Podcasts about Average

Your 60-second money minute. Today's topic: Meme Stocks Are Out For Average Investors

LA drivers are paying $6/gallon for gas on average. That's partly due to rising crude oil prices and California's gas taxes. Fox and News Corp scion Ruper Murdoch passes off the reins to his eldest son, who is even more conservative and sympathetic to Donald Trump. In Laguna Beach, a pet owner could be ticketed if their dog barks for 30 minutes straight or 60 minutes on-and-off within a 24-hour period. How to keep a dog quiet? Critics review the latest film releases: “Flora and Son,” “Invisible Beauty,” and “The Origin of Evil.” And they look back at “Stop Making Sense,” recently re-released in 4K IMAX.

Becky Pringle, NEA President talks with Megan Lynch about education in America, test scores and teacher retention.     Credit: © Sipa USA

We joked last week that Mike Babcock and Johnny Gaudreau wouldn't last...we didn't expect one of them wouldn't make it to the opening of their first training camp together. As the other camps open, the Leafs are trying Nylander at centre and the Oilers are just hoping Jack Campbell can get close to his past form. The PWHL has its first draft.     Listen Here:  iTunes  Google Play  Stitcher  Direct MP3   iHeart Radio Banter Title Player Mark Streit - connect to Paul Bissonnette Streit 08-09 Islanders Bill Guerin -> 08-09 Penguins Paul Bissonnette Feedback News   Babcock Firing -chronology of events - Bissonnette and Whitney discuss on Spittin' Chiclets - Babcock, Blue Jackets and Jenner release statement saying mischaracterization - Bissonnette doubles and triples down - Commodore says it's true - NHLPA investigates - NHLPA / NHL meet - Fridge reports that PA / Bluejackets meetings were intense. PA found some young players uncomfortable - meeting away from team facilities, Babcock had phone for several minutes - Babcock resigns Davidson - “This is what we had to do, and the resignation process had to start at that point.”  - why not fire him? Josh Bailey -Ottawa PTO PWHL Draft - Teams had a 10 day window to sign 3 free agents and then there was a 15 round draft after that. Boston, New York, Minnesota, Toronto, Montreal, Ottawa $35,000 minimum salary, $55,000 Average, $80,000 max. Must sign 6 players to 3 year, $80,000 deals Bruins - Marchand captain 100th season sweaters are interesting Guess the 5th Training Camps open!!  What are things we're watching? Leafs - Nylander moving to Centre Reaves talking big - going to change the locker room - how will that be received? Bertuzzi, Domi, Reaves - extra grit good for team? Klingberg - return to form? Oilers -  questions Lavoie makes it? Broberg - where will he play? (RHD with Nurse?) Gagner, Sutter or Erne make team from PTO? Campbell bounce back? Connor Bedard goals at Rookie camp - release is weird and lethal Penguins wear warm ups at rookie camp because Dubas makes players earn the jersey Athletic article on rule changes players would like to see https://theathletic.com/4879265/2023/09/20/nhl-rule-changes-player-poll/ Stamkos disappointed that no extension talks have happened.   Crazy Stat

To be a successful (profitable) sports bettor, average doesn't cut it. You have to be above average if your goal is to come out on top.But when reacting to certain games or to certain teams on their performance, average is right where you want to be.Paul explains, and provides a complimentary selection, right here on Episode 121 of the Paul Stone Sports Podcast.You can now purchase Paul's prorated full-season of picks, choose to just ride along for a month, or get your feet wet with the weekend package by signing up here.

Ryan Pownall ( IG: @itsryanpownall ) is the host of the ​⁠ podcast mainly interviewing adult performers. He was previously a party promoter in Canada and hosted the world's largest beer pong festival.  ———————————————————— Ready to build a network of amazing women and high-status men? Michael's Men of Action is a one-on-one Master's program that teaches men how to create elite social lives by becoming higher status. Click this link to learn how you can have a High-Status lifestyle now: https://m.moamentoring.com/podcast Click here to join the Men of Action community and watch the High-Status Networking 101 course: https://m.moamentoring.com/moa-community Interested in joining the Men of Action sales team? Apply here: https://www.moamentoring.com/jobs/sales Men of Action has an affiliate program! Post pre-made content and get paid passively: https://www.moamentoring.com/affiliate ———————————————————— Subscribe on Youtube:  https://www.youtube.com/user/MichaelSartain Listen on Apple Podcast:  https://podcasts.apple.com/us/podcast/the-michael-sartain-podcast/id1579791157 Listen on Spotify:  https://open.spotify.com/show/2faAYwvDD9Bvkpwv6umlPO?si=8Q3ak9HnSlKjuChsTXr6YQ&dl_branch=1 #Michael #MichaelSartain #Michael_Sartain #Michael_Sartain_Podcast 0:00 Intro 0:53 The delusional calculator 2:43 Dating in LA vs Vegas 3:37 Doing porn commentary 4:35 How Michael met his girlfriend 6:48 Having one-night-stands 7:55 ***Female friends as wingmen 14:14 World's biggest beer pong festival 17:13 The first try of cocaine or heroin 18:14 Losing girls to cocaine dealers 20:21 **Sex addiction 21:49 The devil's threesome 24:10 Women date only NBA power forwards 25:16 ***Starting a sex podcast 31:42 Sex workers are entrepreneurs 32:43 Growing the podcast 35:22 **Promote the podcasts you go to 39:14 ***Fulfilling a fan with cancer sex fantasy 42:46 ***Parting ways with business partners 52:19 Having the freedom to say anything 54:17 You can only get cancelled by people who hate you 55:34 **When the job became for real 58:04 ***The most hated women in the porn industry 1:03:40 Running out of guests for the podcast 1:08:19 Being dumped by an ex on a beach in Miami 1:10.35 ***Logan Paul & Dillon Danis 1:19:55 *Average man vs professional jiu-jitsu female 1:23:36 ***The correlation between body count and cheating 1:27:59 ***Selling IG blue checkmark verifications 1:33:02 *Instagram banning attractive women's accounts 1:37:55 Doing giveaways 1:39:50 Detecting fake followers 1:40:26 ***The Bagdad live sex interaction club 1:44:35 Friends having sex with a 71-year-old 1:46:35 Calling his dad during a threesome 1:49:26 Ric Flair 1:54:35 Adam22 & Lena the Plug 1:59:29 ***Taking back women who cheated 2:02:24 **Dating a pornstar 2:10:42 Social media

Holmberg's Morning Sickness - Brady Report - Tuesday September 19, 2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to another episode of The Cashflow Project Podcast! In this episode, host Steve Fierros is joined by his partner Duc Ong to discuss syndication deal exits. As the co-host of the show for many episodes, Duc is no stranger to the listeners. Together, they delve into the world of investment exit strategies, specifically focusing on real estate syndications. They provide an overview of what syndications are and how they work, emphasizing that it allows everyday investors to participate in high-quality commercial assets that would otherwise be out of reach. Steve and Duc also share the current state of their company, Tri City Equity Group, highlighting their successful track record, impressive returns, and the launch of their property management company, Black Sand Property Management. Throughout the episode, they emphasize the need for better alternatives to traditional investment options and the potential for significant returns in syndications. Join us as we dive into the world of syndication exits and uncover the strategies for maximizing profits. Let's get started! [00:01:28] Risk syndication: pooling capital to invest in larger assets. Tri City Equity Group: owns 7 assets valued at $55 million. Average annual return of 41%. Launching property management company. [00:03:56] Understanding returns and investment options; profitable exits. [00:07:15] Possible high returns, networking, not investment advice. [00:13:17] Leverage existing assets, put debt on it. Powerful strategies for wealth. Refinance, create value, boost NOI. Options for capital after refinance? [00:14:46] Consult with a CPA for tax advice. Reserve funds for tax liabilities. Use high yield savings accounts for profits. Maintain liquidity for future investment opportunities. Consider investing in multifamily syndication deals. Offset active income with passive losses. Be cautious of tax brackets. Explore cash value life insurance policies. Act as your own bank. [00:19:23] Summaries: 1. Explore previous episodes for more information. 2. Real estate investing offers infinite returns. 3. Real estate investing is a passive income source. 4. Real estate investing offers tax advantages. [00:22:43] Long-term play, real estate investment continues smartly. Connect with Duc Ong: LinkedIn Instagram Connect with Tri-City Equity! Website LinkedIn YouTube Facebook Instagram

