -> Sir Roland, Knight of all Polynesia Aidan Kunath -> Sir Aidan, Mayor of Titty City John Someone > Sir Blocked Emails Art By: Nessworks End of Show Mixes: Deez Laughs - Neal Jones - Hugh Allison Engineering, Stream Management & Wizardry Mark van Dijk - Systems Master Ryan Bemrose - Program Director Back Office Aric Mackey Chapters: Dreb Scott Clip Custodian: Neal Jones NEW: and soon on Netflix: Animated No Agenda No Agenda Social Registration Sign Up for the newsletter No Agenda Peerage ShowNotes Archive of links and Assets (clips etc) 1474.noagendanotes.com New: Directory Archive of Shownotes (includes all audio and video assets used) archive.noagendanotes.com RSS Podcast Feed Full Summaries in PDF No Agenda Lite in opus format NoAgendaTorrents.com has an RSS feed or show torrents Last Modified 08/04/2022 16:48:09This page created with the FreedomController Last Modified 08/04/2022 16:48:09 by Freedom Controller

Dynasty Vipers Viper Cast
Top 5 Fantasy Football Assets | Indianapolis Colts

Dynasty Vipers Viper Cast

Play Episode Listen Later Aug 4, 2022 6:28


Indianapolis Colts The 2022 fantasy football season is closer every day, so it's time to look at which players carry the most fantasy value moving forward, especially in those dynasty leagues. It's better to move on too early than too late. Let's look at the Indianapolis Colts and which 5 players on their current roster offer the most value for fantasy managers for 2022 and for dynasty. Stay tuned for more NFL news, once a big signing or trade goes down we have you covered right here, on the Vipers Network. Head to fantasypoints.com and subscribe today. Use promo code VIPERS22 and save 10% off that subscription

The DotCom Magazine Entrepreneur Spotlight
Joey DiDomenico, Founder and CEO, Vetted Retirement Technologies, A DotCom Magazine Interview

The DotCom Magazine Entrepreneur Spotlight

Play Episode Listen Later Aug 4, 2022 30:31


About Joey DiDomenico and Vetted Retirement Technologies: To know if a particular asset can be held in a particular retirement account that is owned by a particular person requires answers to a minimum of 11 questions for the simplest transaction available. The average transaction, the purchase of private stock for example, requires about 20. Buying an asset, with partners, from people whom you have done business with in the past, and with acquisition indebtedness requires more than 50. The universe of questions that could be asked about a transaction in a retirement account is in the thousands. But no matter how complex the situation is, a conclusive review of the transaction can be done within a few minutes when the right questions are presented simply and with precision. Millions of non-standardized assets are held in retirement accounts today where stakeholders are missing vital information. This can be changed with Vetted. There is considerable lack of reporting by retirement account stakeholders today because of the difficulties in acquiring and processing accurate information. Custodians and trustees, the IRS, account owners, and other stakeholders struggle for different reasons. Vetted provides elegant solutions. The US Treasury forgoes $40b a year in tax revenue from income deferral to retirement accounts. The opportunity afforded to US Taxpayers to save for their retirement is limited in scope and scale. There are taxable events that happen related to retirement accounts. Vetted can narrow the tax gap. Investments in retirement accounts have ongoing limitations. Assets held inside retirement accounts have ongoing constraints with regards to parties they can deal with, how they are sold or leveraged, and other limitations. Changes to the activity or structure of these assets could change their requirements for reporting, taxation, and the ability for the retirement account itself to continue to be considered a retirement account.

SuperMamas
Episode 322: Protecting Your Assets and Family: Estate Planning 101 with attorney, Carmen Rosas

SuperMamas

Play Episode Listen Later Aug 4, 2022 56:08


Death is not an easy topic to talk about... for some people, at least. This week our guest is attorney Carmen Rosas, and we're talking about something she's very comfortable discussing: estate planning. We'll admit, we had a lot of questions for her because we're in the midst of making our own plans! We learned how to choose the best plans for our families when we're gone, what to do when it comes to our assets and most importantly, how to make plans for our children in case something unexpected happens. Everyone has different priorities and requests when it comes to their last days, and Carmen's mission is to help us feel confident in making the best decisions for ourselves - and she definitely accomplishes that with us. For full notes, visit http://supermamas.com Like us on https://www.facebook.com/supermamaspodcast/ Double tap on https://www.instagram.com/_supermamas/

Moon Money
FTX To Save Voyager (100% of Assets Returned)?!

Moon Money

Play Episode Listen Later Aug 3, 2022 4:34


FTX To Save Voyager (100% of Assets Returned)?! RISK WARNING: Trading involves HIGH RISK and YOU CAN LOSE a lot of money. Do not risk any money you cannot afford to lose. Trading is not suitable for all investors. We are not registered investment advisors. We do not provide trading or investment advice. We provide research and education through the issuance of statistical information containing no expression of opinion as to the investment merits of a particular security. Information contained herein should not be considered a solicitation to buy or sell any security or engage in a particular investment strategy. Past performance is not necessarily indicative of future results.

Locked On Hornets - Daily Podcast On The Charlotte Hornets
The Hornets Name a Coaching Staff PLUS Do the Hornets Even Have the Assets to Trade for Donovan Mitchell?

Locked On Hornets - Daily Podcast On The Charlotte Hornets

Play Episode Listen Later Aug 3, 2022 48:11


The Hornets finally name a coaching staff under Steve Clifford that includes a few holdovers. Does this confirm the Kenny Atkinson rumors? Should we be optimistic about the staff? Plus Walker and Doug question whether the Hornets have enough assets to land Donovan Mitchell compared to other franchises. Finally LOH addresses the Deshaun Watson verdict and discuss the Miles Bridges case. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. MEGAPHONE:  Follow & Subscribe to the Locked On Hornets Podcast on these platforms

Dynasty Vipers Viper Cast
Top 5 Fantasy Assets | Houston Texans

Dynasty Vipers Viper Cast

Play Episode Listen Later Aug 3, 2022 6:40


Houston Texans #Texans #WeAreTexans The 2022 fantasy football season is closer every day, so it's time to look at which players carry the most fantasy value moving forward, especially in those dynasty leagues. It's better to move on too early than too late. Let's look at the Houston Texans and which 5 players on their current roster offer the most value for fantasy managers for 2022 and for dynasty. Stay tuned for more NFL news, once a big signing or trade goes down we have you covered right here, on the Vipers Network. Head to fantasypoints.com and subscribe today. Use promo code VIPERS22 and save 10% off that subscription

Baby got Business
Vom Spiegelselfie zur erfolgreichen Unternehmerin mit Karo Kauer

Baby got Business

Play Episode Listen Later Aug 3, 2022 65:04


Wir sind zurück aus der Sommerpause - und das gleich mit einer super spannenden Gästin: Karo Kauer. Karo ist Unternehmerin, Creatorin und Mama. 550k User*innen folgen ihr auf Instagram und fast die Hälfte davon schauen regelmäßig ihre Stories. Ihre Engagementrate liegt bei 3,8 % - das ist verdammt viel. Beeindruckend, aber dass Influencer sehr erfolgreich sind, ist nichts Neues. Aber statt sich auf Werbepartnerschaften auszuruhen, geht Karo viele Schritte weiter: Sie baut ihr eigenes Logistikunternehmen in Eislingen auf, verkauft 6000 Parfums in 12 Stunden, berät jetzt selber Influencer und lässt finanziell smart alle ihre Marken unter einer neuen Holdingstruktur wachsen. Sie verrät uns, was Spiegelselfies mit ihrem jetzigen Unternehmen zu tun haben. Wie sie zu ihrer loyalen Community gekommen ist und was die drei großen Säulen ihres Erfolgs sind. Eine inspirende Folge über modernes Unternehemertum! Timecodes: 06:20 - Wie sieht ein typischer Tag bei Karo Kauer aus? 09:13 - Wann wurde aus dem Spiegelselfie ein Business? 23:50 - Das Geheimnis der loyalen Community 33:19 - Struktur des Unternehmens 39:19 - Parfum Erfolg 46:39 - Die Angst vor Shitstorms 57:13 - Wie schafft Karo es, sich zu organisieren? Werbepartner in dieser Folge: Volksbank Diese Folge wird präsentiert von den Volksbanken Raiffeisenbanken. Wusstest du, dass es Banken gibt, die nicht irgendwelchen Aktionär*innen gehören, sondern ganz normalen Leuten? Das sind die Volksbanken Raiffeisenbanken. Das ist eine Genossenschaftsbank, die also den Mitgliedern gehört. Die Vorteile der Kund*innen stehen immer an erster Stelle: Alle Kund*innen können Mitglieder werden und Anteile erwerben. Soziale und kulturelle Projekte (vor allem regional) werden unterstützt. Du kannst mitbestimmen, wo es lang geht. Noch mehr Informationen findest du unter: vr.de/mitglied Intermate Meine Freund*innen von Intermate suchen weiter fleißig nach neuen Kolleg*innen und freuen sich auf Eure Bewerbung. Die Agentur ist mit über 120 Kolleg*innen zu einem echten Social Media Powerhouse herangewachsen und setzt Projekte aus allen Bereichen des Social Media Marketings um. Von Influencer-Kampagnen über die Betreuung der Social Media Kanäle und der Produktion der richtigen Assets arbeiten die Kolleg*innen für Kunden wie Volkswagen, Beiersdorf, ALDI Nord, Deichmann, TikTok, Sportligen wie die NFL oder DFL und viele viele weitere. Das ganze wird gesteuert aus Berlin, Hamburg und Köln sowie natürlich Remote je nachdem, wo Ihr wohnt! Bewerbung gern an podcast@intermate.de oder über www.intermate.de und dort im Bereich der Jobs! Hier findest du mehr über mich: Website Instagram Instagram Baby Got Business LinkedIn Impressum Hier findest du mehr über Karo: Website Instagram Erwähnte Inhalte: Karo Kauer Label Kauer Konsulting Karo Kauer Café Let's rock it, deine Anni

Dynamic Independence
From Product To Service - Zero Assets

Dynamic Independence

Play Episode Listen Later Aug 2, 2022 56:54


We sit down and talk from product to service. Why do you want to own your device? You want the service, right? Or is that wrong? What is the potential fallout from this type of action? Leasing your life will become the new trend. Also, is buying that electric car and using solar panels really better for the environment? How will this affect the energy crisis in Germany? Or can it be solved overnight? And, is the conflict in Asia about to be the new Ukraine 2.0? Is the speaker of the house an asset, or a rival? We ask the questions.

Dynasty Vipers Viper Cast
Top 5 Fantasy Football Assets | Green Bay Packers

Dynasty Vipers Viper Cast

Play Episode Listen Later Aug 2, 2022 8:02


Green Bay Packers The 2022 fantasy football season is closer every day, so it's time to look at which players carry the most fantasy value moving forward, especially in those dynasty leagues. It's better to move on too early than too late. Let's look at the Green Bay Packers and which 5 players on their current roster offer the most value for fantasy managers for 2022 and for dynasty. Stay tuned for more NFL news, once a big signing or trade goes down we have you covered right here, on the Vipers Network. Head to fantasypoints.com and subscribe today. Use promo code VIPERS22 and save 10% off that subscription

The Church of Pentecost Headquarters
Officers Are Great Assets To The Church (TWI) | Apostle Eric Nyamekye

The Church of Pentecost Headquarters

Play Episode Listen Later Aug 2, 2022 60:26


As officers of the church, we have to make sure to live at peace with our leaders (Pastors and Apostles). There should be no misunderstanding among us in order to help push the 'Possessing The Nations' agenda. Officers are great assets to the church. The Chairman of The Church of Pentecost, Apostle Eric Nyamekye, throws more light on this in this insightful message titled "Highlights Of Vision 2023". See acast.com/privacy for privacy and opt-out information.

AllVoices, Reimagining Company Culture
Melissa Bonner, Chief Human Resources Officer at Prime Trust - People Are Our Biggest Assets

AllVoices, Reimagining Company Culture

Play Episode Listen Later Aug 1, 2022 13:33


Welcome to Reimagining Company Culture, a series discussing emerging trends and priorities shaping the future of workplace culture and employee wellbeing. We highlight thought leaders who are constantly evolving their strategy and can provide insight to folks about how to address new business challenges.  AllVoices is on a mission to create safe, happy, and healthy workplaces for all, and we're excited to learn from experts who share our mission.  In this episode of Reimagining Company Culture, we're chatting with Melissa Bonner, Chief Human Resources Officer at Prime Trust. Melissa has over 15 years of experience in Human Resources and 14 years within the banking industry.Tune in to learn Melissa's thoughts on the role of CEOs as culture champions, innovating in the people space, supporting the full well-being of your teams, and more!About AllVoices In today's workforce, people often don't feel empowered to speak up and voice their opinions about workplace issues, including harassment, bias, and other culture issues. This prevents company leadership from making necessary changes, and prevents people from feeling fulfilled, recognized, and included at work. At AllVoices, we want to change that by providing a completely safe, anonymous way for people to report issues directly to company leaders. This allows company leadership real transparency into what's happening in their companies—and the motivation to address issues quickly. Our goal is to help create safer, more inclusive companies.

Dynasty Vipers Viper Cast
Top 5 Fantasy Football Assets | Detroit Lions

Dynasty Vipers Viper Cast

Play Episode Listen Later Aug 1, 2022 7:42


The 2022 fantasy football season is closer every day, so it's time to look at which players carry the most fantasy value moving forward, especially in those dynasty leagues. It's better to move on too early than too late. Let's look at the Detroit Lions and which 5 players on their current roster offer the most value for fantasy managers for 2022 and for dynasty. Stay tuned for more NFL news, once a big signing or trade goes down we have you covered right here, on the Vipers Network. Head to fantasypoints.com and subscribe today. Use promo code VIPERS22 and save 10% off that subscription

How Did They Do It? Real Estate
SA489 | The Potentiality of Investing in Mortgages and Distressed Assets with Jorge Newbery

How Did They Do It? Real Estate

Play Episode Listen Later Aug 1, 2022 28:01


Today, another guest proves that resiliency plays a significant role in your success in the business! Jorge Newbery shares how he persevered despite massive losses on his investments, his motivation to shift into a new business strategy of buying mortgages, and the importance of pivoting to keep going. This episode offers a more profound understanding of buying mortgages and the hidden opportunities from underperforming assets, so be sure to listen in.Key Takeaways to Listen forpreREO: Its value in the mortgage industry and how it helps investorsThings you should know about filing insurance claims for investment damages caused by a natural disasterWhy real estate is still a worthwhile investment despite its ups and downsHow to reduce risks of buying mortgages and distressed propertiesBusiness structure and investor returns of buying mortgage notesThe key to sustainable success in real estate and life in generalResources Mentioned in This EpisodeFree Apartment Syndication Due Diligence Checklist for Passive Investor About Jorge NewberyJorge Newbery founded preREO with the goal of bringing stability to neighborhoods challenged by the blight of vacant homes with more than 30 years' experience in distressed-asset management and borrower advocacy. Through his writing and live educational events, he empowers agents and investors to revitalize their communities while creating financial gains for themselves. Throughout his career, Newbery has utilized optimism and resilience to discover opportunity in adversity, founding numerous enterprises including the American HomeownerPreservation, the country's first crowdfunded distressed mortgage investment platform and Activist Legal, a law firm facilitating default legal services. His autobiography “Burn Zones'' offers lessons learned through his challenges and successes as an entrepreneur.Connect with JorgeWebsite: preREOLinkedIn: Jorge NewberyFacebook: Pre REOTwitter: @preREOTo Connect With UsPlease visit our website: www.bonavestcapital.com and please click here, to leave a rating and review!SponsorsGrow Your Show, LLCThinking About Creating and Growing Your Own Podcast But Not Sure Where To Start?Visit GrowYourShow.com and Schedule a call with Adam A. Adams.

Your Next Million
Can you recommend the best online sites for creatives to use to create videos and assets?

Your Next Million

Play Episode Listen Later Aug 1, 2022 4:01


What is the best place you would recommend to create online assets? So they don't have to develop them over? Like making stuff? Yeah, so you want to make videos? All right, let's see here.

