Podcasts about barely

Barely a decade ago when TPUSA was born, the national debt was at $11 trillion. Now, it's erupted past $33 trillion. Can this ever possibly be paid back? What are the consequences if w don't. Charlie works through the math, and the touches the hottest of all hot buttons: What if fixing America's budget requires touching the holy grail of Social Security? It's a wild and provocative hour that produced a massive response from Charlie's audience, both for and against.Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

Today, we welcome to the show award-winning brand designer Moriah Riona! Moriah founded Moriah Riona Branding in 2015 where she specializes in luxury brand design and strategy. Her mission is to help ambitious women, emerging thought leaders, and online entrepreneurs alike—build exquisite end-to-end brand experiences that attract high-paying clients. We are diving into how you can exclusively book high-ticket clients by creating a luxury brand.Over the next 20 minutes, Mariah shares her journey, the importance of luxury branding, and how she transitioned from dabbling in different areas to exclusively booking high-ticket clients. If you've ever wondered what exactly a luxury brand is and how to find people who are willing to pay high prices, then this episode is for you.In today's episode, you'll hear:How to build a luxury brandThe need to build a reputation and experience to book high-ticket clients What branding elements do you need to be high-end What is luxury branding?Industries and niches that are more luxury-focused CONNECT WITH MORIAH:IG: @moriahrionaYT: https://youtube.com/moriahrionaWEBSITE: https://moriahriona.comFREEBIE: 5-Figure Clients—The Secret to Attracting High-Ticket Coaching Clients https://moriahriona.com/free-courseCONNECT WITH HOLLY:• ASK ME ANYTHING: www.hollymariehaynes.com/chat• JOIN THE CLUB: https://www.hollymariehaynes.com/club• WORK WITH HOLLY: www.hollymariehaynes.com/workwith me

Episode 495 is brought to you by... ⁠Pickup Music Guitar Giveaway⁠⁠ ⁠⁠⁠⁠⁠Stringjoy⁠⁠⁠⁠⁠ Use code: HUM to save 10% ⁠⁠⁠⁠⁠Chase Bliss Audio⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Support this channel on Patreon⁠⁠⁠⁠⁠ Want to send us mail? 60 Cycle Hum #615 9450 Mira Mesa Blvd. San Diego, CA 92126 The internet of people man, the internet of people. 00:00 Half off a SG 25:25 Saturn Steampunk (The American Astronaut) 37:45 Ryan finally sold his Les Paul. We both got pedals from friend of the show Ryan that were based on the DOD250. We also got cables from Rock It Music Gear 52:20 JHS Show and the NAMM CEO 58:16 Ryan tells a ridiculous dad joke 58:30 Giraffe Guitar This week's song was from Matthias from the band The Tsunamis and is called "Surf Satan" Check out their full EP ***************************** ⁠⁠⁠⁠60CH on Patreon⁠⁠⁠⁠ Buy Something with our affiliate links: ⁠⁠Buy a Shirt⁠⁠ ⁠⁠Sweetwater⁠⁠ ⁠⁠zZounds⁠⁠ ⁠⁠Thomann⁠⁠ ⁠⁠Amazon⁠⁠ ⁠⁠Perfect Circuit⁠⁠ ⁠⁠Ebay⁠⁠ ⁠⁠Reverb⁠⁠ ⁠⁠Tour Gear Designs Patch Cables⁠⁠ +++++++++++++++++++++ Social Media Stuff: ⁠⁠Facebook⁠⁠ ⁠⁠Discord⁠⁠ Instagram and Twitter @60cyclehum ⁠⁠TikTok⁠⁠ ⁠⁠Hire us for Demos and other marketing opportunities ⁠⁠ #60cyclehum #guitar #guitars #shameflute

At the beginning of the 90s, lesbians were a punchline for a male-gaze-oriented media, an easy target for expressing the anxiety that women might not need men after all. By the middle of the decade, women-loving-women had become the heroes of a number of neo-noir crime films, but the culture at large still rejected lesbianism when not intended to arouse men. While The Matrix has widely been reappraised as a trans allegory after the transitions of its directors the Wachowski sisters, their previous feature Bound was transparently queer, but its reception was complicated by the media's perception of its makers. Bound was released just a few months after the burial of an extremely similar film called Wild Side. Barely seen on its initial release amidst studio recutting and the suicide of its director, today Wild Side plays as a heartbreaking and troubling example of what could have been for its star Anne Heche, who would soon after become one-half of the most famous lesbian couple in Hollywood – and suffer the career consequences.  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The Eagles barely beat the New England Patriots in Week one. What does this mean for the Patriots and the 2023 season?

EPISODE ALERT Recapping your typical, toxic Week 1 Philadelphia Eagles victory! What should the concern level be regarding Brian Johnson's play-calling, Jalen Hurts as a passer, and the offensive line's protection? A look into the clutch performances from multiple defensive lineman to hold off New England! Support Us By Supporting Our Sponsors! Jase Medical Save more than $360 by getting these lifesaving antibiotics with Jase Medical plus an additional $20 off by using code LOCKEDON at checkout on jasemedical.com.  BetterHelp This podcast is brought to you by BetterHelp. If you're thinking of starting therapy, give BetterHelp a try. Visit BetterHelp.com/Lockedon today to get 10% off your first month. PrizePicks Go to PrizePicks.com/lockedonnfl and use code lockedonnfl for a first deposit match up to $100! Gametime Download the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase. Last minute tickets. Lowest Price. Guaranteed. eBay Motors For parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply. LinkedIn LinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply. FanDuel Make Every Moment More. Right now, NEW customers can bet FIVE DOLLARS and get TWO HUNDRED in BONUS BETS – GUARANTEED. Visit FanDuel.com/LOCKEDON to get started. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week Andrew talks with Los Angeles Chargers star running back Austin Ekeler. In 2021 & 2022, Austin led the NFL in total touchdowns and established himself as one of the NFL's top players. Despite his success, Austin's path has never been easy or assumed. Barely recruited out of high school, Austin played Division II college football for Western Colorado University. In 2017, the LA Chargers signed Austin as an undrafted free agent — and the rest is history. Off the field he launched the Austin Ekeler Foundation and is the founder of Eksperience, a new fan engagement platform.  Andrew & Austin sat down just days before the start of the 2023 NFL season to explore Austin's journey from undrafted free agent to one of the NFL's biggest stars. This conversation is filled with powerful lessons to help you make the most of every opportunity — personally & professionally.Show Highlights:(0:00) - Intro(3:05) - Childhood working on ranch(4:40) - Finding joy & appreciation in your job(5:08) - Growth mindset(6:10) - Youth football(8:26) - Building a 26 mile fence(9:10) - Influence of Austin's mother(12:33) - College experience(15:55) - Integrating passions & goals(19:31) - Differentiating yourself (21:20) - Leading NFL in touchdowns(21:40) - Continuous growth (24:01) - Optimizing small details(25:25) - Taking on diverse experiences(27:19) - Power of community & connection(31:57) - Austin's long-term vision ** Follow Andrew On Social Media **Twitter: @andrewhmosesInstagram: @AndrewMoses123Sign up for e-mails to keep up with Andrew's podcast at everybodypullsthetarp.com/newsletter

Following the life imprisonment sentence handed down in July, Lori Vallow Daybell's defense is not standing down. Her attorney, Jim Archibald, recently filed an appeal, imploring the Idaho Supreme Court to reevaluate her case, the guilty verdict, and the pronounced sentence. Lori Vallow Daybell was handed a life imprisonment verdict, without the possibility of parole, for the heinous act of killing her two children, 7-year-old Joshua “JJ” Vallow and 16-year-old Tylee Ryan. The charges further expanded to a conspiracy plot to murder Tammy Daybell, the previous wife of her fifth husband. Detailed in the notice of appeal presented on Thursday, Archibald delineated 16 significant issues he believes warrant the Supreme Court's attention: The pivotal question of whether District Judge Steven Boyce made an error in pronouncing Daybell fit for trial, despite her spending a considerable 10 months in a mental institution. The contentious decision of Judge Boyce to decline Archibald's appeal to send Daybell back to the mental institution for further evaluation, instead of proceeding to trial. Archibald also raises concerns about Daybell's constitutional rights to a speedy trial potentially being violated, particularly due to the prosecutor's numerous requests for postponements. Another point of contention is whether Judge Boyce erred in permitting the presentation of evidence from the ongoing Arizona case. This case concerns the alleged crimes surrounding the death of Charles Vallow, Daybell's fourth husband, and the purported attempted murder of Brandon Boudreaux, previously married into Daybell's family. The appeal also questions the discretion of Judge Boyce regarding Daybell's sentence—three consecutive life terms without parole. The court's decision ordering Daybell to pay a whopping $165,018 in fines and court charges, despite her evident indigence and dependence on public defense, is also under scrutiny. Furthermore, Archibald has tabled a request for the appointment of appellate public defenders to oversee the appeal segment of Daybell's case. It is customary for felony convictions, particularly those involving murder charges, to be appealed. Such appeals must be presented within 42 days of the sentencing. Preparations are now underway for the Supreme Court to receive a transcript of Daybell's trial. Archibald, being meticulous in his pursuit of justice for his client, is also in the process of acquiring transcripts from Daybell's previous competency evaluations, the preliminary hearings leading up to the trial, and the sentencing proceedings. However, this appellate process is notorious for its lengthy duration, often spanning several years. In the upcoming phase, the Idaho attorney general will assign a representative for the prosecution. This attorney, in tandem with the defense's appellate lawyer, will draft written briefs. It is also anticipated that both parties will present oral arguments before the state Supreme Court finalizes its judgment. There's a potential hiccup in Daybell's appellate case trajectory. The state of Arizona is gearing up to extradite her, pressing charges of conspiracy to commit Charles Vallow's murder and the alleged attempt on Brandon Boudreaux's life. Barely a month has passed since Daybell's confinement in the Pocatello Women's Correctional Center. Meanwhile, the trial of Chad Daybell, Lori's husband, is on the horizon, set to commence on April 1 in Ada County. While the wheels of justice are in motion, this case serves as a reminder of the intricate dance between the justice system, victims' rights, and the accused's rights. The outcome of this appeal, especially given its high-profile nature, will be closely watched by many across the state and the nation. Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Ca