Create Sales meetings in minutes. Lisa Thal is an Author, Speaker, and Business Coach. She has over 36 years of marketing, sales, and leadership experience. She wrote the book "Three Word Meetings."  Lisa coaches leaders on creating sales and business meetings with fun and interesting 3-word topics to create a conversation and inspire your sales team.   Episode 213: Are you average?     So what does average mean? Middle of the pack? The group's total is divided by how many are in the group.    Let's look at some average examples:   What is a good batting average in MLB? 250 is the average. 300 or higher is considered excellent, and . 400 is a nearly unachievable goal.   The average number of points scored in an NFL Football game is 20.5.     According to the USGA, the average recreational golfer shoots 100. The average male has a 14 index, and female golfers 28.     One thing I know for sure is that most of you listening would not want to be average! You want more than the average person. So, how do you position yourself to win more than others?   You increase your probability of winning!  You find a way to make more deposits daily in your success column. The good news is that you can do this incrementally with minor tweaks to your weeks.   The secret to winning is to do things every day, not occasionally. The best athletes and top business professionals separate themselves from others because they understand that winning is a game of inches. They do the extra things when no one is watching. They hold themselves highly accountable.   The pace at which you approach things matters. Successful people work at a different rhythm. Think about yourself and those you work with. Do you see a difference in the pace they walk, how they manage their time, or how they delegate to others? The successful people I know learn to say No to things that steal time from them and yes to more things that improve their business.   Do you know your numbers? We look at the average number of clients, the average sale of that customer, your average of new client contacts, the average number of proposals, and the average number of conversions.    What would that mean for your business and income if we could improve our averages by 10-15% each day? The best news is that we control the action items we must do daily, even when we don't want to. We keep improving our probabilities.   Suppose you make one more call each day over the average person. Assuming you take two weeks' vacation, you will create 250 more opportunities. You improve your probability of converting them into new clients even if you converted 10% - twenty-five new clients.   Face your fears: Do the fear things first. If you fear something, whether reaching out to an unsatisfied customer or connecting with new customers, Make that call first. Improve your activity by 10 percent each day.   Creating More Probability of Achieving Your Goals.   Having goals gives us a sense of direction and helps us accomplish what we set out to do. However, it can be frustrating when you've set a goal and still struggle to achieve it after several attempts. Fortunately, there are ways to increase your chances of success and achieve your goals faster.     Let's explore four ways to create more probability of achieving your goals, regardless of your industry.     Break Your Goals Down   Breaking your goals into smaller, more manageable tasks can help you stay motivated and on track. When your goals seem too far away, it can be demotivating, and it may seem like you'll never get there. However, you'll have a sense of progress and accomplishment by breaking them down into smaller milestones.   To break your goals down, consider creating a timeline, dividing tasks into smaller steps, and tracking your progress.   Develop a Plan   Once you've set your goals and broken them down into smaller tasks, you need to develop a plan of action. Your plan should include specific tasks, timelines, and resources to achieve your goals. A plan will enable you to stay focused, adjust as necessary, and track your progress.     Get an Accountability Partner   Having an accountability partner can help you stay on track and motivated. This person should be someone you trust and respect and willing to keep you accountable and track your progress.    Celebrate Your Wins   Finally, don't forget to celebrate your wins along the way. Celebrating your successes can help you stay motivated and positive, which is essential for achieving more significant long-term goals.     Remember, success is a journey, not a destination, and taking small steps every day can lead to significant achievements in the long run. So go ahead, set your goals, and start taking action today. With persistence and effort, you'll get there.     Could you do me a favor? If you think someone can benefit from this episode, share it and rate it.   Create engaging sales meetings in minutes!  My easy-to-use process can quickly create impactful meetings tailored to your team's needs.    Learn more at www.Threewordmeetings.com.  

In this episode of the Personal Finance Podcast, we're going to talk about the average debt by age and generation and what you can do to avoid that debt and get out of debt. How Andrew Can Help You:  Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel!  Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Factor 75: Head to factormeals.com/pfp50 and use code pfp50 to get 50% off your first box. These are amazingly easy and nutritious meals. Delete Me: Go to joindeleteme.com/PFP and use promo code PFP you'll be able to save 20% off your DeleteMe subscription! Protect yourself online! Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance  Links Mentioned in This Episode:  How to Create a Bulletproof Wealth Protection Plan How to Protect Your Wealth and Assets With a Will How to Build Wealth (Even on a Low Income!) With Joshua Mayo The Stairway to Wealth (Where to Put Your Money In Order!) The Stairway to Wealth 2.0 (The Order You Should Put Your Money in!) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In the Average restaurant training employees involves teaching them how to do their job so they can do the work in an efficient way. In good restaurants training involves teaching employees how to maximize resources like their TIME, the PRODUCT and how to MAXIMIZE SALES. Both of these training ideas are GREAT, but what if there was a way to train your people to improve their Lives… and make them Better People and Better Citizens - And Stay with you not just for a matter of weeks and months… but for years and even decades… Would that be of interest to you… Would you like to learn more about that…?? Great because that is what we are going to talk about today.

Today, Byron Ovenstone, Josh Honsberger and I talk about how people like to run their mouth and not do the work, Byron moving from South Africa to America and all of the obstacles that he has overcome to become the coach you didn't need, and overcoming average. Guest Links: Byron Ovenstone IG: https://www.instagram.com/byronovenstone/ Josh Honsberger IG: https://www.instagram.com/joshhonsberger/ Agoge: https://go.theagoge.com/enroll-now Mentorship: https://theagoge.com/pages/mentorship Tier 1 Coaching: https://www.nickkoumalatsos.com/tier-1-coaching --- Support this podcast: https://podcasters.spotify.com/pod/show/alwaysforwardpodcast/support

AirBnB has been the darling of the real estate community by bringing investors a new real estate class to build wealth with, and it benefited from a unique mix of market conditions that made it very attractive, but those conditions seem to have changed.That's why we're going to dive into the short-term rental market the only way we know how- Not Your Average Insights style!This is our favorite content style where Co-Founder of JWB, Gregg Cohen, and show host, Pablo Gonzalez, have an open conversation with our community about current topics in the investing world.This one will include the repercussions of:- How NYC has essentially outlawed all AirBnBs that aren't a shared room- What the 3 factors that helped AirBnB become so successful were and how they have changed- Why this is a particularly interesting precedent for how we should consider new investment categories (since they seem to be popping up everywhere)- and much more!Bring your questions, experiences, and opinions about short-term rentals with you and join us LIVE to be part of the show!------------------------------------------------------------------------------------Are you ready to seize the potential of real estate investing without the hassle? Look no further! Introducing our course, Not Your Average Investor's Guide: Investing in Rental Properties... Passively. Enroll now!

Today on The Portrait System Podcast, Vancouver-based boudoir and empowerment Michele Mateus is our guest. Listen in as Michele tells us all about her business journey and how she has achieved a $3k+ sales average. Don't miss out on this exceptional episode!To become a member of The Portrait System and learn more about the business of photography, click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The hope the Chicago Bears had going into this season is quickly diminishing after the Chicago Bears lost to the Tampa Bay Buccaneers 27 to 17 and fall to 0-2 on the season. Justin Fields had another rough game leaving a lot of questions on the field, but he was not helped by some poor coaching by both Luke Getsy and Matt Eberflus. Where do the Bears go from here? Bill and Dan discuss as they both realize that this season is on the verge of a collapse and Eberflus needs to figure things out in a HURRY. Check out a great conversation! Learn more about your ad choices. Visit podcastchoices.com/adchoices

The hope the Chicago Bears had going into this season is quickly diminishing after the Chicago Bears lost to the Tampa Bay Buccaneers 27 to 17 and fall to 0-2 on the season. Justin Fields had another rough game leaving a lot of questions on the field, but he was not helped by some poor coaching by both Luke Getsy and Matt Eberflus. Where do the Bears go from here? Bill and Dan discuss as they both realize that this season is on the verge of a collapse and Eberflus needs to figure things out in a HURRY. Check out a great conversation! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is the cat's water fountain louder than usual? It sounded louder than usual to us.

Average parent spends more time on their devices than they do with their kids Edward - My wife and I would like to be more generous with our time. What can we do? Ashley - Thank you to RR. I came back to the Church through you. Rose (email) – I used to stop listening to segments of the show that dealt with abortion because it was too painful of a topic for me to hear. I now face this pain and I offer that pain to the Lord. Therese - I've had 3 abortions. If programs like this were around when I was young, I would not have had those abortions. Angela - As a teen mom, I want to tell people that they will never regret giving their child life.