No Agenda
1473 - "Meth Raging"

No Agenda

Play Episode Listen Later Jul 31, 2022 197:52 Very Popular


No Agenda Episode 1473 - "Meth Raging" "Meth Raging" Executive Producers: Sir StonksTrader of the Philly Suburbs Chef Rob McCue Marion Roaman Oregon Local 33: The Sane Portlanders Mark Stokesbury Stephen Deane, Viscount of the Fox Valley and Chicago Suburbs Sir Kyle, Baron Grape Drink clayton moses Sir Alexander, Black Knight, of Middle Cascadia Associate Executive Producers: Brian "The Preacher" Stefan Prokop Sir Mark Jeremy Dytham Duke of Japan and all the Disputed Islands in the Japan Sea Big Sweetie Jocelyn Cardenas Jackson Moore TJ of the Side Eye Paul St. Laurent Become a member of the 1474 Club, support the show here Boost us with with Podcasting 2.0 Certified apps: Podfriend - Breez - Sphinx - Podstation - Curiocaster - Fountain Title Changes Sir Kyle, Baronet -> Baron Grape Drink Knights & Dames Roderick Pauw -> Sir Peacock of Mount Liberty,Sweden Jeremy Cleary -> Sir StonksTrader of the Philly Suburbs Art By: Cesium 137 End of Show Mixes: The False Flags - Tom Starkweather Engineering, Stream Management & Wizardry Mark van Dijk - Systems Master Ryan Bemrose - Program Director Back Office Aric Mackey Chapters: Dreb Scott Clip Custodian: Neal Jones NEW: and soon on Netflix: Animated No Agenda No Agenda Social Registration Sign Up for the newsletter No Agenda Peerage ShowNotes Archive of links and Assets (clips etc) 1473.noagendanotes.com New: Directory Archive of Shownotes (includes all audio and video assets used) archive.noagendanotes.com RSS Podcast Feed Full Summaries in PDF No Agenda Lite in opus format NoAgendaTorrents.com has an RSS feed or show torrents Last Modified 07/31/2022 16:52:37This page created with the FreedomController Last Modified 07/31/2022 16:52:37 by Freedom Controller

How to Scale Commercial Real Estate
Building and Protecting Wealth Through Income-Producing Assets

How to Scale Commercial Real Estate

Play Episode Listen Later Jul 30, 2022 19:16


As the author of Building Indestructible Wealth, Jack Gibson's goal is to empower people to make financially smart and strategic decisions. He is a highly regarded serial entrepreneur and financial thought leader, and he joins us to offer actionable advice to generate passive cash flow. Having experience in multimillion-dollar businesses, he also speaks about the importance of working with like-minded people and how they are strategically protecting themselves against the changes in the market.   Tune in if you want to know the secrets to lasting wealth! [00:01 - 09:06] Surviving Income Inconsistencies with Investments Jack on starting as an entrepreneur in his dorm room to launching four companies His focus is to help business owners create multiple streams of income to protect their lifestyle  Investing in cash-flowing assets is key  Why Jack diversified into self-storage and short-term rentals He shares the pivotal moment that motivated him to get into real estate   [09:07 - 14:59] Finding the Best Business Partner To Jack, partnerships have never been a problem How Jack decided on the person he was going to partner with  Partnerships will work as long as you share the same values  Forming a great team is essential to scale   [15:00 - 17:47] Managing Risk in the Current Market How Jack and his team are preparing for a recession Why he thinks it's still a good time to buy real estate   [17:48 - 19:15] Closing Segment Reach out to Jack!  Links Below Final Words Tweetable Quotes   “I'm never leaving real estate. It's just an incredible asset class, all the advantages. To me, it far outweighs anything else you can do in any other markets.” - Jack Gibson   “80% of your total investible dollars should be into cash flow producing assets, such as real estate.” - Jack Gibson   “If you're solo, I just see how you scale. You need to have a team.” - Jack Gibson   “Over the course of time, your true colors come out. Those values come out through your words and your actions.” - Jack Gibson -----------------------------------------------------------------------------   Connect with Jack! Head over to his website to find his podcast and his book, Building Indestructible Wealth.   Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below:   [00:00:00] Jack Gibson: In any time you have a partnership, as long as that you both have the shared values. And this was a discussion that we got into in an entrepreneurial meetup group as well because there was some that were like, yeah, partnerships don't work. And then I was like, well, you know, they do work really well, if, and this is the most important part, is that you both have the same values. [00:00:35] Sam Wilson: Jack Gibson is a serial entrepreneur. He has five companies in different industries. He has a strong focus on financial education for entrepreneurs to build multiple streams of passive cash flow to protect their lifestyle and normal income inconsistencies. Jack, welcome to the show. [00:00:49] Jack Gibson: Thanks for having me, Sam. Pleasure to be here.  [00:00:51] Sam Wilson: Hey, man, the pleasure's mine. There's three questions I ask every guest who comes to the show: in 90 seconds or less, can you tell me where did you start? Where are you now? And how did you get there?  [00:01:01] Jack Gibson: I started at age 19 from my college dorm room. And I got a flyer from another kid that he was passing out. You know, he was recruiting for a health and fitness distribution business, a direct sales business. Got started in that, built up a pretty large business over the last 25 years. It took a while. The first year was really rough. And then since then, I've launched four other companies. And then my main focus now is trying to help entrepreneurs and, you know, earners that have income inconsistencies to be able to produce multiple streams of passive cash flow to help supplement or protect their lifestyle and build wealth responsibly.  [00:01:39] Sam Wilson: Is it that kind of the goal of the entrepreneur though, is to build income. And to build passive streams of income? So I guess the real question in that is, in what way are you helping them augment their passive income?  [00:01:54] Jack Gibson: Yeah. Well, no matter what business that you own, you're always going to have as an entrepreneur income inconsistency. If you're a commission sales rep, your income's going to flow in. It's going to add, it's going to, you know, go up and down. And that's even with my business, you know, 25 years in, you know, it's a more stable business, right? But it's still, there's some pretty dramatic swings in income. You just, you can't help it. It's business cycles, seasons, you know, et cetera. So what I found is that if you're relying on one stream, which is your business for your lifestyle and to protect your family financially. It's really tough because you just never know what's going to happen from month to month or year to year. So I really am strong on, when you're doing really well, you've got the harvest season and you're on your business, make sure that you discipline yourself so that you're banking that extra cash and then putting that into other cash flow producing assets that are going to create, you know, additional streams of income.  [00:02:56] Sam Wilson: Got it. That makes a heck of a lot of sense. Are you moving people into income, producing real estate, other businesses? What are you, what are you generally, you know, recommending for people? [00:03:05] Jack Gibson: Yeah, I recommend the base level is always income-producing assets, generally real estate, and that's, you're always going to be your best, you know, income-producing plays. I love commercial real estate in terms of self-storage. No tenants, toilets, trash. You can, you know, sweep somebody's locker out in 10 minutes and then you got a tenant turn, right? So when they, they move all their stuff out. So with that, you know what I've found though, too, you know, it's, you got to be an accredited investor and a lot of those deals for syndication to do self-storage. So, that eliminates that option, unfortunately, for a lot of people. So they need to play the monopoly game, you know, start with the four greenhouses and work your way up, trade those in eventually for a bigger deal. But ultimately the goal in my opinion is about 80, 80% of your total investible dollars should be into cash flow producing assets, such as real estate. Short-term Airbnb rentals are great right now, mortgage-backed notes. We like those, you know, you, you've got a really solid return that you can count on each month. So then with those streams of income, if you want to get a little bit more speculative, you want to get a little more aggressive, take those streams and put it into things that can really, you know, 10x and really pop in terms of the appreciation, but are a little bit more risky, so you could lose the money. And then it doesn't matter because the income will just keep flowing back in from all your other cash flow-producing assets.  [00:04:40] Sam Wilson: Right. That makes a lot of sense. Five, you said five different companies. Was that in five different industries?  [00:04:46] Jack Gibson: Two of them are in real estate. We have the self-storage indication company and then the other is we have a company called high return real estate and we help investors get into turnkey, you know, usually single family duplex type properties. [00:04:58] Jack Gibson: And then we also just filled out a brand new division for short-term Airbnb, and we help investors get into those as well. And the returns are looking really strong. I mean, we're, we're moving most of our long-term tenants and those types of properties, either selling them off or, you know, transitioning them as the tenants turn into short-term Airbnb, the yields are incredible. [00:05:22] Sam Wilson: They really are. They really are. I've heard that from a lot of people you know, especially I think the pandemic really, really hyper fueled short term rentals in a way that we probably didn't expect. But tell me, I guess when you look at these various, 'cause I love what you're doing there. You've got the four, what'd you call it the four greenhouses to trade up for a red house? [00:05:40] Jack Gibson: Right. [00:05:40] Sam Wilson: Right. You can kind of service all your, you know, all the different investor niches, you know, with your different platforms there. You've got the single-family home buyer. It's like, Hey man, we're going to start with a single greenhouse. And then you've got your syndication business in self-storage where you say, okay, now you're an accredited investor. Now you can come in and do self-storage and then also move into short term rentals. That's pretty fun. Do you, are those all separate businesses with all separate teams operating and running?  [00:06:05] Jack Gibson: Yes. Yes. We've got a, for the short term, Airbnb rental team, we've got an acquisition team. We've got four or five different contractors that we personally utilized. And some of them we've utilized for over a hundred different deals. And then we have our property management team. So, you know, we have all those teams running that. So that's a pretty passive business for me at this point, once the teams are built out, obviously there was several years of hard work to build up, you know, the systems and the procedures, operations. [00:06:37] Jack Gibson: And then the self-storage is a, a syndication fund that I put together. And then we invest into one of my longtime friends, Sean. Funny, I met him at in Mexico. We both forgot our passports and he was a baller, had his buddy fly into Canada, from another city in Canada, give him his passport, then he got on the plane and he made it. And my wife and I were stuck in Chicago for a day. So I'm like, I want to be like you, what do you do? Like, how are you a baller like that? He's like, oh, I do self storage. I'm like, tell me more. [00:07:09] Sam Wilson: Tell me more. Right. I want learn from you. When you look back at your, you know, building out these different teams and, and especially having them in, in, you know, while it's all in real estate, they're all their own unique niche asset class with their own particulars inside of those asset classes. What was a pivotal moment for you? When it was like, Hey, you know, something was in the way. And I was able to just get that out of the way. And then you kind of had exponential growth. Was there ever a point where something, you know, switched?  [00:07:37] Jack Gibson: Well, if you track it all back, where everything switched for me in terms of my mindset is when the stocks that I was in, both of them had, you know, incredible drawdowns and value. This was, like, around 2012, 2013, and one of them got a short sale attack. So that dropped the stock by 50% within days. And then another one was called interval I was writing options on that, that dropped in half overnight. And I realized, wow, you know, I'm, number one, I'm an unsophisticated investor. I'm relying on the whims of the financial markets to dictate my financial future. And I don't like it I want to be in control. So that's when I really dove in, studied real estate, and turned that adversity, those setbacks losses, all of that. You know, I figured, okay, I can turn this into something better. [00:08:27] Jack Gibson: This is the motivation that I needed to be able to learn real estate. So that's, honestly, that's what, like, that started everything for me in real estate. And then once I got in, even though we've had some, you know, I've had some rough patches trying to learn, you know, what to do. I'm never leaving real estate. It's just an incredible asset class, all the advantages. It just, to me, it far outweighs anything else you can do in any other markets. And I love, you know, I love crypto. I love stocks. I don't love crypto right now, but I love the future of where I believe it's headed. And those are, however, I can't build indestructible wealth with those types of assets. I need dirt. I need real estate.  [00:09:06] Sam Wilson: That's for sure. Tell me about your team. Who was the first person that you hired when you said, okay, I'm going into real estate. I'm going long, but I've got to, I got to build a team around me. How did you do that?  [00:09:17] Jack Gibson: Most important thing for me was just finding a great partner. And I know a lot of people say, partnerships, what is this, Dave Ramsey said something about partnerships sink ships, or it's a sinking ship, I think is what he says. Well, I have not found that to be the case. I have a great partnership with my wife for 18 years that you know, that's amazing. And I've had a business partnership with Shecky. [00:09:41] Jack Gibson: He's called Jeff, but he goes by Shecky and we've been partners for seven years and we always work things through and work things out. So I recruited him. He was my digital marketing coach for my direct sales business. And I really liked his integrity. I loved his knowledge and I knew I needed somebody like him to help me market, really market, and scale, to build that business. So when he came on, I gave him 50% equity, 50-50 partners. And he said this is the first time that I've anybody's ever pitched me on like doing something business-wise with them. That actually benefited me too. Like normally people would say they'd pitch them, but it was always what's in it for them. And my pitch to him was, you know, he didn't come across that way at all. So once we had formed our nucleus, then we started, you know, building on all the other parts of the company as well.  [00:10:33] Sam Wilson: What were some things I'm sure that there were discussions early on that were, I love what you said there were like, Hey, you know, obviously it's going to be beneficial for your partners or for your partner as well. But what were some kind of discussions? Can you give some or if you can remember it, give some color to those early on discussions? 'Cause I think a lot of our listeners are probably, you know, in that early stage of growth. That's kind of the, the name of the podcast is How to Scale. Like, so people are out there thinking, okay, I want to grow. But certainly, I would imagine you had some discussions where it was like, Hey, what's this look like? Did you guys put in fail safe? Did you guys, you know, how did you hammer out the, what ifs in that scenario?  [00:11:07] Jack Gibson: You know, I think in any time you have a partnership, as long as that you both have the shared values. And this was a discussion that we got into in an entrepreneurial meetup group as well because there was some that were like, yeah, partnerships don't work. And then I was like, well, you know, they do work really well if, and this is the most important part, is that you both have the same values and therefore if you're operating from that base level, that foundation, then everything else that happens, conflict, conflict resolution, working through adversity, working through differences in opinions, all of those things can be no problem, instead of big problems, if the values are shared.  [00:11:53] Jack Gibson: So our values, for example, we both really believe in, no matter what the costs, we're going to do the right thing for our investors, and we've taken some real hits where things that we kind of came out, shelled out some money out of pocket just to help an investor, you know, that was in a tough situation, those type of things. Or something went wrong in a certain situation and it could have gone either way and we pay for it. They pay for it. We generally take care of it. So we always, you know, operate from that premise. And then both of us can work through, you know, any of those challenges together. [00:12:30] Jack Gibson: So yeah, I think a team, though if you really want to scale, I mean, doing it by yourself, if you're solo, I just don't, I don't see how you scale. You need to have a team. Like I look at my other direct sales business. That's a huge business, but I put an incredible team of people around me that, in a lot of cases, they're more skilled and harder working more talented than I am.  [00:12:53] Sam Wilson: I like that. I love the idea of coming from, you know, the position of shared values. I think that's, that's a really key piece of advice. How did you discover or what did you do to determine that your partner had the same values as you?  [00:13:06] Jack Gibson: Well, I could tell the values, just kind of come through. I think anytime that you have beliefs or values or things that are internal, eventually, over the course of time, your true colors come out. You know, like those come out, those values come out through your words and your actions. So it was great because as him as my digital marketing coach for several months, I got to see firsthand, like, what is he made of? And I got to see how he handled, you know, himself in terms of, did he show up on time? Does he keep his word? Does he always thinking about how he can help me solve my problem first? Or is it, what's in it for him? So. I'm just looking at all those things and, and getting to know somebody like in that setting gave me the opportunity to kind of vet him, right, to say, do I want to extend an invitation to somebody like this to be a partnership? 'Cause if they're not on the same page as you, value-wise, beliefs, partnerships are going to be a pretty tough thing.  [00:14:10] Sam Wilson: Absolutely. That's really, really cool. Thanks for taking the time. 'Cause I think that that's not something we've heard a lot of here on this show. When, when you talk about building a team or surrounding yourself with people that are, as you talk about, better than you. You know, oftentimes think of that in the, in the hiring sense, but we haven't talked about it necessarily in a partnership sense. So thanks for taking the time. [00:14:27] Jack Gibson: Yeah, my buddy, Sean, you know, he's got the, his self-storage company, almost hit a billion or hit a billion, you know, recently just in the last, you know, couple months. And I texted him and said, dude, like, that's incredible. A billion-dollar business. Like, wow. I mean, I met you 10 years ago and it was not a billion dollars. And I said you're my hero. He said, if you want to do that, you just got to get a great team. That's the whole key. Everything is who are the guys that you're putting around you and then are they smarter than you in certain areas?  [00:14:59] Sam Wilson: Yeah, that's absolutely it. I love that. Let's talk a little bit about risk, what maybe you see in the market right now. And again, you guys are diversified from single-family to short-term rentals to self-storage. Is there a risk in the market right now that you see that you guys are protecting yourself against strategically?  [00:15:18] Jack Gibson: Well, certainly there is an absolute chance of a recession. I think we're all, probably speaking it into existence. [00:15:25] Sam Wilson: Probably. [00:15:26] Jack Gibson: By what we're saying.  [00:15:28] Sam Wilson: Right.  [00:15:29] Jack Gibson: So I hate to even be a part of that narrative. However, I think that when you print 40% of the money supply in a couple of years, then I don't see any other case happening except something not good. So that's what we're starting to see is something not good is happening from all this free money that was injected. There is no such thing as a free lunch. So I, however, feel most comfortable in real estate, I think. Right now the financial market, stock market, crypto, I think there's some incredible deals and sales. Have we seen the bottoms in those markets? Who knows. I suspect probably have not, but either way, I'm not, you know, I'm not going to wait and try to time the bottom. So I'm, I'm buying into those asset classes. At the end of the day, I keep saying to myself, you know, this is still a great time to invest in real estate. There's a limited supply. They're not handing out, you know, money to people that, you know, should definitely not have the money. They're not doing that. [00:16:35] Jack Gibson: Lending is a lot tighter. Supply is low, so I don't think we're going to see this big correction in real estate personally. I think we'll probably see something. However, if you are buying properties with a great value under market value, you're, you know, putting in effort to create value adds or increase the value through renovations or whatever else you can do to make the property more valuable and produce more income, then you're going to be fine. [00:17:02] Jack Gibson: And if the market corrects, there's no problem. You have cash flow coming in. You don't care, you can ride it out. But those who are doing more speculative projects right now, I think you ought to be careful 'cause you know, we could definitely see something where your equity just collapses on those. [00:17:19] Sam Wilson: Absolutely. And that's, that is something I've seen in all the investor conversations I'm having more and more of is that, even a couple of years ago, people were probably more focused on the, you know, equity multiple and things like that. And everybody I'm speaking to right now just says, I'm just looking for cash flow. That's it. Yeah, let me buy a property that produces an income, IRR, equity multiple who cares? I just want something that produces an income. So I love, love what you're talking about there. I think that's great. Jack, thank you for coming on this show today. Certainly appreciate it. It was great learning about you and your business, businesses I think I should say. You've given us a lot of things to think about, especially as it pertains to finding and having great partners here in business. And then, you know, really just how to scale and what you've done, certainly, certainly have enjoyed it. If our listeners want to get in touch with you or learn more about you, what is the best way to do that?  [00:18:06] Jack Gibson: My website has everything and I actually just launched a new book that's called Building Indestructible Wealth. It's the six-figure earners' guide to a multimillion-dollar portfolio. So I just lay out the strategies exactly. Actionable strategies are in there. There's concepts, it's conceptual in nature, but there's also specific links to here, if you want to do this, here's where you go to do it and how to get this particular strategy up and, you know, implemented. So that's on my website. You can get the book right there. myindestructiblewealth.com. Also, I have a podcast called Indestructible Wealth and a blog. So it's all right there.  [00:18:45] Sam Wilson: Awesome, Jack, thank you again for your time today. Certainly appreciate it.  [00:18:47] Jack Gibson: Thank you so much, Sam. Appreciate the convo.