Stuck. Fed up. Barely making it - maybe these words describe what's going on in your heart lately.  Not only do I understand, but God knows. What we're really saying is we need something in our lives to change. You don't need more motivation, discipline, or hours of Bible time, what you may need is to make a decision. In this episode, I'm sharing 3 questions that will help you determine why you are stuck, what you're afraid of, and what you believe about God to help you break free in Christ. Rooting for you, Jessica Free 3-Day Study Learn how to deal with your emotions in a biblical way. Get my 3-day study here! Taking the First Step Do you have a hard time accepting God's love and believing He is good to you and not just good to others?   Do you have a hard time forgiving those who hurt you?   Do you wrestle with anxiety, racing thoughts, burnout, and feeling like you are at the end of your rope?   Do you find yourself being in pain and stuck in the past?   Do you constantly question whether it's God's voice, the enemy, or your voice? If you answered yes to any of those questions, it's time to join me in my Spiritual Growth Mentorship.   Five weeks of your first necessary steps to invite God's presence into your pain! It's the mentorship you need with the accountability you didn't know you needed.   Learn how God's love can transform you from hurting to hopeful. Learn more at >> https://www.jessicahottle.com/heal Email me at >> jessica@jessicahottle.com

Following the life imprisonment sentence handed down in July, Lori Vallow Daybell's defense is not standing down. Her attorney, Jim Archibald, recently filed an appeal, imploring the Idaho Supreme Court to reevaluate her case, the guilty verdict, and the pronounced sentence. Lori Vallow Daybell was handed a life imprisonment verdict, without the possibility of parole, for the heinous act of killing her two children, 7-year-old Joshua “JJ” Vallow and 16-year-old Tylee Ryan. The charges further expanded to a conspiracy plot to murder Tammy Daybell, the previous wife of her fifth husband. Detailed in the notice of appeal presented on Thursday, Archibald delineated 16 significant issues he believes warrant the Supreme Court's attention: The pivotal question of whether District Judge Steven Boyce made an error in pronouncing Daybell fit for trial, despite her spending a considerable 10 months in a mental institution. The contentious decision of Judge Boyce to decline Archibald's appeal to send Daybell back to the mental institution for further evaluation, instead of proceeding to trial. Archibald also raises concerns about Daybell's constitutional rights to a speedy trial potentially being violated, particularly due to the prosecutor's numerous requests for postponements. Another point of contention is whether Judge Boyce erred in permitting the presentation of evidence from the ongoing Arizona case. This case concerns the alleged crimes surrounding the death of Charles Vallow, Daybell's fourth husband, and the purported attempted murder of Brandon Boudreaux, previously married into Daybell's family. The appeal also questions the discretion of Judge Boyce regarding Daybell's sentence—three consecutive life terms without parole. The court's decision ordering Daybell to pay a whopping $165,018 in fines and court charges, despite her evident indigence and dependence on public defense, is also under scrutiny. Furthermore, Archibald has tabled a request for the appointment of appellate public defenders to oversee the appeal segment of Daybell's case. It is customary for felony convictions, particularly those involving murder charges, to be appealed. Such appeals must be presented within 42 days of the sentencing. Preparations are now underway for the Supreme Court to receive a transcript of Daybell's trial. Archibald, being meticulous in his pursuit of justice for his client, is also in the process of acquiring transcripts from Daybell's previous competency evaluations, the preliminary hearings leading up to the trial, and the sentencing proceedings. However, this appellate process is notorious for its lengthy duration, often spanning several years. In the upcoming phase, the Idaho attorney general will assign a representative for the prosecution. This attorney, in tandem with the defense's appellate lawyer, will draft written briefs. It is also anticipated that both parties will present oral arguments before the state Supreme Court finalizes its judgment. There's a potential hiccup in Daybell's appellate case trajectory. The state of Arizona is gearing up to extradite her, pressing charges of conspiracy to commit Charles Vallow's murder and the alleged attempt on Brandon Boudreaux's life. Barely a month has passed since Daybell's confinement in the Pocatello Women's Correctional Center. Meanwhile, the trial of Chad Daybell, Lori's husband, is on the horizon, set to commence on April 1 in Ada County. While the wheels of justice are in motion, this case serves as a reminder of the intricate dance between the justice system, victims' rights, and the accused's rights. The outcome of this appeal, especially given its high-profile nature, will be closely watched by many across the state and the nation. Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Ca

Through 12 year-old Nat's perspective about synchronized swimming and life, Barely Floating offers several jumping-off points for rich conversations: body positivity, dealing with big emotions, activism, acceptance, and challenging societal "norms". Transcript here

talking about a cult I got caught up in and everything that has happened as a result of it https://www.afterthelastsalefoundation.com/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/theunbrokenpodcast924/message Support this podcast: https://podcasters.spotify.com/pod/show/theunbrokenpodcast924/support

Just so sick of this BS

Rod Rodriguez talks bidding farewell to Jack Murphy, the end of the season, and potentially the end of the show! ______ This episode is brought to you by Homes For Our Troops, a nonprofit helping build and donate homes to injured post 9/11 veterans. Visit HFOTUSA.org for more information. Now you can hear Military Matters Wednesdays at 5 p.m. ET and Sunday at noon ET on Wreaths Across America Radio available on the iHeart Radio, TuneIn and Audacy apps.  

Today you're going to hear about my client Jenny's experience inside Ditch Decade Diets Academy!! I am so beyond excited because she has truly come so far within these past few months.Jenny started dieting at the age of 14 and struggled with restricting herself & weighing her food which eventually turned into having daily binges. She mentioned that she has tried therapy and seeing a nutritionist but it wasn't until she came into the academy and got help from someone who has been through binge eating that really helped her feel understood and be provided with proper tools to rewire her brain.I hope this gives you so much hope and excitement as to what can happen for yourself & your relationship with food when you invest, get support & be surrounded by an incredible community of women who get you!!Ready to join Ditch Decade Diets Academy and get PERSONALIZED coaching and high level support to heal your relationship with food & stop binge eating? Learn more HERE!! CONNECT WITH LORNA:---> Instagram @lorna_bingeeatingcoach---> Tiktok @lorna_bingeeatingcoach---> Join my signature group coaching program, Ditch Decade Diets Academy & end binge eating for GOOD!---> DOWNLOAD FREE GUIDE: Top 3 Tips To Stop Binge Eating---> Join my private Facebook group Ditch The Diet & End Binge Eating Support Group. I do LIVE trainings every week and it's a great place to surround yourself with other women who also are ready for food freedom!

Barely two weeks ago, a scathing auditor general's report sent shockwaves through Ontario's political class—detailing how acres of greenbelt land were to be handed over the developers who stand to make more than $8 billion from the move. Since then...things have only gotten stranger.We've seen the RCMP get involved, a chief of staff resign, both the Integrity Commissioner and Information and Privacy Commissioner the join the list of departments examining the scandal and a week-ending confrontational news conference from Premier Doug Ford. All this, and new stories surface every day. So what's at the bottom of this mess? And will it get even uglier before the end?GUEST: Emma McIntosh, Ontario reporter, The Narwhal

In this episode: BioWare is in trouble and it's EA's fault Metal Gear Solid fans got screwed... again Baldur's Gate 3 likes Xbox after all Is Armored Core VI: Fires of Rubicon any good? Gamescom 2023 roundup: Alan Wake II, Cyberpunk 2077: Phantom Liberty, Assassin's Creed: Mirage Instagram: @itscooldowntime X/Twitter: @itscooldowntime YouTube: @itscooldowntime Official Website: CooldownTime.com

Answering Your Health Questions – Making Wellness Simple | The Health Made Simple Show with Dr. Bart   Welcome to a special Q&A episode of The Health Made Simple Show, where we're all about breaking down the complexity of health and making wellness simple.   In this enlightening episode, Dr. Bart directly answers your burning questions and tackles common yet worrisome problems.   From understanding hunger patterns to finding clean foods on the go, Dr. Bart brings his expertise to solve some of the most pressing health concerns:  

Cubs win! Barely...and head to Pittsburgh. Learn more about your ad choices. Visit megaphone.fm/adchoices

Barely thirty minutes northeast of New Orleans, you'll find a thriving, world class culinary scene in Slidell, Louisiana. For over 20 years now, Duffy Ramirez has paved the fine dining path at Palmettos on the Bayou. Beginning with a century-old homestead, Duffy expanded and grew his restaurant from the original 40 seats to today's capacity for up to 400 without ever losing the intimate feel of Palmettos' original cottage. When executive chef Ross Dover took the reins in Palmettos' kitchen, the operation took a serious step up. We sat down in the restaurant's dining room for two conversations: first with Chef Ross and then with Duffy to learn more about the special spot along the bayou.