Happy Friday Nieces and Nephews!This week your favorite Aunties Bridget Kelly and Mandii B are joined by creative director and entrepreneur Sean Dickerson for some grown honest and musical conversations. Stick around until the end to hear a sneak peek of the oracle reading Patreon episode where Mandii might've converted into a "stars and moons" girlie

Math is a vital component of real estate investing success. Understanding how your business makes money is imperative in helping it make more. To know how profitable your rental properties are, you'll need to have a solid grasp on calculating rental property cash flow by using a rental property cash flow analysis. Let's explore how to calculate cash flow and perform a cash flow analysis for your rental property so you can see where you can make more money. What is a Rental Property Cash Flow Analysis? To learn how to generate a positive cash flow, you need to ensure you're doing an accurate rental property cash flow analysis. This means that you're looking at all the numbers involved with owning a rental property to ensure that the property can make you money. You must look at the numbers over several months to understand the whole picture. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Jeremy and Jack are doing a RAPID FIRE! The two cold outreach experts are speeding through your sent-in questions that cover a wide variety of vital outreach information!   HERE'S WHAT WE COVER IN THIS EPISODE:   -Personalized images? -Received a “no” from a small company. Should I try someone else there? -Replace cold calling with cold emailing without any sacrifices? -Large LinkedIn audience but not hitting my quotas -I get “wrong person” as a reply often -How long until the autowarmer stops working? -How to prepare for the end of autowarmers? -Main domain got flagged by spam. What to do? -Strategies to personalize cold emails at scale? -Average wait time for a reply? -Are cold emails strictly transactional? -Send in your questions for a rapid-fire episode!  Have your own unanswered outreach questions? Cover all your bases and learn how to become a cold outreach expert in just 8 weeks with our Cold Email Masterclass at https://course.quickmail.io/! Try it for 30 days risk-free!   Have an email you want us to teardown? Send us your emails, cold emailing questions, and campaign examples at podcast@quickmail.io and it could be featured on the air!   Happy Cold Emailing! Jeremy and Jack  

Tania is the Arthur W. Marks Professor of Psychology at Princeton University. She oversees the Concepts and Cognition Laboratory, which uses the empirical tools of cognitive psychology and the conceptual tools of analytic philosophy to study the human mind. Their research focuses on topics including explanation, learning, causal reasoning, and folk epistemology.  Tania is the recipient of numerous early-career awards including the Stanton Prize from the Society for Philosophy and Psychology, the Spence Award from the Association for Psychological Science, a CAREER award from the National Science Foundation and a James S. McDonnell Foundation Scholar Award in Understanding Human Cognition. She blogs about psychology, philosophy, and cognitive science at Psychology Today and for NPR's 13.7: Cosmos & Culture. In Sentientist Conversations we talk about the two most important questions: “what's real?” & “who matters?” Sentientism is "evidence, reason & compassion for all sentient beings." The video of our conversation is ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here on YouTube⁠⁠⁠. We discuss: 00:00 Welcome 01:49 Tania Intro - #interdisciplinary human #cognitivescience - Links to #epistemology & #ethics "I came to cognitive science from a background largely in philosophy of science & epistemology" - Questions at the boundary of empirical psychology & philosophy "how can we know things, what is knowledge, what does it mean to understand, how do we acquire understanding, how can we make the correct decisions" - "We can learn a lot from #philosophy " - What makes a compelling explanation & why we are so motivated to explain 03:57 What's Real? - "Because I am a psychologist I'm deeply sceptical of my own introspective sense" - Growing up in a #Jewish household and "I still identify as Jewish" - Jewish identity, community, ritual... "at the same time I feel like theistic beliefs just played pretty much no role in that at all" - Prayers: "They certainly talk about god, they certainly talk about occurrences that seem very, very implausible... but that just seemed to me to be not deeply connected to what was valuable or important about that religious identity growing up" - "That sounds somewhat foreign to many people I know from other religions where belief is really at the core of what it means to have a particular kind of a religious identity" - Not speaking Hebrew "you're able to get to a certain point where something might have meaning for you... before you actually know what it means" - "I definitely had experiences of actually reading the translations and being taken aback by them... this is what I've been saying?" - Hebrew School "I told my parents that it I thought it was a waste of time and I didn't want to keep going" - In high school "sought out Jewish education on my own... I discovered I was the only person there whose parents hadn't forced them to be there... it was a miserable class" - "I had a Jewish wedding... one of the conversations that we had with our Rabbi was that we didn't want god to be mentioned" - "Threading that needle... preserve some elements of a tradition that's meaningful... how to do it in a way that's consistent with other values that I hold." - "I think I'm a straightforward boring naturalist" - "I have no doubt that I routinely employ all sorts of background assumptions that I have not subjected to scrutiny & that I could not give good evidence based arguments for..." What Matters? Who Matters? A Better Future? ...and much more. Full show notes at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sentientism.info⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Sentientism is “Evidence, reason & compassion for all sentient beings.” More at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sentientism.info⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"I'm a Sentientist" wall⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ via ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠this simple form⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Everyone, Sentientist or not, is welcome in our groups. The biggest so far is ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here on FaceBook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Come join us there!

TIMESTAMPS:00:00:01 - Intro00:00:32 - Shooting from the Hip00:02:01 - Athens00:04:04 - Weekly Concession Stands Report00:09:51 - Joey Chestnut00:13:19 - Row 60 Patrons!00:15:03 - Clark's Fun Facts00:16:33 - UGA's Offense vs Ball St.00:29:24 - UGA's Defense vs Ball St.00:35:18 - UGA's Special Teams vs Ball St.00:41:16 - Georgia vs South Carolina Preview00:51:49 - Keys to the Game00:55:22 - Last Week's Games00:58:40 - LSU @ Mississippi State00:59:48 - Minnesota @ UNC01:00:28 - Washington @ Michigan State01:01:41: Tennessee @ Florida01:04:32 - GAME OF THE WEEK!01:10:00 - Homework for Listeners01:10:32 - BLOODBATH NEWS & CORRECTIONS: Since the recording of this episode, Texas defeated Alabama, Kirby Smart announced Ladd McConkey is still recovering from back injury, and Mel Tucker has been suspended. Also, Clemson sucks. SUPPORT OUR PODCAST: For just $5/month, you can support our podcast & unlock exclusive perks. Visit https://www.patreon.com/rowsixty & join today! CONNECT WITH US:Patreon: patreon.com/rowsixtyFacebook: facebook.com/rowsixtyInstagram: instagram.com/rowsixty/TikTok: tiktok.com/@rowsixtyYouTube: youtube.com/rowsixtyWebsite: rowsixty.comStore: rowsixty.com/store

The competition is getting interesting in the Equilume Power Average Leagues! Nicole and Sam look at the leagues to see who is at the top as we head into the season's final stage. Listen for free across all podcast platforms. This show is very kindly supported by Equilume

Nick Kostos, Audacy sports betting insider, joins Baskin & Phelps to discuss betting during Week 1 of the NFL season, the Browns upcoming match-up with the Steelers, bets made on the Browns-Bengals match-up, why he thinks the Browns are in good shape based on their defense, and fantasy football.