Coffee w/#The Freight Coach
#198 - Nic Sallis

Coffee w/#The Freight Coach

Play Episode Listen Later Jul 29, 2022 40:30


Nic Sallis is the Chief Operating Office at Fleetdrive 360. FleetDrive 360 makes maintaining DOT compliance more efficient, automated, and better than ever. We understand how hard it is to maintain compliance and we have built FleetDrive 360 around the pain points that Owner Operators, Fleet and Compliance Managers struggle with, from keeping track of your Drivers, Assets & documents to scheduling Drug and Alcohol tests, all in one place. Make sure to connect with Nic and follow Fleetdrive! To learn more about becoming a Freight Agent: https://spi3pl.com/ To learn more about Emerge: https://emergemarket.com/freightcoach/ To learn more about Tai Software TMS: https://tai-software.com/  

Retirement Talk Radio's Podcast
Annuities Vs. Bonds: What's the Difference?

Retirement Talk Radio's Podcast

Play Episode Listen Later Jul 29, 2022 32:08


We are continuing our discussion this week on annuities and the value they have with a balanced portfolio. We'll focus specifically on the differences between annuities and bonds with our special guest host, Joe Casey.  An annuity is a contract with an insurance company that ensures income in the future. It's simple and can be valuable to the right investor. On the other hand, bonds are a bit more complex and are reactionary to interest rates. Join us today as we break down these differences and consider which investment is best for you. Redefining Wealth® Custom Income Plan: https://redefiningwealth.info/schedule/   Rate, Review and Subscribe to the Podcast: https://podcasts.apple.com/us/podcast/retirement-talk-podcast-with-laura-stover/id571347188   How to Connect: redefiningwealth.info lswealthmanagement.com Schedule a Review: https://redefiningwealth.info/schedule/   Timestamps (show notes): 4:48 – What is the foundation of annuities? 8:31 – Index crediting 14:41 – Income riders on annuities  19:35 – Assets and income are different 24:09 – Planning for home healthcare  

Craig Peterson's Tech Talk
The CHIPS Act - More Billions to China? What's the Best Private Search Engine? Private Messengers

