Podcasts about average u

Multifamily Operational ResultsThe national multifamily market continued to strengthen during the week ending August 30, with both occupancy and leasing activity approaching year-ago levels. Average U.S. occupancy held steady at 94.53%, leaving it just 16 basis points below the same period last year. Leased occupancy also remained stable at 97.09%, narrowing the year-over-year gap to only 17 basis points. After trailing more significantly earlier in the summer, both measures have now recovered within a fraction of last year's performance.Leasing activity achieved a notable milestone. Properties averaged 2.7 new leases signed during the week, matching the pace recorded one year ago. After spending much of the year below prior-year levels, leasing demand has fully closed the gap, signaling that renter demand remains resilient as the market moves beyond peak leasing season.Pricing trends continued to improve, albeit gradually. Net Effective Rent (NER) increased 0.2% week over week to $1,773, while annual NER growth for new leases remained at -1.7%. Although rents continue to be the primary factor weighing on year-over-year performance, week-over-week momentum remains positive. Market conditions remain highly uneven, with several coastal markets generating positive rent growth while many Sun Belt markets continue to face pricing pressure.Revenue performance strengthened alongside improvements in occupancy and leasing. RevPAU increased 0.2% on the week to $1,676, while year-over-year growth improved slightly to -1.9% from -2.0% the prior week. As occupancy and leasing continue to recover, the revenue gap is gradually narrowing, though pricing remains the key constraint on stronger growth.Bottom Line: Multifamily fundamentals continue to improve. Leasing demand has fully returned to last year's pace, occupancy is nearly back to year-ago levels, and revenue trends are steadily improving. The remaining challenge is pricing. As the market enters the fall season, the key question is whether sustained demand and occupancy stability will begin translating into meaningful rent growth.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Multifamily Operational ResultsThe national multifamily market showed signs of stabilization during the week ending August 23, with occupancy recovering a portion of the prior week's decline. Average U.S. occupancy increased 10 basis points to 94.44%, though it remains 26 basis points below the same period last year. Leased occupancy also improved, rising 13 basis points to 96.93%, while continuing to trail year-ago levels by 48 basis points. Importantly, last week's widespread occupancy decline did not continue, suggesting fundamentals have found firmer footing as the leasing season enters its final stretch.Leasing activity remained a bright spot. Properties averaged 2.6 new leases signed during the week, matching the prior week and narrowing the year-over-year gap to just 0.2 leases per property. This is the closest leasing performance has come to last year's pace in recent months and signals that renter demand remains resilient despite broader market pressures.Pricing, however, showed little movement. Net Effective Rent (NER) increased just 0.1% week over week to $1,769, while annual NER growth for new leases remained negative at 1.7%. Although market-level performance varied significantly, those gains and losses largely offset one another, leaving national rent growth essentially flat.Revenue trends followed a similar pattern. RevPAU rose 0.2% on the week to $1,670, but year-over-year growth slipped slightly to -2.0%. While stronger demand and improving occupancy helped stabilize revenue, soft pricing continues to limit meaningful growth.Bottom Line: Demand remains the strongest component of the current multifamily landscape. Leasing activity has nearly returned to last year's pace and occupancy has stabilized following last week's decline. However, pricing remains under pressure, keeping revenue growth in negative territory. The key question for the remainder of the leasing season is whether sustained demand and firmer occupancy begin translating into improved pricing power.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