In today's masterclass, we talk about the idea that life is meant to be challenging.  Many have been led to believe otherwise, but the truth is, standards exist because they're not easy to uphold. We often know what we should do but struggle to put it into action. It's not enough to be aware of concepts; true understanding comes from applying them.  To break free from mediocrity, you must be willing to step out of your comfort zone and push yourself beyond what's comfortable. Baby steps won't cut it; you need to embrace discomfort to make significant, lasting changes in your life. It's time to change your default setting from slow and comfortable to fast and bold.  Don't let comfort hold you back; instead, aim for a roller-coaster-like thrill in your pursuit of growth and success. Show notes: [07:31]#1 Standards are what they are because they are not easy to stick to. [20:45]#2 Average people stick to the easy and comfortable. [28:32]#3 Making significant change requires force and strength [34:51]Recap Next Steps: Text Dre Baldwin: Text Dre at 1.305.384.6894 (or go to http://DreAllDay.com/Text) Work On Your Game University (Coaching & Courses): http://www.WorkOnYourGameUniversity.com  Work On Your Game LIVE: http://WorkOnYourGame.LIVE  FREE Training - 6 Figure Earners Who Want To Reach 7 Figures: http://www.WorkOnYourGame.net  Facebook Business Group: https://www.facebook.com/groups/6figuresandgrowing/  Get Dre's Emails:  Http://WorkOnMyGame.com  Free Audiobooks:  The Third Day: http://www.ThirdDayBook.com/audible The Mirror Of Motivation: http://www.MirrorOfMotivation.com/audible Get The Free Books: The Third Day: http://ThirdDayBook.com  The Mirror Of Motivation: http://MirrorOfMotivation.com The Overseas Basketball Blueprint: http://BallOverseas.com  Basketball: How To Play As Well As You Practice: http://HoopHandbook.com/Free  Donate:  CashApp: http://Cash.app/$DreBaldwin  PayPal: http://PayPal.me/DreAllDay  Be sure to Subscribe to have each new episode sent directly to you daily! If you're enjoying Work On Your Game, please Review the show and let us know!  Dre on social media: Instagram [http://instagram.com/DreBaldwin] Facebook [http://Facebook.com/WorkOnYourGame] Twitter [http://Twitter.com/DreAllDay] YouTube [http://youtube.com/dreupt]  All Episodes + FULL Work On Your Game Podcast archive at:  http://WorkOnYourGamePodcast.com  Sponsor: AG1 by Athletic Greens: https://athleticgreens.com/WorkOnYourGame  http://drinkAG1.com/WORKONYOURGAME  Sponsor: AquaTru - $100 Any Purifying Filter Http://www.WorkOnYourGame.com/AT Sponsor: STASH Investments - start with $5!! http://www.WorkOnYourGame.com/stash  Sponsor: GoPuff - $15 Off Your First 3 Orders http://www.WorkOnYourGame.com/gopuff

Key Performance Indicators (KPIs) can provide you with invaluable data to determine the health and direction of your RIA. However, with a seemingly endless number of KPIs to choose from, how can you know which ones to track in your organization? In this episode, I will uncover some of the mystique around KPIs, as well as explore which ones I believe every RIA should be tracking on their way to the eight-figure exit.     This week on The Financially Simple Podcast:    (0:37) What is a Key Performance Indicator? (2:49) Is it a metric? Not exactly... (4:07) KPIs that the financial advisory business owner should track... (7:10) Number of households per advisor (9:34) Average number of meetings per advisor (13:47) Your industry has KPIs that will drive you toward the 8-figure exit   Our Favorite Quotes:  "What gets measured gets improved." - Peter Drucker    "The KPI is like the roof of the house, and the metrics are like the walls that hold the roof up." - Justin Goodbread   About The Financially Simple Podcast    If you are looking for a podcast that speaks directly to the challenges and puzzles of running a business, you've come to the right place. The Financially Simple podcast was built for you. With over 400 episodes and counting, our host Justin Goodbread covers a broad range of topics, from starting a small business, to prepping it for sale, to growing your personal wealth. Justin's combination of analytical skills, tough love, and a healthy dose of experience delivers practical ideas that will benefit business builders at every stage of their business journey.     If you have questions, or comments for Justin, submit those at: https://financiallysimple.com/ask-justin/    Connect with Justin: Financially Simple newsletter  Facebook  LinkedIn  Twitter    Subscribe Here: Apple Podcast  Spotify  Google Podcast  iHeart Radio  Stitcher    Let us know your thoughts about the show - please leave a review on iTunes to help others discover the podcast.    Financially Simple is a division of WealthSource Partners, LLC (“WSP”), which offers investment advisory and financial planning services. All investing involves risk of loss, including the possible loss of principal. Past performance does not guarantee future results and nothing in this podcast should be construed as a guarantee of any specific outcome or profit. All market indices discussed are unmanaged, do not incur management fees, costs and expenses, and cannot be invested into directly. Business planning services offered by WealthSource Business Advisors, LLC (“WBA”).    This podcast is distributed for informational purposes only. The content of this podcast represents the views and opinions of Justin Goodbread and/or the podcast's guests and do not necessarily represent the views and/or opinions of WBA, WSP or their affiliates or representatives. Statements made in this podcast are subject to change without notice. Neither WBA, WSP or their representatives, the podcast's hosts or its guests have an obligation to provide revised statements in the event of changed circumstances. Statements made in the podcast are not to be construed as legal or accounting advice or as personalized advice of any nature. Listeners should conduct their own review of any statements made or strategies discussed and exercise judgment or consult with their own professional advisor to see how the information contained in this podcast may apply to their own circumstances. 