Craig Peterson's Tech Talk

Play Episode Listen Later Jul 29, 2022 85:29


The CHIPS Act More Billions to China? What's the Best Private Search Engine? Private Messengers Well, they did it. Yeah, it's no longer called "Build Back Better," but it's now the "Inflation Reduction Act." Imagine that. Reducing inflation by causing more inflation through massive spending. And then there's the the "CHIPS" act and, uh, yeah, government's coming for our wallets again. Oh, and this is bound to make things worse.  [Following is an automated transcript.] The semiconductor industry has been hit hard by the lockdown. [00:00:21] Of course, it just totally destroyed supply chains all over the world. Makes me wonder if this wasn't intentional, but we are dependent on not just us manufacturers for things like our cars, through our computers, through harvesting machines that farmers need. We are dependent on foreign. Nations to make our chips, our chip sets that that's kind of a bad thing. [00:00:47] When you consider right now, there is a whole lot of stuff going on over there in the south China sea, which of course is where, what is made. You've probably heard about this before, where in fact, most of our chips are made at least a higher catchups that's a bad. because that means that a place like Taiwan, which has had serious problems with water shortages, and you need a lot of water in order to make chips, it has had all kinds of political instability. [00:01:21] Of course, they had the same locked. Down messes that the rest of the world had, and that just really messed them up. And then you look at what we did and you had the companies like Ford and GM. These are, I'm mentioning these guys, cuz they're the obvious ones, right? Chrysler, who all said, oh, people aren't gonna buy cars. [00:01:40] So we're going to cut back our orders. And remember the whole, just in time thing back in the seventies, I remember. Ever so well, it was like, wow, Japan. They are the model of world economies. We've got a. Everything that they do over there in Japan. And the big thing that we took from that was just in time inventory. [00:02:03] Oh my gosh. I mean, I don't have to have a warehouse with parts and order a train load at a time. I can just order as many as I need and have them arrive just in time. I was watching a documentary on Volkswagen who has, I guess it's the biggest factory in the world. This thing's absolutely amazing. And while they're assembling the cars, the parts that are needed show up just in time, there will be parts that show up that morning from subcontractors, and then they move through their systems there at the factory. [00:02:39] And then they end up right there at the person who needs to install. Minutes before it's needed. Now that's kind of cool. Cuz it cuts down in your costs. It lets you change a vendor. If you need to change a vendor, if you don't like some parts, you don't have to, you know, get rid of a whole train load or return them all. [00:02:56] You just have to return that days, but it introduces some very. Serious problems, especially when there are supply chain problems, you know, we've been living in a world that that has just been very, very easy. I'm not gonna say it's too easy, but it's been very easy. We don't have so many of the problems that we used to have way back when, like what 50 years ago really. [00:03:23] We have these problems where we do a lockdown where a country locks down, let's say Taiwan lockdown, and, and we didn't, and we tried to manufacture things you wouldn't be able to. And part of the theory behind the way we interact with other countries is that it will prevent war. You see if we're a completely separate country and we decide, uh, that, uh, you know, just leave us alone. [00:03:50] And let's say China decided that they wanted some of our territories or some of their neighbors over there in the south China sea, et cetera. China could just go in and do it. But if we're trading partners, if they rely on us in order to keep their economy going, then we're not going to go to war with them. [00:04:12] And they're not gonna go to war with us because we both need each other. That's been a, a mantra now for quite a few decades with countries worldwide. Of course, Ukraine and Russia are an interesting combination because Russia needs Ukraine. For quite a number of different supplies, food, and, and other things. [00:04:32] And Ukraine needs to a lesser extent, Russia, as well as a market, but it, it provides food for a worldwide market. It it's kind of crazy, but that's been the theory. The theory is, well, let's bring. everyone close together. We'll put our hands together, we'll lock them and, and we'll sing, uh, I want the world to buy a Coke, right. [00:04:56] Or whatever that song was. You you'll probably remember that song, everyone standing around in the circles or whole all the way around the world. Now it's a nice theory. And, and I like it. I like the fact we haven't gone to war, even though we've got a, I guess you could definitely call it a European war going on, but in, in fact, It does cause these types of problem problems, we're seen, we copied the Japanese just in time inventory and that messed things up because those parts are not arriving when they're supposed to be arriving and you no longer have a warehouse full of parts. [00:05:33] So now you just can't. Can't do anything right now. Now you're in really ultimately big trouble. So what's happening now is Congress decided to pass a, um, I think they're calling it. What was it? A deficit reduction act or something instead of build back better. Because, uh, or no inflation. That's what it was. [00:05:54] Yeah. This is gonna get rid of inflation because we're increasing taxes and , I, I don't get it. Why would Congress think that increasing taxes would bring more money into their coffers every time it's been done? Yeah. There's a little bit of a bump initially, but. It drops off dramatically. If you want to increase revenue to the federal government, you lower taxes. [00:06:19] Every time that's been tried pretty much. It's absolutely worked by lowering taxes because now people aren't trying to hide the money. They aren't do doing things. Uh, like moving their businesses out of the country, even Canada and the rest of Europe has lower corporate tax rates and that's part of what they're going for. [00:06:42] But the manipulation that appears to have happened here is that they wanted to pass this chips act. And the chips act is another example of the federal government helping special interest groups at the expense of you and I, the expense of the taxpayers. So this special interest group came to them and, and they carved out some 50 something dollars. [00:07:08] I think it was yeah, 52 billion in grant and 24 billion in tax credit. To the us semiconductor industry now at, at first glance, you look at that and say, well, okay, that's, that's actually really good because what can happen here is the semiconductor industry can use that money to build plants here in the us to build fabs chip Fabrica fabrication plants. [00:07:33] I know I can talk and, and yeah, they probably could. And that could be a very, very good. But the devil is in the details. Yes. What else is new here? Right. So this, uh, last minute by partisan agreement that they agreed, they weren't gonna do build back better because of what mansion had said. Right. I, I'm not gonna support that cuz it's just going to increase inflation and increase our debt. [00:08:00] And by the way, our federal government. Is barely gonna be enough to discover the interest payments on the debt. You know, no principle at all, which is an incentive for the federal government to cause inflation because then the federal government can pay back that debt with inflated dollars that cost them less. [00:08:20] And then, uh, there goes the debt, right. And they can talk about how great it was. But if you are retired, if you're looking at your retirement account, With the type of inflation we have, which isn't the nine point, whatever that they've claimed in reality, if you use the same methods and metrics that were used in the 1980s where they're saying, oh, it's been 50 years, 40 years since we had this type of inflation. [00:08:46] No, no, no. We have never ever had this type of inflation in modern America. Because in fact, the inflation rate of use, again, those same net metrics is supposedly in the 20% range. So what that means is the federal government's able to pay you back 20% less. Then they actually borrowed from you because of that inflation. [00:09:12] It's it's just incredible. So here we go. Some $77 billion going to the us semiconductor industry, but, um, there's another little trick here that they played on all of us and that is. The lobbyist from the semiconductor industry who, by the way, themselves are spending tens of billions of dollars to build new fabs new plants. [00:09:35] They're spending it out of their own pockets, not out of our pockets already. Okay. But they lobbied and Chuck Schumer introduced, uh, uh, cute little thing. Cute little thing. It, the bill had said, yeah, we have to use this. For American interest basically. Uh, so he removed that. So now yeah, those tax dollars that are supposed to rebuild our chip industry, they can be used to help China. [00:10:01] Yes, indeed. They have already penciled in some of that 77 ish billion dollars to go to China. Yeah. Yeah. Isn't that great. I, I thought China was part of what we're trying to protect ourselves from here. Certainly. not, not as a, you know, a hot war sort of a thing, but frankly, as our biggest competitor in the world, it is incredible. [00:10:29] The us share of chip manufacturing globally has dropped from 12%. From 37%, just 30 years ago. Okay. So we've lost two thirds of our pros. If you will, on the world market in making chips, Hey, you should have received this, uh, on when was it this week? Uh, Wednesday, Tuesday, uh, my weekly insider show notes. [00:10:56] There's links to a great article in here. From the semiconductor industry, themselves talking about what is going on, what really happened. And, uh, don't worry. It's only more than a trillion dollars. And then this on top of it, it's only another 250 billion. Don't worry about it. You'll be able to pay it back. [00:11:18] Yeah. Yeah. stick around. We'll be right back. [00:11:25] I don't know if you've heard of digital exhaust, it's kind of a new term. And it's talking about the things we leave behind the cookie crumbs, if you will, not cookies and browsers, but that's part of it. We're gonna talk about the browser you're using and the search engine. [00:11:42] We have a lot of choices when it comes to browsers. We've talked about it before, and if you'd like a copy of my browser, special report, of course, this it's free. [00:11:52] I wouldn't mention it. If it wasn't here and you can just get it by, go by emailing me, me@craigpeterson.com. You actually can't just get it, but I'll be glad to email it to you or we'll have Mary or. Send it on off to you? Me M E Craig peterson.com. Well, people have been worried about their data. Many of us have been worried a very long time, and then remember the whole Cambridge Analytica scandal. [00:12:23] It's amazing to me, how stuff gets politicized. I'm shaking my head. I just can't. People because bronch Obama got everything on everyone, on Facebook for his campaign. Not, not a beep, nothing. I, nothing. He had everything on everybody and Cambridge Analytica and there was just given to him by the way. And then Cambridge Analytica, uh, decided, okay, well here's what we're gonna do. [00:12:47] We're gonna make. This little program, people can play it. We'll we will, uh, advertise on Facebook and then we'll gather data on people who are there on Facebook and we'll use it for orange man. Bad Trump. Yeah, this will be great. And so the the exact opposite of what they did with president Obama. When he got all this information on tens of millions, I think it was actually hundreds of million. [00:13:15] People, uh, they decided this was bad. and they started making a big deal about it. And so a lot of people at that point decided, Hey, uh, what's happening here? What, what is going on? Should, would they have my information? Because remember this is an old adage. You've heard it a million times by now, but it bears repeating. [00:13:39] If you are not paying for something you or your information are the product. And that's exactly true. Exactly. True. If you are using Google maps, for instance, to get around, to do your GPS navigation, you are the product cuz Google is selling information. They collect information, right? That's what they. Do and you might have noticed recently you probably got an email from Google saying, uh, we're gonna be flushing, uh, your location, or at least some of your location information soon. [00:14:13] Did you, did you get that email from Google? I, I got it right. And I don't use Google very much, but I, I obviously I need to, I need to know about Google. Google's good for certain things, and I understand what it's doing. But it decided all of a sudden after the, again, left stuff, right. People were all worried that because there was no longer a national law on abortion, uh, by the way, there never has been a national. [00:14:46] Law on abortion. And in fact, that's what the Supreme court said. You can't make up a law in the court. You can rule on the application of the law in the court. They've gone, they've stepped over that boundary and decided they can rule on whether or not there should be a law. And so the court said, Hey, listen, this is a, at this point, a state's rights issue, right? [00:15:11] The 10th amendment to the us constitution, uh, the state should decide this. And the Congress didn't act there. There's no federal law about this. So the, these rulings were bad and people say, oh no, that's terrible. It was the first time it's ever no, there've been over 200 times where the Supreme court changed its mind. [00:15:34] Think of the dread Scott decision. If, if you even know what that is, well, you guys do cuz you're the best and brightest, but these people complaining probably have no clue about any of this stuff, right? None at all. So they're all upset because now, oh my gosh, my golly, um, because Roe V Wade, et cetera, was overturned. [00:15:55] Now they're going to be tracking me. Because my data is being sold. Cuz you remember that's how they came after these January six protestors, right. That were down in, in Washington, DC by using the GPS data that came from the apps that were there on their phones. Yeah. And, uh, that's also how it was proven that the election. [00:16:19] Uh, may have been stolen, but certainly had substantial fraud because they were able to buy the data. Look at the data show. What was pretty, obviously the, uh, acts of at least a thousand people that were completely illegal in ballot harvesting and. Box stuffing. Right? So again, GPS data, you can buy it. The federal, government's not allowed to keep data on us. [00:16:49] It's not allowed to spy on the citizens at all. Right. So what do they do? They go to these same data brokers and they buy the data. I sold it now. Well, we're not tracking, but people are you kidding me? We would never do that. But they're buying the tracking data from third parties. So they are tracking. Oh no, no, it's not us. [00:17:11] It's it's other people. So now they're worried. Well, if I go to an abortion clinic, are the state's attorneys general. That do not allow abortions in their states where the law does not allow it. Are they going to buy data and see that I went to an abortion clinic, even if I went to an abortion clinic out of state. [00:17:35] Now you can see their concern on that one. Right? So a again, now all of a sudden they're worried about tracking data. I, I just don't understand why they trust the government on one hand and don't trust it on another hand, I guess, that. People say right. The ability to hold two conflicting thoughts has truth in your mind at the same time, but they're concerned and it's legitimate. [00:18:00] So what happens. Google decides we're not going to, uh, keep location data on you. And that way none of the attorneys general can ask us forward or subpoena it cuz we just don't have it. And that was all because of the overturn of the court ruling on abortion, the federal court. So it, it, to me, it it's just so disingenuous for these people to only care about privacy when it's about them. [00:18:36] And I, I, I, again, I, I just don't understand it. My mother is that same way. I know she doesn't listen to this, so , I can say that, but it it's, uh, absolutely absolutely incredible to me that, uh, that, that happens. So what do you use. There there's a number of major search engines, real in the, in the world. [00:18:59] Really what you're looking at is Google. It's like the, the 800 pound gorilla out there. And then you also have Bing Microsoft search engine. There have been a few that have come and gone. There's some that I liked better. Like I loved Alta Vista much better. Because it had ING algebra operations that you could do much better than Google. [00:19:23] So I've ended up with Devon, think that I use now for searching if I need to, uh, to get real fancy searches going on, but I gotta mention duck dot go. Now it got a bit of a black eye recently, but the reality is if you want to keep your searches, private duck dot go is a way to go. Well, we talked about the top 100 hospitals in the country and how they were tracking you using Facebook or Google, uh, trackers cookies. [00:19:59] And they would know, oh, you just registered an appointment with an oncologist or, or whatever it might. B right. Which is private information, duck dot go does not have any tractors on it. They do not keep a history of what you've been searching for and they do not sell that stuff to advertisers. Now behind duck dot go is Bing. [00:20:23] But Bing does not get access to you. Only duck dot go does, and they don't keep any of that. So check it out online that kid's game used to play duck dot, go.com. Obviously I don't, uh, don't make any money off of that. Oh. And by the way, they have apps for Android and iOS and browser extensions stick around will be right back and visit me online. [00:20:49] Craig peterson.com. [00:20:52] I got a question from a parent whose son was serving over in the middle east and they were asking what was a safe messaging app to use. And they asked about what's app. So we're gonna talk about that right now. [00:21:08] There are a lot of different messaging apps that people are using and they all have different features, right? [00:21:17] Uh, there have different ways of doing things and the top are WhatsApp. Facebook messenger. Why would anyone use that? Uh, we chat again. Why would anyone use that vibe line telegram and IMO, which I'm not familiar with? This is according to ink magazine, the top seven messenger apps in the world. So why would people use those? [00:21:47] Okay. So let's, let's just talk about them very briefly. The, the two top ones in my mind that I want to talk about, but WhatsApp has 2 billion active users. It's the number one messaging app followed by WeChat, which is a Chinese messaging app with 1.2 billion. Users and WeChat is also used to make payments. [00:22:12] And they've got this whole social, social credit system in China, where they are tracking you deciding whether or not you posted something or said something in a chat that, uh, they don't like. And so you, you just, you can't get on the train to get to work and you lose your job, right. Yeah, they, they do that regularly. [00:22:32] And there are people in the us here that are trying to do very similar things. This Congress has, uh, not been the best. Let me put it that way. So should you use that of. We chat now, obviously, no, the next one is Facebook messenger also called messenger by meta. And it has close to a billion users. And again, they are watching you. [00:23:01] They are spying on you. They are tracking what you do, WhatsApp. I I use for, uh, one of my masterminds. The whole group is in on what's happened. I'm okay with that. Nothing terribly private that I'm worried about. There, there are things that are said or discussed that, that I'm not, uh, Perhaps happy that they're privy to, but in, in reality, WhatsApp is pretty good. [00:23:29] Now you have to make sure that when you're using something, something like WhatsApp that you have to turn on their privacy features. For end to end security because that's been a, a historical problem with WhatsApp. Yeah. They can have end to end encryption, but you have to turn it on. So what is end to end encryption and why does it matter? [00:23:57] Well, end to end encryption means if you are sending a message to someone or someones. They have, obviously have to have the same app that you do. And when it gets to the other side, uh, they can decrypt. So anyone in the middle. We'll just see a whole bunch of encrypted data, which just looks like trash. If, if it's encrypted properly, there's no real distinguishing, uh, portions to it. [00:24:30] If you will, or identifying factors that it's anything other than just random data, really good, uh, encryption does that, right? It does a, and. compression first and, and then messes with, we're not gonna get into how all of that works. I helped way back when to put PGP together at, uh, Phil. Zimmerman's pretty good privacy. [00:24:55] I actually still used some of that stuff today. And then PGP became G G, which is the GNU privacy, uh, G G and is well worth it as well. But that. Um, exactly what we're talking about. We're talking about regular messaging apps that regular people can use. I do use G G by the way, those of you who email me@craigpeterson.com, if it's actually me responding to you, it will be. [00:25:26] A message. That's cryptographically signed by G G so that you can verify that it was me and it wasn't Mary, or it wasn't Karen. So I, I do that on purpose as well. All right. I'm sorry, wander around a little bit here. WhatsApp is pretty commonplace. And is pretty good. Well, WhatsApp, as I mentioned, end end encryption. [00:25:50] But it's using the encryption from another project that's out there. And this is an open source project called signal. If you want to be secure. End to end if you don't want to leave any digital exhaust around use signal. It's very, very good. Um, Mo what is his name? Um, Moxi Marlin spike is the guy that founded it. [00:26:15] He ran that company for quite a while. It's a foundation. And, uh, as I recall, early 20, 22, he stepped down as the head of that foundation and other people have taken over, but he's even threatened to, and I assume he actually did build in some things into signal. That will make some of these Israeli programs that are used to crack into cell phones. [00:26:43] It'll make them fail. They'll crash because of bugs in their it's. Well, again, that's not what we're talking about right now, but signal. Again, if you're gonna send a message just like with WhatsApp, the other person, the receiver has to have signal on their device signals available for smartphones again, Android and iOS, you know? [00:27:07] What I feel about Android, which is don't use it. You're much better off. If you don't have much of a budget buying an older model iPhone, they're gonna be a lot safer for you. So signal, it will also run on your windows, computer, or your Mac, the same thing with WhatsApp, by the way. So WhatsApp more common, not the worst thing in the world for privacy signal, less common and definitely very good for privacy. [00:27:37] Now I mentioned apple here. I use max and I have ever, since they switched over to a Unix base, they actually put a mock microkernel and a free BSD user land, if and kernel on top of them. Um, the mock microkernel. So if, if you're total geek, you know what I'm talking about? It's designed to be safe and secure from the beginning. [00:28:02] Whereas with windows and with Android, it was shoehorned in the security, the privacy, right. It just wasn't there. So what should you do? Well, I, I, as I mentioned, you should be. Apple iOS devices. I'm not the world's apple fan. Okay. Don't get me wrong, but they are a lot more secure and the max are also very secure again. [00:28:32] Nothing's perfect. Uh, they have not been attacked as much as windows computers because of course, windows is more common, but having worked in the kernel and the network stack on both windows. Uh, the actual kernel, the actual source code of windows and Linux and BSD and system five. So all of the major core, uh, Linux distributions over the decades, I can tell you that. [00:29:05] The Unix world is far, far more secure. Now you don't have to worry about it. People look at it and say, well, what should I use? Well, if you are a geek, you should probably be using Linux. I do use Linux, but I, I will admit my main workstation is a 10 year old Mac. 10 years old. Uh, how long do your windows machines last? [00:29:31] Right. And, and it's still working great for me very fast. Still. It's a great little machine and we still have Mac laptops that are, uh, 20 years old. So they, they are designed and made to last same thing with the phones, but they can be more expensive. So look at refurbed, look at older models because it will save you. [00:29:55] You can be in the same price range as windows. You can be in the same price range as Android, and you can have much, much better privacy and security stick around, cuz we'll be right back. And if you sign up for my email list, you'll get my free insider show notes every Tuesday or Wednesday morning. [00:30:17] We're gonna talk about electric vehicles right now and what the wall street journal is calling the upside down logic of electric SUVs. And you know what? I agree with them here, but where are electric vehicles today and where are they going? [00:30:34] Electric vehicles are an interesting topic because in reality, we're not ready for them. [00:30:43] Our grid is not set up to handle electric vehicles. We are crazy what we're doing right now. Shutting down power plants. Germany is bringing nuclear plants that they had. Down back online. They're not fools. Nuclear is the cleanest right now, uh, source that we can possibly get don't fool yourselves by listening to people that tell you that, for instance, the solar cells you put on your roof are green because they are. [00:31:14] Not highly toxic, the manufacturing, distribution, and disposal of those things, California, we talked about this a couple of weeks ago has a huge problem now because 90% of those solar panels on people's roofs are ending up in landfills and are leaking toxic metal. into what little, uh, underground water supply California still has left. [00:31:42] And that's not just true of California. That's everywhere. So we are depending on more electricity, when we actually have less electricity, we're shutting things down. Look at Texas, right? They're oh, we're we're trying to be green, green, green, green, green, and people complain about Texas being conservative. [00:32:01] It's not, it's just very independent. They have their own electric grid. The only state in the nation that has its own electric grid. That's not tied in. To anybody else. The whole rest of the country is composed of two grids. So if one state isn't producing quite enough, they can potentially buy it from another one here in the Northeast. [00:32:24] We bring some of the power down from RI Quebec LAA, Leno. Over there in the north, right from the LG projects that they have up there. Of course it's from hydroelectric dams, but we, we exchange it all. We move it back and forth. But we're shutting down some of these relatively clean sources of energy, even cold now with all, all of the scrubbers and stuff. [00:32:54] But if you look at nuclear, particularly the new nuclear, it is as safe. It's far safer than burning, uh, natural gas that so many grids burn look in New Hampshire, doubling doubled. It doubled the cost of electricity in new H. because we didn't bring on the second nuclear reactor in Seabrook. Right. And we're burning natural gas to generate most of our electricity. [00:33:27] It doubled, it? It's absolutely crazy. The cost, the things that are happening in Washington and locally, like in New Hampshire, like in Texas, like in so many other states are making our lives much worse and. To top it all off. Now they're pushing electric vehicles, which again are not green. They are not safe. [00:33:53] They are hazardous to the environment in so many ways, but particularly. By their manufacturing. So if consumers and businesses really cared about the carbon dioxide that they're emitting, right. That greenhouse gas that's, uh, you know, just absolutely terrible. Uh, they might buy what what's selling right now. [00:34:19] Hmm. Not me. Look. Yeah, EVs electric vehicles like Ford Mustangs, mock E Hummers, EV that's from GM. The, uh, the wonderful new electric pickup. From Ford. Now these are huge vehicles. They are long range electric vehicles, which is what we want. Right. And they can be driven tens of thousands of miles before they rack up enough miles and save enough gasoline to compensate for the emissions created just to produce their batteries. [00:34:56] And that's according to their fans. And when we're talking about the fans, their, their, uh, predictions, their estimates, their statistics typically are what? A little tainted. Right? We talked about that earlier. Yeah. So it, it, it gets to be a problem doesn't it gets to be real problem. So what are they doing in, instead of making the small electric vehicles, like the Nissan leaf? [00:35:25] Which was a great little car. I've told the story of my neighbor, who has the, the leaves. He has a couple of them, and he installed a bunch of solar panels and he uses those to charge his leaves and to run around. Cuz most of what driving he does most driving, I do most of the driving, most people do is just short range, right? [00:35:45] It's less than 30 miles. He just, he loves it. Right, but he's not doing it because it's green. He realizes that it harms the environment to have those solar cells and it harms the environment to drive those electric cars that were very harmful to be made the batteries right now from these electric cars, the outtakes they are storing just like nuclear waste, although there's far more of it than there is. [00:36:15] The nuclear waste, a separate topic entirely, really? I guess there isn't a whole lot of correlation there, but they, they're not able to recycle so many of these batteries. We just don't have the technology for it. So why would you make these big electric vehicles, these sports utility vehicles, these trucks that have the long ranges. [00:36:42] And not something that's nice and small th think European, right? Think of the stupid car from Merc. I mean the smart car from Mercedes, uh, that little tiny car that works great in European cities. Where you don't have a lot of space to park the roads. Aren't very wide. You can kind of zoom around zip in and out fine parking. [00:37:02] And you're not going fast. Not going far makes sense. Right? Same thing with like a Prius with the smaller engines. And yet you see people whipping down the highway passing me. Doing the exact opposite thing that you'd think they'd wanna do. You're driving a small car with a small engine. Maybe it's a hybrid electric gas. [00:37:24] Maybe it's a plug-in hybrid. To do what to stop CO2, supposedly to save the environment. And yet at the exact same time, you are causing more harm than you need to, to the environment by zooming down the highway. That's not what these things are made for, not what they're designed for, but that is what most people could use. [00:37:45] And yet G. Ford Chrysler, none of them are making the vehicles that fit into that part of the marketplace. The other nice thing about the smaller vehicles is they don't require as long to charge cuz they don't have to charge up these big battery packs because you're not going that far. So it's less of a demand potentially on the grid. [00:38:12] Because again, even if you drive that big electric SUV, 30 miles. You are hauling around a thousand pounds, maybe more of batteries that you don't actually need to haul around. See again, it goes back to how so many of us are looking at this stuff. Just like the original Prius poll that I've talked about. [00:38:39] So many times