Patrick has returned from a great weekend in Atlantic City with Kevin Brennan. Bob Levy, Ray DeVito, and several other guests and fans of the Misery Loves Company podcast. Barely 24 hours after the event, the tension between began to froth. Is Bob Levy a traitor? Is Shuli puppeteering the destruction of MLC to win the Captain Coffin all to himself? Will this drive a further wedge between Ray DeVito, his "boss" at The Shuli Network, and KB? Did Patrick trigger it all, or is something more sinister at play? Join the journey of discovery, exploring our feelings, and asking ourselves the important questions. ...

More homeless people have been created due to the housing supply crisis. Homelessness is up 11% since last year, per the WSJ. The opioid crisis, consumer inflation, and NIMBYism have contributed too. California has the most homelessness on both a total and per capita basis. States with higher housing costs have more homeless people. I share our poll results: “Should we pay to house the homeless?” Are you a NIMBY? We find out today. We can increase housing supply with rezoning, construction training, and lower mortgage rates. The cycle of investor emotions led to wild investing manias. It was tulip bulbs in the 1600s Netherlands and Beanie Babies in the 1990s United States.  I discuss exactly why “buy low, sell high” is more difficult than it sounds. Timestamps: The correlation between homelessness and the housing market [00:00:00] Discusses the relationship between the housing market and the increasing problem of homelessness in America. Investing manias and lessons from history [00:00:00] Explores the phenomenon of investing manias and the lessons that can be learned from historical examples. The tight inventory market conditions and potential solutions [00:04:56] Lawrence Yun, Chief Economist of the National Association of Realtors, discusses the tight housing market conditions and suggests tax incentives to increase housing supply. Timestamp 1 [00:10:32] Affordability of moving to different cities and the proposal of a tax incentive for real estate investors. Timestamp 2 [00:11:49] Discussion on the housing supply crisis, mortgage rates, and the homeless population in the US. Timestamp 3 [00:14:14] Increase in homelessness in America, reasons behind it, and the correlation between housing prices and homelessness rates. The impact of high density housing on quality of life and home value [00:21:12] Discussion on the potential negative effects of building high density housing near single family homes, including reduced home value, increased traffic and noise, and loss of nearby open space. Alternative solutions to increase housing supply and reduce homelessness [00:23:30] Exploration of alternative measures to address homelessness, such as trade training for the homeless and relaxing excessive safety requirements in home building. Giving real change to the homeless [00:25:50] Encouragement to give directly to homeless shelters or soup kitchens instead of giving small change to individuals on the street, with the concept of "give real change not small change" explained. Note: The timestamps provided are approximate and may vary slightly depending on the podcast episode. The Origins of Tulip Mania [00:31:37] Tulips were introduced to Europe in the 1500s and became a luxury item for the affluent. The cultivation of tulips locally in the Netherlands led to a flourishing business sector. The Tulip Bubble [00:32:55] By 1634, tulip mania had swept through the Netherlands, with the demand for tulip bulbs exceeding supply. Prices reached exorbitant levels, and futures contracts were being bought and sold. Lessons from Tulip Mania [00:37:53] Tulip mania serves as a model for financial bubbles, with similar cycles observed in other speculative assets like beanie babies, baseball cards, NFTs, and stocks. It highlights the dangers of excess, greed, and speculation without tangible value. The cycle of investor emotions [00:44:32] Explanation of the different stages of investor emotions, from optimism to panic, in relation to stock market investing. The peak of the stock market [00:46:43] Discussion on the peak of the stock market being the point of maximum financial risk and the difficulty of selling at the right time. Real estate as a stable investment [00:51:56] Comparison of real estate investment to speculative bubbles, highlighting the stability and income stream provided by real estate. Explains how the integration of HOA (Homeowners Association) helps maintain uniformity and cleanliness in the rental property investing world. Details about the upcoming real estate event [00:38:31] Promotion of a live event where listeners can learn about new construction fourplexes and have their questions answered in real time. Resources mentioned: Show Notes: www.GetRichEducation.com/463 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   Complete episode transcript:   Welcome to Get Rich Education. I'm your host, Keith Weinhold. America's homeless problem has become FRIGHTENING. I describe how that correlates… with the housing market.  Then, investing MANIAS. What drives people to spend more for one tulip flower bulb than they would for an entire luxury home?    And lessons you can learn that'll benefit you the rest of your life from other manias throughout history. All today, on Get Rich Education.   ___________   Welcome to GRE! From Seaford, DE to Carmel-by-the-Sea, CA and across 188 nations worldwide, you're listening to one of America's longest-running and most listened to shows on real estate investing. Along with plenty of ongoing hot takes on wealth mindset and the real estate economy.    I'm your host, Keith Weinhold.    See, the crash in the SUPPLY of available American homes is bad and it isn't just creating more upward prices, it's a contributor to homelessness.    Let's talk about some of the drivers of homelessness, understand the problem a little more, how many homeless people ARE there in America, and then… what can we do about it?   As you'll soon see, one prominent real estate industry influencer actually suggests that you actually SELL your rental single family homes in order to help serve the homeless. More on that shortly.    Also, I have the results from a GRE Instagram Poll. The poll question is: “Should we pay to HOUSE the homeless?”    And the answers that you - the GRE listeners gave… actually surprised me. I'll give you those super-interesting poll results later, because I have more to explain there.   But first, what IS a homeless person? Let's define it. I think most anyone knows that since it's a person without a home, it's thought of as living on the street.   Really, then, that person might not be homeless but “houseless” in a literal sense. Even if they live in a tent under a bridge, that is then, their home. Though it might be INADEQUATE housing.   More accurately, the unsheltered or undersheltered population could be more apropos.     Then there's vagrancy. A vagrant is defined as a person without a settled home OR regular work… who wanders from place to place and lives by begging.   So vagrants are PART of the homeless population then. This all helps DEFINE what we're discussing.   Now, the lack of available American housing supply - especially the affordable segment - is OBVIOUSLY a big contributor to homelessness.   For example, anymore, how many builders even construct a new-build entry-level home for $200 or 250K? Practically nobody… anywhere.   And just how bad is the supply problem now? Well, the NAR has been tracking housing supply since 1982 and it just hit its lowest level ever this summer - EVER - and that's in 40+ years of tracking.    That's one reason why just last week, it was announced that Warren Buffett is making a big bet on housing by investing in homebuilders.   Now to keep consistent with the same stats I've been reporting to you for you, to update that, again 1-and-a-half million available homes is the baseline supply. That's the long-term “normal” per the FRED Active listing count.   And through last month, it's still under 650,000. That is STILL a housing SUPPLY crash of 57% from its peak of 1 ½ million.   I want you & I to listen to this upcoming piece together. This recent interview with NAR Chief Economist Lawrence Yun is from the 8th of this month.   Yes, HE is the one that basically wants you to sell your SF rental properties. And he makes his case for an inducement to get you to do this. (Ha!)   He's not proposing anything COMPLETELY ludicrous. It's REALLY interesting. Listen closely for that.   This about 5 minutes in length and there's a lot of material here within this clip - a nutrient dense piece, so I've got SO much to say about this when I come back to comment.    [Yun clip]    Yeah, the NAR Chief Economist there talking about how, much like I have for years, great opportunity is in the Midwest and Southeastern parts of the US.    With this greater ability for people to work from anywhere, when people move in from the pricy coasts, it's sooo affordable to them.   Moving from Manhattan to Cincinnati feels incredibly affordable.  Moving from San Francisco to St. Louis feels like you've upgraded from serfdom to a kingdom. Moving from Boston to Jacksonville feels like a total life makeover.   That's why, here at GRE, we're focused on properties in those INbound destinations.    Before I continue, especially for those outside the US, I know that it seems a little odd that Ohio and Indiana are in what we call the Midwest when they're actually in the northeastern quadrant of the nation.   But the fact that they ARE midwestern states is rooted in history and in cultural tradition.   So, getting back some new angles on the housing supply crisis.   Lawrence Yun proposed that a tax incentive be introduced to unleash the inventory of SF rentals from individual REIs.    And says that there are over 20 million single-family housing units that are rented out.    If we reduced or canceled the capital gains tax & just got 1% of that inventory on the market, he states that that would help.   Well, yeah, but even that then would only put about 200,000 units of the market - and they'd get snatched up so fast.   Now, if mortgage rates come down to say, 5%, it would unleash both housing demand AND supply.    Both - like Lawrence Yun says. So it's not apparent that that would help this shortage, if both demand and supply go up.   In a nation of about one-third of a BILLION people now - that's how I like to express it this year - America now has one-third of a billion people… also known as 333 million - how many do you think are classified as homeless?   As you think about that - as you think about how many of America's 333 million Americans are homeless, this homeless population figure that I'm about to share with you is from HUD and it's through last year, so it's their latest year-end figure.    And I'll tell ya, it's hard to believe this number. The Department of Housing and Urban Development states that about 582,000 Americans are experiencing homelessness.   Now, how HUD does this is that their number is a snapshot of the homeless population as of a single night at the end of January each year.    The total number of people who experience homelessness for SOME PERIOD each year will be higher than that.   I just did the math and then that means that just 1 in every 572 Americans are homeless. C'mon. Do you believe that? Only one in every 572 Americans are homeless?   I might believe that it's something like more than 1 in 200. What are your thoughts?   Even HUD would probably concede that there are shortcomings in that stat and that it's only a starting point.   And over the last decade, according to HUD, the homeless population is little changed… apparently until just this past year.   Homelessness is surging in America. The number of people experiencing homelessness in the US has increased 11% so far this year over 2022. That would be the biggest jump by far in equivalent government records beginning in 2007.   Now this 11% homeless jump is according to a WSJ analysis of hundreds of smaller & local agencies.    Most  agencies say the alarming rise is because of the lack of affordable housing and rental units, and the ongoing opioid crisis.   Inflation is part of that affordable housing problem. Inflation widens the disparity between the haves and have-nots.   To cut some slack to census-type of surveying, homelessness can be hard to measure. Some live on skid row, some live in the woods, some homeless people live in their cars.    Some aren't interested in being counted. Others are essentially invisible. I mean, if someone's between jobs and needs to couch surf at their aunt and uncle's place for three months, are they homeless or not? So, to be sure, there's a lot of leeway in those numbers.   One in 572 as homeless - that should just be a minimum - a starting point in my opinion.   Now, homelessness broken down by STATE is really interesting.   California at 171,000, has the most of any state, more than double of next-most New York, and then Florida is third.   