The national multifamily market softened during the week ending August 16, driven primarily by a broad decline in occupancy. Average U.S. occupancy fell 46 basis points week over week to 94.36%, and now sits 36 basis points below the same period last year after four consecutive weeks above year-ago levels. Leased occupancy also declined, falling 14 basis points to 96.80% and trailing last year by 70 basis points. The weakness was widespread, with virtually every market reporting lower occupancy.Despite the occupancy decline, leasing activity improved. Properties averaged 2.6 new leases signed during the week, up from 2.5 the prior week and the strongest pace of the summer, though still below last year's level of 3.2 leases per property. The combination of stronger leasing and lower occupancy suggests elevated seasonal turnover, as mid-August typically represents the peak period of move-outs and move-ins. The key question now is whether occupancy stabilizes once this seasonal churn subsides.Pricing remained largely unchanged. Net Effective Rent (NER) declined slightly by 0.2% week over week to $1,767, while annual NER growth for new leases held steady at -1.6%. Rent performance continues to vary significantly by market, with several coastal markets maintaining positive year-over-year growth while much of the Sun Belt remains under pressure.Revenue performance weakened alongside occupancy. RevPAU decreased 0.7% on the week to $1,668, and year-over-year growth deteriorated to -1.9% from -1.5% the prior week. The decline highlights the direct impact occupancy has on revenue generation and reinforces the importance of maintaining resident retention through the remainder of the leasing season.Bottom Line: Leasing activity remains healthy, but occupancy gave back much of its recent summer gains. The coming weeks will determine whether this reflects normal seasonal turnover or the beginning of the typical late-summer slowdown in apartment fundamentals.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Keith explores when the U.S. median home price could realistically hit $1 million and what long-term drivers like inflation, construction costs, and housing scarcity mean for investors.  He reveals the hidden issue of America's aging housing stock, explaining how outdated and inadequate homes quietly distort inventory data and reshape opportunities for renovation and build-to-rent strategies.  Keith also draws lessons from former Fed Chair Alan Greenspan and unpacks why some of the "worst" high-crime cities can still offer strong rental fundamentals, helping listeners think more clearly about risk, market selection, and long-term wealth building through real estate. Episode Page: GetRichEducation.com/612 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold. When will the median US home value hit the $1 million mark? I have the best answer for the exact year that it will happen, and it's probably sooner than you think. Also, there's a big hidden problem in America's housing market today, and no one is talking about it. It's not prices, mortgage rates, affordability, nor is it inventory. I'll tell you about it and more today on Get Rich Education.   Speaker 1  0:30   Since 2014 the powerful Get Rich Education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord, show host Keith Weinhold writes for both Forbes and Rich Dad Advisors, and delivers a new show every week. Since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top-selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps. Build wealth on the go with the Get Rich Education podcast. Sign up now for the Get Rich Education podcast, or visit getricheducation.com   Keith Weinhold  1:14   You know, Mid South Home Buyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com h i n d, that's danielthomashind.com and sign up before Spotsville Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre that's F L O C K homes . com / G R E.   Speaker 2  3:00   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  3:16   You're listening to One America's longest running and most listened to shows on real estate investing, not flipping, not speculating, not whatever the latest hot thing is, but prudent long-term real estate investing. This is Get Rich Education. I'm your host, Keith Weinhold. You've got to believe that you were not put on this earth to live a mediocre life and waddle in the safety of mediocrity. Your investing should be a reflection of that. You've got to believe that you can obtain financial freedom when you're young enough to enjoy it. What would be the point of deferring financial freedom until you're old, like, what would that point even be? I mean, just imagine a rich elderly version of you. It cannot buy youth. Youth cannot be bought. Look, right now, if someone offered you $20 million to be age 85 tomorrow, the probability that you would take it is pretty much zero. So then build sustainable, durable wealth now today, and with a sense of urgency. That's what we're doing here. A $1 million national median home price. When do we get there? Well, back in 1990 the median national home price was about 120k and you know, funny as it sounds, you can read about how back in 1990 people thought that homes were highly priced, even overpriced, and that maybe they'd need to start. Going down, why was that? Well, just three years earlier, in 1987 they crossed over 100k for the first time. So psychologically, six figures for a home price, that was still a fairly new phenomenon. In 1990 mortgage rates were 10% then for a 30 year fixed rate loan, and by the way, 10% mortgage rates didn't feel too bad to homeowners and real estate investors in 1990 because as recently as 1984 they were 14 and a half percent. Roll it back a little earlier to 1981 and mortgage rates were over 18% then, and of course, mortgage rates are a friendlier six to 7% today, but remember we're talking about home prices here, and when it comes to the trajectory of home prices, rates are really just trivia, because as I've discussed here on the show for years, to many people surprised, mortgage rates have almost nothing to do with home prices, contrary to popular belief, but to those people in 1990 that were still somewhat freshly getting used to six figure prices that were now 120k at that time today's median home price of 429,000 to $300 would have sounded as absurd as paying $18 for airport trail mix and $24 for airport beef jerky, yet here we are.    Keith Weinhold  6:36   All of those prices are true. That's where we are today, all right. Well, from 1990 till today, home prices have nearly four exed. So, with that backdrop from recent history, what about a million dollars? When do we get to that point? Well, home prices only need to go up about 2.3x from here. Yogi Berra said it's tough to make predictions, especially about the future, and I want to credit Dr. Lawrence Yuen, any our chief economist, for doing this analysis and sort of getting this conversation started, because when we look at the national median home price hitting million dollars, this forecast assumes zero price growth for this year, although home prices are now up 1.8% year over year. Here we go at 3% price growth from today, we get to a million in 2056 at 4% it's 2049 at 5% price growth, it's 2045 and it's 6% home price growth, it's 2042 and that's just 15 and a half years away. One part that I really want to credit Dr. Yoon for is that if you take the actual price trend from the last 25 years with all of its ups and downs, which also gives you an average annual gain of four and a half percent, by the way, and you project this into the future, that path reaches $1 million in 2048 just over two decades away, so taking the past quarter century, then, and extrapolating it into the future means we hit a million dollars in just a little over 20 years. So, therefore, perhaps the most prudent and sensible projection gets us there in 2048 But look, it's easy to make the case that growth is going to be on the higher side of these estimates, I mean, just look at what's going on now.   Keith Weinhold  8:45   Already, inflation is over 4% and there are all kinds of forces that are poised to push that inflation rate higher. I've talked about those in recent episodes. Today, 42 out of 50 states show annual home price gains. Near-term sparks to more home price growth are energy and material price volatility from tariffs and wars, which are poised to push up the replacement cost of homes. And you know, when your property's replacement cost rises, all capital values tend to rise as well. There's also pent-up demand and still paltry supply in most US regions. I'll get to that, but regulatory costs alone are now $132,000 for a new single-family home. You heard that right? Yes, the cost of zoning and other regs is now 132k and that figure is sticky. That does not tend to come down, and then you've got these longer term bonfires, not just the short term sparks that I mentioned, but the longer term bonfires that could make million dollar median home. Dollars occur before 2048 This construction of data centers and all the resources that it takes, and chips, and copper, and electricity, that's all inflationary for our society. When we're building that infrastructure, our currency will keep getting diluted to deal with huge debts like defense and social security payment commitments and interest payments themselves, I mean that part is plain as day new household formation that's expected to push up demand until at least the late 2040s and after that demographically things could turn, but the base case remains 2048 here for the million dollar median home, so this million dollar mark, you know, it's not some sci-fi housing fantasy where your realtor shows up in a flying car, okay, values are already approaching a half million, and this figure of a million that is just 1000 1000, it's not some incomprehensibly gigantic number that's shooting for the moon and the stars, so really the bottom line here is that a million dollar median national home price is an almost inevitable destination and is being pushed up by appreciation, inflation, replacement costs, and scarcity.    Keith Weinhold  11:25   The real question is not whether this happens, but it's when it happens. That's why I gave you the year of 2048 as the base case. I want to talk more about housing scarcity shortly, but first, for some historic perspective, do you want to know how much my parents paid for their home in 1974 I thought I knew the figure, but I wanted to check with Dad, and he let me know, and it was what I thought. All right, first, I think I've shared with you before that my parents still live in the same Countersport, Pennsylvania home, the old smallish Victorian style home built in 1917 They've lived in that continuously since Richard Nixon was our president. And you know, when I go visit my parents, I get to sleep in the same bedroom that I have since I was an infant, just amazing. Also, do you know that that home where I grew up, and they still live in.. Do you know that home is location? Do you know where that location is? On what I'll call the urban to rural spectrum, it's interesting. The home is not in a city, it's not in the suburbs, it's not in the exurbs, it's not in the country, and it's not in a planned community either. What's left? Do you know where it might be? Maybe you're thinking too hard. It is in a small town, that's the answer. A small town with a gridded street pattern and Main Street, that's called Main Street, and old brick businesses. It is a standalone community with its own identity and a really slow pace of life. Its population was about 2600 at the turn of the century, and it's down to about 2100 residents today. And Cowder Sport, Pennsylvania, is a remote place, it's over two hours to the nearest international airport in Buffalo, New York, and there really aren't that many flight routes out of Buffalo either. So, for that detached single-family home that does have a big yard, my parents bought it in 1974 for $20,000 exactly 20k and they quickly got that home paid off back in the day, about 58 years ago.   Keith Weinhold  13:48   The only financing they had, it wasn't a mortgage in the traditional sense, rather my mom's parents gave them a small loan to put toward that 20k and it was an interest-free loan, and the seller kind of gave them my parents there this adjacent grassy lot, practically free. The person that sold it said they didn't feel like mowing it. That wouldn't happen today. Real estate is just more coveted and calculated, I think. It'll just go throw in a lot, and you can guess who had to mow that adjacent grassy lot more than a few times? Yours truly. And hey, I might even mow it again this year when I visit my parents, and my dad listens to this show, and he sure hopes so. It's not a bad looking home today. I definitely did not grow up dirt poor, but just modestly, there was only one bathroom for our family of four that we all shared, and yes, what this meant was patience, timing, and the ancient art of knocking on the bathroom door with urgency sometimes, and we all took baths only until I was age eighteen, there was just simply no shower until then. We all shared one car, a Subaru station wagon, definitely not deprived in a great childhood, just living modestly. Well, today's median home price is now 22 times the 20k that my parents paid for their home in 1974. Homes in countersport are a lot cheaper, so maybe it's just 12x there. But see, the point is that the home doesn't have more utility because it doesn't have any more than the same three bedrooms today. It's got about the same amount of usefulness they did add a second bathroom. What happened is that our currency has just debased enough to be worth about 1/12 as much as it was in 1974 That's why the price is up 12x Before I get to national housing scarcity factor, maybe you've always wondered where I get my abundance mindset from, since I grew up in a small simple remote place, I'm not sure it's just an internal confidence gain from somewhere. Sometimes I wonder if where I grew up actually contributed to growing my means rather than living below my means, because at some point subconsciously I might have thought before that, you know what, if I fail big in life, then I could always move back to old counter sport and own a decent home for just 200k in a town where I know people, maybe it worked that way, and I moved away from that home for good at age 23.   Keith Weinhold  16:44   By the way, that's when I left the nest. As you know, I like to say the most important thing here is that I won the parent lottery - decent, stable married parents. That means considerably more than inflation or economic factors ever could two grade A parents now getting back to housing's scarcity factor. Did you know about what's happening with the available inventory of homes now after four years of rising supply? The inventory trend has flipped. There are now fewer homes for sale nationally than there were a year ago, and this has really thrown off some forecasters that thought inventory would climb about 10% this year. Instead, we have fewer one to four unit properties on the market today than we did last year. This matters because it could signal the next phase of the housing market, it's important to identify these inflection points right here, if it truly is one, because shrinking inventory, that means fewer options for buyers, more competition, and eventually upward price pressure, if the trend holds, but that's not here yet, we haven't seen home prices really take off. A decade ago, there are about one and a half million available homes. The pandemic low in 2022 is where we hit a jaw-droppingly low, 350,000 available homes. I mean, really scraping the bottom, those were the days when there were 40 people in line to see one open house, that was nuts.   Keith Weinhold  18:28   Okay, from those scarce, scarce days that has rebounded to 1.1 million available homes the past year or two, and this year it stepped back a little to about 1 million available homes for sale in this nation, so bigger picture today we have 30 to 35% fewer homes available now than we had a decade ago, and remember we've also got to account for the fact that we've had population growth since that time as well, that's why demand continues to exceed supply, so really the housing shortage is a little worse whenever you factor in population growth. So this really speaks to the scarcity, and so does something else here. And there's a big hidden problem in America's housing market today, and nobody, like no one is talking about this, it's not prices, it's not mortgage rates, affordability, nor is it inventory, it's the fact that America's housing is aging with the median now 45 years old, that's older than America's homes have ever been, and 45 is also about the median age of a TikTok user's parents, I think. Now, an 80s built home isn't exactly ancient, but this really factors in here. Now, in Buffalo, Pittsburgh, and Cleveland, the typical home predates 1960 in Austin and Raleigh, it. Is post 2000 so it feels like the Northeast is replacing avocado green appliances, and the Southeast is just replacing Ring camera batteries, because, as you'd expect, fast growth areas have a young housing stock like Florida and Texas and Tennessee to a lesser extent, and at the beginning of the month, I sent our newsletter subscribers this terrific national map that shows the median age of homes by city, a rare map that's pretty fascinating, and in fact, the oldest homes in the nation are in Elmira, New York. They are about 70 years old, not far from where my parents live in Countersport, Pennsylvania, and this is such an under-discussed part of the housing shortage. See, a market it can technically have what seems like available inventory, but still not actually have habitable, financeable, insurable, affordable housing, and older housing stock that creates friction with repairs and appraisals and insurance and affordability.    