where the number one reason people said that they drove a Prius. This was some 70% of the people was because of what they thought the purchaser of the Prius thought other people would think about them. , this is, this is a real, real problem. You know, the assumption that electric vehicle stops oil from coming out of the ground stops natural gas from coming out of the ground, stops coal from being mined. [00:39:08] That assumption is problematic because it is not true. And when it comes to the carbon footprint, again, I obvious. Obviously the, the environment is changing. The temperatures are changing. It it's obvious, right? Climate denier, some might call me, but it's obvious that climate's changing. It has always been changing Mount Saint Helen's eruption, put more carbon dioxide into the atmosphere than mankind has since the beginning of. [00:39:46] So look at these volcanic eruptions and say, oh, okay. So we've barely scratched the surface as humankind, far less than 1% of global warming is actually caused by humans. but it it's about control, but this isn't a political show. Uh okay. Uh, I guess I am. So let's talk about the next article I had in my newsletter that came out this week again, Tuesday or Wednesday, you can sign up for it. [00:40:17] It's absolutely free. This is my free newsletter@craigpetersondotcomorjustsendmeanemailmeatcraigpeterson.com and ask to be signed up. It looks like president Biden is maybe thinking about going nuclear. I talked about this on the air earlier this week, cuz there's a couple of really interesting things happening. [00:40:41] One is the federal government has authorized some of these new nuclear technologies. To go online. So they've got these different plants. There's a number of different types of plants that are out there and different technologies, but all of them hyper safe and they are actually in small production. [00:41:07] Pretty darn cool. The second thing which I found particularly interesting is that at least. Three times over the last few weeks, president Biden has talked about nuclear power just in passing, right? He, I think he's trying to get his base to get used to the idea because he's been trying to eliminate all forms of energy consumption, but he does seem to maybe favor development of nuclear power or whoever is writing his speeches for him, you know, nuclear. [00:41:41] Is carbon friendly, very carbon friendly, friendlier than windmills or solar parks. And it's a lot more reliable. So I'm, I'm happy about that new plants coming online, just small ones. And that frankly is the future of nuclear, not these huge, huge, and they, he he's talking about it. We'll see, it's absolutely green. [00:42:07] Even as I mentioned, Germany is bringing nuclear plants back online and the European union has declared that nuclear is green technology. And. I'm shocked here because apparently I'm agreeing with the European parliament. Oh wow. What's going on? Hey, visit me online. Craig peterson.com. Make sure you get my insider show notes and the trainings that come out. [00:42:39] Craig peterson.com. [00:42:41] Hey, it looks like if you did not invest in crypto, you were making a smart move and not moving. Wow. We got a lot to talk about here. Crypto has dived big time. It's incredible. What's happened. We get into that more. [00:42:58] Crypto currencies. It, it it's a term for all kinds of these basically non-government sanctioned currencies. [00:43:08] And the idea behind it was I should be able to trade with you and you should be able to trade with me. We should be able to verify the transactions and it's kind of nobody's business as to what's happening behind the scenes. And yet in reality, Everybody's business because all of those transactions are recorded in a very public way. [00:43:33] So crypto in this case does not mean secret or cryptography. It's actually referring to the way the ledgers work and your wallets and, and fact, the actual coins themselves, a lot of people have bought. I was talking with my friend, Matt earlier this week and Matt was saying, Hey, listen, uh, I made a lot of money off of crypto. [00:43:59] He's basically a day trader. He watches it. Is it going up? Is it going down? Which coin is doge coin? The way to go? Cuz Elon must just mentioned it. Is it something else? What should I do? And he buys and sell and has made money off of it. However, a lot of people have. And held onto various cryptocurrencies. [00:44:21] Of course, the most popular one. The one everybody knows about is Bitcoin and Bitcoin is pretty good stuff, you know, kind of bottom line, but 40% right now of Bitcoin investors are underwater. Isn't that incredible because of the major dropoff from the November peak. And this was all started by a problem that was over at something called Tara Luna, which is another cryptocurrency now. [00:44:53] You know, already that there is a ton of vol a ton of, uh, changes in price in various cryptocurrencies, Bitcoin being of course a real big one where, you know, we've seen 5,000, $10,000 per Bitcoin drops. It, it really is an amazingly, uh, fluid if you will coined. So there's a number of different people that have come out with some plans. [00:45:21] How about if we do kinda like what the us dollar used to do, which is it's tied to a specific amount of gold or tied to a specific amount of silver. Of course, it's been a while since that was the case. Uh, president Nixon is the one that got us off of those standards, but. Having gold, for instance, back in your currency means that there is going to be far less fluctuation and your currency means something. [00:45:51] See, the whole idea behind currency markets for government is yeah, you do print money and you do continue to increase the amount of money you print every year. Because what you're trying to do is create money for the. Goods product services that are created as well. So if, if we create another million dollars worth of services in the economy, there should be another million dollars in circulation that that's the basic theory. [00:46:22] Monetary theory really boiling it. Right. Down now of course, you know, already our government has printed way more than it. Maybe should have. It is certainly causing inflation. There's no doubt about that one. So they're looking at these various cryptocurrencies and saying, well, what can we do? How can we have like a gold standard where the us dollar was the currency of the world used and it all its value was known. [00:46:48] You see, having a stable currency is incredibly important for consumers and businesses. A business needs to know, Hey, listen, like we sign a three year contract with our vendors and with our customers. And so we need a stable price. So we know what's our cost going to be, what can we charge our customer here? [00:47:08] Can the customer bear the price increases, et cetera. The answer to most of those questions of course is no, they really, they really can't is particularly in this day and age. So having. Fixed currency. We know how much it's worth. I know in two years from now, I'm not gonna be completely upside down with this customer because I'm having to eat some major increases in prices. [00:47:33] And as a consumer, you wanna look at it and say, wow, I've got a variable rate interest rate on my mortgage. And man, I remember friends of mine back in the eighties, early eighties, late seventies, who just got nailed by this. They had variable rate interest loan on their home because that's all they could get. [00:47:52] That's all they could afford. So the variable rate just kept going up. It was higher than credit cards are nowadays. And I remember a friend of mine complaining, they had 25% interest and that's when they lost a house because 25% interest means if you have a a hundred thousand dollars loan, you got $25,000 in interest that year, you know, let alone principal payments. [00:48:16] So it, it was a really. Thing. It was really hard for people to, to deal with. And I, I can understand that. So the cryptocurrency guys. I said, okay, well let's tie it to something else. So the value has a value and part of what they were trying to tie it to is the us dollar. That's some currencies decided to do that. [00:48:41] And there were others that tried to tie it to. Assets. So it wasn't just tied to the dollar. It was okay. We have X dollars in this bank account and that's, what's backing the value of our currency, which is quite amazing, right. To think about that. Some of them are backed by gold or other precious metals. [00:49:04] Nowadays that includes a lot of different metals. Well, this one coin called Tara Luna dropped almost a hundred percent last. Isn't that amazing. And it had a sister token called Tara us D which Tara Luna was tied to. Now, this is all called stablecoin. Right? The idea is the prices will be stable. and in the case of Tara and Tara S D the stability was provided by a computer program. [00:49:39] So there's nothing really behind it, other than it can be backed by the community currencies themselves. So that'ss something like inter coined, for instance, this is another one of the, there are hundreds of them out there of these, uh, cryptocurrencies. The community backs it. So the goods and services that you can get in some of these communities is what gives value to inter Pointe money system. [00:50:05] Now that makes sense too, right? Because the dollar is only worth something to you. If it's worth something to someone else, right. If you were the only person in the world that had us dollars, who, who would want. Like, obviously the economy is working without us dollars. So why would they try and trade with you? [00:50:27] If you had something called a us dollar that nobody else had, or you came up with something, you made something up out of thin air and said, okay, well this is now worth this much. Or it's backed by that et. Because if again, if you can't spend it, it's not worth anything. Anyhow, this is a very, very big deal because on top of these various cryptocurrencies losing incredible amounts of money over the last couple of weeks, We have another problem with cryptocurrencies. [00:51:01] If you own cryptocurrencies, you have, what's called a wallet and that wallet has a transaction number that's used for you to track and, and others to track the money that you have in the cryptocurrencies. And it it's, um, pretty good. Fun function or feature. It's kind of hard for a lot of people to do so they have these kind of crypto banks. [00:51:23] So if you have one of these currencies, you can just have your currency on deposit at this bank because there's, there's a whole bunch of reasons, but one of the reasons is if. There is a, a run on a bank, or if there's a run on a cryptocurrency, currencies have built into them incredibly expensive penalties. [00:51:47] If you try and liquidate that cryptocurrency quickly. And also if there are a lot of people trying to liquidate it. So you had kind of a double whammy and people were paying more than three. Coin in order to sell Bitcoin. And so think about that. Think about much of Bitcoin's worth, which is tens of thousands of dollars. [00:52:07] So it's overall, this is a problem. It's been a very big problem. So people put it into a bank. So coin base is one of the big one coin coin base had its first quarter Ernie's report. Now, this is the us' largest cryptocurrency exchange and they had a quarterly loss for the first quarter of 2022 of 430 million. [00:52:37] That's their loss. And they had an almost 20% drop in monthly users of coin. So that's something right. And they put it in their statement, their quarterly statement here as to, you know, what's up. Well, here's the real scary part Coinbase said in its earning earnings report. Last Tuesday that it holds the. [00:53:03] 256 billion in both Fiat currencies and crypto currencies on behalf of its customers. So Fiat currencies are, are things like the federal reserve notes, our us dollar. Okay. A quarter of a trillion dollars that it's holding for other people kind of think of it like a bank. However, they said in the event, Coinbase we ever declare bankruptcy, quote, the crypto assets. [00:53:33] We hold in custody on behalf of our customers could be subject to bankruptcy proceedings. Coinbase users would become general unsecured creditors, meaning they have no right to claim any specific property from the exchange in proceedings people's funds would become inaccessible. Very big deal. Very scary for a very, very good reason. [00:54:00] Hey, when we come back, uh, websites, you know, you go, you type stuff in email address, do you know? You don't even have to hit submit. In most cases, they're stealing it. [00:54:12] I'm sure you've heard of JavaScript in your browser. This is a programming language that actually runs programs right there in your web browser, whether you like it or not. And we just had a study on this. A hundred thousand websites are collecting your. Information up-front. [00:54:29] I have a, in my web browser, I have JavaScript turned off for most websites that I go to now, JavaScript is a programming language and it lets them do some pretty cool things on a webpage. [00:54:43] In fact, that's the whole idea behind Java. Uh, just like cookies on a web browser where they have a great use, which is to help keep track of what you're doing on the website, where you're going, pulling up other information that you care about, right? Part of your navigation can be done with cookies. They go on and on in their usefulness, but. [00:55:06] Part of the problem is that people are using them to track you online. So like Facebook and many others will go ahead and have their cookies on other websites. So they know where you're going, what you're doing, even when you're not on Facebook, that's by the way, part of. The Firefox browser's been trying to overcome here. [00:55:30] They have a special fenced in mode that happens automatically when you're using Firefox on Facebook. Pretty good. Pretty cool. The apple iOS devices. Use a different mechanism. And in fact, they're already saying that Facebook and some of these others who sell advertiser, Infor advertisers information about you have really had some major losses in revenue because apple is blocking their access to certain information about you back to Javas. [00:56:07] It's a programming language that they can use to do almost anything on your web browser. Bad guys have figured out that if they can get you to go to a website or if they can insert and add onto a page that you're visiting, they can then use. Your web browser, because it's basically just a computer to do what well, to mind Bitcoin or other cryptocurrencies. [00:56:33] So you are paying for the electricity for them as your computer is sitting there crunching on, uh, these algorithms that they need to use to figure out how to find the next Bitcoin or whatever. Be, and you are only noticing that your device is slowing down. For instance, our friends over on the Android platform have found before that sometimes their phones are getting extremely hot, even when they're not using them. [00:57:00] And we've found that yeah, many times that's just a. Bitcoin minor who has kind of taken over partial control of your phone just enough to mind Bitcoin. And they did that through your web browser and JavaScript. So you can now see some of the reasons that I go ahead and disable JavaScript on most websites I go to now, some websites aren't gonna work. [00:57:23] I wanna warn you up front. If you go into your browser settings and turn off JavaScript, you are going. Break a number of websites, in fact, many, many websites that are out there. So you gotta kind of figure out which sites you want it on, which sites don't you want it on. But there's another problem that we have found just this week. [00:57:44] And it is based on a study that was done. It's reported in ours Technica, but they found. A hundred thousand top websites, a hundred thousand top websites. These include signing up for a newsletter making hotel reservation, checking out online. Uh, you, you probably take for granted that you nothing happens until you hit submit, right? [00:58:10] That used to be the case in web 1.0 days. It isn't anymore. Now I wanna point out we, I have thousands of people who are on my email list. So every week they get my, my, uh, insider show notes. So these are the top articles of the week. They are, you know, usually six to 10 articles, usually eight of them that are talking about cybersecurity, things of importance in. [00:58:38] The whole radio show and podcast are based on those insider show notes that I also share with the host of all of the different radio shows and television shows that I appear on. Right. It's pretty, pretty cool. So they get that, but I do not use this type of technology. Yeah. There's some JavaScript that'll make a little sign up thing, come up at the top of the screen, but I am not using technology that is in your face or doing. [00:59:07] What these people are doing, right? So you start filling out a form. You haven't hit cement. And have you noticed all of a sudden you're getting emails from. Right. It's happened to me before. Well, your assumption about hitting submit, isn't always the case. Some researchers from KU LUN university and university of Lue crawled and analyzed the top 100,000 websites. [00:59:37] So crawling means they have a little robot that goes to visit the webpage, downloads all of the code that's on the page. And then. Analyzed it all right. So what they found was that a user visiting a site, if the, the user is in the European union is treated differently than someone who visits the site from the United States. [01:00:00] Now there's a good reason for this. We've helped companies with complying with the GDPR, which are these protection rules that are in place in the European union. And that's why you're seeing so many websites. Mine included that say, Hey, listen, we do collect some information on you. You can click here to find out more and some websites let just say no, I don't want you to have any information about me. [01:00:25] We collect information just so that you can navigate the site properly. Okay. Very basic, but that's why European union users are treated differently than those coming from the United States. So this new research found that over 1800 websites gathered an EU user's email address without their consent. So it's almost 2000 websites out of the top 100,000. [01:00:54] If you're in the EU and they found. About well, 3000 websites logged a us user's email in some form. Now that's, before you hit submit. So you start typing in your email, you type in your name and you don't hit submit. Many of the sites are apparently grabbing that information, putting it into the database and maybe even starting using it before you gave them explicit permission to do. [01:01:27] Isn't that a fascinating and the 1800 sites that gathered information on European news union users without their consent are breaking the law. That's why so many us companies decided they had to comply with the GDPR because it's a real big problem. So these guys also crawled websites for password leaks and May, 2021. [01:01:54] And they found 52 websites where third parties, including Yex Yex is. Big Russian search engine a and more were collecting password data before submission. So since then the group went ahead and let the websites know what was happening, what they found, uh, because it's not necessarily intentional by the website itself. [01:02:20] It might be a third party, a third party piece of software. That's doing it. They, they informed those sites. Hey, listen, you're collecting user data before there's been explicit consent to collect it. In other words, you, before you hit the submit button and they thought, wow, this is a very surprising, they thought they might find a few hundred website, but. [01:02:44] Course of a year now they found that there were over 3000 websites really that were doing this stuff. So they presented their findings at Usenet. Well, actually they haven't presented 'em yet. Cuz it's gonna be at use N's. In August and these are what they call leaky forums. So yet another reason to turn off JavaScript when you can. [01:03:08] But I also gotta add a lot of the forums do not work if JavaScript's not enabled. So we gotta do something about it. Uh, maybe complain, make sure they aren't collecting your. Maybe I should do a little course on that one so you can figure out are they doing it before even giving permission? Anyhow, this is Craig Peter son. [01:03:29] Visit me online. Craig Peter son.com and sign up for that. No obligation inside your show notes. [01:03:35] We are shipping all kinds of military equipment over to Ukraine. And right now they're talking about another $30 billion worth of equipment being shipped to what was the world's number one arms dealer Ukraine. [01:03:52] I'm looking right now at an article that was in the Washington post. And you know, some of their stuff is good. [01:04:00] Some of their stuff is bad, I guess, kinda like pretty much any media outlet, but they're raising some really good points here. One of them is that we are shipping some pretty advanced equipment and some not so advanced equipment to Ukraine. To help them fight in this war to protect themselves from Russia. [01:04:24] Now, you know, all of that, that's, that's pretty common. Ultimately looking back in history, there have been a lot of people who've made a lot of money off of wars. Many of the big banks financing, both sides of wars. Going way, way back and coming all the way up through the 20th century. And part of the way people make money in war time is obviously making the equipment, the, and supplies and stuff that the armies need. [01:04:57] The other way that they do it is by trading in arms. So not just the supplies. The bullets all the way through the advanced missile systems. Now there's been some concerns because of what we have been seen online. We've talked about telegram here before, not the safest web, you know, app to use in order to keep in touch. [01:05:23] It's really an app for your phone and it's being used. Ukraine to really coordinate some of their hacker activities against Russia. They've also been using it in Russia, te telegram that is in order to kind of communicate with each other. Ukraine has posted pictures of some of the killed soldiers from Russia and people have been reaching out to their mothers in Russia. [01:05:53] They've done a lot of stuff with telegram it's interest. And hopefully eventually we'll find out what the real truth is, right? Because all sides in the military use a lot of propaganda, right? The first casualty in war is the truth. It always has been. So we're selling to a country, Ukraine that has made a lot of money off of selling. [01:06:18] Been systems being an inter intermediary. So you're not buying the system from Russia? No, no. You're buying it from Ukraine and it has been of course, just as deadly, but now we are sending. Equipment military great equipment to Ukraine. We could talk about just that a lot. I, I mentioned the whole lend lease program many months ago. [01:06:44] Now it seems to be in the news. Now takes a while for the mainstream media to catch up with us. I'm usually about six to 12 weeks ahead of what they're talking about. And so when we're talking about Lynn Le, it means. We're not giving it to them. We're not selling it to them. We're just lending them the equipment or perhaps leasing it just like we did for the United Kingdom back in world. [01:07:10] Wari, not a bad idea. If you want to get weapons into the hands of an adversary and not really, or not an adversary, but an ally or potential ally against an adversary that you have, and they have. But part of the problem is we're talking about Ukraine here. Ukraine was not invited in NATO because it was so corrupt. [01:07:33] You might remember. they elected a new president over there that president started investigating, hired a prosecutor to go after the corruption in Ukraine. And then you heard president Joe Biden, vice president at the time bragging about how he got this guy shut down. Uh, yeah, he, he got the prosecutor shut down the prosecutor that had his sights on, of course hunter Biden as well as other people. [01:08:00] So it it's a real problem, but. Let's set that aside for now, we're talking about Ukraine and the weapon systems we've been sending over there. There have been rumors out there. I haven't seen hard evidence, but I have seen things in various papers worldwide talking about telegrams, saying. That the Ukrainians have somehow gotten their hands on these weapons and are selling them on telegram. [01:08:29] Imagine that, uh, effectively kind of a dark web thing, I guess. So we're, we're saying, well, you know, Biden administration, uh, you know, yeah. Okay. Uh, that, that none of this is going to happen. Why? Well, because we went ahead and we put into the contracts that they could not sell or share or give any of this equipment away without the explicit permission of the United States go. [01:09:00] Well, okay. That, that kind of sounds like it's not a bad idea. I would certainly put it into any contract like this, no question, but what could happen here? If this equipment falls into the hands of our adversaries or, or other Western countries, NATO countries, how do you keep track of them? It it's very hard to do. [01:09:22] How do you know who's actually using. Very hard to do so enforcing these types of contracts is very difficult, which makes a contract pretty weak, frankly. And then let's look at Washington DC, the United States, according to the Washington post in mid April, gave Ukraine a fleet of I 17 helicopter. Now these MI 17 helicopters are Russian, originally Soviet designs. [01:09:55] Okay. And they were bought by the United States. About 10 years ago, we bought them for Afghan's government, which of course now has been deposed, but we still have our hands on some of these helicopters. And when we bought them from Russia, We signed a contract. The United States signed a contract promising not to transfer the helicopters to any third country quote without the approval of the Russian Federation. [01:10:27] Now that's according to a copy of the certificate that's posted on the website of Russia's federal service on military technical cooperation. So there you. Russia's come out and said that our transfer, those helicopters has grossly violated the foundations of international law. And, and you know, what they, it has, right. [01:10:48] Arms experts are saying that Russia's aggression Ukraine more than justifies us support, but the violations of the weapons contracts, man, that really hurts our credibility and the, our we're not honoring these contract. How can we expect Ukraine to honor those contracts? That's where the problem really comes in. [01:11:13] And it's ultimately a very, very big problem. So this emergency spending bill that it, you know, the $30 billion. Makes Ukraine, the world's single largest recipient of us security assistance ever. They've received more in 2022 than United States ever provided to Afghanistan, Iraq, or Israel in a single year. [01:11:40] So they're adding to the stockpiles of weapons that we've already committed. We've got 1400 stinger anti-aircraft systems, 5,500 anti tank, Mitch missiles, 700 switch blade drones, nine 90. Excuse me, long range Howards. That's our Tillery 7,000 small arms. 50 million rounds of ammunition and other minds, explosives and laser guided rocket systems, according to the Washington post. [01:12:09] So it's fascinating to look. It's a real problem. And now that we've got the bad guys who are using the dark web, remember the dark web system that we set up, the onion network. Yeah. That one, uh, they can take these, they can sell them, they can move them around. It is a real problem. A very big problem. What are we gonna do when all of those weapons systems come back aimed at us this time? [01:12:40] You know, it's one thing to leave billions of dollars worth of helicopters, et cetera, back in Afghanistan is the Biden administration did with their crazy withdrawal tactic. Um, but at least those will wear out the bullets, missile systems, Howard, yours, huh? Different deal. [01:13:00] It seems like the government calls war on everything, the war against drugs or against poverty. Well, now we are looking at a war against end to end encryption by government's worldwide, including our own. [01:13:17] The European union is following in America's footstep steps, again, only a few years behind this time. [01:13:26] Uh, but it's not a good thing. In this case, you might remember a few have been following cybersecurity. Like I have back in the Clinton administration, there was a very heavy push for something called the clipper chip. And I think that whole clipper chip. Actually started with the Bush administration and it was a bad, bad thing, uh, because what they were trying to do is force all businesses to use this encryption chip set that was developed and promoted by the national security agency. [01:14:04] And it was supposed to be an encryption device that is used to secure, uh, voice and data messages. And it had a built in. Back door that allowed federal state, local law enforcement, anybody that had the key, the ability to decode any intercepted voice or data transmissions. It was introduced in 93 and was thank goodness. [01:14:32] Defunct by 1996. So it used something called skip Jack man. I remember that a lot and it used it to transfer dilly or Diffy excuse me, Hellman key exchange. I've worked with that before crypto keys. It used, it used the, uh, Des algorithm, the data encryption standard, which is still used today. And the Clinton administration argued that the clipper chip. [01:14:59] Absolutely essential for law enforcement to keep up with a constantly progressing technology in the United States. And a lot of people believe that using this would act as frankly, an additional way for terrorists to receive information and to break into encrypted information. And the Clinton administration argued that it, it would increase national security because terrorists would have to use it to communicate with outsiders, bank, suppliers, contacts, and the government could listen in on those calls. [01:15:33] Right. Aren't we supposed to in United States have have a right to be secure in our papers and other things, right? The, the federal government has no right to come into any of that stuff unless they get a court order. So they were saying, well, we would take this key. We'll make sure that it's in a, a lock box, just like Al gore social security money. [01:15:55] And no one would be able to get their hands on it, except anyone that wanted to, unless there was a court order and you know how this stuff goes, right. It, it just continues to progress. And. A lot worse. Well, there was a lot of backlash by it. The electronic privacy information center, electronic frontier foundation boast, both pushed back saying that it would not. [01:16:20] Only have the effect of, of not, excuse me, have the effect of this is a quote, not only subjecting citizens to increased impossibly illegal government surveillance, but that the strength of the clipper trips encryption could not be evaluated by the public as its design. Was classified secret and that therefore individuals and businesses might be hobbled with an insecure communication system, which is absolutely true. [01:16:48] And the NSA went on to do some things like pollute, random number generators and other things to make it so that it was almost impossible to have end-to-end encrypted data. So we were able to kill. Many years ago. Now what about 30 years ago? Uh, when they introduced this thing? Well, it took a few years to get rid of it, but now the EU is out there saying they want to stop end, end encryption. [01:17:15] The United States has already said that, or the new director of Homeland security has, and as well as Trump's, uh, again, Homeland security people said we need to be able to break the. And, and we've talked about some of the stories, real world stories of things that have happened because of the encryption. [01:17:36] So the EU has now got a proposal forward that would force tech companies to scan private messages for child sexual abuse material called CSAM and evidence of grooming. Even when those messages are, are supposed to be protected by end to end encrypt. So we know how this goes, right? It, it sta