But let's break that down by rate - on a per capita basis. So… think of this as the highest CONCENTRATION of homeless:   Washington DC has 65 homeless per 10,000 people. That's not really a state though, so…   #1 on a per capita basis is STILL California, with 44 per 10,000. So California leads in the nation in homeless on both bases then - both absolute and relative.   The second highest rate is Vermont.  Third Oregon Fourth Hawaii Fifth is New York And then numbers 6 through 10 on the most homeless per capita are Washington, Maine, Alaska, Nevada, and Delaware.   Now, strictly anecdotally. You've probably seen just what I've seen in the last year-plus - more visible homeless people in your city and other cities.   The state with the FEWEST homeless of all 50 states is Mississippi - and see, housing is quite affordable there. MS is one of the most affordable states for housing.    There is at least SOME correlation between your cost of housing and homelessness.   Recently on our Instagram page, and the handle there is easy to remember - it's @getricheducation - if you want to participate in future polls, we ran a poll on homelessness.   Here is the poll question that we ran - and I'd like you to think about your answer to this too.   “Should we pay to house the homeless?”    That's the question.    And in polling, the way that the question is phrased, of course, can skew your answer.    See, if instead, we phrased it as, “Should the government house the homeless?” you might have more ‘yes' answers - even though it's the same question - because you FUND the government.    But the question as we phrased it: “Should we pay to house the homeless?” - it also showed a photo of vagrants on a street curb under the question.   Here we the results, which surprised me, to:  Should we pay to house the homeless?   Those answering “Yes” were just 6% The no's were 45% But we also had a third option: “It's complicated”. 48% answered with that option.   So again, just 6% of you said we should pay to house the homeless and 45% said “no”. “48% said it's complicated”.   In a way, that makes sense to me since we have a largely entrepreneurial, self-made type of audience. I thought that might have happened.   But what surprised me is in how emphatic it was. It was a landslide. 7 to 8 TIMES as many of you said we should not pay for the homeless as those that said we should.   Well, the reason that I added - and I'm the one that ran the poll myself - they're quick to do. I added the paying to house the homeless “It's complicated” option because it IS complicated… that WAS the most popular answer.   I mean, why should you go to work and pay to house a stranger that has no income because he or she doesn't want to work?   But what if they're disabled and they can kinda work but not really work… or a zillion other complications.    Substance abuse is obviously a big problem that keeps homeless people homeless… and there's a substantial thought paradigm that says, if they're an abuser, then why would I pay for THEIR housing?   Substance abuse is just one reason that there is a population that's VOLUNTARILY homeless. They don't want to have to comply with a group home's ban on substances.    I wanted to address the homeless problem somewhat today, because here we are on Episode 463 of a real estate show and this is the most that we've even discussed it.   I think the perspective it gives you is that it helps you be grateful for what you've got.    But it's abundance mentality here. You can be grateful for what you have and at the same time, grow your means.   What else would help with more housing supply which would also move us toward mitigating the homeless problem?   Well, we've already discussed a number of them so I'll only go in depth with some fresh angles here.   Obviously, more homebuilding. We've done episodes on how 3D printed homes and shipping container homes are not quick, easy answers. Tiny homes might be but then you could get into a zoning density problem again.   Just last week, my assistant brought me this Marketwatch article that reported that the average American home size is shrinking just a little & that often times, new-build houses tend to be a little closer together.   That's what gets us into relaxing zoning requirements. But you know something, OK, this is going to be interesting.    This plays into NIMBYism. Not In My Backyard: communities saying that they don't want high-density housing built next to them.    Now, I think that there are a lot of critics of NIMBYism. But the criticism comes from people that live far out of that area and aren't affected.   Let me just play a fun little experiment with you here. Let me paint a picture of a fictitious life for you and just… place yourself there.   Say that you live in a nice single-family home, with a quarter acre lot. It's not a sprawling estate but you've got a good measure of privacy that way.   You're in a SFH, quarter-acre lot and two car garage. That is classic suburbia.   And… just a hundred yards away from your home there's a big, wide-open field where you walk your dog and use as a little makeshift golf driving range or whatever. Nice open space nearby.   Say you've got a fairly idyllic life here. It's always been this way since you bought the home years ago.   Suddenly, in your neighborhood of all SFHs, you learn that they want to build a bunch of fourplexes in the nearby lot where you used to throw tennis balls to your dog.   What can that do to your quality of life & your home's value, now that a bunch of new fourplexes and eightplexes were built nearby?   It reduces your home's value because there are less valuable, high density properties nearby.   It also increases the amount of traffic & even noise in your neighborhood. Now you can't use that nearby park anymore - it's been all-built up with these higher-density apartments.   So, let me go back and ask - point blank - did you really want all those new high-density developments near your home?   If that made you uncomfortable, that's NIMBYism. So it's quite natural to evoke that feeling type. You're just a human being.   How else can we increase housing supply to help reduce homelessness?   NOT with rent control. Over time, capping the amount of rent that a LL can charge gives property owners no incentive to improve their property and neighborhoods end up dilapidated.   We need more training for tradesman and laborers. How about training the homeless for that? But then someone's got to pay for that training.   Another measure that's become ridiculous is that we've gotta relax these excessive safety requirements in homebuilding. Now, some safety is good.   But when every single home - entry-level and all needs to have fire-rated shingles and fired-rated doors and GFCI outlets and smoke detectors in every room and carbon monoxide detectors all over the place, sheesh! Well, that raises the cost of housing for everyone.   In some earthquake-prone areas, you've got to have seismic restraining straps on your water heater or you can't even sell your home. Do you know how big of an earthquake it would take to damage your water heater like that?   And an excessive safety PROPONENT might say, yeah, but did you hear about that one family that died ten years ago that would have lived if they had carbon monoxide detectors?   Well, the counterargument to that is, yeah, but what about all the homeless people that were exposed to the elements and died in the cold because they couldn't AFFORD the more basic housing, the prices of which have escalated for all this excessive safety stuff.   Are you saying a middle class person's life is worth more than a poor, homeless person's life? That's the counterargument.    Again, some safety is good. But we've gone overboard in too many places - in housing & beyond.   Rising housing costs keep people homeless. A few weeks ago, I did that episode about escalating insurance costs.   I now own some properties that have extremely low mortgage rates and the insurance has gone up to the point where I pay more in monthly escrow expenses than I do principal & interest.    But, hey. I'm not homeless, and if you're listening to this, neither are you.   So when it comes to helping the homeless in the short-term, that campaign called, “Give real change, not small change.” - that really resonates with me.   Don't give 5 bucks to a vagrant on the corner. That just keeps them showing up at that corner, plus they're going to spend your 5 bucks on a cheap bottle of Monarch vodka.   Instead, if you're going to give, give to a homeless shelter or soup kitchen.    That's what's meant by “Give real change, not small change.” And that's something actionable.   Coming up next, investing MANIAS. How wild it gets - paying more for a tulip flower than a SFH, shooting and killing someone over a Beanie Baby toy… and then I'm going to wrap it all up with what all this has to do with the cycle of your investor emotions.   Around here, we don't run ads for the Swiffer. This week's sponsors that support the show are people that I've personally done real estate business with myself and have benefited from.    Ridge Lending Group specializes in INVESTMENT property loans in nearly all 50 states. Start your prequalification at: RidgeLendingGroup.com    Then, for super-passive real estate returns, check out Freedom Family Investments. Right now, what you can do, is just text “FAMILY” to 66866.   I'm Keith Weinhold. You're listening to Get Rich Education. ___________ Welcome back to the GRE Podcast. I'm your host and my name is Keith Weinhold.    If you've got a friend or family member that you think would benefit from the knowledge drops here on the show, you can simply tell them to grab the free Get Rich Education mobile app.   That's a convenient option for listening every week for both iOS and Android.   Today's topics of homelessness and investing manias could very well bring a new audience here, so…    A little more about my backstory. I'm from PA but got my real estate comeuppance in Anchorage, Alaska of all places & grew out nationally & internationally from there. I had humble beginnings and wasn't born anywhere near wealthy. I had to figure out how to build it myself.   But see, if I were born wealthy, I wouldn't have learned how to build it, and then I wouldn't be of much help to you. Likewise, if you're building it yourself, you'll be able to help others too.   BTW, I was born in the same PA town as Taylor Swift.    Though she & I don't have much ELSE in common, I guess that she & I are both best-known for using a microphone.   Though I think that I'm about as likely to start using this microphone to sing into your ears like Taylor Swift does… as Taylor is to launch a real estate investing show.   For hundreds of years, the tulip has been one of the most-loved flowers in the Netherlands. It's an enduring icon - as synonymous with the country as clogs, windmills, bicycles, and cheese. The tulip has a long and storied history - including the infamous shortage in the 1600s known as “tulip mania”. If you're someone that has even a fleeting interest in investing, you should at least know what this is.   Tulips first appeared in Europe in the 1500s, arriving from the spice trading routes… and that lent this sense of exoticism to these imported flowers that looked like no other flower native to the continent. It's no surprise, then, that tulips became a luxury item destined for the gardens of the affluent.  According to The Library of Economics and Liberty, “it was deemed a proof of bad taste in any man of fortune to be without a collection of [tulips].” Hmmm. Well, following the affluent, the merchant MIDDLE classes of Dutch society sought to emulate their wealthier neighbors and also demanded tulips. So to start out with, it was purchased as a status symbol for the sole reason that it was expensive. But at the same time, tulips were known to be notoriously fragile, and would die without careful cultivation. In the early 1600s, professional cultivators of tulips began to refine techniques to grow and produce the flowers locally in the Netherlands. They established a flourishing business sector that persists to this day. By 1634, tulipmania swept through the Netherlands. The Library of Economics and Liberty writes, “The rage among the Dutch to possess tulip bulbs was so great that the ORDINARY INDUSTRY of the country was neglected, and the population, even to its lowest dregs, embarked in the tulip trade. Now, everyone's in - rich to poor. It's a little hard to say for sure how much people paid for tulips.  But Scottish journalist Charles Mackay, wrote an extremely popular 1841 book - you've probably heard of this book - it's called the Memoirs of Extraordinary Popular Delusions and the Madness of Crowds… It does give us some points of reference such that the best of tulips cost upwards of $1 million in today's money (but a lot of bulbs traded in the $50,000–$150,000 range).  By 1636, the demand for the tulip trade was so large that regular markets for their sale - like a little Dow Jones Industrial Average - got established on the Stock Exchange of Amsterdam, in Rotterdam, Haarlem, and other towns. It was at that time that PROFESSIONAL TRADERS got in on the action - that's all that some people do now - is trade tulips… and everybody appeared to be making money simply by possessing some of these rare bulbs.  