Keith Weinhold  21:10   Harvard's Joint Center for Housing studies found that 3.6 million renter households, that's 8% live in inadequate housing with problems in multiple structural deficiencies like water leaks or serious problems with electrical HVAC or other systems, and this is a real threat to NOAA housing. Are you familiar with this term, NOAH? NOAA stands for Naturally Occurring Affordable housing, and it means properties that are affordable purely due to free market conditions, not public funding. What's interesting is that America isn't just not building enough. See, we're also retaining a lot of older homes longer than generations past did in the mid 20th century, what cities routinely did is that they demolished obsolete housing, and they rebuilt aggressively. Today, that just doesn't work in most places. Replacement happens slowly, because of higher construction costs. In this not in my backyard bickering, and zoning restrictions, and labor shortages and environmental rules. I mean, it just doesn't work that way anymore. Now, here at GRE, we introduce you to providers across the nation that do deep, extensive quality rehabs, but much of America, they just kind of keep patching their homes like it's a 1998 Honda Accord with 280,000 miles in three glowing dashboard warning lights, that's what they're doing, that's why the average age of the home keeps going up. All right, so what are some of the big takeaways for real estate investors with America's homes being older than ever? Number one, it's supply. America still needs more housing, even in cities with stable populations. A lot of them are going to see more units become obsolete than will get built. That's why when you see a headline like inventory is up, all right, that can be true, but it can also be misleading if it's a 1952 duplex with knob and tube wiring, and a furnace that's held together with hope and duct tape. All right, a surprising amount of America's housing stock is basically running on CPR and Lowe's rewards points. The second takeaway with this aging housing stock is that obviously more renovations are required again, that is, if you're not buying new or turnkey, so therefore states like New York, Pennsylvania, Ohio, Massachusetts, they all have busy Home Depots.   Keith Weinhold  23:56   When obsolete properties get renovated, okay, well, then rents have to increase to support those costs, and then you know what happens a lot of times. Cynics call that process right there gentrification. Aging homes are going to be a major policy topic over the next decade. There is this tension between keeping buildings affordable and keeping them standing, you can't preserve what's falling apart, but see, then fixing it prices some people out, and then the third investor takeaway with this aging housing is yet again the arrow points here one more time, build to rent housing, yeah, new build rental homes, they're often the way to go. Usually the trade off for you is that you pay more upfront, and then you have fewer maintenance and repair costs. It usually works out for you, and today this is really tilted to your advantage, because home builders are still doing. Generously buying down your mortgage rate to perhaps 5% it depends on the builder, but this is a rare setup for you in this cycle of the market. New property, low maintenance, and mortgage rates that feel like they came from a different decade, you're getting them now. Not only is our housing aging, hey, so are we. The median age of all Americans is 39 Back in 1980 it was just 30, so this is a massive demographic shift in a short period of time. I mean, you and I are both older than we ever have been, of course, and we're both about 20 minutes older than when you and I started talking today. That is why I endeavored to make this show well worth your time. The bottom line with the aging homes is that by most measures, US housing stock is older than it's ever been. New construction has not kept up with population growth, and this is going to shape housing affordability and construction trends and investment opportunities across America, perhaps for the rest of your investor life. I need to tell you about America's worst cities for crime shortly, because it includes a lot of cities popular with investors, including cities that we frequently talk about here. So, what is going on? This is something that I've wanted to tell you about for a long time. Hey, if you like learning from me, you are in luck. This week and next week, it will be monolog episodes, just you and I together. I'm Keith Weinhold. More for you straight ahead here on episode 612 of Get Rich Education.    Keith Weinhold  26:41   What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge. While it's on your mind, start at ridgelendinggroup.com That's ridgelendinggroup.com    Keith Weinhold  27:12   Let me ask you something. If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866 that's Family 266866.   Speaker 3  28:14   This is Hal Elrod, author of The Miracle Morning, and listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  28:28   Welcome back to Get Rich Education. I'm your host, Keith Weinhold. America turns 250 years old this coming weekend. That's our semiquincentennial, which is a word that sort of sounds like it should come with a Latin tutor and a necktie. If you live in the US, like I do, happy birthday to us. Enjoy it, celebrate it, be grateful for it. We're living through a milestone that only comes around once every two and a half centuries. Remember that, despite our differences, we still get to live in one of the most remarkable nations ever built. Warren Buffett said, No one has ever been a success betting against America since 1776 and they're not going to be a success in the future doing it either. End quote. Before I discuss the worst investor cities for crime, Alan Greenspan died last week. Let's learn from history with this long-tenured Fed chair. He served for 19 years, from 1987 to 2006 And then I'll talk about what it means to you. And I actually met Greenspan in person, just briefly, at the New Orleans Investment Conference several years ago, he led the Federal Reserve under four presidents from both parties, and really he was regarded as somewhat of a celebrity economist. He shaped economic policy during this period of massive wealth creation, again 1987 to. 2006 almost two decades, Greenspan was held for his well-timed interest rate moves to fight inflation, all while promoting economic growth, but you know, a lot of prominent economists, they also blamed his big financial deregulation for causing the 2008 global financial crisis. Greenspan and Nomics were really about entering government during the Ford administration after he co-founded a successful economic forecasting firm, and then Greenspan really became known for basing his decisions on this sort of meticulous data analysis, not textbook economics, and he ultimately gained this guru status for really capable monetary policy, including during one of the longest economic booms in the country's history, between 1991 and 2001 all years in which he reigned, and he helped engineer a swift recovery from a massive financial crash during the late Reagan administration, and he did that by slashing interest rates, and then pouring tons of money into the economy, and you know, yeah, everyone is popular when they slash interest rates and print tons of money in the short term, because that makes everybody feel really prosperous, but I think you know what that leads to. Say it with me, inflation in the mid 90s. He presided over rate increases to stem that price growth without causing a recession, and that is a tough balancing act that's known as a soft landing. Jerome Powell basically did that too, despite his faults. But anyway, later Greenspan didn't pay attention to people that wanted him to keep jacking up rates, but he got it right to hold off from doing that.    Keith Weinhold  31:50   There was an economic upswing because Greenspan correctly predicted that we'd have all these productivity gains from personal computers that would help tame inflation. He got that part right, and Greenspan, he was like famous for using these hard to decipher pieces of jargon known as Fed speak. I mean, it was unforgettable in 1996 when he dropped the term irrational exuberant, so that really just means these unduly escalated asset values, and he also pioneered these interest rate change announcements as a way to help guide the markets, instead of surprising everybody. But, on the other hand, you know, anyone that shapes the economy is gonna get some criticism. A lot of people said that Greenspan would just always rescue the stock market, and investors sort of knew that he would come rescue it, and that made investors make these riskier and riskier bets. He was an acolyte of libertarian Ayn Rand, and so Greenspan lobbied for this sort of light touch financial regulation during the Clinton years, and that combined with his refusal to raise interest rates and rein in subprime mortgage lenders to stamp out the housing bubble in the 2000s that's really what caused people to say that he was partially responsible for the global financial crisis. His influence definitely remains today. Alan Greenspan lived from 1926 to 2026. Now we've all seen those lists, like America's worst cities or the highest crime metros in the US, floating around on social media, in articles like Newsweeks published for decades, and everywhere in between, right.   Keith Weinhold  33:42   It's like the 10 places where your wallet, your hubcaps, and your will to live disappear, something like that, in some form. When you consider real estate markets that you want to invest in, the quality of the area absolutely matters. A bad neighborhood. Oh, that's going to contribute to stagnant rents, flat or declining values, higher vacancy, and you'll probably attract a tenant who treats your property like it's a borrowed jet ski. All right, not where you want to be, but a faulty modus operandi is that a reader? They often see a list like this, and then they extrapolate an area's crime or their public safety issues and blankets them across an entire city. Now, one of these lists came across my desk recently, the 50 worst cities to live in in the United States, and the cities are ranked, and here's what struck me as wild, paradoxical. At least seven of the top eight cities have areas with strong investment fundamentals. Actually, so the eight worst, in order, are Detroit, Memphis, Jackson, Mississippi. St. Louis, Baltimore, Cleveland, Shreveport, Louisiana, and then eighth worst is Birmingham, Alabama. Most all of these have good investment pockets in them. Now, I've never visited Shreveport, so that's one that I can't speak to. All right. Well, what is going on here? Why am I calling them good investor cities if they all make this list, and by the way, I was born in the 34th worst on this list, Redding, Pennsylvania. One of my degrees is in geography, and I get out and see the world, and what's weird, and you'll see this over and over and over again in society throughout your life, and that is when people talk about their own city that they live in. Oh, they understand the nuance. Okay, you know your own city has posh areas and rough places and working class areas, and that city that you live in has improving neighborhoods, and it also has don't stop there for gas after midnight areas, but see, when there's another city that people aren't familiar with, or they haven't visited, well, then suddenly the entire area gets slapped with one label, like, oh, that's nice, or that place is a dump, or the world would be better if that entire city slid into the ocean. Well, that's lazy thinking. Almost every city has sections that they're proud of. And then, well, the garbage collector has to live somewhere. Take Memphis, for example.    Keith Weinhold  36:38   It has long been one of America's most real estate investor advantaged cities, and it is a favorable place for income property owners, because it's got landlord friendly laws, a deep base of blue collar distribution jobs, a high ratio of rent income to purchase price, and Memphis also has such an embedded renter culture that tenants appliances actually move around with them, but yet Memphis, like I said, is a dreadful number two on this worst cities list due to high crime. Okay, that's the problem with citywide statistics. Bad neighborhoods can skew stats for an entire city, in fact, since we just mentioned them here on the show last week, take a reputable Memphis-based income property provider like Mid South Homebuyers, they renovate and provide investors with property in neighborhoods like Fraser and White Haven, but wait a moment, you can easily read about crime and blight and disinvestment into these same exact two Memphis neighborhoods, Fraser and Whitehaven. That's real, and that is accurate. And simultaneously, Fraser is anchored economically by nearby world-class hospitals, a massive Amazon presence. You've got Nike's largest distribution center in the world. I mean, that's not exactly a tumbleweed economy. Drive down Fraser's Pamela Drive, and you're going to see an established leafy middle-class neighborhood, mostly built in the 60s, with these modest, well-kept properties, and you can see that if you pull up Pamela Drive, Memphis on Google Street View, and they're often three bed, one bath ranch homes, about 1000 square feet in size, with two tenths of an acre lots. I mean, everything I just described there is ideal for cash flowing rentals, driveways, lawns, normal life - it's not posh, but pride of ownership is apparent here. People mold their lawns, trash stays picked up, you see orderly cars, maybe a jogger or a baby stroller, or a neighbor watering flowers.   Keith Weinhold  38:58   You do not see dumped furniture, no cars on blocks, no front yards that look like a failed episode of storage wars. Community stalwarts live here, like our police officers, nurses, public school teachers. So, see, there's substantial variation in investability, even within Fraser in Whitehaven, it's almost a block by block phenomenon, even within one neighborhood. So, to mentally stigmatize every neighborhood in Greater Memphis as bad due to their high crime areas is a really gross aberration. So, when one isn't familiar with an area, there's often an inclination to broad brush stroke at all. I mean, gosh, I wonder if people in Kazakhstan think that you are an abject degenerate simply for sending your child to school because they read that America has lots of school shootings. See, it's. The same principle here, and just like any provider the GRE tells you about, Mid South Homebuyers wants you to visit their neighborhoods in person. In fact, they frequently arrange investor tours and even welcome your visit so much that you'll get a $500 credit on your first property for attending the tour, they will pay you to come see Memphis effectively, and the bigger picture, national crime rates of all kinds just keep plummeting, because everybody is on their phone. Frankly, a lot of places on worst cities lists, like Memphis, they can be dangerous to invest in without a free consultation from our GRE investment coaching or a resource like Mid South Home Buyers.    Keith Weinhold  40:51   So, the bottom line is that investors, they don't buy a city, you're going to buy one specific house on one specific street with one specific tenant profile in one specific property management system. Micro locations are what determine your ROI, and by the way, Mid South Home Buyers has good income properties, some of them for about 200k or under 200k and right now they're offering investors their triple five program. This means they buy down your mortgage rate to 5.5% or maybe a little lower, and have a property management fee of just 5% for the first five years on every new turnkey property purchase. That is currently one of the best deals in the nation for income property. You can learn more at Mid South homebuyers.com If that sounds interesting, hopefully you've learned about real estate today and have helped clear up some misconceptions. Million dollar median homes are not some far-fetched fantasy. 2048 is my best guess as to when we reach that point. Housing is more scarce than you think, especially when you consider that America's homes are older than they've ever been, and when we look at one city's crime or demographic statistics, that broad brush strokes quite a wide area. Hey, if you enjoyed today's episode, there's a way to get more out of it for you and others, that is by telling two friends about the show, I love it when you do that, and I'm grateful for it. Text them this episode right now. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 1  42:37   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.    Speaker 1  43:05   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com  