Dynasty Vipers Viper Cast
Top 5 Fantasy Football Assets | Denver Broncos

Dynasty Vipers Viper Cast

Play Episode Listen Later Jul 29, 2022 6:53


The 2022 fantasy football season is closer every day, so it's time to look at which players carry the most fantasy value moving forward, especially in those dynasty leagues. It's better to move on too early than too late. Let's look at the Denver Broncos and which 5 players on their current roster offer the most value for fantasy managers for 2022 and for dynasty. Stay tuned for more NFL news, once a big signing or trade goes down we have you covered right here, on the Vipers Network. Head to fantasypoints.com and subscribe today. Use promo code VIPERS22 and save 10% off that subscription

Pandemic Planet
Ann Keeling: Female healthcare workers need to be seen as “assets and not volunteers”

Pandemic Planet

Play Episode Listen Later Jul 29, 2022 28:00


Katherine is joined by Ann Keeling, Senior Fellow with Women in Global Health and lead author of WGH's new policy brief, Subsidizing Global Health: Women's Unpaid Work in Health Systems. Neglecting to pay women appropriately for their contributions to the global health workforce is not new. In 2015, the Lancet Commission on Women and Health estimated that women contribute $3 trillion to global health activities every year but that at least half of that labor is unpaid, with negative implications for women's professional opportunities in the long term. Katherine and Ann discuss why women take on more underpaid or unpaid positions than men; how the stresses of the pandemic have created even greater challenges for this cadre of unpaid workers; and how making greater investments in female health workers could positively impact the quality of care they are able to provide. What happens when women in the global health workforce aren't paid or supported appropriately? And what key indicators can be used to ensure progress is being made in making the global health workforce more gender equitable? Ann Keeling, WGH Senior Fellow, is a British citizen whose 40-year career in global health and social development has included posts in Pakistan, Papua New Guinea, Indonesia, the Caribbean, Belgium, the USA, and her home country, the UK. She held the post of Head of Gender Equality Policy with the UK Government and is currently the Chair of the NGO Age International.

How to Scale Commercial Real Estate
Starting From 11 Rental Units to 1.2 Billion In Assets