In many world nations, if you're born poor, you stay poor. I discuss how in America, you can be upwardly mobile. Back in 2010, real estate prices had fallen, but rents had not. This created years of cash flow. Today, as prices have outpaced rents, cash flow keeps shrinking. Our Investment Coaches have access to income properties with 4.75% and 5.75% mortgage interest rates. It's a way to "bring back cash flow". Get started at GREmarketplace.com/Coach Terrific housing intelligence analyst Rick Sharga joins us for the first of two consecutive episodes. Rick & I discuss the condition of the American consumer, inflation and interest rates, concerns about a potential economic downturn, the housing market, the impact of consumer confidence on spending, and the actions taken by the Federal Reserve to control inflation.  There's flagging consumer confidence and a yield curve inversion. Are these finally harbingers of an economic recession? Rick's informal survey of economists find that there's a 50-50 chance of a recession this cycle. Earlier this year, 80% of economists felt that a recession was imminent. If there is a recession this cycle, Rick thinks there's a probability that it will be mild. Average hourly wages are $28-29 / hour. Wage growth is 4-5%. Wages are finally running higher than home price appreciation. Timestamps: The Future of Real Estate Investing [00:01:33] Discusses how owning real estate can help individuals move into a different wealth class and the benefits of owning rental properties. Changes in the Real Estate Market [00:04:06] Explains how the real estate market has changed over the years, with property prices catching up to rents and the decrease in cash flow opportunities. Taking Advantage of Low Mortgage Rates [00:07:53] Highlights the opportunity for investors to take advantage of low mortgage rates offered by builders and the benefits of using their preferred lenders. (Yes, even here in 2023. We have 4.75% and 5.75% rates that builders buy down.) The housing market correction [00:11:31] Discussion on the correction in the housing market and its localized impact on different regions. Economic landscape of the United States [00:16:09] Overview of the US economy, including GDP growth and the strength of consumer spending. Wage growth and home price appreciation [00:20:16] Comparison of wage growth outpacing home price growth, impacting housing market affordability. Consumer Confidence and Spending [00:21:24] The correlation between consumer confidence and spending during the pandemic, the impact of subsequent waves of COVID, and the role of pent-up consumer demand and government stimulus. Red Flags in Consumer Spending [00:22:25] The disconnect between consumer spending and low confidence scores, the record level of consumer credit card use, and the decrease in personal savings rates. Inflation and the Federal Reserve [00:25:44] The high inflation rate in 40 years, the actions taken by the Federal Reserve to control inflation, the impact on housing costs, and the potential for a recession. Yield Curve Inversion and Recession Predictions [00:31:07] Discussion on the yield curve inversion and its historical correlation with recessions. Impact of Recession on the Housing Market [00:32:04] Exploration of the potential impact of a recession on the housing market. Part Two: State of the Housing Market and Future of Investment Real Estate [00:33:03] Teaser for the next episode, which will analyze the state of the housing market and the future of investment real estate. Resources mentioned: Show Notes: www.GetRichEducation.com/466 Rick Sharga on X (Twitter): @RickSharga Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Keith Weinhold (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Today, it's part one of two of my exclusive interview with one of the nation's foremost housing intelligence analysts. How's the condition of today's American consumer? What's the future of inflation, the Fed interest rates? And should you really be concerned about a downturn today on get rich education?   Corey Coates (00:00:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   Keith Weinhold (00:00:51) - Welcome from Orange County, Florida, to Orange County, California, and across 188 nations worldwide. You're listening to one America's longest running and most listened to shows on real estate. With nearly nine years of weekly episodes. You're listening to Get Rich Education. I'm your host, Keith Wine expert, housing and mortgage analyst Rick Sugar is back and he is figuratively waiting in the wings. Here to give us an update on the economy shortly. In many nations of the world, if you are born poor, you stay poor. It's really hard to change wealth classes because you can't own anything in so many world places.   Keith Weinhold (00:01:33) - If you're born middle class, you also stay middle class. There's no way out of that. Owning real estate is the number one way to move yourself into a different wealth class. Owning your own business is another way, but with owning real estate, it's quite easy to follow a template and do what someone else has already done. Within a proven system. You don't have to have a new out-of-the-box business idea. For example, in the US, if you start collecting assets that pay you each month, you can quickly become upwardly mobile. In America, even if you were born into poverty and have a long line of impoverishment in your family, you can own your own home and that can help you go from poor to middle class. You can add rental properties and go from poor or middle class to wealthy because if you're in the US you are allowed to own things. Yeah, keep accumulating properties and keep getting rent money from tenants. In so many nations of the world. If you come from modest means, you just cannot get dozens of people or hundreds of people to pay you one third of their income every month.   Keith Weinhold (00:02:52) - But here you can get all these tenants to pay you one third of their salary in rent so you can close that class divide. It's up to you. That's what makes the US great. You can move into a different wealth class, the GSEs, the government sponsored enterprises. They will even give you backing on a bank loan so that you can do this. They're really encouraging this and enticing you to do this with as little as a 3% down payment on your primary residence or 20% down on rental properties. It's like they're almost forcing you to succeed. And there's even a 1% down program for primary residences now available in some places. So the bank gives you the loan, the tenant pays you the rent, and the government gives you the tax break. Like I say, that right there is using other people's money three ways at the same time, the bank, the tenant and the government, it all sort of falls in your lap if you want it to, but you do have to ask for it and you do have to do some arranging and you need to be diligent and attentive to.   Keith Weinhold (00:04:06) - But most Americans, they just aren't wise to this. Now, the real estate market, it has changed from a few years ago. It was spring of 2020 where we had that big inflection point, as you know, because I often discuss it. That was that supply crash. And since that time, home prices have run up faster than rents. But I'd like to give you some broader perspective here. There's something important with real estate investing that you may not have realized coming out of the global financial crisis 2008, 2009, 2010. At 2010, when we really started to lift up out of the rubble because by 2010, property prices were still down low. They were near the rock bottom. They're even lower than replacement costs in a lot of markets, which was artificially low. But see, rents didn't really fall much in the GFC. Rents stayed the same. So you know what happened in 2010 and all the years following it will cash flow began. And that's because all over America you then had these high rents and low purchase prices that had been beaten down by the GFC.   Keith Weinhold (00:05:18) - Cash flow like that wasn't really normal, but by now property prices have caught up to rents and even surpassed them. So besides investors being used to low mortgage rates, these ultra low rates, they also got used to this ultra high ratio of rent income to purchase price. That's just not there like it used to be. So today, in more places, you can't expect much of anything for cash flow now with a few years of. Income property ownership. Say if you bought something late this year, a few years later, now you shouldn't count on it. But rents, as we know, historically rise to then start providing you with cash flow to complement the other four ways that you're simultaneously paid. So my point is that today the deals aren't as good as they were ten years ago and five years ago, and that is all part of the provenance and perspective that I'm sharing with you from the real estate investing landscape starting from back around 15 years ago. But today I posit that it is still difficult to find a better place to invest a dollar than with a loan on carefully bought income property.   Keith Weinhold (00:06:31) - And I have some really good news for you here. All right. We know higher mortgage rates. They're not just a pain point for first time homebuyers and second time homebuyers for that matter, but they're a pain point for you, the investor. Well, if you didn't already know, we have largely sort of that problem here at Gray. And that is why investors like you are still snapping up rental properties fast. From Marketplace today, owner occupied mortgage rates are about 7% in income. Property rates are about 8%. But because of the strength of our marketplace networks and relationships here we have one new build provider offering a mortgage rate of 5.75%. Yes, they will see that your mortgage rate is bought down to 5.75% for your purchase. Yes, right here in today's environment, another new build investment property provider is offering a buy down to 4.75%. Yes, you heard that right. And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. So is cash flow back? Yes, a lot of times it is.   Keith Weinhold (00:07:53) - The builders know that it's a pain point for buyers and our coaches and I hear a Gary know it too, So we have rubbed salve on the wound here, I suppose. 5.75% interest rates, 4.75 or even 2.99. At times you'll have to use the builders preferred lender to get those terms. Otherwise I like to use Ridge lending Group because they specialize in income property loans. There is even more to it. These builders are in business to move property, so take advantage of it. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year, in addition to buying down the rate and don't know how long all this is going to last. So this could be a really good time for you to contact your investment coach. Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace slash coach and they're there to help you out.   Keith Weinhold (00:09:11) - Hey, it's really great to have the savvy and the experience of Rick Shaka back on the show today. His mind is always in the market. He's often doing these public speaking appearances informing audiences about it. He's been the executive vice president of markets at some of America's leading housing intelligence firms. We have so much to discuss that Today's episode is part one of two back to back episodes with Rick. This week, we'll discuss the direction of the economy. Next week, we'll go deep on the housing market. But even our discussion on the economy today is probably going to be viewed through the lens of having real estate investors in mind. So this intelligence is fresh and it is timely here in fall of 2023. But even if you're listening to this, a decade from now, in 2033, you are going to get lessons for all time. It's the economy this week and the real estate market next week. It could be a day or two until we have today's episode on Get Rich Education YouTube. But you can watch us there as well if you want the visuals and charts that complement our discussion.   Keith Weinhold (00:10:19) - Many of the sources that he cites today will be from Trading economics in the US Bureau of Economic Analysis. What's the present and future of the economy, especially as it pertains to real estate investor interest with Rick and I straight ahead. I'm Keith Reinhold in this is get rich education. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They've provided our tribe with more lows than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's So start your prequalification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25.   Keith Weinhold (00:11:31) - K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660, and this isn't a solicitation If you want to invest where I do, just go ahead and text family to 66866. This is real estate investment cogeneration. Listen to get Rich education with Keith Reinhold and don't quit your day dream. And you're going to get a fantastic market update today. And you're also going to learn lessons even if you're consuming this 5 or 10 years from now. Our expert guest was first with us here six months ago. He's been the executive VP of markets at some of America's leading housing intelligence firms. He was twice named to the Inman News Inman 100 most influential real estate leaders.   Keith Weinhold (00:12:54) - He is one of the country's most frequently quoted sources on real estate, mortgage and foreclosure markets. You've seen him seemingly everywhere CNBC, CBS News, NBC News, CNN, ABC News, Fox, Bloomberg in NPR got about just every letter of the alphabet in there on that one. Today, he's the founder and CEO of J. Patrick Company. They're a market intelligence firm for the real estate and mortgage markets. He has 20 plus years of experience in those industries. Hey, welcome back to Rick Saga. Thank you for having me, Keith. Happy to be here. It's an interesting time. Rick. I think some people are rather confused because you have such unusually low housing supply still. You have higher mortgage rates and we're careful not to call them high mortgage rates because we know historically they're pretty normal. And you have what I would characterize is a rather distinct regional variation in home price appreciation. So we're going to get some clarity today from that confusion. Now, if you're listening on audio only, Rick will describe the charts in a way that gives you a good experience.   Keith Weinhold (00:14:03) - If you're watching this on YouTube, go ahead and give us a like. So we really anticipate, Rick, your take on both the broader economy first and then the real estate market. That's exactly what we're going to go over today. And before we get started, I think you said something I'd like to emphasize a little bit. And this is something we talked about. I believe the last time we chatted is I've been saying all along that we were not going to see a housing market crash. We were going to see a correction of sorts and that the correction was going to be very, very localized. That the results you see in coastal California, in the Pacific Northwest, in markets that were overpriced, like Boise and Salt Lake City and Phoenix and Austin, we're going to be very different than what you saw on the East Coast, particularly the southeastern states, places like Tennessee and Florida and the Carolinas and virtually everywhere else in Texas other than Austin. So it's really worked out that way. There are some markets where we're seeing double digit price declines and other markets where prices continue to go up.   Keith Weinhold (00:15:05) - And we'll get into the national trends in a minute. But thought that was a really important point. Keith Yeah, Thank you for adding that, at least for a while there. Rick. It was one of the most unusual home price appreciation maps I have ever seen. There were some exceptions, but generally the nation east of the Mississippi River, you had rising home prices and recently west of the Mississippi River, you had falling home prices like a river divided it. It was really weird. To your point, it's normalized a little bit. I live in California. Speaking of weird and the pricing out here, the month over month prices and year over year prices went down for the first time in quite a while for about four consecutive months before normalizing in July. Now, even within California, you see different price trends depending on where you are in the state. But the point is really important for investors to remember that you almost threw the national numbers out, that they're important from a trend perspective, but you really need to become an expert in whatever market you happen to be investing in because the local conditions really determine how successful you're going to be.   Keith Weinhold (00:16:09) - Like the national outdoor temperature average is pretty useless, almost somewhat like the national home price average is. I guess the national home price average Still has some meaning to it though. Yeah, and you don't find quite as much variation in home price trends as you do in temperatures, but your points well taken. And again, it's important to be looking for economic trends. It's important to be looking for housing market trends and the markets that you're interested in investing in because that makes all the difference. So we're just going to talk about the general economic landscape of the United States, and then we're going to pivot into real estate and just what's going on with the housing market and getting the latest there. Yeah, why don't we jump right into it at this point, Keith, We're going to do a fall update on the housing market for this year. We're going to take a look at the economy. We'll take a look at what's going on in housing. I have a few slides to share on what's going on to delinquencies and defaults because I know a lot of investors are interested in foreclosure properties.   Keith Weinhold (00:17:11) - And then we'll have some closing thoughts and then you can chat a little bit more about some of the observations we're making in the market today. Let's start talking about that economy, including that part where some people anymore, year after year, they're always predicting this recession that never quite seems to happen. Well, we have predictions of a recession that are very much like predictions of a housing crash. And if you keep predicting that terrible thing long enough, someday you'll probably be right. It'll be right eventually. Just like a broken clock is right. Broken clock. It's right twice a day. So the GDP, the gross domestic product is the way that that most economists measure the strength of the economy. And the second quarter, this number was just adjusted downward a little bit, but we still had over 2% growth for the second quarter of 2023. That was a higher number than most economists had forecast. It was certainly a higher number than what the Federal Reserve was expecting. But it really shows you the strength of the US consumer.   