Why do low P/E stocks perform better in overpriced markets? We are currently in a momentum-driven market, and many people are experiencing FOMO, which is the fear of missing out. Much of this is being fueled by AI and technology stocks, where investors are willing to pay almost any price because they believe these industries will continue growing indefinitely and they don't want to miss the opportunity. The problem is that high P/E stocks and companies with no P/E since there are no earnings at all already have massive future success priced into them. When the market eventually declines, as it always does at some point, it is often because these high-flying companies miss lofty expectations. That can trigger major selloffs and sharp declines in stock prices. Low P/E stocks, on the other hand, typically have more modest growth expectations. Because expectations are lower, market downturns often have less impact on these companies. Many low P/E companies are also more mature businesses with stable cash flows, which tend to hold up better during slower economic periods. Examples include companies in consumer staples and financials. In addition, many low P/E stocks pay dividends, which can help stabilize returns and reduce volatility during uncertain markets. However, investors still need to be careful to avoid “value traps” which are companies with low P/E ratios that deserve to trade at low valuations. This is why understanding the “E” in the P/E ratio or the earnings is so important. You want to avoid investing in companies with declining businesses and shrinking earnings potential. Think about companies like Polaroid or Blockbuster, which failed to adapt as their industries changed. It's also important to remember that market cycles play out over years, not weeks or months. Just because a strategy has worked well for a couple of years doesn't mean it will continue indefinitely. For example, it took roughly five years for the tech boom to fully unravel during the dot-com bubble.   Is Your Beer Budget Feeling the Gas Pump? If your beer fridge has been looking a little emptier lately, you're not alone and the culprit might not be your willpower. New Nielsen scanner data shows that U.S. beer, hard seltzer, and cider volumes dropped 6.3% year over year through the week ending May 2, both on a two- and four-week trailing basis. This was nearly double the 3% declines seen between November and mid-April. What's driving it? Analysts at Bernstein are pointing straight at the gas pump. There's a clear negative correlation between gas prices in a given state and beer volume growth, and it's becoming more visible in the data, particularly in markets with the most expensive fuel. Average U.S. gasoline prices have risen roughly 52% since the start of the Iran war, according to AAA. That's a serious hit to household budgets and it shows. California, with fuel averaging around $6.16 per gallon, saw a 16% decline in beer volumes. Arizona and Texas weren't far behind, posting declines of 10% and nearly 7%, respectively. Convenience stores seem to be seeing the brunt of the decline as they are highly sensitive to gas station traffic and impulse purchases tied to commuting and travel. Not every brand is suffering equally. Michelob Ultra is holding relatively flat, while Bud Light and Budweiser are posting double-digit volume declines. Boston Beer remains the weakest performer among major brewers.   Information is starting to trickle in about the SpaceX IPO The SpaceX IPO is expected to be the largest initial public offering on record, with the potential to raise $80 billion or more through the stock sale. Based on the information currently available, SpaceX is expected to begin its roadshow around June 4th, which could place the public offering date near June 12th. The company is expected to trade under the ticker symbol SPCX on the Nasdaq, as well as Nasdaq Texas, which would represent a significant blow to the New York Stock Exchange. If you plan to read the entire prospectus, be prepared to invest some time. The filing totals 277 pages, not including notes and exhibits. By comparison, a typical IPO prospectus is usually fewer than 200 pages. Financial data shows that in 2025, SpaceX generated revenue of $18.7 billion, an increase of 33% over the previous year. However, earnings declined sharply, with the company reporting a net loss of $4.9 billion compared with a profit of $791 million in 2024. Unsurprisingly, Elon Musk will serve as CEO. Goldman Sachs is expected to lead the offering alongside Morgan Stanley, Bank of America, Citigroup, and JPMorgan Chase. Given the size of the deal, it will certainly be interesting to see how all five firms work together. As more important information becomes available, we will continue to keep you updated.   Financial Planning: The Breakeven on Social Security Many people look at their Social Security statement and perform a breakeven analysis to determine how long they would have to live for waiting to claim benefits to pay off. These simple calculations often suggest that claiming at 62 is best if life expectancy is less than around 78, claiming at full retirement age around 67 makes sense if life expectancy is between 78 and 82, and waiting until 70 is best if someone expects to live beyond 82. The problem is that this type of analysis is often too simplistic and can be misleading. Most breakeven calculations only compare the total dollars received at different claiming ages and ignore several important factors. First, Social Security benefits continue to receive annual Cost-of-Living Adjustments (COLAs), whether benefits are started early or delayed. Second, no one truly knows how long they will live, so any breakeven age is really just an estimate. Most importantly, many analyses ignore the time value of money. If someone starts benefits earlier, they may be able to reduce withdrawals from other retirement assets, allowing those investments more time to grow and potentially generate additional future income. When you factor in both Social Security COLAs and the potential return that could be earned on invested assets, the breakeven age often moves much later than people expect. In many cases, it can take well into someone's 90s or beyond before delaying benefits actually produces a greater overall financial benefit. That does not mean taking benefits early is always the best choice, but it does show that Social Security decisions should be based on an overall retirement income strategy rather than a simple breakeven calculation alone.   Companies Discussed: Versant Media Group, Inc. (VSNT), YETI Holdings, Inc. (YETI), IMAX Corporation (IMAX) & Under Armour, Inc. (UAA)