How to Scale Commercial Real Estate

Play Episode Listen Later Jul 29, 2022 21:40


Welcome Back! Today we are joined by Lane Kawaoka, Lane is a licensed Profesional Civil/Industrial Engineer, He now focused 100% of his time on his investments and helping others in his Passive Investor Accelerator & Mastermind program. He began investing in 2009 in Seattle and was able to buy early right after college. He has now 1.2 Billion worth of assets under management including multifamily housing developments and hotels.   [00:00 - 06:09] Opening Segment Lane Kawaoka started out as an engineer, buying rental properties and starting to syndicate them into larger projects He has 1.2 billion in assets under management, including multifamily housing developments and hotels He has a decisive moment where he realized that he was just the entrepreneur in the real estate game and started to hire out property management professionals   [06:09 - 11:37] Homes in the Multi-Family Market Remain Available Lane believes that there is always an opportunity for acquisition but cautions that interest rates are rising and this could impact debt service coverage ratios and holding costs. Lane adds that the current market conditions are indicative of a soft landing, rather than a buyer's market.   [11:37 - 17:24] Multifamily Market is a Vacuum  The market is a little vacuum buyer's market, with sellers' market conditions. The trend for Lane's company was to get into larger projects while buying smaller properties as well. Debt surface coverage ratios are not where they need to be and the prices being paid for multifamily properties are not justified. Lane shares that development is a good option for those who have the expertise and the budget to do it, but it is difficult to find land at a good price.     [16:30- 16:57] Closing Segment Reach out to Lane Kawaoka Links Below Final Words   Tweetable Quotes “ It's just a matter of bringing in the right professionals and getting to a large scale to be able to pay the right professionals to do it. But it's actually the construction element part, getting the architect, getting the construction management, putting it all together, managing it, and fighting every day with the contractors to get it built on time, on the schedule of budget. Now that's the hard.”- Lane Kawaoka   ---------------------------------------------------------------------------- Connect with Lane Kawaoka visit his website at www.simplepassivecashflow.com Or email him through Lane@simplepassivecashflow.com     Connect with me:   Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below: [00:00:44] Sam Wilson: Lane Kawaoka. Welcome to the show.  [00:00:47] Lane Kawaoka: Hey, thanks for having me, Sam Aloha, everybody.  [00:00:50] Sam Wilson: Pleasure to have you, man. Welcome. Welcome to the show from Hawaii. I'm certainly jealous of your location. Sounds like a great place to be here today on this hot day in June, but land, I've got three questions for you that I ask every guys who comes in the show in 90 seconds or last, can you tell me, where did you start? [00:01:04] Sam Wilson: Where are you now? And how did you get there?  [00:01:07] Lane Kawaoka: Where did I start while I was a lowly engineer that didn't really like my job that graduated college in 2007. And I bought a little rental property and bought a bunch of turnkeys after that. And then I started syndications back in 2016 where I'm at today. [00:01:23] Lane Kawaoka: We currently own over 8,000 rental units. 1.2 billion in assets under ownership, multifamily, or workforce multifamily. so hotels developments but all under the real real estate space, that kind of goes under the so the recession proof theory, right? That at the end of the day, this is a commodity, especially if you cater towards the workforce housing sector. [00:01:48] Lane Kawaoka: Which is the col of the American population that, the, the need isn't getting any smaller for that. And then what was the third question? How'd you get there? How'd I get there? Well, it all kind of starts with the first one, right? Buying that first rental property, then saving your money and for down payments to buy the next one, I eventually got 11 rentals in 2015, and that was when I started to realize, although little rental properties are a great way to get your net worth out of the ground to half a million, million dollars. [00:02:18] Lane Kawaoka: It's just not scalable for credit investors. And that was when I started to get into these larger multi-family syndicated projects.  [00:02:27] Sam Wilson: That's fantastic. How, how did you, I mean, having 11 units in 2015, where that's seven years ago, I mean, that's pretty meteoric growth in seven years ago, from 11 rental units to 1.2 billion in assets, under management. [00:02:41] Sam Wilson: What, what were, there were some very decisive steps that I feel like you had to take. In, in that seven year run, what do you feel like were some of those key key decisions you made in that process?  [00:02:56] Lane Kawaoka: Well, I mean, part of it's vanity metrics, right? Like we say, you own over 8,000 yet. I don't personally own 'em all 100%. [00:03:03] Lane Kawaoka: I own a fraction of it cuz we syndicated out would bring investors in. But if you probably do look at the equity, it probably has been an exponential growth. A part of it was just, telling folks what we did. And, we started with buying little class C crappy properties with that were kind of a pain in the butt with difficult tenants. [00:03:21] Lane Kawaoka: Eventually moved more into buying class B assets. I still think that's a nice little sweet spot, especially if you buy in the emerging markets such as like, Phoenix, Houston, Dallas, Huntsville, Then we started to realize that we were just the entrepreneurs in this game and we started to hire it out to, property management professionals. [00:03:41] Lane Kawaoka: Who've been in the industry over a decade and started to expand the team. And that's how we were able to kind of get, deal done every other month and scale pass, 5,000 units or, definitely get over. Like, I would say $500 million of assets of their ownership is kind of a big. [00:03:58] Sam Wilson: Yeah. Was there, was there a point in time when you said, okay, the, the machine can now kind of self replicate its own success?  [00:04:07] Lane Kawaoka: I think there was maybe a big aha moment when you start to hire people under you that. Know, a lot better than you and will always know a lot better than you as the, the owner or founder. [00:04:19] Lane Kawaoka: And, but, I guess that's like not to be, not, not a surprise. Right. But, for some strange reason, I think people in real estate think that, oh, anybody can do this. And on one level they are. Right. Right. It's not that difficult, but. Just like how, if I just tease one of my doctor friends, Hey, I'm gonna be a doctor tomorrow. [00:04:39] Lane Kawaoka: So just to laugh at me, just like, if when I was an engineer, Hey, I'm just being an engineer, good luck buddy. You go to school for it and, work as sort of a semi white collar journey, man. No different than property management, right? Like, I mean, you wanna hire people that have been doing it for decade. [00:04:55] Lane Kawaoka: Plus sat at the leasing table. Who's lived that life for five, 10 years and can look at a set of financials and know what's really going on. Where. Somebody like myself. I mean, I guess I'm kind of smart with numbers, I can follow patterns. That's just not, you're not, I'm not gonna have the holistics that somebody who's been in the industry, just like, construction engineer or project manager. [00:05:19] Lane Kawaoka: I mean, that was kind of the world I came from. There are things that I know about, building contracts, holding contractors, accountable that, I, I kind of laugh and joke. You see these house slippers. There's some, Joe who doesn't have a professional job, number one, Or maybe they're an accountant and they know numbers well, but they don't know the side of managing contracts, managing scope, scheduled budget, playing the game with contractors. [00:05:42] Lane Kawaoka: And there's a reason why there's the word con and the contractors name . But you know, I mean, I think some things you can learn, but some things I think you have to go through. Going, living, learning it on the job and that takes decade and, I'm not a big fan of college, but I think college prepares people for this type of stuff. [00:05:59] Lane Kawaoka: I'm, I'm a big fan of, if I had kids I'd like to have, 'em go work for BlackRock or something like that, or property management from for six months, not forever. But I think that a lot of that insight is invaluable. Yeah,  [00:06:12] Sam Wilson: absolutely. And I think, I think what you, what you said there was that your aha moment came when you realized that people were coming on board as team members that knew a whole lot more about the industry than you. [00:06:23] Lane Kawaoka: Yeah. That's that's correct. That's correct.  [00:06:26] Sam Wilson: Yeah. I think that's a fun, that's a fun place to be. And somewhere, I think that, maybe, maybe all of us as we're scaling our portfolios and growing our companies, that's something that that's, that's somewhere we should be consistently shooting for is bringing people on. [00:06:39] Sam Wilson: Around us that are better better at what, better at this than we are. And I think it's a common myth. I think even myself at times, I find it hard to believe that somebody else would wanna come work with me that maybe is better, better at a certain section of this business than I am. And it's, it's just, it's just not  [00:06:55] Lane Kawaoka: true. [00:06:56] Lane Kawaoka: Yeah. Well, I mean, there's a lot of people out there that are good number twos and number threes. They don't wanna do all the marketing nonsense and the business develop. There's also a lot of people who think that they can do that, but they're not, and they're good number twos and cos and operators. [00:07:12] Lane Kawaoka: But I think the people who realize what, where they're good at most times, the entrepreneur, the founder is kind of just the good BS talker and the, the idea visionary. And they can't really put stuff together. But, those, I think it, at the end of the day, you need to kind of realize where you're at. [00:07:29] Lane Kawaoka: I mean, the emit is kind of a great book for that. They kind of understand working in your business, not on it, but know, I mean, no different than like, the model that we use is just like a lot of, institutional, private equity firms, guys with 10, 20 billion of assets on their ownership, this is you look at their, their rosters of employees and that's kind of the B. [00:07:50] Lane Kawaoka: Right.  [00:07:50] Sam Wilson: Yeah, absolutely. Absolutely. We talked about this off air, before we started, recording here. And you said that you guys have kind of taken a pause on acquisitions for the moment. Can you give some, give some insight as to that as to why that is?  [00:08:06] Lane Kawaoka: Yeah, I mean, I think no secret the interest rates have kind of jumped up a little bit. [00:08:10] Lane Kawaoka: And, that will change your debt, service coverage ratios a little bit, definitely change your, your holding costs and how much you cash flow. Although I would, I, I tell investors all the time, like in this type of investing, we're not doing the buy hope and pre model, the buy hope and pre model, people own little rental properties or, don't really do value add to their projects. [00:08:31] Lane Kawaoka: The interest rate matters a heck of a lot. Even half of a point can take a huge chunk of your cash flow. I mean, we're, we're in the value add game, so it doesn't really matter too much, but, I think there's a lot of uncertainty. I haven't seen it jump up this. I mean, I've seen it jump up this much, but not like two to three, months in a row. [00:08:51] Lane Kawaoka: Right. I think next month they're saying they're gonna be a half a point. It all makes sense. Right? They're they're using the, these quantitative, I think tightening is the right word to ease off the inflation. It's a war on inflation right now, to me, this is exactly what the fed is supposed to do to ensure that we don't go into a hard landing recession. [00:09:13] Lane Kawaoka: And we stated this soft landing and off to the races for another five to 10 years, right after this. But you know, this, this is all intended. And what I look at is the unemployment at the unemployment's pretty much at, semi all time lows right now, as long as that stays pretty healthy and. We'll be fine and we'll come right out of it. [00:09:33] Lane Kawaoka: But from our perspective, I mean, things are changing a little bit. So we decided to take a little bit of a break and we've been pretty heavy buying stuff since the year 2020 in the pandemic. And I think that year really set us apart. We're, we're when a lot of people just like fell off the map cause they couldn't close deals. [00:09:52] Lane Kawaoka: I think that's what really established us, empowered us through 2021 and 2022. Where we are, we were making acquisitions, I would say every other month some kind of a deal. And that really got us up to the top of the list with a lot of brokers because we're active during those times. So part of it is we just, I mean, personally, wanna take a little bit of a break a little bit for maybe a month or several months, and to see how this, sloshes through the system. [00:10:19] Lane Kawaoka: Although right now there is a little bit of a buying opportunity. A lot of the larger institutions the guys, who own over $5 billion in assets, in their ownership, the big sharks that can show most of the money and most of the, the markets they've kind of pulled back just like, how will we have, and part of it is, I was kind of copying what they were doing too. [00:10:39] Lane Kawaoka: But They will they'll eventually come back because they have to, right. That's how these big institutions make money by just placing the money, which should make most people sick to their stomach, hearing that. But that's the reality. but they'll, they'll come back in maybe in the next month or two. And then that will put things right back into the cell, the general seller's market that we are it. [00:10:58] Lane Kawaoka: I still believe we are still. But there is a little bit of buying opportunity, but that's, that's kind of where my head's at with the whole multi family market.  [00:11:06] Sam Wilson: Yeah. I like, I like that. And, and yeah, I do. I do see that there's a slight, I mean, I think anytime there's, it's like, I don't know. It's like coming up for air. [00:11:14] Sam Wilson: It's like, oh, Hey, any, any air is good air. And so people, when they see a slight softening in the market, like, oh, maybe it's becoming a buyer's market. Well, Maybe, but we've got a long way to go before, before this becomes a real, yes, there may be buying opportunities, but I don't, I don't think we're anywhere near a buyer's market yet. [00:11:31] Sam Wilson: I think we got a lot of places or a lot of a lot. It's gotta get a lot worse before this becomes a buyer's market.  [00:11:37] Lane Kawaoka: Tell me about it's a little, a little vacuum buyer's market vacuum within the sellers market, essentially.  [00:11:43] Sam Wilson: Yeah, I think that's, that's, that's actually a great way to put that. I really like that you guys are focusing, I know you, you, you said you're not doing anything necessarily on the, on the value add multifamily. [00:11:53] Sam Wilson: Are you guys doing development? Are you guys doing, I mean, what else are you working on then? If, if you're not buying multifamily properties right now?  [00:11:59] Lane Kawaoka: Yeah, I mean, our, our general trend was to kind of get into larger projects. As I mentioned, we started to do a lot of smaller class CS, 50 units, a hundred units. [00:12:08] Lane Kawaoka: When we first started a lot of those tenants. I mean, you can make a lot of money in that type of stuff, but it's, it's a real headache, cuz your collection are way worse than their class B or eight tenant. And that ultimately is, for passive investor and passive investors perspective, they don't give a rip right about that. [00:12:26] Lane Kawaoka: That's my problem. But I care a lot, the Jesus is not worth the squeeze. I don't really wanna do it. I'd rather just do class B and, have it be a little bit smoother process and have distributions come out a little bit more inconsistently which is why we've tried to, fight towards, larger class B assets larger deals. [00:12:45] Lane Kawaoka: And then now, especially where, things are kind of going these last several months. I would say like late last year we bought like a deal for like 89 grand and now it's worth like one 20 for no good reason. I mean, it's just market appreciation and it just seems a little silly to be buying it at that price. [00:13:03] Lane Kawaoka: And it's starting to get to a point. I mean, it has been getting to a point where like the debt surface coverage ratios aren't making, aren't where it was. We don't have as much. Fat there. Right? So this is just the whole tides. All tides are rising on boats. So from my perspective, if it makes sense to get on the train of more heavier value ad where you have more deeper margins, you have to buy, you have to build the thing, which is an expertise that a lot of people don't have. [00:13:32] Lane Kawaoka: I mean, that's what I went to school for as a construction management, civil engineer. It's just a matter of bringing in the right professionals and getting to a large scale to be able to pay the right professionals to do it. So I think that's what one of a misnomer, a lot of people have is, development and, development just pulling the deal together. [00:13:50] Lane Kawaoka: But it's actually the construction element part, getting the architect, getting the construction management, putting it all together, managing it and fighting every day with the contractors to get it built on time, on schedule of budget. Now that's the hard part, but if you hire the right professionals and you have enough budget, right? [00:14:08] Lane Kawaoka: That's the other key thing. I mean, usually a capital raise of over five to 20 million in that range is what you need to have adequate budget to go after it. So you're not building a little 50 unit property, usually gotta go bigger over 200, 300 units. And then you can go to this certain scale and that's kind of that, that shelf. [00:14:29] Lane Kawaoka: So it's always like this kind of constant swimming upstream to find locations or areas where there's less competition as people doing it in larger margins. So that whole concept where, you know, the, the air's nicer up at the top of the mountain, cuz there's less competition around. And the nice thing about development is. [00:14:50] Lane Kawaoka: You don't really have to worry about little undulations in the market, bumps along the road. You just build it. You, you just raise all the capital up front, you build it. And you're kind of in a vacuum for two to three years that you're building it. And even if you, come out in a horrible time, I mean, in theory, you should have enough, you should be building it for such a price where it's just you're you. [00:15:16] Lane Kawaoka: You would like have so much margin and another thought too was, like the price that you're paying for these class B units. I mean, like you could build that stuff brand new, right? You just have to go through the headache of building it. And then now you have a brand new property that is like 30, 40, maybe even 50 years, you have that much length and run time. [00:15:41] Lane Kawaoka: So that thing degrades to a class B for that same damn price. Right. I mean it just, when you look at it from that perspective, I mean, it just kind of make it's a no brainer, but the hard part with this whole model is the land. The land to buy this stuff in the right places is very difficult, much more difficult to find that amazing deal, a hundred unit class, B, C property still harder. [00:16:03] Lane Kawaoka: And then you have to kind of, a lot of times the general partners have to put up all the money for the land purchase. There's a little bit, your general partners need to be a little bit more higher network to be able to cover that. but , that's another, basically, we've kind of opened things up, right. [00:16:16] Lane Kawaoka: To hit other pitches instead of just swinging at class B multifamily and B plus areas in the sun spell, it's like if you're only waiting for that inside pitch, right above the belt, You, you, you there are other good pitches that you might be able to do something with. Right. It's the baseball analogy,  [00:16:33] Sam Wilson: right? [00:16:33] Sam Wilson: No, I love that. And, and, and development is certainly yeah, I mean, I've heard that from a lot of people who come on the show that our developers are like, Hey, this is why we play here. And they've said the same thing you've said, which is that the reason we develop is we can, we can build for less than what we can buy. [00:16:49] Sam Wilson: 20 or 30 year old stock for even after we value add, it's still, we can still develop it for less than that. One of the things we saw in 2007, eight was that you, I remember just, just driving by project, up for project to project half built, they ran outta funding, the credit lines dried up half built projects. [00:17:07] Sam Wilson: Do you see any fear of that? Same scenario repeating itself. If we do go into a deep  [00:17:12] Lane Kawaoka: recession, So good observation. So what's happening there is these BOS aren't going in fully capitalized for the entire build, which is a common practice of larger institutions. They run very lean. I think too much at risk type of their, their cash flow model. [00:17:30] Lane Kawaoka: So we actually have like next to one of our in progress builds, we have like another institutional run they're hell of a lot slower, but what they do too is like they, they start to open up their facility in phases. Ah, they won't build the other half or, Until the first half is opened, created cash flow. [00:17:50] Lane Kawaoka: They use that cash flow to buy materials for the other one. It makes sense from like a large, institution point of view, you, you don't have these huge overlays of cash and it's not sitting for three, four years, but I mean, as the general partner, I mean, I don't want my ass hanging out there. [00:18:07] Lane Kawaoka: And not have something built because I guess he was going to have to take the recourse for that. Cuz as sure as heck it could be the passive investors, right. right. They, they ain't gonna pitch in and do capital calls for that kind of stuff. Right. And that's why, it just, I mean, selfishly and I, but I think this is more conservative, you go in with all the money you need up front for the build, you get your bank loan for the whole thing and then you, you build it. [00:18:33] Lane Kawaoka: It's a very rare circumstance that the construction loans will be frozen, which happened to some people in 2008. Yep. But majority of, I know what you're talking about, cuz there are, they're all over the place to me. I mean every situation is different, but most of those was a byproduct of, they just didn't have all the capital raised up front and that was, it's not, it's a common practice. [00:19:00] Lane Kawaoka: Sure.  [00:19:01] Sam Wilson: It, it sounds like your way of getting over that is just raising the capital upfront and just acknowledging that, Hey, we're gonna raise it all up front and that cash might be sitting idle until you need it, but you're it's for you. It's it is it's almost its own insurance policy. So if you look at it, the cost of capital sitting idle, it's like, well, that's not really just that, that you're just paying insurance so that you have the money when you need. [00:19:24] Lane Kawaoka: I mean, if people wanna go do their own deals and. Do it, I'm sure you can pump your IRS up by not having that capital, just sitting there, but good luck do it yourself. Then .Right yeah to me, to me, even if you raise all the capital up front, I mean, for a development deal, I mean, for, for the sort of perceived more risk than going into a stabilized asset. [00:19:47] Lane Kawaoka: I mean, you better be doubling tripling your money in that time or better. Right. but I'm sure the way these other guys do it, where they raise their money in adjusted time format. , I'm sure they're, they're technically hitting like. IRS of the forties to 50% plus slam, but like really do you need that? [00:20:06] Lane Kawaoka: If you need that, go invest, go gamble. And some outgoing crypto, , I mean, the reason why we invest in real estate, cuz it's a hard asset at the end of the day provides income and it's stable, right? I mean, this is not like a get rich quick skiing. This is a, , have your money get your money on the table and have it work for you. [00:20:26] Lane Kawaoka: But you don't have to worry about the damn thing, losing money.  [00:20:29] Sam Wilson: Right, right. You said it, man. You said it laying. I've enjoyed having you on the show today. Thank you for taking the time to come on and share with us your insights on the market. What you guys have been buying, how you guys are doing things differently, how you are, dealing or, or doing some developments and things right now that maybe are a little bit different. [00:20:46] Sam Wilson: And even then also on how to protect yourself in, in a develop. In a, in a changing financing environment. So it's been been a lot of fun to have you on. Certainly appreciate it and have enjoyed it. Tell me this, if our listeners wanna get in touch with you or learn more about you, what is the best way to do  [00:21:01] Lane Kawaoka: that? [00:21:02] Lane Kawaoka: Yeah, they can check out my website, simple passive cash flow.com. And then they're interested in connecting. My email is lane simple cashflow.com. Awesome  [00:21:12] Sam Wilson: lane. Thank you again. Certainly appreciate it.  

Macro Hive Conversations With Bilal Hafeez
Lindsay Politi On the Inflation Path, Fed Cuts and Money Printing

Macro Hive Conversations With Bilal Hafeez

Play Episode Listen Later Jul 29, 2022 44:17


Lindsay Politi is Head of Inflation Strategies at  One River Asset Management. Lindsay began her career at Wellington Management in Boston where she was head of Global Inflation-linked Investments. In that role she was one of the top TIPS managers by assets, managing over $10 billion in dedicated assets, with a top quintile track record for excess in her peer group. She then joined Tudor Investment Corporation in Greenwich as a discretionary macro investor, translating her inflation strategy onto a macro hedge fund platform. She then joined One River Asset Management in 2018. In this podcast we discuss: 1) The short-, medium- and long-term drivers of inflation. 2) Why near-term inflation could still rise even with growing recession fears. 3) Why changes in interest rates could matter more than the levels of interest rates. 4) How housing affects inflation. 5) Are there parallels to the 1970s? 6) Why inflation volatility matters. 7) Will the Fed cut rates in 2023? 8) Why the TIPs market may not give an accurate measure of long-term inflation. 9) The income potential of TIPs bonds. 10) The case of low inflation in Japan. 11) Books mentioned: Slouching Toward Utopia (DeLong), The Dawn of Everything (Graeber, Wengrow), Amusing Ourselves to Death (Postman).

Dynasty Vipers Viper Cast
Top 5 Fantasy Football Assets | Dallas Cowboys

Dynasty Vipers Viper Cast

Play Episode Listen Later Jul 28, 2022 7:00


The 2022 fantasy football season is closer every day, so it's time to look at which players carry the most fantasy value moving forward, especially in those dynasty leagues. It's better to move on too early than too late. Let's look at the Dallas Cowboys and which 5 players on their current roster offer the most value for fantasy managers for 2022 and for dynasty. Stay tuned for more NFL news, once a big signing or trade goes down we have you covered right here, on the Vipers Network. Head to fantasypoints.com and subscribe today. Use promo code VIPERS22 and save 10% off that subscription

Denver Real Estate Investing Podcast
#394: Protecting the People You Love as Your Assets Grow

Denver Real Estate Investing Podcast

Play Episode Listen Later Jul 28, 2022 27:49


We're back with part 2 of our 3-part series on Real Estate Wealth Preservation. In this episode, we're focusing on how an intermediate investor can protect the ones they love as their real estate portfolio grows. Our panel of experts answer questions about various tax, legal, insurance, and estate planning strategies investors can use to preserve their assets and ensure they're passed onto their heirs.