Dutch speculators at the time spent incredible amounts of money on bulbs that only produced flowers for a Week—many companies were formed with the SOLE PURPOSE of trading tulips.  To everyone, at the time, it seemed that the price could only go up forever. Pretty soon, demand for tulips EXCEEDED THE AVAILABLE SUPPLY of tulips by so much that people were into buying futures contracts, basically saying, I'll pay you this much money TODAY for a tulip that you provide to me in 3 years. By the last 1630s, these futures contracts were like a crack that appeared in the price runup. Demand began to wane when people were just buying a token for a future tulip that hadn't even started growing yet.  People felt like they weren't buying anything tangible anymore. That's one factor that helped create an oversupply of tulips in the market and started depressing the prices. Supply caught up with - and exceeded - demand. A large part of this rapid decline was driven by the fact that people had purchased bulbs on credit, hoping to repay their loans when they sold their bulbs for a profit. But once prices started to drop, holders were forced to sell their bulbs at any price and to declare bankruptcy in the process. So people had begun buying tulips with leverage, using margined derivatives contracts to buy more than they could afford. But as quickly as the run-up began, confidence was dashed. By the end of 1637 is when prices began to fall and never recovered.   And the bubble burst. Buyers announced that they could not pay the high price previously agreed upon for bulbs, and that made the market fall apart.  While it wasn't actually a devastating occurrence for the entire nation's economy, it did undermine social expectations. The event destroyed relationships built on trust and people's willingness and ability to pay. It's been said that “the wealthiest merchants to the poorest chimney sweeps jumped into the tulip fray, buying bulbs at high prices and selling them for even more.” Well, this is what can happen - today it happens with financialization and nothing real backing up purchases. Tulipmania is a model for the general cycle of a financial bubble. That's what happened with Dutch tulips. Now, here in more recent times, similar cycles have been observed in the price of Beanie Babies, baseball cards - I got caught up in the baseball cards as a kid, owning more than 100,000 baseball cards at one time, also non-fungible tokens (NFTs), and shipping stocks.       The example of tulipmania is now used as a parable for other speculative assets, such as cryptocurrencies today or dotcom stocks from around the year 2000. So, when you hear someone likening an investment to a Dutch tulip bulb, now you'll know what they're talking about. It's a symbol of excess, greed, and FOMO. But there has been a good bit of more modern scholarship that tells you that tulip mania did indeed occur in the 1600s Netherlands. But that the tale has been exaggerated and it's something that the upper classes of society were mostly involved in. Now, that's the Dutch tulip bubble. But for a more modern-day parable about an investing mania, there's a new movie about the rise & fall of BEANIE BABIES that's on Apple TV+. These were little stuffed, plush toy animals that became more popular among adults than children. The rise and fall of Beanie Babies—toys that people mistakenly thought would make them rich. The movie is called “The Beanie Bubble”.  It's a MOSTLY TRUE account of the lovable toys' boom and bust in the '90s -  comparable to the meme stock frenzies that took place during the Covid-19 pandemic. These $5 pellet-stuffed plush toys had astronomical appreciation estimates: Stripes the Tiger, released in 1996, was predicted by collectors to surge from $5 to $1,000 by 2008.  Forecasts like these were so enticing that one dad invested his kids' college funds in Beanie Babies, thinking he'd resell them later for a hefty profit. At the height of the frenzy, people were ruining relationships and committing felonies to get their hands on some of these sacks of fuzz. Border officials confiscated more than 8,000 smuggled Beanie Babies at a US–Canada border crossing in 1998. A West Virginia man shot and killed a former coworker in 1999 after an argument partly about $150 worth of Beanie Babies. That same year, a divorcing couple couldn't agree on how to split up their collection, so the judge made them divvy up the toys in person, right on the courtroom floor. How did that all happen? Barely anyone cared about Beanie Babies when a company called Ty Inc. launched them in 1994. Stores only got lines out the door once the toy's creator, now-billionaire Ty Warner, began pulling strings to juice demand. Here's what Warner did. OK, so here's how you induce people into a speculative bubble. He refused to stock Beanie Babies at Toys R Us and Walmart. Instead he created an illusion of rarity by only selling them at small toy stores and independent shops. Even if you did find a retailer, every store's supply of Beanie Babies was limited to 36 of each animal, so inventory restocks drew a crowd. This, combined with Warner's decision to start “retiring” certain animals in 1995, created artificial scarcity and a mass panic to stock up on Beanie Babies.  Soon, an aggressive resale market was born, replete with magazines and blogs and even trade shows for these Beanie Babies. One woman's guide to the secondary Beanie Babies market got so popular that she was selling 650,000 copies per month and, on many days, she did two or three radio interviews before her kids woke up for school. Ty Inc. later gave her an award for boosting sales. At Peak Beanie mania, Ty Inc. and legions of speculators actually made hordes of money: The stuffed animals accounted for 6% of eBay's sitewide sales in 1997 and 10% in 1998. Beanies averaged a resale value of $30—six times their retail price—but rare ones, like the Princess Diana bear, went for hundreds or thousands of dollars (and now you can find one online for $15 bucks). Ty Inc. hit $1.4 billion in sales in 1998, which is what Mattel grossed in Barbie dolls in 1995. At the end of the year, Ty Warner gave all ~250 employees holiday bonuses equal to their annual salaries. But most regular people didn't sell their Beanie Babies at their peak price. And unfortunately for them, the hype subsided. Anticipating a drop in interest as more kids reached for Pokémon and Furbies, Ty Inc. announced it would stop making Beanie Babies at the end of 1999, and that poked a hole in collectors' this-will-never-not-be-popular mentality and that sent demand plummeting. There were no underlying fundamentals to Beanie Babies' value. That's all that I've got on that speculative craze.   So let's review how this happened with both speculative crazes - Dutch tulips and Beanie Babies: Investors lose track of rational expectations. Psychological biases lead to a massive upswing in the price of an asset or a sector. A positive-feedback cycle keeps inflating prices. And soon, investors realize that they are holding an irrationally-priced asset. Prices collapse due to a massive sell-off, and an overwhelming majority go bankrupt. Now, much stock market investing is based off of buy low and sell high mentality. And stock investors can get caught up in similar crazes.    But because many stocks are tied to productive companies, the stock investor deals with smaller bubbles. A lot of times, the stock price can double, triple, or even 10X even though that company is not even profitable. Buy low & sell high. Well, that sounds easy. But why is this harder to do than it sounds? It's called the cycle of investor emotions.   It starts here with… optimism. Because you HEAR about 10% stock returns or people making money with Dutch tulips or Beanie babies.    Let's say that you aren't fully invested in the stock market. But some friends are, and they're achieving small gains.   Then comes excitement. The market is now up some more. Hey, what's in motion tends to stay in motion.   More friends are telling you how much money they're "making".    You're soon experiencing a full-blown case of FOMO—Fear Of Missing Out.   The next stage is the Thrill you feel. So you jump into the stock market fully, rationalizing with something like, "Hey, I'm a momentum investor". Sounds pretty good, I guess.   Now that you're in, it actually feels fantastic to you for a short time. You figure that some days, you're making more from stocks than your job. Winning activates dopamine.    Dopamine is a brain chemical that's known as the “feel-good” hormone. It gives you a sense of pleasure. It also gives you the motivation to DO SOMETHING when you're feeling the pleasure.    So then, you add MORE shares… at an elevated price until you are FULLY invested. Now everyone is "making money", even your Uber driver.   The next stage is Euphoria - The peak! As you can see, this is the Point of Maximum Financial Risk.    OK, now, remember the simplicity of “buy low, sell high”?   Well then, savvy stock investors should now be SELLING here in my example - at the HEIGHT.   Now be “selling”? Leaving the party at its crescendo? Stopping the dopamine flow? Yes, exactly… and THAT'S why it's so difficult.    What happens after the stock market peak? Overbought, with bloated price-to-earnings ratios, the market soon drops 10% from its recent high.    That's what's known as a correction - a drop of 10% or more. Now you feel a little ANXIETY. Your dopamine flow is stifled.   Next, you tell yourself, "I shouldn't be worried because I'm a long-term investor." It's down 15%. You're experiencing DENIAL & FEAR.   Now you're checking the Robinhood app almost hourly to see if it will recover.   Next, comes Desperation & Panic - Stocks are down 20%, that's the definition of a bear market. You're devoting more mindshare to this each day than what's healthy.   Then there's Capitulation - Down 30%, you finally surrender to a FEAR of FURTHER LOSS. You're getting so sick of months of losing. You finally do it and cash out your stocks into a safe money market fund. Now you're out.   And you rationalize and justify doing this because you tell yourself, "You know, at least when I wake up tomorrow, I'll know that I haven't lost money AGAIN. And THAT gives me certainty.”    The next stage in the Cycle of Investor Emotions is Despondency - You realize that what you've done is the polar opposite of successful investing. It's complete. You've now bought high… and then sold low.    Next, stocks completely bottom out. But this is actually the Point of Maximum Financial Opportunity. Instead, you should be buying.   But you can't. Because you're experiencing the next investor stage - Depression. You're so full of contempt for the situation that the idea of actually buying at bargain-basement levels again is simply inconceivable. You've been burnt badly.   Then, there's Hope & Relief - The market has begun ticking up after the crash. It soon should be clear that share prices are FAIRLY VALUED again.    But you don't buy the recovery story. You wait until enough price growth occurs that the confidence and Optimism stage is felt again before you'll even consider getting back in and buying.   And the entire pattern repeats.   That's the “cycle of investor emotions”. There's an average of 3-and-a-half years between each stock bear market, BTW.   Of course, we've been kind to call this all “investing”. It's more like speculating.   But here's the real problem—most investors THINK they're better than average stock pickers, so they keep playing this game. This effect has a name. It's called illusory superiority.   It's like how at least 70% of people think they're better than average drivers, despite the statistical impossibility.   Even professional money managers fall prey to this! Fewer than 10% of active U.S. stock funds manage to beat THEIR benchmarks.   The renowned British economist and value investor Benjamin Graham once said: "The investor's chief problem—even his worst enemy—is likely to be HIMSELF." Well, as real estate investors, we largely SIDESTEP the cycle of investor emotions for two main reasons.   Returns are more stable.   Real estate, we sidestep this emotional roller coaster. Not only do we have stable prices, but appreciation is one of just 5 ways that you're simultaneously paid.   RE also has monthly income. Dutch tulips or Beanie Babies don't pay you a durable monthly income stream. They don't provide an income stream at all.   And finally, RE is a REAL asset that fulfills a REAL human need.   I hope that you enjoyed this journey through speculative bubbles today and how they play into human psychology and investor emotions.   Go ahead and tell a friend about Get Rich Education.   If you've got a friend or family member that you think would benefit from the knowledge drops here on the show, you can simply tell them to grab the free Get Rich Education mobile app.   That's a convenient option for listening every week for both iOS and Android.   My name's Keith Weinhold and I'll be back with you right here… next week. Don't Quit Your Daydream!