National Priorities Project Program Director Lindsay Koshgarian: 'Tax Day 2026' Report: Average U.S. Taxpayer Paid More Than $4,000 for War Last YearLatin American Perspectives Associate Managing Editor Steve Ellner: Trump's Wars on Iran, Venezuela and Cuba: a ‘New Stage of US Imperialism'Poor People's Campaign West Virginia Tri-Chair Pam Garrison: Low-Income Americans' Gains of Recent Years Now Lost to Trump's Corporate AlliesBob Nixon's Under-reported News Summary• Trump may send Afghans who aided US forces to Congo• Fire service will close research stations that study wildfire risk• Despite racial hostilities, Haitian immigrant communities are models of resiliencyVisit our website at BTLonline.org for  more information, in-depth interviews, related links and transcripts and to sign up for our BTL Weekly Summary. New episodes every Wednesday at 12 noon ET,  website updated Wednesdays after 4 p.m. ETProduced by Squeaky Wheel Productions: Scott Harris, Melinda Tuhus, Bob Nixon, Anna Manzo, Susan Bramhall, Jeff Yates and Mary Hunt. Theme music by Richard Hill and Mikata. 

Average U.S. gas prices rocketed past $4 per gallon on Tuesday, reaching their highest level in nearly four years. Donald Trump reportedly is looking for some kind of off ramp, but of course every time we move close to negotiations the Israeli's bomb something to scuttle those plans. 

Trump's team makes moves in Minnesota; Democrats show their asses; and retired Green Beret Eric Schwalm joins the show. Watch VINCE Live on Rumble - Mon-Fri 10AM ET ⁠⁠⁠⁠ ⁠https://rumble.com/vince Behind-the-Scenes: Here's Why Trump Is Deploying Tom Homan to Minnesota https://dailycaller.com/2026/01/26/donald-trump-border-czar-tom-homan-minnesota-kristi-noem/ Here's Why Kristi Noem Demanded “Hours-Long” Meeting with Trump https://nypost.com/2026/01/27/us-news/noem-demanded-hours-long-meeting-with-trump-after-shes-sidelined-amid-backlash-over-ice-shooting/ Average U.S. Tax Refunds Reach Record Highs for 2025 https://redstate.com/wardclark/2026/01/27/the-4000-milestone-average-tax-refunds-hit-new-highs-for-2025-n2198560 Sponsors: The Wellness Company - https://twc.health/ VINCE code: Vince Birch Gold - Text VINCE to 989898 HomeServe - https://homeserve.com Goldbelly - https://goldbelly.com code: Vince Learn more about your ad choices. Visit podcastchoices.com/adchoices

A few simple changes could slash your food bill – and your climate footprint. Learn more at https://www.yaleclimateconnections.org/ 

Attorney and wealth manager David B. Mandell discusses his article "Why physicians are unlike the 'average' investor," highlighting why doctors face unique financial challenges compared to most U.S. investors. David explains the significant income and tax liability differences physicians must navigate, the complexity of their net worth, and the critical opportunity cost of their limited time. He also outlines why many doctors choose to outsource investment management, and what they should demand from financial advisors in terms of transparency, communication, and alignment. Listeners will gain practical insights on how physicians can protect their wealth, make tax-efficient decisions, and focus on their highest and best use of time while still staying engaged in their financial future. Mentioned on the show: Wealth Strategies for Today's Physician: A Multi-Media Playbook. Get your free print copy or eBook download, available exclusively to members of the KevinMD community: https://www.ojmgroup.com/promo/KevinMD/ Our presenting sponsor is Microsoft Dragon Copilot. Microsoft Dragon Copilot, your AI assistant for clinical workflow, is transforming how clinicians work. Now you can streamline and customize documentation, surface information right at the point of care, and automate tasks with just a click. Part of Microsoft Cloud for Healthcare, Dragon Copilot offers an extensible AI workspace and a single, integrated platform to help unlock new levels of efficiency. Plus, iit'sbacked by a proven track record and decades of clinical expertise—and iit'sbuilt on a foundation of trust. It's time to ease your administrative burdens and stay focused on what matters most with Dragon Copilot, your AI assistant for clinical workflow. VISIT SPONSOR → https://aka.ms/kevinmd SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended

- Average U.S. Car Now 12.6 Years Old - U.S. Auto Insurance Rates Soar - New China Import Tariff Could Hurt EU Automakers - EU Car Sales Up 12% In April - A Look Inside the Brains of The Tesla Cybertruck's Battery - Ford F-150 Updates - Ford Tells Dealers to Halt EV Investments - BYD Launches Double-Decker Bus in London

- Average U.S. Car Now 12.6 Years Old - U.S. Auto Insurance Rates Soar - New China Import Tariff Could Hurt EU Automakers - EU Car Sales Up 12% In April - A Look Inside the Brains of The Tesla Cybertruck's Battery - Ford F-150 Updates - Ford Tells Dealers to Halt EV Investments - BYD Launches Double-Decker Bus in London

The U.S. median mortgage payment for prospective homebuyers has dropped significantly over the last month. It is brining back homebuyer demand at a rapid rate and fueling what may be the next leg up for home values and the housing market overall.

Do you financially support your adult kids? This is a tough area. Clark shares some surprising statistics and offers some guidelines for parents. Also in this episode, do you pay attention to security warnings including data breaches, scams & digital vulnerabilities? Clark discusses what it takes for us to actually take security alerts seriously and act to protect our accounts.  Funding Your Adult Kids: Segment 1 Ask Clark: Segment 2 Security Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids Kevin O'Leary: How I handle family members who ask for money and the one rule I always enforce Study reveals more than half of American parents in these 36 states shell out to support their adult children  How Does Your Credit Utilization Rank vs. Average U.S. Consumers? Can I Trust the FDIC's Recommendations on Getting Insured for More Than $250,000 at a Single Bank? Best Free Password Managers: 7 Top Picks / How To Create a Safe Password How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion What Is a 403(b) and How Does It Work? Clark does not purchase extended warranties! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover why the average U.S. homeowner is a millionaire. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5% or 10% on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? -Asset allocation model with stock and crypto ticker symbols and percentages to invest -Monthly VIP investing webinars live with Linda -Private VIP Facebook group with daily interaction with Linda -Weekly VIP stock market & crypto update emails -Lifetime access with no additional cost -US and foreign investors, no minimum $ amount required Extending the special offer, enjoy a 50% savings on the VIP Experience by using promo code "SAVE50" at checkout. Pay once and enjoy lifetime access without any additional cost. Click here to enter code and save 50%. Or have a complimentary consultation with Linda to answer your questions by requesting a free appointment to talk with Linda. WANT TO BUY STOCK PRE-IPO?  #Ad Linqto has removed all the barriers so now everyday investors can invest. Sign up to receive a $500 credit toward your next investment from Linqto, click here: https://www.linqto.com/signup?r=e9tdhbl49v WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at IRS Guard Dog: https://www.irsguarddog.com?afmc=2n PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR THE WEALTH HEIRESS BOOK Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) WANT MORE FROM LINDA? Check out her program: https://www.lindapjones.com/why-join-the-vip-experience/ Follow her on Twitter: https://twitter.com/LindaPJones WEALTH MENTORING LIBRARY OF PODCASTS Listen to the full Wealth Mentoring Library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics: https://www.lindapjones.com/podcasts/ Sign up for my weekly wealth newsletter at www.lindapjones.com Be Wealthy & Smart, is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor™. Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)    

And she said, “Oh, my lord! As you live, my lord, I am the woman who was standing here in your presence, praying to Yahweh. For this child I prayed, and Yahweh has granted me my petition that I made to him. Therefore I have lent him to Yahweh. As long as he lives, he is lent to Yahweh.” - 1 Samuel 1:26-28   This Episode's Links: 00:24 – 1 Samuel 1 04:27 – Thoughts on the Reading 34:06 - Male to Female Ratio by State – wisevoter.com 53:37 - Average U.S. House and Household Size infographic – Population Education --- Send in a voice message: https://podcasters.spotify.com/pod/show/garrett-ashley-mullet/message

Average U.S. household spending on SVOD has grown strongly for the last decade. But with the industry maturing, will it continue to increase? We discuss eight factors that will influence the answer.

Plus: U.S. home sales dropped for eighth straight month in September. Average U.S. mortgage rate rises to 6.94%. American Airlines revenue climbs as travel demand holds. J.R. Whalen reports. Learn more about your ad choices. Visit megaphone.fm/adchoices

But core inflation excluding food and energy costs rose to highest level in four decades. Average U.S. mortgage rates reach 6.92%. Social Security recipients to see 8.7% cost-of-living increase, largest since 1981. J.R. Whalen reports. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen to the September 2nd, 2022 daily headline round-up and find all the top news that you need to know.

What equipment should I start with to do live video streams? Is it a problem if someone is using my YouTube TV service (knowingly) in a different location constantly? Issues with Adobe Premiere after a Windows 10 update and what could be causing that problem. How to verify an email account with an old phone number? WiFi or ethernet connection for streaming video content? Is there any potential problem accepting random friend requests on Facebook? Plus, conversations with Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo on a rare Sunday appearance. Netflix to add a lower-cost ad-supported tier. Amazon is developing a feature to synthesize a person's voice through short audio clips to put in deceased relatives into your Amazon Echo? Average U.S internet household uses a record average of 6 over-the-top streaming services. What equipment should I get to start doing video livestreams? Sam Abuelsamid and the Ford Driving Dynamic Lab. YouTube TV & managing locations. A Windows 10 update is causing issues with Adobe Premiere. Is it worth updating to Windows 11 from Windows 10 currently? What can a caller do to verify a Yahoo email account through a phone number they no longer use? Chris Marquardt and used film cameras. Should you have an ethernet connection for streaming video content, or is WiFi sufficient enough? Suggested email services for easy use. Is there a hazard to accepting a plethora of random Facebook friend requests? Rod Pyle and the Jovian Vortex Hunter program & the 5-planet planetary alignment! Dick DeBartolo and the Kodak Reelz Digitizer Converter. Host: Leo Laporte Guests: Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit Show notes and links for this episode are available at: https://twit.tv/shows/the-tech-guy/episodes/1906 Download or subscribe to this show at: https://twit.tv/shows/the-tech-guy Sponsors: wealthfront.com/techguy cachefly.com

What equipment should I start with to do live video streams? Is it a problem if someone is using my YouTube TV service (knowingly) in a different location constantly? Issues with Adobe Premiere after a Windows 10 update and what could be causing that problem. How to verify an email account with an old phone number? WiFi or ethernet connection for streaming video content? Is there any potential problem accepting random friend requests on Facebook? Plus, conversations with Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo on a rare Sunday appearance. Netflix to add a lower-cost ad-supported tier. Amazon is developing a feature to synthesize a person's voice through short audio clips to put in deceased relatives into your Amazon Echo? Average U.S internet household uses a record average of 6 over-the-top streaming services. What equipment should I get to start doing video livestreams? Sam Abuelsamid and the Ford Driving Dynamic Lab. YouTube TV & managing locations. A Windows 10 update is causing issues with Adobe Premiere. Is it worth updating to Windows 11 from Windows 10 currently? What can a caller do to verify a Yahoo email account through a phone number they no longer use? Chris Marquardt and used film cameras. Should you have an ethernet connection for streaming video content, or is WiFi sufficient enough? Suggested email services for easy use. Is there a hazard to accepting a plethora of random Facebook friend requests? Rod Pyle and the Jovian Vortex Hunter program & the 5-planet planetary alignment! Dick DeBartolo and the Kodak Reelz Digitizer Converter. Host: Leo Laporte Guests: Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit Show notes and links for this episode are available at: https://twit.tv/shows/the-tech-guy/episodes/1906 Download or subscribe to this show at: https://twit.tv/shows/all-twittv-shows Sponsors: wealthfront.com/techguy cachefly.com

What equipment should I start with to do live video streams? Is it a problem if someone is using my YouTube TV service (knowingly) in a different location constantly? Issues with Adobe Premiere after a Windows 10 update and what could be causing that problem. How to verify an email account with an old phone number? WiFi or ethernet connection for streaming video content? Is there any potential problem accepting random friend requests on Facebook? Plus, conversations with Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo on a rare Sunday appearance. Netflix to add a lower-cost ad-supported tier. Amazon is developing a feature to synthesize a person's voice through short audio clips to put in deceased relatives into your Amazon Echo? Average U.S internet household uses a record average of 6 over-the-top streaming services. What equipment should I get to start doing video livestreams? Sam Abuelsamid and the Ford Driving Dynamic Lab. YouTube TV & managing locations. A Windows 10 update is causing issues with Adobe Premiere. Is it worth updating to Windows 11 from Windows 10 currently? What can a caller do to verify a Yahoo email account through a phone number they no longer use? Chris Marquardt and used film cameras. Should you have an ethernet connection for streaming video content, or is WiFi sufficient enough? Suggested email services for easy use. Is there a hazard to accepting a plethora of random Facebook friend requests? Rod Pyle and the Jovian Vortex Hunter program & the 5-planet planetary alignment! Dick DeBartolo and the Kodak Reelz Digitizer Converter. Host: Leo Laporte Guests: Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit Show notes and links for this episode are available at: https://twit.tv/shows/the-tech-guy/episodes/1906 Download or subscribe to this show at: https://twit.tv/shows/radio-leo Sponsors: wealthfront.com/techguy cachefly.com

What equipment should I start with to do live video streams? Is it a problem if someone is using my YouTube TV service (knowingly) in a different location constantly? Issues with Adobe Premiere after a Windows 10 update and what could be causing that problem. How to verify an email account with an old phone number? WiFi or ethernet connection for streaming video content? Is there any potential problem accepting random friend requests on Facebook? Plus, conversations with Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo on a rare Sunday appearance. Netflix to add a lower-cost ad-supported tier. Amazon is developing a feature to synthesize a person's voice through short audio clips to put in deceased relatives into your Amazon Echo? Average U.S internet household uses a record average of 6 over-the-top streaming services. What equipment should I get to start doing video livestreams? Sam Abuelsamid and the Ford Driving Dynamic Lab. YouTube TV & managing locations. A Windows 10 update is causing issues with Adobe Premiere. Is it worth updating to Windows 11 from Windows 10 currently? What can a caller do to verify a Yahoo email account through a phone number they no longer use? Chris Marquardt and used film cameras. Should you have an ethernet connection for streaming video content, or is WiFi sufficient enough? Suggested email services for easy use. Is there a hazard to accepting a plethora of random Facebook friend requests? Rod Pyle and the Jovian Vortex Hunter program & the 5-planet planetary alignment! Dick DeBartolo and the Kodak Reelz Digitizer Converter. Host: Leo Laporte Guests: Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit Show notes and links for this episode are available at: https://twit.tv/shows/the-tech-guy/episodes/1906 Download or subscribe to this show at: https://twit.tv/shows/the-tech-guy Sponsors: wealthfront.com/techguy cachefly.com

What equipment should I start with to do live video streams? Is it a problem if someone is using my YouTube TV service (knowingly) in a different location constantly? Issues with Adobe Premiere after a Windows 10 update and what could be causing that problem. How to verify an email account with an old phone number? WiFi or ethernet connection for streaming video content? Is there any potential problem accepting random friend requests on Facebook? Plus, conversations with Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo on a rare Sunday appearance. Netflix to add a lower-cost ad-supported tier. Amazon is developing a feature to synthesize a person's voice through short audio clips to put in deceased relatives into your Amazon Echo? Average U.S internet household uses a record average of 6 over-the-top streaming services. What equipment should I get to start doing video livestreams? Sam Abuelsamid and the Ford Driving Dynamic Lab. YouTube TV & managing locations. A Windows 10 update is causing issues with Adobe Premiere. Is it worth updating to Windows 11 from Windows 10 currently? What can a caller do to verify a Yahoo email account through a phone number they no longer use? Chris Marquardt and used film cameras. Should you have an ethernet connection for streaming video content, or is WiFi sufficient enough? Suggested email services for easy use. Is there a hazard to accepting a plethora of random Facebook friend requests? Rod Pyle and the Jovian Vortex Hunter program & the 5-planet planetary alignment! Dick DeBartolo and the Kodak Reelz Digitizer Converter. Host: Leo Laporte Guests: Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit Show notes and links for this episode are available at: https://twit.tv/shows/the-tech-guy/episodes/1906 Download or subscribe to this show at: https://twit.tv/shows/all-twittv-shows Sponsors: wealthfront.com/techguy cachefly.com

What equipment should I start with to do live video streams? Is it a problem if someone is using my YouTube TV service (knowingly) in a different location constantly? Issues with Adobe Premiere after a Windows 10 update and what could be causing that problem. How to verify an email account with an old phone number? WiFi or ethernet connection for streaming video content? Is there any potential problem accepting random friend requests on Facebook? Plus, conversations with Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo on a rare Sunday appearance. Netflix to add a lower-cost ad-supported tier. Amazon is developing a feature to synthesize a person's voice through short audio clips to put in deceased relatives into your Amazon Echo? Average U.S internet household uses a record average of 6 over-the-top streaming services. What equipment should I get to start doing video livestreams? Sam Abuelsamid and the Ford Driving Dynamic Lab. YouTube TV & managing locations. A Windows 10 update is causing issues with Adobe Premiere. Is it worth updating to Windows 11 from Windows 10 currently? What can a caller do to verify a Yahoo email account through a phone number they no longer use? Chris Marquardt and used film cameras. Should you have an ethernet connection for streaming video content, or is WiFi sufficient enough? Suggested email services for easy use. Is there a hazard to accepting a plethora of random Facebook friend requests? Rod Pyle and the Jovian Vortex Hunter program & the 5-planet planetary alignment! Dick DeBartolo and the Kodak Reelz Digitizer Converter. Host: Leo Laporte Guests: Sam Abuelsamid, Chris Marquardt, Rod Pyle, and Dick DeBartolo Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit Show notes and links for this episode are available at: https://twit.tv/shows/the-tech-guy/episodes/1906 Download or subscribe to this show at: https://twit.tv/shows/radio-leo Sponsors: wealthfront.com/techguy cachefly.com

Included in this episode: 1. Thousands Rally for Gun Reform After Surge in Mass Shootings 2. Average U.S. Gas Price Hits $5 Per Gallon for First Time 3. How Andrew Jackson Lost a Presidential Election and Wound up in the White House .

NEW YORK (AP) — The nationwide average price for a gallon of gasoline has topped $5 for the first time ever. Auto club AAA said…

1. Jan. 6 Panel Holds First Prime-time Hearing 2. Biden Promotes Plans at Summit of Americas 3. Migrant Caravan Grapples to Claim Visa Offers 4. U.S. And Chinese Defense Chiefs Meet 5. Tight Races in Alaska Top-four Primary 6. MI Voters Sue Sec. Of State Over ‘Zuckbucks' 7. Scotus Rules Counting Can Proceed in PA 8. Gunman Kills Co-workers at Maryland Factory 9. NTSB to Probe Hawaii Chopper Crash That Injured 6 10. US Military Eases Restrictions on HIV+ Members 11. Missing Woman Found After More Than 40 Years 12. Rpt: Canceling $50k Student Loan Debt Helps 30m Americans to Be Free of Student Debt 13. Poll: 3 Out of 4 Veterans Oppose Biden's Plan 14. Cuban Americans Against Radio Takeover 15. Average U.S. Gas Prices Nearing $5

Gas Price 15 cents Intro and Wrap

President Joe Biden is furious that Americans blame inflation on his government spending. Average U.S. gas price spikes to $4.43. That's a 79-cent jump over the last two weeks. See omnystudio.com/listener for privacy information.

Florida Ag Commissioner Fried announces John L. Hundley 2022 Florida Ag Hall of Fame inductee, and Average U.S. Gas Price is down slightly.

James Sherk, Former Domestic Policy Advisor to Trump and Director of the Center for American Freedom at the America First Policy Institute, discusses Sen. Sanders ‘PRO Act' and the consequences that it will have on working-class Americans. The legislation would essentially give Unions the power over the workers it represents. He goes on to explain the already apparent disconnect between Unions and its' workers is due to the “union Leadership adopting values of progressive elites”, which is incompatible with the average working-class American worker.Also! Ben Weingarten discusses RealClearPolitics new database designed to give a side-by-side comparison of unfiltered political violence statistics in the United States, allowing the American people to decide what they deem to be worthy of investigation.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You may live in a free country, but are you living as free and "UnCommie" as possible? This episode is taking a break from the usual critique on China's nefarious actions across the globe, and is the first of a series of the UnCommie Manifesto! Listen to learn how to live a freer life. Articles referenced or researched in this episode: - Zero Interest Loans: Why You Should Beware https://www.investopedia.com/articles/personal-finance/081216/zero-interest-loans-why-you-should-beware.asp - Average U.S. Credit Card Debt Statistics https://www.thebalance.com/average-credit-card-debt-u-s-statistics-3305919 UnCommie Good of this Episode: Nordic Ware Cooking equipment: Link to their iconic Bundt Cake Pan (affiliate) : https://amzn.to/3mqLwb2 --- Send in a voice message: https://anchor.fm/lars207/message

Average U.S. 30-year mortgage rate rises from all-time low https://www.housingwire.com/articles/average-u-s-30-year-mortgage-rate-rises-from-all-time-low/ Mortgage lending volume in 2020 likely to break records https://www.housingwire.com/articles/mortgage-lending-volume-in-2020-likely-to-break-records/ Builder confidence reaches 35-year high in September https://www.housingwire.com/articles/builder-confidence-reaches-35-year-high-in-september/ How many homes did iBuyers purchase in Q2? https://www.housingwire.com/articles/how-many-homes-did-ibuyers-purchase-in-q2/ Facebook will buy REI's unused Bellevue headquarters complex, signaling offices are still relevant https://www.seattletimes.com/business/real-estate/facebook-will-buy-former-rei-headquarters-in-bellevue/ JPMorgan's WFH model changed worker productivity—especially on two days of the week https://fortune.com/2020/09/14/jpmorgan-work-from-home-wfh-worker-productivity/ Latest Market Data for all counties in the Bay Area https://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing ( https://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?fbclid=IwAR0Ngy8wJ3Y0QsFHPFFGxO2w_aYq28gvOaYttdFGtnjHn3P6Ygsd9cb8xl0&usp=sharing ) -- Want to talk about your real estate goals? Find a time on my calendar! Looking for a real estate agent in your city? I have a network of top producing agents around the country. Email me and I can put you in contact with an agent in your area. Spencer@SpencerHsu.com

Every week, I go over news that can affect Bay Area Real Estate. I look into news and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything! New fee of 0.5% on mortgage refinances https://www.housingwire.com/articles/new-fee-on-mortgage-refinances-could-cost-homeowners-1400/ UWM announces 1.99% rate for 30 year fixed rate mortgage https://www.housingwire.com/articles/uwm-announces-1-99-rate-for-30-year-fixed-mortgage/ Average U.S. mortgage rates rise from record low https://www.housingwire.com/articles/average-u-s-mortgage-rates-rise-from-record-low/ Mortgage applications up 6.8% https://www.housingwire.com/articles/mortgage-applications-are-up-6-8-with-refinance-activity-leading-the-way/ When it comes to home sales, August is the new May, keeping agents busy into the fall https://www.housingwire.com/articles/for-home-sales-august-is-the-new-may-keeping-agents-busy-into-the-fall/ Latest Market Data for all counties in the Bay Area https://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing -- Want to talk about your real estate goals? Find a time on my calendar! Looking for a real estate agent in your city? I have a network of top producing agents around the country. Email me and I can put you in contact with an agent in your area. Spencer@SpencerHsu.com

In today's Daily Download episode, HousingWire covers Freddie Mac's weekly Primary Mortgage Market Survey that shows mortgage rates have now fallen below 3% for the first time ever.For some background on the story, here's a summary of the article: The average mortgage rate fell to 2.98% this week, breaking the 3% threshold for the first time, as investors concerned about a resurgence of the COVID-19 pandemic fled to the safety of the bond markets and the Federal Reserve continued to scoop up securities backed by home loans.The average rate for a 30-year fixed mortgage fell to the lowest in almost five decades of data, down from 3.03% last week, Freddie Mac said in a statement Thursday. The average 15-year rate fell to 2.48%, the lowest in a data series going back almost 30 years, according to the mortgage financier. Mortgage rates have hit a series of new lows in recent weeks as investors poured money into U.S.-dollar-denominated bonds – mainly Treasuries and mortgage-backed securities. Money managers are reacting to a stream of bad news about the coronavirus pandemic, with some of the nation's biggest states setting records for new infections this week.The Federal Reserve has continued to support the mortgage markets by purchasing about $4.5 billion a day of securities containing home loans packaged by Fannie Mae, Freddie Mac and Ginnie Mae.Following the main story, HousingWire covers a report from Buildfax that claims June's construction activity experienced the greatest annual decline since 2015 and data from Clever that indicates 34% more homes sold within two weeks in June this year.The Daily Download examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd.HousingWire articles covered in this episode:Average U.S. mortgage rate falls below 3% for the first timeJune's new construction activity sees greatest year-over-year decline since 201534% more homes sold within two weeks in June this year 

Join Laura Hutchison, a Practice Management Consultant at Russell Investments and Ryan Dooyema, a Regional Director at Russell Investments in Wisconsin, as they explore the value advisors can offer.Disclosure:US equity defined by the S & P 500 Index. International investing is defined by the MSCI EAFE Index and Emerging markets is defined by the MSCI EM Index as of June 27th, 2019.U.S. Equity funds discussed in the tax section are comprised of the Morningstar broad category ‘US Equity (large/mid/small/ V/B/G) which includes mutual funds and ETFs (and multiple share classes). Average U.S. equity fund distribution: Capital Gains/Share (% of NAV) based on Morningstar U.S. OE Mutual Funds and ETFs. % = Calendar Year Cap Gain Distributions / Year-End NAV. Distribution is assumed to be made at last day of year and reinvested. Tax rate is 23.8% (Max LT Cap Gain 20% + Net Investment Income 3.8%).Interviews were recorded as of the date mentioned in the podcast, these views are subject to change at any time without notice based upon market or other conditions and are current as of that date. It is made available on an "as is" basis. Russell Investments and Russell Investments Canada Limited does not make any warranty or representation regarding the information. While all material is deemed to be reliable, accuracy and completeness cannot be guaranteed.This is not an offer, solicitation or recommendation to purchase any security or the services of any organization.Investing in capital markets involves risk, principal loss is possible. There is no guarantee the stated outcomes in the presentation will be met. The audio may contain forecasting or other forward-looking information, this information is inherently uncertain and may be incorrect.This is a presentation of Russell Investments and Russell Investments Canada Limited. Nothing in this presentation is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The contents of this presentation are intended for general information purposes only and should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional concerning your own situation and any specific investment questions you may have.This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investments.Russell Investments is the operating name of a group of companies under common management, including Russell Investments Canada Limited.Russell Investments' ownership is composed of a majority stake held by funds managed by TA Associates with minority stakes held by funds managed by Reverence Capital Partners and Russell Investments' management.Frank Russell Company is the owner of the Russell trademarks contained in this material and all trademark rights related to the Russell trademarks, which the members of the Russell Investments group of companies are permitted to use under license from Frank Russell Company. The members of the Russell Investments group of companies are not affiliated in any manner with Frank Russell Company or any entity operating under the “FTSE RUSSELL” brand.CORP-11514Date of first use: August, 2019