Finance with Fernando
Income, Assets, Credit - Part 1

Finance with Fernando

Play Episode Listen Later Jul 28, 2022 23:38


This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 1 I explain the importance of discussing your income when applying for a loan and what lenders look for. You'll hear some real life scenarios and what can derail your deal, so you're prepared. Feel free to email me if you'd like me to discuss a specific topic. RealMortgageMaverick@gmail.com. Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Coffee and Converse
How To Create Saleable Assets With Your IP With Erin Austin

Coffee and Converse

Play Episode Listen Later Jul 28, 2022 37:56


If you've never considered your exit strategy or you just thought you'd let it happen “naturally”, get ready for a different perspective. Erin Austin walks you through why saleable assets will set you free and all the legal hoops you'll need to jump through first. Key Takeaway Saleable assets require due diligence to ensure that you are only selling what's legally yours and that might be less than you think you own. We talk about The intellectual property rules How to create saleable assets Licensing models, methods, and motivations..oh my! What you absolutely must do first when creating your assets What to consider when you want to exit the business or sell the asset Links To read the transcript, grab the resources and explore other episodes go to dianemayor.com/170

No Agenda
1471 - "Smugly"

No Agenda

Play Episode Listen Later Jul 28, 2022 184:54


No Agenda Episode 1472 - "Smugly" "Smugly" Executive Producers: Sir Mindfall Roderick Pauw Wirt Fuller Matt Hyde Daniel Estes Sir Meachamus Prime, Knight of the Moon Bases of Cybertron Associate Executive Producers: Dame Astrid + Sir Mark - Duchess + Duke of Japan and all the Disputed Islands in the Japan Sea Martin rob moreira Sir Greasemonkey of the West Texas Oilfields Brian Telecky Become a member of the 1473 Club, support the show here Boost us with with Podcasting 2.0 Certified apps: Podfriend - Breez - Sphinx - Podstation - Curiocaster - Fountain Knights & Dames Kevin Fatte -> Sir Mindfall Christopher Meacham -> Sir Meachamus (`mē-cha-mus) Prime, Knight of the Moon Bases of Cybertron (`sī-ber-tron) Art By: KorrektDaRekard End of Show Mixes: Deez Laughs - GWFF - Neal Jones Engineering, Stream Management & Wizardry Mark van Dijk - Systems Master Ryan Bemrose - Program Director Back Office Aric Mackey Chapters: Dreb Scott Clip Custodian: Neal Jones NEW: and soon on Netflix: Animated No Agenda No Agenda Social Registration Sign Up for the newsletter No Agenda Peerage ShowNotes Archive of links and Assets (clips etc) 1472.noagendanotes.com New: Directory Archive of Shownotes (includes all audio and video assets used) archive.noagendanotes.com RSS Podcast Feed Full Summaries in PDF No Agenda Lite in opus format NoAgendaTorrents.com has an RSS feed or show torrents Last Modified 07/28/2022 16:52:11This page created with the FreedomController

Purple Talk: A Sacramento Kings Podcast
Kings mentioned as suitor for Donovan Mitchell, do they have assets for a trade?

Purple Talk: A Sacramento Kings Podcast

Play Episode Listen Later Jul 27, 2022 84:27 Very Popular


Brenden Nunes from the Kings Pulse Podcast and The Kings Beat's James Ham join forces for coverage of the erratic Sacramento Kings. Topics include the Kings' interest in Donovan Mitchell and what a potential offer would look like, a deep dive into how the team can improve on the defensive end, as well as another edition of the business of basketball. Thanks for joining us on this adventure! Big shoutout to Paul Jinkerson (@paulitition) for creating a new intro and outro for the podcast and to Brenden for creating our new overlay for the podcast. The Kings Beat merchandise shop: https://thekingsbeat.myshopify.com/ 15% off The Kings Beat merchandise shop: KBPOD Jump on board with a premium subscription to The Kings Beat: https://kings-beat.beehiiv.com/upgrade Or start out with a free subscription to The Kings Beat: https://kings-beat.beehiiv.com/subscribe

Healthy Software Developer
Most Programmers FAIL at Persuasion! Here's Why...

Healthy Software Developer

Play Episode Listen Later Jul 27, 2022 14:42


Ever wanted to do something new, or make a change on your software project - but other people on your team won't support you? Maybe you want to move from scrum to kanban, use a newer JavaScript framework like remix, or if you're a UX designer introduce something like customer journey maps.  It would be nice to always have support from other people, but if you've never had pushback for one of your ideas, it's a matter of WHEN - not IF. So at some point, unless you want to quit your job every time you need a change to keep delivering great software, you'll need to persuade other people on your software team, or in management - to support you.  In this episode I'd like to share with you what I learned over 15 years of software development consulting about persuading IT management and other technologists on your software team. Persuasion is a soft skill that is more valuable than many people realize!  You can also watch this episode on YouTube.  Chapter markers / timelinks:  0:00 Introduction 1:13 10 Steps to Persuade Others 1:21 #1 Be Honest About Your Skills 1:57 #2 Have an Authentic Relationship 3:40 #3 Know How To Measure Success 4:43 #4 Identify Benefits To Others 5:44 #5 Incremental Persuasion 7:00 #6 Create Visual Aids and Assets 8:38 #7 Future-Pace The Benefits 9:53 #8 Know How They're Measured 11:08 #9 Timebox The Response for Support 12:29 #10 Practice Persuasion 13:39 #11 Episode Groove Visit me at JaymeEdwards.com Find me on Facebook at JaymeEdwardsMedia Find me on Twitter as @jaymeedwards

Daybreak Insider Podcast
July 27, 2022 - US Discusses Unfreezing, Giving Assets to Taliban for Humanitarian Relief

Daybreak Insider Podcast

Play Episode Listen Later Jul 27, 2022 24:34


President Joe Biden to Speak with Chinese President Xi Jingping this Week Amid Rising Tensions. US Discusses Unfreezing, Giving Assets to Taliban for Humanitarian Relief. Russia to Discontinue Use of International Space Station After 2024.See omnystudio.com/listener for privacy information.

WealthTalk
From Zero To £20k A Month w/ Heather Smail

WealthTalk

Play Episode Listen Later Jul 27, 2022 67:58


Experienced property consultant, developer and portfolio landlord, Heather Smail, shares her story of how she went from a rough council estate to earning £20,000 a month as her own boss. Heather quit her job 5 years ago, leaving behind a good career with financial security, as she had a burning desire to be in control of her own life and make decisions for herself.For the last 2 years, Heather has been a property consultant for clients who are looking to start their own property investment journey and would like to echo her results; acquiring financial freedom with a recurring income of £20,000/month. “Life is so short. You only get one chance!” Tune in to hear the emotional journey that Heather went through in her early life and how that has built her powerful mindset, which helped her to financial freedom. Resources Mentioned In This Episode:>> Heather Smail [LinkedIn]>> Heather Smail [Instagram]>> Join the WealthBuilders Academy>> REGISTER HERE FOR FREE RESOURCES ACCESS If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Dynasty Vipers Viper Cast
Top 5 Fantasy Football Assets | Chicago Bears

Dynasty Vipers Viper Cast

Play Episode Listen Later Jul 27, 2022 7:39


The 2022 fantasy football season is closer every day, so it's time to look at which players carry the most fantasy value moving forward, especially in those dynasty leagues. It's better to move on too early than too late. Let's look at the Chicago Bears and which 5 players on their current roster offer the most value for fantasy managers for 2022 and for dynasty. Stay tuned for more NFL news, once a big signing or trade goes down we have you covered right here, on the Vipers Network. Head to fantasypoints.com and subscribe today. Use promo code VIPERS22 and save 10% off that subscription

FML FPL
Ep. 356 - Preseason Pod 3/4 - Budget Assets

FML FPL

Play Episode Listen Later Jul 26, 2022 100:15 Very Popular


Another gargantuan episode from us going through all of the cheap guys in FPL. GW1 nears… All our links: https://linktr.ee/fmlfpl 00:00 - Intro 01:56 - Many pods incoming. 02:36 - Patreon Prize League / Mug League is up and running: https://www.patreon.com/posts/69578014  04:02 - There is always Soup. 04:53 - Budget Goalkeepers (4.5m and under) 13:50 - Budget Defenders (4.5m and under)  42:30 - Budget Mids (6.5m and under) 01:30:02 - Budget Forwards (7.0m and under) 01:36:21 - Anus Slap(s) for the new Patreon subscribers and outro.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The tastytrade network
Market Measures - July 26, 2022 - Product Indifference Across Assets

The tastytrade network

Play Episode Listen Later Jul 26, 2022 9:25


Strangles are a core strategy at tastytrade and a great way to sell premium and stay neutral in an underlying. How has this strategy fared in different products since 2005? Join Tom and Tony as they compare strangles across different products.

The tastytrade network
Market Measures - July 26, 2022 - Product Indifference Across Assets

The tastytrade network

Play Episode Listen Later Jul 26, 2022 10:16


Strangles are a core strategy at tastytrade and a great way to sell premium and stay neutral in an underlying. How has this strategy fared in different products since 2005? Join Tom and Tony as they compare strangles across different products.

The Knowledge and Mileage Podcast
Luxury Car Hacks: How to Score Your Dream Car with Pejman Ghadimi

The Knowledge and Mileage Podcast

Play Episode Listen Later Jul 26, 2022 49:48


Assets are similarly as significant in individual finances as company's finances... As a matter of fact, understanding what resources are and the difference among liabilities and assets can make you rich. Today's guest has had over 60,000 students and his companies have earned over $420,000,000 in combined revenue. An entrepreneur, author, philosopher, and the wealth transfer methodology creator Pejman Ghadimi was a part of my Podcast to incorporate the value of finding your own success by utilizing the luxury car hacks and understanding the business aspects with cars. Throughout recent years, Pejman has fabricated a huge number of organizations going from a stand-out investment company to a progression of online training organizations which include Watch Trading Academy, Secret Entourage, and Exotic Car Hacks. Discussing about his recently launched ‘Third Circle Theory,' he said, this book is about reshaping man's ability to beat his conditions. Talking about the importance of exotic cars, Ghadimi focused on the knowledge and understanding of liabilities and assets to better deal in business.  Vehicles are infamous for promptly losing quite a bit of their worth as they roll off the dealer's parcel. By settling on a savvy buying choices and finding a model that meets your requirements, you can buy a car that holds a greater amount of its worth after some time. Section 179 of the code tax allows you to deduct some or all the vehicle's price tag in the year you purchase it, yet with limits and this is how you can write off the vehicle for your business.  It was an informative session with Pejman and I really enjoyed how he explained each and everything in a broader aspect to create wealth. ----- Follow me on Instagram and feel free to DM about 1-1 online training @krisgethin Do you need elite sports supplements you can trust to help you achieve your goals in the gym and in life?  Click here https://bit.ly/kgkaged Use the code Healthkik for 15% off all supplements For my preferred Biohacking and anti-aging supplements, go to https://bit.ly/kgbiostacklabs ------- The outcome from using, what is now known as the Visual Chemistry Athletic Skincare range is very clear - your skin will look cleaner, brighter, smoother, younger and will age far better.  Visual Chemistry Gstack Get 20% off and get your G-stack by using code Gethin20 ------- For a range of organic CBD tinctures, bath bombs and muscle recovery creams that I use for sleep, anxiety, joint/muscle pain and relaxation, go to https://bit.ly/kgeliteprocbd

Directed IRA Podcast
Ep 65/Webinar: 6 ways to protect your IRA or 401K in a recession

Directed IRA Podcast

Play Episode Listen Later Jul 26, 2022 66:39


In this webinar Mat Sorensen and Aaron Halderman go over the 6 ways to protect your IRA or 401K in a recession. * Should you sell your account's assets* When to hold cash* Analyzing whether to sell stocks and mutual funds* Does a Roth Conversion make sense in 2022* Assets that perform well during a recession* How alternative investments can help with portfolio diversification* What are your next steps Submit your questions, listen, search for prior episodes, and sign up for the Directed IRA Weekly Free Newsletter, visit https://directedira.com/podcast

No Agenda
1471 - "Publical Emergency"

No Agenda

Play Episode Listen Later Jul 24, 2022 185:19 Very Popular


No Agenda Episode 1471 - "Publical Emergency "Publical Emergency" Executive Producers: Ryan Story Baron of South Australia Sir-Tanly The Weather Camp Jonathan Daniel Anonymous Andre Haarselhorst van den Goorbergh Sam Onan Quenton Wells Associate Executive Producers: Jon Mutschink Lonesome Jim of the Lone Star State Philip Lyon Smith Dame Beth, Baroness of Baja Arizona Rhett Gardner humaneOBneeded@yahoo.com Become a member of the 1472 Club, support the show here Boost us with with Podcasting 2.0 Certified apps: Podfriend - Breez - Sphinx - Podstation - Curiocaster - Fountain Title Changes Ryan Story -> Baron of South Australia Knights & Dames Chris Johnson -> Sir-Tanly The Weather Camp Art By: Korrekt Da Rekard End of Show Mixes: Tom Starkweather - Rolando Gonzalez - Ozzy Nelson Engineering, Stream Management & Wizardry Mark van Dijk - Systems Master Ryan Bemrose - Program Director Back Office Aric Mackey Chapters: Dreb Scott Clip Custodian: Neal Jones NEW: and soon on Netflix: Animated No Agenda No Agenda Social Registration Sign Up for the newsletter No Agenda Peerage ShowNotes Archive of links and Assets (clips etc) 1471.noagendanotes.com New: Directory Archive of Shownotes (includes all audio and video assets used) archive.noagendanotes.com RSS Podcast Feed Full Summaries in PDF No Agenda Lite in opus format NoAgendaTorrents.com has an RSS feed or show torrents Last Modified 07/24/2022 16:40:57This page created with the FreedomController Last Modified 07/24/2022 16:40:57 by Freedom Controller

London Real
ROB WOLFF - How To Navigate The Crypto Bear Market And Profit During The Hard Times

London Real

Play Episode Listen Later Jul 24, 2022 77:27


Watch the Full Episode for FREE:  https://londonreal.tv/rob-wolff-how-to-navigate-the-crypto-bear-market-and-profit-during-the-hard-times/ 

No Agenda
1470 - "Clubbing Center"

No Agenda

Play Episode Listen Later Jul 21, 2022 202:40 Very Popular


No Agenda Episode 1470 - "Clubbing Center" "Clubbing Center" Executive Producers: Sir Timmy-changa, drinker of margaritas and lover of bogeda breakfast tacos Jimbabwe Baron of Schatziland Jonathan Keskitalo Ralf Dekker BrendaCHAD the Diamond Hearted Clip Custodian rich sciortino Associate Executive Producers: Caitlin Sir Net Ned Brittney Baxter, Dame Amazeballs The Diloreto Sisters Baronet Michael Robinson Sir Rainman John Carver Josh Scandlen Gwendolyn Wagner Become a member of the 1471 Club, support the show here Boost us with with Podcasting 2.0 Certified apps: Podfriend - Breez - Sphinx - Podstation - Curiocaster - Fountain Title Changes Sir Hey Chief Dix, Nice Pen!s -> Sir Dixbert, Sachem of Dudes named Ben Sir Furry Fury -> Baronet Michael Robinson Knights & Dames Mother Joyce -> Dame Jazzy of Humbolt Redwoods David van den Brand -> Sir David van den Brand, Black Knight Kyle Rainey -> Sir Rainman Tim Marks -> Sir Timmy-changa, drinker of margaritas and lover of bogeda ( jill biden pronunciation of bodega) breakfast tacos Josh Springer -> Knight of the Bottoms Up Beer Dispenser Art By: Nessworks End of Show Mixes: Deez Laughs - Steve Atwell - Doug Faxon Engineering, Stream Management & Wizardry Mark van Dijk - Systems Master Ryan Bemrose - Program Director Back Office Aric Mackey Chapters: Dreb Scott Clip Custodian: Neal Jones NEW: and soon on Netflix: Animated No Agenda No Agenda Social Registration Sign Up for the newsletter No Agenda Peerage ShowNotes Archive of links and Assets (clips etc) 1470.noagendanotes.com New: Directory Archive of Shownotes (includes all audio and video assets used) archive.noagendanotes.com RSS Podcast Feed Full Summaries in PDF No Agenda Lite in opus format NoAgendaTorrents.com has an RSS feed or show torrents Last Modified 07/21/2022 17:00:07This page created with the FreedomController Last Modified 07/21/2022 17:00:07 by Freedom Controller