Keith Weinhold (00:18:09) - A lot of people probably don't realize that almost two thirds of the GDP is comprised of consumer spending. There's other factors that go into it business spending, government spending, productivity, trade and the like. But two thirds of it is consumer spending. So when you see the GDP showing strong numbers, it typically means that the consumer is doing pretty well. And that's an important consideration as we move forward. Yeah, that's right. One of those reasons consumers are spending is because we're in this economy where pretty much if you want to have a job, then you've got a job. Yeah. The headlines read about tech companies doing layoffs and mortgage companies doing layoffs. Bottom line is the most recent unemployment numbers we saw were 3.8%. I think we're getting a little spoiled by some of these low unemployment rates because people forget historically, anytime you were under 5% unemployment, it was considered full employment. And the fact of the matter is there's still more jobs open than there are people looking for work. There's about 9.5 million open jobs in about 6 million people who are looking for work.   Keith Weinhold (00:19:11) - So employers have to compete with each other for those employees. And so these low unemployment levels are actually one of the things that's causing wages to go up, which continues to stoke inflation when there are more open jobs than there even are workers that makes employers want to entice employees with higher pay. Yeah, they need to do that to keep employees on the payrolls and they need to do that to hire new employees. So whether you look at hourly wages, which at the moment are up around 28, $29 an hour, or you're looking at annual wage growth, which is running around 4 to 5% a year. Wages are very strong right now. And this is the first time, Keith, in many years that I've been able to tell people that wage growth actually is running higher than home price appreciation for well over a decade. We saw home prices appreciate much more rapidly than we saw wages. And this is the first time in a while where that situation has been reversed. That's a really interesting takeaway, Rick.   Keith Weinhold (00:20:16) - Wage growth that's outstripping home price growth and that's going to be important going forward because one of the big headwinds that the housing market faces today is affordability. Despite what we just talked about, home prices nationally are running at all time high levels. We're going to talk about the cost of financing be much higher than it was just a year ago. And wage growth is the one positive in that category. As wages continue to grow and if home prices settled out a little bit, affordability ultimately will be a little bit better for potential homebuyers. Average wages at 28 to $29 an hour, Americans are basically making a dollar every two minutes now yet could be worse. And that varies, again, market to market, shock to job, but it shows you what's going on on average, partly because of this, consumer spending continues to be very strong. But one of the the real unusual situations we're looking at today is that there's usually a direct correlation between consumer confidence and consumer spending. And the more confident consumers feel about things, the more willing they are to spend money, particularly on big ticket items like cars and houses.   Keith Weinhold (00:21:24) - And that was all true. And the correlation held true until we hit the pandemic. And as we started to come out of the first wave of Covid, you saw consumer confidence start to go up, but then it came back down as we had subsequent waves of Covid. Then we had the war in Ukraine that we had high inflation and all sorts of other odds and ends. And consumer confidence has really never recovered back to pre-pandemic levels while consumer spending has continued to go up. And part of that is pent up consumer demand. We still hear people talking about supply chain delays, trying to order appliances and the like and having to wait for months. Part of it is all the stimulus money that the government poured into the economy during the pandemic and probably overstimulated the economy to a certain extent. One of my economist friends refers to what the government did in terms of stimulus, is trying to stuff $15 trillion into a $3 trillion hole. And the numbers may be a little lost. But think the visuals is image is kind of good.   Keith Weinhold (00:22:25) - But this disconnect we're seeing between. How much money consumers are spending and their relative low confidence scores is a red flag of sorts in a couple of ways. It's a red flag, among other ways, in that if consumer confidence doesn't recover, consumers ultimately could pull back on spending, and that really could ultimately lead us into a recession. Consumer spending outpacing consumer confidence. There are other two other red flags with this consumer spending, and we'll cover them pretty quickly. What is that? Consumer credit card use is at an all time high in the last quarter. For the first time ever, consumer credit card use topped $1 trillion. And the concern here is that consumers in a high cost of living environment may be tapping into credit cards to make ends meet. That's not a good scenario and ultimately is not a scenario that would end well. So part of what we're seeing kind of backstopping or enabling consumer spending is an increased amount of credit card use. The other red flag, Keith, is that consumer personal savings rates have gone down below historic averages.   Keith Weinhold (00:23:33) - So we hit an all time high in savings rates during the pandemic when the government sent out stimulus checks and unemployment benefits were enhanced. And candidly, there wasn't a lot consumers could buy. So they socked away a lot of this money post-pandemic. We saw savings rates drop down to almost historically low levels and they haven't come back much up from that. So the two red flags that we really are looking at right now, that could be indicators of trouble ahead for the economy are record level credit card use and lower than average savings rates. And again, both of those suggest that families who are sort of on the margins financially might be tapping into credit cards, might be tapping into their savings to make ends meet. In fact, I read some recent research that suggests that on average, most households have higher credit card debt than they have savings. It's not a great scenario, and this is consistent with many sources citing the fact that between 60 and 70% of Americans live paycheck to paycheck. Yeah, and it almost doesn't matter how high that paycheck is, which is a little bit counterintuitive.   Keith Weinhold (00:24:43) - I remember doing an interview on CNN years ago when Evander Holyfield mansion was being foreclosed on. It was a $30 million mansion outside of Georgia with two bowling alleys, swimming pool, indoor boxing rinks, basketball courts, the whole nine yards. I had to explain to the reporter that just because you're wealthy doesn't mean you're not living paycheck to paycheck. It's just sometimes there's more zeros to the left of the decimal point. Their cost of living tends to be much higher. So expenses are keeping up with income. All right, Expenses keep up with income. What's been going on in terms of consumer spending, in terms of wage growth, in terms of the GDP being strong has all contributed to inflation. And we had the highest inflation rate in 40 years. Not too long ago, we were up over 9% inflation year over year. And the Federal Reserve has taken very aggressive actions to try and get inflation under control. The primary tool they use is raising the Fed funds rate, which is basically what sets the rates on all short term interest.   Keith Weinhold (00:25:44) - And they've raised it more rapidly and higher than it pretty much any time in history. If you go back to the 80s, they actually raised the Fed funds rate higher because inflation was completely out of control then, but not as quickly as they did this time. So typically what you see is something more like what the Fed did say back in the 2015, 2016 period, where inflation ticked up a little bit. So they raise the Fed funds rate a little and they waited a while to see what kind of impact it would have. Then they raise it a little bit more and it's kind of a step by step process until they feel that inflation is peaked and they can then drop off the Fed funds rate. This time they raised it at higher increments they'd ever done before and much more rapidly. The good news is it does seem to be having its effect. The most recent inflation numbers are around 3% year over year, which is close to the Fed's target rate of 2% year over year. And a lot of the inflation rate that is reported on is housing costs.   Keith Weinhold (00:26:42) - And most of the housing costs are actually rental rates or what the Fed refers to is the rental equivalency. If you have a mortgage. And what we have seen is rental rates have gone back down from ridiculously high, asking prices. A year or so ago, it wasn't unusual to see an asking rent 15% higher than the prior rent rate. And that's in a market where the usual increase is 1 to 4%. So it was just completely off the charts. Those numbers have all come back to normal. And in some markets, we're actually seeing slight declines in year over year rental asking prices. The reason the Ric is bringing rents into the inflation discussion here is because rent and something called owners equivalent rent are a substantial contributor to the. They comprise more than a third of the CPI basket. Exactly right, Keith. And thank you for reminding me why I started this dissertation. The fact is that that decrease in rental costs has not hit the Fed's inflation numbers yet. There's about a full year lag in the housing numbers that the Fed uses in its CPI analysis and what's going on in the real market.   Keith Weinhold (00:27:52) - So if the Federal Reserve does nothing else, these housing costs get caught up. We will see inflation come down a little bit more. A lot of us are hoping that the Fed is done with its increases because of what's happened historically. Historically speaking, if you go all the way back to World War Two, the Federal Reserve not counting this cycle, has raised the Fed funds rate 11 times to get inflation under control. Eight of those times it's waited a little bit too long or it's waited for inflation until inflation got too high and it was a little bit too sticky and they had to overcorrect. And that ultimately steered us into a recession. There were three times once in the 60s, once in the 80s and once in the 90s where the Fed acted proactively to try and get inflation under control. And in those three cases, they were able to steer us into a soft landing and avoid a recession. In this case, they've already admitted they waited too long. They admitted that inflation got much higher than they expected.   Keith Weinhold (00:28:48) - It certainly wasn't as transitory as they'd hoped. So the likelihood is that they've already overcorrected and we will see something of a recession. They may get lucky this time. They may have actually walked the tightrope correctly. And assuming they don't continue with this aggressive course of action, they may have actually managed to work us into a soft landing this time. Yeah, and that is a terrific history lesson that you gave us, Rick. I often like to tell my audience about when you want to predict the future direction of something. I'd like to take history over hunches. It's easy to have a hunch that something's going to go a certain direction. But you look at history. You talked about basically how the Fed was late to identify inflation because they had called it transitory for a while, so they started hiking too late. Now, maybe they've overhyped or maybe they haven't. But if they have, maybe they will need to lower them too quickly. If they don't have that desired soft landing. The economists that follow right now are split about 5050 on whether we'll actually see a recession coming out of this cycle.   Keith Weinhold (00:29:51) - It was more like 8020, looking for a recession just a few months ago. Right. The economy is slowing a little bit. The last jobs report had about 187,000 jobs created, which was a good number, but it was lower than what we've seen in recent reports. So the economy slowing down, but not going to full stop or going into negative terms is an indication that maybe we do escape a recession. Good news, by the way, is even if we do have a recession, the rest of the economic measures that you look at are also strong, that it's very likely it would be a very short and very mild recession, and unemployment probably wouldn't get over about four and a half or 5%. So that's something to keep in mind as you go forward. You talked about history, Keith. I big on that too, history as a predictor of what might happen. Yeah. The other thing that points to a recession is something called a yield curve inversion. And without getting too inside baseball on people, people track the yield on a ten year US Treasury and they track the yield on a two year US Treasury and typically your yield on a short investment like a two year Treasury is lower than your yield on a ten year or longer investment because there's more risk involved in the longer time period and so forth and so on.   Keith Weinhold (00:31:07) - Every now and then, the bond market senses a disruption in the force. Darth Vader is looming over the market and you see these things switch places and suddenly the yield on a ten year US Treasury is lower than the yield on a two year US Treasury, and that's called a yield curve inversion. Now yield curve inversion doesn't cause a recession, but the last seven times we've had one, it's correctly predicted that a recession was coming and this current period we're in is one of the longer and deeper inversions that we've ever seen. So again, if you look at history as a predictor of the future, this yield curve inversion points toward us having a recession at some point before we get through the cycle. And I know yield curves can confuse a lot of people. If you're the listener or the viewer here, make a very long term loan to a friend, well, you'd want to get compensated with a higher interest rate for that higher risk amount than if you made a short term loan to a friend and he was paying you back.   Keith Weinhold (00:32:04) - Tomorrow, you might not charge him much of any interest at all because there's more certainty that you're going to get paid back. But that condition has been inverted, where when you make the long loan to the buddy, you're compensated with a lower interest rate yield. That is what is known as a yield curve inversion. Yeah. And I think yield curve throws people off. If you just think of it in terms of the yields, that probably makes it simpler. But again, if you're looking at recession predictors, these are the two. That I typically look at. And that's kind of important to know if you're going to be investing in the housing market because recessions can have an impact on the housing market. Rick thinks there's a likelihood that the Fed has already overcorrected with too many interest rate increases. If we do have a recession, Rick believes that it's most likely to be mild without many layoffs. Rick and I, we actually seem to agree on a lot of things. We see a lot of things the same way.   Keith Weinhold (00:33:03) - Maybe it would be more interesting for you if we disagreed a bit more to stay up on the latest moves in the real estate market. You can follow Rick Saga on X, formerly known as Twitter. His handle there is simply Rick Saga. Well, Rick made a Darth Vader reference there. And, you know, much like the original Star Wars movie had the sequel, which was called The Empire Strikes Back. You know, that was one sequel that some people liked more than the original. And that is atypical because usually people like the original more. But The Empire Strikes Back was a fantastic sequel, and I think that could happen here next week. Rick and I are back together for part two of two, the sequel. We are probably going to analyze and break down the state of the housing market and the future of investment real estate. And we should go on for twice as long on that as we did for today on the economy. So therefore, next week is kind of like the Empire Strikes Back, although I don't expect that next week Darth Vader is going to cut off Luke Skywalker's hand like what happened in the movie.   Keith Weinhold (00:34:10) - That just wouldn't be proper. And we're clearly not into improprieties around here.   Darth Vader (00:34:18) - You are unwise to lower your defenses.   Keith Weinhold (00:34:23) - Oh, Luke lost his hand this week. Not next week. Well, that's not even the scene where Luke loses his hand, But, hey, that totally worked. So. Getting back to real estate here, you need properties to be an investor. The builders know that higher mortgage rates are a pain point for buyers. Our coaches and I hear a know it too. So we have. Yes. Rubbed salve on the wound 5.75% interest rates, 4.75% or even 2.99%. And at times you're going to have to use the builder's preferred lender in order to get those terms. But really some remarkable Bibles that we've negotiated for you. So take advantage of it since I don't know how long that is going to be around. In fact, I'll even bring up those rate by down terms to Rick Saga next week and get his take to help you out on the cash flow side. We also have access to properties that would make good mid term corporate rentals in the southeastern US midterm rentals.   Keith Weinhold (00:35:27) - They often have higher cash flow than a traditional long term unfurnished rental. For any and all of that, contact your investment coach, you're probably working with one by now. They'll help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out until next week I'm your host Keith Winfield. Don't quit your Adrian.   Speaker 4 (00:36:08) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold (00:36:36) - The preceding program was brought to you by your home for wealth building. Get rich education.