Barely in her 20s, Laufey is Chinese-Icelandic singer, composer, and multi-instrumentalist based in LA who sounds like a lost soul from the cool jazz era. An avid Ella Fitzgerald fan, who she discovered while thumbing through her father's record collection, Laufey bridges the past into the present on her song “From The Start,” which will be released on her forthcoming album, Bewitched.  

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Teenage Mutant Ninja Turtles Mutant Mayhem hit the big screen. We bring you our reactions, thoughts, and review in this. Cowabunga!Don't forget to subscribe and leave us a review on Apple Podcasts and Spotify!Twitter: @confidently_podInstagram: @confidently_podWebsite: https://confidentlywrong.simplecast.comCredits:Hosted by: Wesley Nakamura, Brian Redondo, Savon JonesEdited by: Wesley NakamuraTheme Music: Implied Authority by Bass ElfLink: https://soundcloud.com/bass_elf_music

If the odds were stacked against you, would you run towards opportunity or from it? Los Angeles Chargers running back Austin Ekeler was never supposed to make it to the NFL, much less star in it. Barely recruited out of high school, Austin starred at Western Colorado University, a Division II school, before signing with the Chargers as an undrafted free agent in 2017. He's since established himself as one of the best players in the league, leading the NFL in touchdowns the past two seasons. He's the founder of Eksperience, a fan engagement platform, and founder of the Austin Ekeler Foundation. On this episode, we talk about going all in on your goals, staying confident when you aren't getting opportunities, and putting in the work when no one's watching. 

You could have heard this episode 48 hours early by supporting us on Patreon for as low as $1/month: https://www.patreon.com/IndieheadsPodcast. On this episode, Matty, Gavin, AJ and special guests Barely March & Grace Robins-Somerville wrap up our look at various songs that peaked at #2 on the Billboard Alternative Airplay/Modern Rock Songs chart in the 2000s. Follow […]

This week the gang was up bright n' early. Join Rock, Andi and Bougie Hippie for a Boosie inspired devotional, Rocking news, and a mountain-y rocky situation.  Vote OTR for Podcast of the Year! https://pollforall.com/Q/q9kepb59  Don't miss out!! Add us on Social Media @Offtherockpod on everything Be a G and send us Mail  Offtherockpod@gmail.com And remember, if you ain't vibing with Off The Rock, you're under a Rock.

Drake almost had to cancel his show because his stage wasn't finished just hours before the doors were supposed to open. And one of the biggest stars in music says they have no idea how to solve the problem of fans throwing stuff at artists.

In our uncertain world, the quest for faith often becomes a beacon of hope and assuredness. Amid the constant fluctuations of the world, God emerges as a grounding force; offering us a sense of purpose and direction when navigating a path we're not sure of. Even when the world around us is shrouded in uncertainty, faith can illuminate our path, fostering resilience, strength, and optimism. Dancers Austin and Marideth Telenko met in New York, both pursuing dance careers. Barely a month into their dating life, COVID hit, and the jobs they had dancing fizzled as shows and studios closed. Temporarily relocating to North Carolina, and uncertain about their future, they sought God for guidance, and were led to an opportunity that changed everything. Tom Rudelius is a scientist who began studying the mysteries of the universe long before he would ever have questions about the God of the Universe. His twin brother, who had recently become a Christian, encouraged him to explore his faith; so Tom pursued the truth of the Gospel, very much like he pursued scientific truths, and was amazed by what he found.     Links, Products, and Resources Mentioned: Jesus Calling Podcast Jesus Calling Jesus Always Jesus Listens Past interview: Dr. Myron Rolle Upcoming interview: Dennis Quaid Samaritan's Purse: https://sampur.se/44HesSt    Austin and Marideth Telenko Bible Belt @Cost_N_Mayor   Tom Rudelius Cornell University of California Berkeley Durham University in England Letters from a Skeptic Book of Matthew Book of Revelation Chasing Proof, Finding Faith   Interview Quotes: “There's a lot of people, there's a lot of noise and voices telling you exactly who you should be and exactly what you should look like and exactly what you need to do to get to where you need to go. And I think it's really easy to sort of lose yourself in that noise, which is something that I struggled with a lot.“ - Marideth Telenko “It was really a risky moment of me being like, ‘This is what I have to do for my life, and if that does not align with you, that's okay.' And I think that I really had to let [Austin] find it on his own.” - Meredith Telenko  “Putting our faith and our careers in His hands—man, look at what the Lord does, because we would have never, ever in a million years thought that coming out of the pandemic we would be in the position we're in.” - Marideth Telenko  “We always try to make sure that the light shining through us is brighter than the light shining on us.” - Marideth Telenko  “I think that science tells us how the world works in the absence of supernatural intervention, but it doesn't tell us whether or not supernatural intervention is possible in the first place.” - Dr. Tom Rudelius, Ph.D. “If we're going to talk about Jesus's miracles, we should really talk about it through the lens of the Christian worldview. If the Christian worldview is true, then the miracles of Jesus aren't just these random acts that happened for no good reason, but they're actually a key part of the whole story of what God was doing through Jesus.” - Dr. Tom Rudelius, Ph.D.  “The moment I became a Christian wasn't the moment that I sat down and I did this calculation and decided that Christianity was more likely true than false. It was the moment that I realized that I actually needed these things, that the gospel [my brother] Steve had been telling me about offered, things like forgiveness and hope and eternal life and the Holy Spirit.” - Dr. Tom Rudelius, Ph.D. “And so to me, it's when I started appreciating that overarching narrative in the Bible and how it fits onto my own experience that the Bible really came alive for me.” - Dr. Tom Rudelius, Ph.D.  “That's what makes it actually so incredible, the gospel of Christianity, that God would look down at us, just this tiny little planet, a seemingly insignificant species, and He would actually decide to become one of us and to come into our world and to suffer and to die so that we could have life.” - Dr. Tom Rudelius, Ph.D. _______________________ Enjoy watching these additional videos from Jesus Calling YouTube channel! Audio Episodes:     https://bit.ly/3zvjbK7  Bonus Podcasts:     https://bit.ly/3vfLlGw  Jesus Listens: Stories of Prayer:  https://bit.ly/3Sd0a6C  Peace for Everyday Life:     https://bit.ly/3zzwFoj  Peace in Uncertain Times:     https://bit.ly/3cHfB6u  What's Good?     https://bit.ly/3vc2cKj  Enneagram:     https://bit.ly/3hzRCCY  ________________________  Connect with Jesus Calling Instagram Facebook Twitter Pinterest YouTube Website

Getting through this slow, sports Dead Zone period, yet again as I'll share whatever the sports universe has to offer. On deck: (2:39) The Baltimore Orioles have been flying high, leading the AL East with the best record in the league. With all of their young talent and promise on the rise, there's a looming presence from ownership that could upset the potential of how far this team can go over the next five years. Then there are the Yankees. Is it possible that there could be a housecleaning in the front office and/or the manager if they do not make it to the postseason? As for what's happening on the field, the Mariners have started to click as they're in the midst of a seven game winning streak. Can they threaten the Rangers for the division lead in the AL West? The Phillies have played well as they've thrusted themselves to the top of the Wild Card lead in the NL, in light of newly acquired Michael Lorenzen throwing a no-hitter vs. the Nationals. I'll take a peek at all of the latest that's happening in the divisions and wild card races as we approach the middle of August. (33:19) Hard Knocks premiered on HBO the other night as the Jets are highlighted this year. I haven't watched it yet, but from what I've heard it's been an absolute lovefest between QB Aaron Rodgers and the team. The Commanders are back in the news cycle. Coach Ron Rivera had to retract some comments about his offensive coordinator, Eric Bieniemy and his intensity toward the players. This is a make or break year for Rivera with a new regime in tow. There's been more off the field news as former Raiders wideout Henry Ruggs has been sentenced three to ten years for his fatal accident back two years ago in Las Vegas. Saints RB Alvin Kamara and Colts CB Chris Lammons have been suspended for three games at the start of the season for their involvement in a fight that took place in Vegas last year. No matter how many players get in trouble off the field and all of the negative press that it generates, it goes to show that 'The Shield' is impenetrable when it comes to things like this. Please subscribe, leave a rating and post a review on Apple Podcasts, Google Podcasts, Spreaker, Stitcher, Spotify, Luminary, Amazon Music and iHeartRadio or wherever you get your podcasts. If you'd like to contribute to the production of the podcast, please visit my Patreon page at: www.patreon.com/TheJAYREELZPodcast   Many thanks for all of your love and support.   Intro/outro music by Cyklonus. Please subscribe, leave a rating and post a review on Apple Podcasts, Google Podcasts, Spreaker, Stitcher, Spotify, Luminary, Amazon Music and iHeartRadio or wherever you get your podcasts. If you'd like to contribute to the production of the podcast, please visit my Patreon page at: www.patreon.com/TheJAYREELZPodcast   Many thanks for all of your love and support.   Intro/outro music by Cyklonus. LINKS TO SUBSCRIBE, RATE & REVIEW: APPLE: https://podcasts.apple.com/us/podcast/the-jayreelz-podcast/id1354797894 SPOTIFY: https://open.spotify.com/show/1gkdtgroTFlaqPW1EBjVDr SPREAKER: https://www.spreaker.com/show/the-jayreelz-podcast_2 STITCHER: https://www.stitcher.com/podcast/jason-s-nazario/the-jayreelz-podcast iHEARTRADIO: https://www.iheart.com/podcast/256-the-jayreelz-podcast-43104270/ LUMINARY: https://luminarypodcasts.com/listen/jason-s-nazario/the-jayreelz-podcast/f9527dd9-47ea-4ed9-92cf-32af9bfa95ad?country=US SPOTIFY TRAILER: https://open.spotify.com/episode/7nZZlvPRAly5irLRSG2qxq?si=rTKCQKnZRNC_VK-_uIWNJA AMAZON MUSIC: https://www.amazon.com/The-JAYREELZ-Podcast/dp/B08K58SW24/ref=sr_1_1?dchild=1&keywords=the+jayreelz+podcast&qid=1606319520&sr=8-1 SPOTIFY PODCAST LINK: https://open.spotify.com/show/1gkdtgroTFlaqPW1EBjVD

The Grue-Crew review QUICKSAND (2023, SHUDDER) on Gruesome Magazine episode 451. Jeff Mohr from Decades of Horror: The Classic Era, Crystal Cleveland, the Livin6Dead6irl from Decades of Horror: 1980s, award-winning filmmaker Christopher G. Moore, lead news writer Dave Dreher, and Doc Rotten share their thoughts about this week's frightening addition to streaming horror films. Warning: possible spoilers after the initial impressions! QUICKSAND (2023, SHUDDER) Follows a married couple almost divorcing who become trapped in quicksand while hiking through a rainforest in Colombia. They will battle the elements of the jungle and must work together in order to survive. Available Streaming on SHUDDER beginning July 14, 2023 Directed by: Andres Beltran Written by: Matt Pitts Cast: Carolina Gaitan, Allan Hawco Sabastian Eslava, Andres Castaneda FOLLOW: Gruesome Magazine Website http://gruesomemagazine.com YouTube Channel (Subscribe Today!) https://youtube.com/c/gruesomemagazine Instagram https://www.instagram.com/gruesomemagazine/ Facebook Group: https://www.facebook.com/groups/HorrorNewsRadioOfficial/ Doc, Facebook: https://www.facebook.com/DocRottenHNR Crystal, Facebook: https://www.facebook.com/living6dead6irl Crystal, Instagram: https://www.instagram.com/livin6dead6irl/ Jeff, Facebook: https://www.facebook.com/jeffmohr9 Dave, Facebook: https://www.facebook.com/drehershouseofhorrors

Meet warrior, Irene S. Roth. Irene is a full-time writer, blogger, online teacher, and writing mentor coach. Irene has managed chronic pain from osteoarthritis, fibromyalgia, chronic migraine disease, and more for the past twenty-five years. Barely functioning due to the debilitating pain, Irene was determined to not let the pain from her osteoarthritis defeat her. She educated herself and implemented a self-management plan allowing herself to not only function but thrive despite her pain. Through her writing, Irene teaches, encourages, and spreads her message of hope to the chronic pain community. In Part Two, listen as she shares her treatment suggestions and self-management tips for managing the ever-changing symptoms of arthritis and other chronic conditions. To learn more about Irene S. Roth, go to her Smashwords e-books including Living Well with Chronic Illness, The Emotionally Resilient Arthritis Sufferer, Tips to Successful Chronic Pain Management, How to Pace Yourself Despite Migraine Attacks or her blogs including https://livingwellwitharthritis.wordpress.com and the I Am Not My Pain Podcast blog at https://chronicpainwarriorsblog.ca.

This week we kick off season 4 and discuss all things training camp.  

A wartorn city on the hard-bitten front line. Desperation from all side. Barely enough clothes to keep warm, enough food to keep fed, enough weaponry to keep safe. In a Campaign Pitch Me, Buddy or Mango pitches the other on a sweet idea for a tabletop RPG campaign and whether it's the existential dread of Barbie, the historical vibe of Oppenheimer or just some weird thought stuck in his head, I really want to make an RPG about Stalingrad. ---------------------------------------------------------------- Want to watch these episodes live? Check us out at https://www.youtube.com/@somederpsplaygames or twitch.tv/somederpsplaygames Check out the podcast on Soundcloud: https://soundcloud.com/somederpstalkaboutgames Want to tell us something? Email us at podcast@somederpsplaygames.com Like our Facebook page too! www.facebook.com/SomeDerpsPlayGames/ We have a Patreon! https://www.patreon.com/somederpsplaygames Rate us on iTunes! https://itunes.apple.com/us/podcast/some-derps-talk-about-games/id1048899720 Follow us on Twitter! SDPG: twitter.com/somederps Buddy: twitter.com/thatbuddysola Mango: twitter.com/theonetruemango Intro and Outro courtesy of twitter.com/VinceRolin

Charlie is back and can barely name any songs he heard at the concerts + Megan Rapinoe: The All-American Hero

If you're having a hard time with no contact, you must watch this video immediately.  Dating/relationship expert Lucia explains why you desperately want to contact your ex and what to do instead.Get coaching!Download Silenzio App:  iPhone OR AndroidBuy No Contact Secrets Book