The elder becomes the student this week as Cam gives Alex some early tips on fatherhood. We also learn exactly what it feels like to have @JeffPassan pop up in your DM's. Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out Bill Zimmerman's debut as our Bears postgame host on "Not Your Average Bears Post Game Show!" breaking down the Bears vs. Packers with his guest A. Lester Wiltfong Jr. Learn more about your ad choices. Visit podcastchoices.com/adchoices

You gotta love Nick Saban. He says it like it is and asks you what you are gonna do about it! This straight talk can make us uncomfortable but it can also call us to needed change. Today, we look at a quote from him, one he'd actually recently heard from and NFL coach and is using with his guys. I hope you will find it useful as well.Note - I mentioned the passing of my friend, Tony Mauck. If you can take a moment to pray for his wife and kids, and the Decker Prairie church where he worked, I know it would mean a lot to them and for them. I would love for you to make a list of the most important things you do in your life. We could talk about why they are important. We could talk about what God has done to make them possible. It would be great. Then, beside those things I'd love for you to rate how you are doing 1-5, where 1 is bad, 2 is average, 3 is good, 4 is excellent and 5 is elite. Did you notice that average isn't in the middle? Average is below average. Good is the baseline, the starting point, the place where God sets you free to do your work. With family, faith, finances, and even work and fitness, what are you doing with those investments God has made in you? Today we look at how important assessment is. We also look at how sub categorizing into more specific questions can give you needed direction. Thanks for listening!

Check out Bill Zimmerman's debut as our Bears postgame host on "Not Your Average Bears Post Game Show!" breaking down the Bears vs. Packers with his guest A. Lester Wiltfong Jr. Learn more about your ad choices. Visit podcastchoices.com/adchoices

More than a year away from the next presidential election, it appears that we may have the same candidates that we had in 2020, in spite of multiple criminal charges against Donald Trump that range from insurrection to theft of nuclear secrets and classified documents. Why are his supporters so loyal when he doesn't seem to feel any obligation to be honest with them? Could we be looking at a cult of voters who are willing to undermine democracy and individual freedom to assuage the ego of their "dear leader?"

In this episode we bring you our usual chit chat.Then the Q&A1: Should I train while on holidays?2: What is the most effective way to stay on track while dealing with depression?3: Why do you only work with females?4: I am doing a program where I do 2 workouts per day for 75 days - how can I balance this while not overtraining?5: How long is an average reverse diet?If you haven't heard the news our final 12 week intake for the year is open now for registration prior to 25th September.This is our BIGGEST ever intake and we're giving you MORE than ever. You can expect a grand prize giveaway that includes: $200 Lust Minerals Voucher, $200 LSKD Voucher, $200 Happy Way Voucher and a Mini Mindset Course giveaway. You can also expect double the guest experts coming in to help you on your total transformative journey, Mind Body and Soul. Our Guests Include:Monique Harding https://www.instagram.com/moniqueharding_/Elin Granstrandhttps://www.instagram.com/elingranstrand/Angelique Clarke https://www.instagram.com/angeliqueclark_nutrition/Sophie from Enlighten Physio https://www.instagram.com/enlighten.collective/Lucy Lord https://www.instagram.com/lordlucy/Nicola Laye https://www.instagram.com/nicola_laye/To join us in this final intake, visit here: www.ashlane.com.au/Ps: We've been gifted an exclusive discount code for our community only for Lust Minerals which includes $25 off your order over $60 with code TRAINWITHASH.The most valuable thing to a podcast is sharing your thoughts through a written review and a 5-Star Rating - it's the ultimate gift! If this episode left you inspired, we'd absolutely love just 1 minute of your time to leave your valuable rating and review. Your feedback means the world to us!Click here the link below to download your FREE Fat Loss GuideTo follow us: Ash: https://www.instagram.com/ash__lane/Brad: https://www.instagram.com/trainwithbrad/And to follow more on our journey across Aus - make sure you're following: https://www.instagram.com/thelanewayontour/To join in our final FREE 5-Day Fat Loss Forever Challenge of the year - Register Here

Are You An Average Christian - Rick Brown by The Church of Christ Wheeler Area

This week were joined by Rob and Avis from Overland V1.0. They are currently taking a short break from traveling all over in their ridiculously cool 2021 RAM 3500 for Avis to train with Kristen @mrs.optoffroad in the Opt Offroad Bronco, for her second time running the Rebelle Rally. We talk about some of their trips including traveling from Virginia to Alaska, and getting muddy along the Mojave Trail. We also discuss the current restrictions in place for those filming in National Parks and how crazy the laws are. To get involved head over to their Youtube channel for more info with links and how you can help.

New Technology Supports Behavior Change in Hypertension Management Hypertension, or high blood pressure, is the most common modifiable cause of death in the world and affects 1.3 – 1.4 billion people worldwide including almost 50% of people over the age of 65. Consistently controlling blood pressure over time is the most crucial element in minimizing the risks of blood pressure driven diseases such as stroke, heart disease, heart failure, kidney disease, cognitive decline, vision loss, reproductive diseases and more. Consequently, episodic monitoring of blood pressure is antiquated as it does not assess blood pressure values consistently over time. New technology offers “continuous” blood pressure monitoring and personalized feedback on how specific lifestyle changes are impacting blood pressure levels. While only 50% of people with HTN are “salt sensitive” there are some dietary modifications that can reduce the intake of sodium while keeping flavor in mind. Tune into this episode with cardiologist Dr. Jay Shah and dietitian Angel Planells to learn about: ·       Hypertension (HTN) facts – definition, prevalence, diagnosis and management ·       Typical diet and lifestyle recommendations for HTN ·       Why episodic monitoring of blood pressure (BP) is antiquated ·       Average intake of and dietary recommendations for sodium ·       How only 50% of people with HTN are salt sensitive ·       How technological advances can help improve BP monitoring and management ·       The Hawthorne effect ·       How to seek out a registered dietitian nutritionist for guidance and support ·       Resources for health professionals and the public Full shownotes and resources at: https://soundbitesrd.com/245         

Welcome back to Private Parts, the podcast where nothing is off limits.It's Friday, and we are back with another fantastic episode for you. This week, Jamie is joined by singer-songwriter Caity Baser.Known for her honest lyrics, Caity rose to fame after releasing her song Average Student on TikTok over lockdown. Since then, she has been signed to EMI Records and gone on to feature on tracks with the likes of Joel Corry and Sigala.She chats to Jamie about hating school, realising she'd gone viral on TikTok and how this led to her now management getting in touch, which sparked the start of her music career. She also discusses how much she loves performing and how she doesn't get nervous, ever.To follow Caity on Instagram, click here.Don't forget to follow us on all our socials by clicking here, and make sure you don't miss out on our weekly episodes by subscribing. Hosted on Acast. See acast.com/privacy for more information.

DM “Level Up” to @‌colossusfit if you're tired of having an average body.In today's episode we give you the eight essential habits you need to become ultra fit.Listed points:Look at your entire journey (Stool) *You will not be ultra fit if you neglect this. Average efforts = average resultsWorkout routine & keep track of it. lot to consider, majority of people don't have a plan to follow. always end up doing less. us rep count, strong, notes, etc.Nutrition protocolGameplan and developing new goals and challengesHave accountabilityContinual learning - challenge what you know alwaysDevelop habits that make it easier to stay accountable to goalsDon't be all or nothingThanks for listening! We genuinely appreciate every single one of you listening.➢Follow us on instagram @colossusfit➢Apply to get your Polished Physique: https://colossusfitness.com/Support the show

Welcome back to Private Parts, the podcast where nothing is off limits. It's Friday, and we are back with another fantastic episode for you. This week, Jamie is joined by singer-songwriter Caity Baser. Known for her honest lyrics, Caity rose to fame after releasing her song Average Student on TikTok over lockdown. Since then, she has been signed to EMI Records and gone on to feature on tracks with the likes of Joel Corry and Sigala. She chats to Jamie about hating school, realising she'd gone viral on TikTok and how this led to her now management getting in touch, which sparked the start of her music career. She also discusses how much she loves performing and how she doesn't get nervous, ever.To follow Caity on Instagram, click here.Don't forget to follow us on all our socials by clicking here, and make sure you don't miss out on our weekly episodes by subscribing. Hosted on Acast. See acast.com/privacy for more information.

TIMESTAMPS:00:00:01 - Intro00:00:37 - Blessing to be Back00:02:02 - Glorious Day00:03:56 - Weekly Concession Stands Report00:12:31 - Patreon Shoutouts!00:13:47 - Clark's Fun Facts00:15:55 - UGA's Offense: The Good00:26:45 - Mike Bobo's Play-Calling00:36:31 - UGA's Defense00:43:53 - UGA's Special Teams00:46:36 - Georgia vs Ball State Preview00:53:03 - Florida Sucks00:54:45 - Vols Roll00:56:52 - Wenn State00:57:03 - Beamer Fall00:58:17 - FSU vs LSU00:59:30 - Too Big for the Roo's01:00:45 - Notre Dame @ NC State01:02:24 - Nebraska @ Colorado01:06:07 - Ole Miss @ Tulane01:07:42 - Texas A&M @ Miami01:09:11 - Texas @ Alabama01:10:28 - Auburn @ California01:12:01 - GAME OF THE WEEK!01:23:19 - Help Us!01:24:49 - Dang Good Football Team! SUPPORT OUR PODCAST: For just $5/month, you can support our podcast & unlock exclusive perks. Visit https://www.patreon.com/rowsixty & join today! CONNECT WITH US:Patreon: patreon.com/rowsixtyFacebook: facebook.com/rowsixtyInstagram: instagram.com/rowsixty/TikTok: tiktok.com/@rowsixtyYouTube: youtube.com/rowsixtyWebsite: rowsixty.comStore: rowsixty.com/store