Recording in person to beat the late summer heat! The Notes: Is this a numerology podcast? Nelson's not a numbers guy, he's an idea guy! Parachute pants that really parachute! Deuce Wear, clothes for men with problems! Airborne chlamydia is a real problem! Keep your genitals on lockdown at Will's house! Barely any wetness, just a whole lot of noise! Wind is the greatest threat! Full wetsuit bottom summer! Nelson is developing a whole line of pants! Will proves he knows all the kinds of camouflage! Marines love some sword play! Were there centaurs in ‘Nam!? Nelson is more of a Val Kilmer! We believe in Ben Affleck science! Physics-based Sherlock Holmes! It's bigger on the inside than the outside! Sports Corner: Women's World Cup US vs Sweden preview! It's all meatballs and Allen wrenches! A phone call to Tom Hanks! Contact Us! Follow Us! Love Us! Email: doubledeucepod@gmail.com Twitter & Instagram: @doubledeucepod Facebook: www.facebook.com/DoubleDeucePod/ Patreon: patreon.com/DoubleDeucePod Also, please subscribe/rate/review/share us! We're on Apple, Android, Libsyn, Stitcher, Google, Spotify, Amazon, Radio.com, RadioPublic, pretty much anywhere they got podcasts, you can find the Deuce! Podcast logo art by Jason Keezer! Find his art online at Keezograms! Intro & Outro featuring Rob Schulte! Check out his many podcasts! Brought to you in part by sponsorship from Courtney Shipley, Official Superfans Stefan Rider and Amber Fraley, and listeners like you! Join a tier on our Patreon! Advertise with us! Check out the Lawrence Times's 785 Collective at https://lawrencekstimes.com/785collective/ for a list of local LFK podcasts including this one!

“You are like Moses, leading us out from slavery!” Jamila exclaimed. As a bonded brick-kiln worker in Pakistan, she and her family (and her parents before her) suffered because of the exorbitant amount they owed the kiln owner. Barely able to survive, they used much of their earnings just to pay off the interest. But when they received a gift from a nonprofit agency that released them from their debt, they felt tremendous relief. In thanking the agency’s representative for their freedom, Jamila, a Christian, pointed to the example of God’s release of Moses and the Israelites from slavery. The Israelites had been oppressed by the Egyptians for hundreds of years, laboring under harsh conditions. They cried out to God, asking for help (Exodus 2:23). But their workload increased, for the new pharaoh ordered them not only to make bricks but also to gather the straw for these bricks (Exodus 5:6–8). When the Israelites again cried out against the oppression, God again promised to be their God (6:7). No longer would they be slaves, for He would redeem them with “an outstretched arm” (v. 6). Under God’s direction, Moses led the Israelites out of Egypt (see Exodus 14). Today God still delivers us, for through the outstretched arms of His Son Jesus on the cross, we are set free from a far greater enslavement to the sin that once controlled us. We’re no longer slaves, but free!

Tucker Franklin and Matt Lane recap and break down the recent madness in college football conference realignment and preview the ACC. — The best Kansas City sports coverage in one place. Download our app now! Apple: https://apps.apple.com/us/app/kcsn/id6443568374 Google Play: https://play.google.com/store/apps/details?id=com.kcsn&hl=en — Download the DraftKings Sportsbook App NOW and sign up with promo code KCSN! https://apps.apple.com/us/app/draftkings-sportsbook-casino/id1375031369 — Subscribe to the KCSN Daily substack for film reviews, exclusive podcasts, KC Draft guide, discounts and access, giveaways, merch drops and more at https://kcsn.substack.com/subscribe FOLLOW US ON: Facebook - https://www.facebook.com/KCSportsNetwork Instagram - https://www.instagram.com/kcsports.network/ Twitter - https://twitter.com/KCSportsNetwork Substack - https://kcsn.substack.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

GET ON THE ADHD-FRIENDLY BUSINESS PROGRAM INTEREST LIST In this episode, I answer questions on how to overcome fear and rejection in entrepreneurship, particularly when you have ADHD. I share my own struggles with perfectionism and offer actionable advice on managing strong emotions, dealing with rejection, and staying motivated in the face of setbacks. --- Send in a voice message: https://podcasters.spotify.com/pod/show/caren-magill/message

Kia Soul of Love. Then you shall have no water, no A/C and no Lt Yar. Anyway, He's kind of a turd. Too Much Brown. What's the Frequency, Raynor? (v) I don't like mystery BEEEEEEEEEEEEPS! Are Sun Bears real because I like really wanted to know. Knee Joints are Effed. Can we share a Devil's Thumb? Game over Tina! Hang out with Brian for ten bucks. Calling Out the Chuckleheads. Upping your condensation game. Barely a Bear. 30 Seconds of Dead Air with Wendi and more on this episode of The Morning Stream. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kia Soul of Love. Then you shall have no water, no A/C and no Lt Yar. Anyway, He's kind of a turd. Too Much Brown. What's the Frequency, Raynor? (v) I don't like mystery BEEEEEEEEEEEEPS! Are Sun Bears real because I like really wanted to know. Knee Joints are Effed. Can we share a Devil's Thumb? Game over Tina! Hang out with Brian for ten bucks. Calling Out the Chuckleheads. Upping your condensation game. Barely a Bear. 30 Seconds of Dead Air with Wendi and more on this episode of The Morning Stream. Learn more about your ad choices. Visit megaphone.fm/adchoices

Full show - Monday | Too old | Should Slacker see the Barbie movie? | T. Hack doesn't want to get his ring wet | OPP - Adding a partner | Erin barely survived this concert | Moving out | Should we get rid of push gifts?

Bekki Morgan and Jeff Kassouf discuss the U.S. women's national team's 0-0 draw with Portugal to end the group stage. While the U.S. has advanced to the Round of 16, it was not without significant struggle. Jeff, who watched the game live in Auckland, says it's one of the worst performances he's seen from the U.S. in a meaningful game. Bekki says it's difficult to see what the game plan is for the U.S. in each match. Portugal played well, and deserved a more favorable result. The same issues for the U.S. have continued since their game vs. the Netherlands. What is going wrong for the team in this tournament? Follow: Bekki Morgan on Twitter Jeff Kassouf on Twitter The Equalizer on ⁠Twitter⁠, ⁠Facebook⁠, and ⁠Instagram

Erin went to a secret concert, but we're not so sure about it. Do you think it was a good idea for her to go?

Tucker Franklin, Matt Lane, and Matt Miller discuss the recent conference realignment news and what it means for the Pac-12 before diving into their 2023 preview of the conference. — Want a chance to win a full-sized Chiefs helmet signed by Travis Kelce? Purchase raffle tickets here with all proceeds going to the KCSN Foundation: http://GiveButter.com/kcsngolf — The best Kansas City sports coverage in one place. Download our app now! Apple: https://apps.apple.com/us/app/kcsn/id6443568374 Google Play: https://play.google.com/store/apps/details?id=com.kcsn&hl=en — Download the DraftKings Sportsbook App NOW and sign up with promo code KCSN! https://apps.apple.com/us/app/draftkings-sportsbook-casino/id1375031369 — Subscribe to the KCSN Daily substack for film reviews, exclusive podcasts, KC Draft guide, discounts and access, giveaways, merch drops and more at https://kcsn.substack.com/subscribe FOLLOW US ON: Facebook - https://www.facebook.com/KCSportsNetwork Instagram - https://www.instagram.com/kcsports.network/ Twitter - https://twitter.com/KCSportsNetwork Substack - https://kcsn.substack.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Your rental property is at risk. Maybe not now, but in the near future, you could face property damage, the need to rebuild, or an angry tenant/guest filing a lawsuit against you. What do you do? Don't get too sweaty; this is why you have landlord insurance! The problem? Most landlords have coverage that BARELY protects their properties when something goes wrong, leaving their entire portfolio vulnerable just to save a few dollars. This is a HUGE mistake and could cost you far more than you know. To help demystify the world of rental property insurance, we brought on Christian Bachelder from The One Brokerage and Darren Pettyjohn, co-founder of Proper Insurance. Together, these two policy powerhouses discuss the BEST ways to protect your properties, the unknown risks that so many rental property investors aren't aware of, and the common mistakes rookies make when choosing a rental property insurance policy. But that's not all. Christian and Darren will give you the exact questions to ask your insurance agent/broker, uncover why umbrella policies are a MUST in this business, and explain why big insurers are leaving high-risk states like California and Florida. This discussion could save you hundreds of thousands, if not MILLIONS when something goes wrong at your property! In This Episode We Cover The most common mistakes rookies make when getting landlord insurance  CRUCIAL questions to ask your agent BEFORE you buy a policy  Umbrella insurance vs. LLC protection and which is a better bet for investors  The three most important parts of your insurance quote and numbers to pay attention to Short-term rental property insurance and why AirCover just won't cut it  Renters insurance and the unbelievably cheap protection it provides tenants  And So Much More! Links from the Show Find an Agent Find a Lender Ashley's BiggerPockets Profile Ashley's Instagram Tony's BiggerPockets Profile Tony's Instagram Real Estate Rookie Facebook Group Join BiggerPockets for FREE Submit Your Real Estate Rookie Question! Find Insurance For Your Rental Property The BiggerPockets Guide to Landlord Insurance Rookie Reply Episode 296 Richer v. Travelers Case Connect with Christian & Darren: Christian's BiggerPockets Profile Christian's Instagram Christian's Email Darren's BiggerPockets Profile Darren's Website Check the full show notes here: https://www.biggerpockets.com/blog/rookie-307 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email: advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices