Podcasts about Berkey

Introduction: As the dust settles on the tumultuous 2025 season for St. Louis City SC, fans and analysts alike find themselves reflecting on a year filled with disappointment and missed opportunities. From high expectations to a disheartening finish, this season review delves into the highs and lows that defined the team's performance, offering insights into what went wrong and what lies ahead.Main Content:1. The Season Overview: The 2025 season for St. Louis City SC was marked by a sense of hopelessness. As the hosts of the Mecca of Banter podcast discussed, the vibe can be summed up in two words: "hopelessly lost." With a lack of direction from the management and an underwhelming roster, fans were left wondering how the team could recover. The season concluded with a disappointing record of eight wins, eight draws, and 18 losses, placing the team 13th in the Western Conference.2. Key Issues: The podcast highlighted several critical issues that contributed to the team's struggles. One major point was the leadership and direction—or lack thereof—provided by the coaching staff. The team transitioned from an interim manager to hiring Olaf Melberg, who was expected to bring defensive stability. However, the results did not match expectations, with the team leaking goals and lacking a cohesive identity. The hosts lamented the team's failure to build on the momentum from the previous season and expressed frustration with the management's decisions.3. Player Performance: Despite the overall disappointing season, there were a few bright spots. Marcel Hartle emerged as a key player, stepping up in the absence of others and proving his worth on the field. He not only displayed leadership qualities but also scored some impressive goals, raising hopes for his future contributions. Additionally, the performance of goalkeeper Berkey was noted, as he continued to be a reliable presence for the team.4. The Honeymoon Phase is Over: The hosts noted that the initial excitement and optimism surrounding St. Louis City SC have faded, with the metaphorical "honeymoon phase" coming to an abrupt end. Fans who once felt invincible after a promising first season now face the reality of a struggling team. The discussion pointed to the need for a renewed focus on building a competitive squad that can reclaim the enthusiasm of the fan base.5. Looking Ahead: As the podcast concluded, the hosts expressed cautious hope for the future. They emphasized the importance of learning from the mistakes of the 2025 season and rebuilding for the upcoming year. The need for a solid strategy in player acquisition and management was underscored, as the team must not only improve its roster but also restore the confidence of its supporters.Conclusion: The 2025 season for St. Louis City SC serves as a stark reminder of the challenges in professional sports. With a combination of poor management decisions, underwhelming player performances, and a loss of identity, the team found itself in a difficult position. However, with a clear plan and the right adjustments, there is still hope for a brighter future. Fans will be watching closely as the organization looks to rebuild and reclaim its place in the competitive landscape of Major League Soccer. Key Takeaways:- The 2025 season was marked by disappointment and a lack of direction.- Key players like Marcel Hartle showed promise despite overall team struggles.- The honeymoon phase for fans is over, highlighting the need for change.- A clear strategy for the future will be essential for rebuilding the team's competitive edge.Tags for SEO: St. Louis City SC, MLS, 2025 season review, soccer analysis, team performance, sports management, Major League Soccer, St. Louis sports, soccer podcast, fan engagement.

Berkey International, LLC v. U.S. Environmental Protection Agency

Tom held a Q&A. Topics included:-Can you please talk about ways to detox the body of aluminum from vax? One way our provider at the NBC recommends certain waters containing certain minerals, but we're hesitant because they come in plastic bottles. Are there other ways?-As a regular attended to the Wednesday webinar, which I enjoy immensely, I would like to know from a New Biology perspective what are stem cells, are they really a thing, and if so what is meant by stem cell therapy?-With regards to the New Biology Clinic, does someone need to live in the United States to become a member or receive a consultation?-Would strophanthus help with “peripheral venous insufficiency” as dx from medical system. I thought maybe since if heart is not a pump- then veins not too? if supplement will strengthen heart will it help to “suction” vortex blood back from lower extremity -legs to heart?-Are different blood types real?-Is there an alternative to blood transfusion in the event of an emergency?-We hear a lot about high blood pressure, but what about people with low blood pressure? Are there ever reasons to be concerned, or does this indicate anything happening in the body that should be addressed?-What would include in a New Biology approved first aid kit, and "emergent" tools to use and have on hand?-Question about the analemma water wand. Can it be used when structuring wine, or when I add diatomaceous earth to my water? Are there benefits to using the wand in liquids other than water?-what should be the first practical step of someone diagnosed with cancer? can they heal on their own or they need to find a so-called holistic healthcare professional?-Per the "pure food and drugs act" that is enforced on small mom and pop operation, putting them in prison, but not large corporations, it is illegal to poison food and drugs with substances once it is known to be poisonous. Why is this happening?-parasites and cancer - your view-If someone is having signs of heart attack, what should they do?-Bio identical progesterone? Any good for post-menopausal stress?-We have started sourcing our drinking and cooking water from a local spring that gets excellent ratings. However, I'm not sure I feel 100% comfortable not filtering the water given I can't test it regularly. What is the "harm" in putting my spring water through a Berkey filter before I use my analemma wand to charge my water? Does the filtering process due more harm than good when it comes to natural spring water?-What type of pots and pans are good to cook with in accordance with the new biology beliefs?Support the showWebsites:https://drtomcowan.com/https://www.drcowansgarden.com/https://newbiologyclinic.com/https://newbiologycurriculum.com/Instagram: @TalkinTurkeywithTomFacebook: https://www.facebook.com/DrTomCowan/Bitchute: https://www.bitchute.com/channel/CivTSuEjw6Qp/YouTube: https://www.youtube.com/channel/UCzxdc2o0Q_XZIPwo07XCrNg

In this special solo episode, Bart shares personal stories and lessons from his trip to Riyadh, Saudi Arabia, where he was invited to speak at the KBLT Congress on travel and hospitality. From Lufthansa flight attendants anticipating a young family's needs, to warm welcomes at immigration, to Ritz-Carlton staff redefining overdelivery, Bart explores what it means to personalize, customize, and truly notice people—whether clients, guests, or teammates.Major Takeaways / LearningsOverdelivery is not accidental: it requires resources, systems, and intentional focus.Hospitality starts at the first moment—from airport customs officers to hotel staff, everyone has the chance to make guests feel honored.Personalization matters: 71% of customers expect it, 76% get frustrated when it's missing, and 80% are more likely to buy when experiences are tailored.Busy is no excuse: focus on your most important clients, partners, or team members and create a process for deliberate overdelivery.Leadership lesson: even small actions—like a manager calling customers while an employee is on vacation—can create loyalty, relief, and trust.Universal truth: People remember how you make them feel.Memorable Quotes“Every opportunity is the chance to make someone feel a certain way.”“Overdelivering requires not just heart, but process.”“People are good. People are kind. Please, just keep noticing, keep anticipating, keep overdelivering.”Why It Matters / How to Use ItThis episode is a reminder that in a world where everyone is busy, the true differentiator is focus and intentionality. Whether in sales, service, or leadership, slow down long enough to notice, anticipate, and act. Build the systems and habits that allow you to go from simply delivering to truly overdelivering.Resources and Links:Bart Berkey: MostPeopleDont.com | LinkedInThis podcast episode is brought to you by Wishes.Inc Wishes, Inc. is a transparent giving platform that lets donors see exactly where their money goes.It rewards users with cashback and perks through virtual payment tools.Fast, traceable, and efficient—Wishes makes doing good feel even better.https://www.bartaberkey.com/wishes-inc-landing-page

What happens when a simple subject line transforms your entire leadership approach? In this solo episode, Bart Berkey shares the profound moment when a three-word email—“BTW, good morning”—became a turning point in how he leads with humanity, not just hustle. This deeply personal story reveals why connection must come before direction, and how one assistant's courage sparked a lasting shift in Bart's leadership mindset.Major TakeawaysThe 3P Framework: Lead with Person, Purpose, Praise to build trust, drive execution, and inspire motivation.BTW, Good Morning: A reminder to pause, acknowledge, and connect before assigning tasks.Micro Chats Matter: Small greetings fuel emotional belonging—especially in hybrid and remote environments.Nine Keystrokes Can Set You Apart: Typing “Thank You” may take 1.7 seconds, but the impact can be career-changing.Ask About the Blueberries: Celebrate wins, recognize efforts, and invite others to share what's working.Memorable Quotes“Are you barking orders—or building connection?”“Small talk isn't fluff. It's fuel.”“BTW, good morning—three words that rewired how I lead.”“Recognition starts with acknowledgment. It's not about the task. It's about the person first.”Why It Matters / How to Use ItThis episode challenges the default mode of leadership many fall into—prioritizing urgency over empathy. Whether you're managing a team or building relationships, the shift from task-first to people-first can unlock deeper trust, better collaboration, and higher performance. Try Bart's 3P approach in your next email or 1-on-1, and watch your team's response change.Resources & Links:Bart Berkey: MostPeopleDont.com | LinkedIn

We all carry a little hogwash — the untruths we've convinced ourselves are real.In this solo episode, Bart unpacks the emotional and psychological baggage we carry disguised as “logic”: the thoughts like “I'm not good enough”, “They must be mad at me”, or “I always mess things up.” Spoiler alert:it's all hogwash.Through personal stories, science-backed insights, and a practical truth-vs-hogwash exercise, Bart guides listeners to recognize triggers, reject negative narratives, and rewrite their inner dialogue. You'll learn how small shifts in thought lead to big shifts in life — moving from stuck to stable, from fear to forward motion.Major Takeaways & LessonsMost of What You Think… Isn't True80% of daily thoughts are negative, and 95% are repetitive. Labeling the false ones as “hogwash” helps break the cycle.Hogwash = Lies Dressed Up as LogicThoughts like “I'm not good enough” or “They're mad at me” feel real, but they're often assumptions rooted in fear, not fact.Use the Hogwash vs. Truth ToolMake two columns. In one, list your negative self-talk (“hogwash”); in the other, write the truth that challenges it.Triggers Create False StoriesHogwash often begins at the moment of emotional trigger. Recognizing the origin of the story helps you rewrite it.You Can Reframe Your StoryWhether the trigger is from childhood or yesterday, your belief can shift. Start by noticing it, naming it, and replacing it.Writing It Down Frees Your MindStudies show that writing down worries moves them out of your subconscious, reducing repetitive, anxious thoughts.Negativity Bias is Real — But You Can Balance ItOur brains are wired to detect threats. But when we call out hogwash, we make space for gratitude, hope, and awe.From Hogwash to HealingBart shares a personal story about childhood trauma and how identifying the untruths it planted helped him heal and help others.The First Step to Awe is Clearing the LensHogwash clouds our ability to see joy, hope, and potential. Recognizing and clearing it is what reveals the “glimmer.”You're Not AloneEveryone carries hogwash. The difference is: Most people don't stop to question it — but you do.Plus, Bart introduces the first step in his new “Trigger → Glimmer → Awe” framework — helping you feel better, do better, and be better.Resource & Links:Bart Berkey: MostPeopleDont.com | LinkedIn

Bart Berkey believes in doing what most people don't—remembering names, anticipating needs, and showing up with contagious positivity. A former global exec in luxury hospitality (Ritz-Carlton, Hyatt), Bart took three decades of service experience and turned it into a movement. In this episode, Ryan and Bart talk about the power of “active remembering,” why being kind beats being right, and how the phrase Most People Don't. But You Do. became a calling card for courageous leadership. Bart shares lessons from the stage, his podcast, and the frontlines of hospitality, offering practical ways to notice more, include others, and overdeliver. His belief? The smallest gestures often have the biggest impact—and our job as leaders is to help others feel seen.

As conversations around AI continue to shape our present and future, I sat down with Aaron Berkey—co-founder and managing partner of Okeanos, a venture capital firm with a community-first approach to investing, to explore the intersection of family, business, and purpose in a rapidly evolving world.On this episode of the pod, Aaron shares the power of positive reinforcement in parenting, the need to support female-founded businesses, and how AI and automation are reshaping healthcare and the labor market. We dive into how consistent discipline and strong community ties play a critical role in building a meaningful life and career. We reflect on the rising value of authentic human connection and creativity in an increasingly tech-driven age—and why staying grounded in relationships may be our most valuable asset.Aaron is also the co-host of The Entrepreneur's Dream: The Pursuit of Happiness, a new podcast exploring the emotional and professional journeys of entrepreneurs at every stage of business. Learn more about Aaron at okeanos.vc and check out The Entrepreneur's Dream: The Pursuit of Happiness on Spotify.

Last time we spoke about the Liberation of Mindanao. In the spring of 1945, as the battle for Okinawa intensified, American forces relentlessly confronted entrenched Japanese troops. General Buckner's 10th Army faced fierce resistance amidst harsh weather and dwindling supplies. Despite these challenges, they captured the strategic Shuri Castle, marking a critical turning point as Japanese troops retreated. Simultaneously, the liberation of Mindanao was underway. American troops, under General Eichelberger, rapidly advanced, overcoming fortified Japanese defenses in mountainous terrain. With the 24th Division securing key locations like Digos and Davao, the 31st Division pushed northward against General Morozumi's forces. Despite stubborn resistance, American forces displayed tenacity and courage, leading to significant victories. By May 20, the Americans approached Malaybalay, where remnants of the 30th Field Artillery Regiment held their ground. As Japanese troops attempted to regroup, they faced relentless assaults from the advancing American divisions. Throughout the campaign, the Americans endured heavy casualties, but their determination led to more than 10,000 Japanese losses. This episode is the North Borneo Offensive Welcome to the Pacific War Podcast Week by Week, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about world war two? Kings and Generals have an assortment of episodes on world war two and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel you can find a few videos all the way from the Opium Wars of the 1800's until the end of the Pacific War in 1945.  As we continue our story, by June 9, General Buckner's forces had pushed through to the enemy's main defensive line on the Kiyamu Peninsula. It was there that General Ushijima was preparing to make his final stand. Meanwhile, General Shepherd's 6th Marine Division landed on the Oroku Peninsula, determined to dismantle a stubborn pocket held by Admiral Ota's naval units. On June 10, the pace of the assault quickened dramatically. Colonel Shapley's 4th Marines broke through enemy defenses, capturing the strategic Hills 58 and 55(2). At the same time, Colonel Roberts' 22nd Marines secured Hills 28 and 55(1). Although Colonel Whaling's 29th Marines made only limited progress, they effectively identified the last significant pocket of resistance in the high ground west of Oroku village. Looking south, General Del Valle's 1st Marine Division also reignited its offensive. Colonel Snedeker's 7th Marines successfully advanced into Itoman and Tera, while Colonel Mason's 1st Marines, supported by tanks, cleared the southern slopes of the key ridge between Tera and Yuza, capturing Yuza Hill in the process. To the east, General Bradley's 96th Division launched a renewed attack, bolstered by artillery and tank support. Colonel May's 383rd Regiment advanced approximately 700 yards toward the town of Yuza. Meanwhile, Colonel Halloran's 381st Regiment pushed into Yunagusuku and Tomui. However, they faced fierce resistance, quickly encountering heavy machine-gun fire originating from the heights of Yaeju Dake, which halted their advance. Meanwhile, General Arnold's 7th Division continued its relentless push toward Nakaza, employing the full might of their tanks and artillery. Colonel Finn's 32nd Regiment steadily advanced onto the eastern slopes of Hill 95, pressing toward Hanagusuku. At the same time, Colonel Pachler's 17th Regiment fought to solidify its precarious position on the southeast end of Yaeju Dake. Back at sea, a kamikaze attack tragically sank the destroyer William D. Porter. That same day, Admiral McCain's Task Force 38 unleashed a barrage of bombs and artillery on Minami Daito Island before retreating to Leyte-Samar after 89 consecutive days off the coast of Okinawa. This marked the conclusion of their role in Operation Iceberg. The following day, the sustained pressure from Arnold's offensive began to fracture General Suzuki's 44th Independent Mixed Brigade on both flanks.Seas of flame engulfed Hill 95 on 11 June as 1/32 slowly advanced toward the crest of the enemy position behind the jets of armored flame throwers. Flame fuel was pumped and sprayed from hoses over portions of the ridge inaccessible to tanks and then ignited. Infantrymen moved among the still hot and smoking rocks and drove back the surviving defenders. That night the battalion dug in just short of the Hill 95 peak. Although little forward progress was made by 2/32 or the 17th Infantry on 11 June, the enemy position was considerably weakened. Intensive fire from supporting weapons was concentrated against the slopes of Yaeju Dake, and strong patrols cleaned out enemy groups that held positions near the 7th Division front lines. The 32nd Regiment achieved a significant victory by capturing the peak of Hill 95, while the 17th Regiment struggled to make further headway To the west, advances in the 96th Division zone were minimal as Bradley's regiments focused on consolidating their newly-won positions amidst intense enemy fire. Simultaneously, at Yuza Hill, fierce counterattacks were thwarted, and Mason's 2nd Battalion accomplished the critical capture of Hill 69, just west of Ozato, despite heavy machine-gun fire coming from Yuza Dake. Further east, ahead of the 7th Marines, some 800 yards from the southern fringes of the two settlements, lay "the scene of the most frantic, bewildering, and costly close-in battle on the southern tip of Okinawa"Kunishi Ridge. This precipitous coral escarpment constituted the western-most anchor of the last heavily defended line on Okinawa. The ridge contained innumerable caves, emplacements, and tombs on both the forward and reverse slopes. The intervening area between this formidable fortress and the lines of the 7th Marines was a broad valley of grassy fields and rice paddies which offered no protection to advancing infantry. The supporting tanks were restricted to two approaches into the position: a road across the valley which cut through the center of the ridge and another along the coast line. Both of these routes were covered by anti-tank guns. Shortly after noon patrols from the 1st and 2nd Battalions moved out with armored support to probe the Japanese defenses. Intense frontal fire from Kunishi Ridge, enfilade fire from the enemy on Hill 69 opposing the attack of 2/1, and artillery concentrations directed at the tanks forced a withdrawal at 14:47. Because of the complete fire coverage of the open valley enjoyed by the Japanese, both from the heights and slopes of the ridge itself and from the Yuza Dake area, it was apparent that a daylight assault of the position would be a costly affair. Consequently, after Colonel Snedeker had made a personal reconnaissance of the objective from a light liaison plane, it was determined to attack at night. The commanding officers of the assault battalions were oriented on the general plan during the afternoon. The central road and a line of telephone poles was designated as the boundary between battalions upon which the assault units would guide. The scheme of maneuver contemplated a penetration of the ridge where the road passed through it, followed by an expansion of the initial foothold to the right and left flanks to secure the remainder of the objective in the regimental zone of action. Normal artillery would be placed alternately on Kunishi Ridge and Mezado Ridge (500-600 yards southwest of Kunishi) until H-Hour and thereafter on the latter. On June 11, General Shepherd launched a concerted attack. The 22nd Marines successfully secured the Tomigusuki area and Hill 53, while the 29th Marines faced stiff opposition, making only limited gains against the heavily fortified hills west of Oroku. Meanwhile, the 4th Marines worked to strengthen their line, completing the encirclement of Ota's naval forces. Nevertheless, the ramparts of the Oroku fortress were cracking, and Admiral Ota released his last dispatch to General Ushijima: “Enemy tank groups are now attacking our cave headquarters. The Naval Base Force is dying gloriously at this moment… We are grateful for your past kindnesses and pray for the success of the Army.” During the night, artillery units successfully targeted and either killed or dispersed a group of Japanese troops attempting to cross the Kokuba River. Meanwhile, 51 infiltrators were eliminated as they tried to breach the lines held by the 22nd Marines. The following day, the 4th and 29th Marines intensified their efforts to compress the enemy pocket west of Tomigusuki, breaking through to seize Easy Hill while the 22nd Marines consolidated their positions. The capture of this key terrain feature forced the enemy into the alluvial flats along the coast between Oroku and Hill 53. "In the late afternoon enemy troops began displaying flags of surrender. Language officers equipped with loud speaker systems were dispatched to the front line areas to assist in the surrender of those Japs who desired to. The attempt was partially successful, 86 enemy soldiers voluntarily laid down their arms." For several days General Buckner had been sending messages to the Japanese commander by radio broadcast and air drops pointing out the hopelessness of the enemy situation in an attempt to persuade General Ushijima to surrender. During the afternoon of 11 June, Tenth Army representatives were conducted to the 2d Battalion OP overlooking Itoman to await any enemy party that might desire to negotiate. At 1700 all fire was suspended in the 7th Marines' area pending the doubtful appearance of a white flag. About 15 Japanese wearing white headgear appeared in the 1/7 zone in front of Company A at 1740, but dispersed when hailed. Six of the enemy surrendered to Company C at 1802, but the situation returned to normal two minutes later when hostile mortar fire fell on the captors' position. Final orders for the resumption of the attack were issued by Colonel Snedeker about 2000 setting H-Hour at 0330, 12 June. Both 1/7 and 2/7 were to make the assault with one company each, and at 0225 Company C moved out to establish contact with Company F on the line of departure. The attack was launched on schedule at 0330 and at 0500 Companies B and G moved out in support of the assault companies. Concurrently, Company F reached the objective at a point 500 yards north of Mezado village, as Company C came up on its left to extend the line eastward. The enemy was completely surprised and several small groups were wiped out by Company C while they were engaged in preparing breakfast. At the same time, the 1st Battalion extended the line eastward toward Kunishi. However, the Japanese quickly regrouped, pinning down the attackers for the rest of the day, though the Marines managed to reinforce and consolidate their hard-won gains. By midnight the positions there could be considered reasonably secure. But as General del Valle put it, "The situation was one of those tactical oddities of this peculiar warfare. We were on the ridge. The Japs were in it, both on the forward and reverse slopes." Elsewhere, the 1st Marines focused on mopping up Hill 69, dispatching patrols south through Ozato and maintaining their defenses on Yazu Hill. To the east, another pre-dawn attack initiated by the 17th Regiment caught the defenders off guard.  Colonel Pachler had compelling reasons for favoring a night operation. The defenders held a significant advantage in observation, which had posed serious challenges when the 3rd Battalion of the 17th Infantry seized the southeast end of the escarpment. The coral wall of the escarpment was particularly high at this end, and the narrow routes leading to the high ground were easily controlled by Japanese fire. After days of holding positions at the base of the 170-foot cliff, the troops had grown familiar with the terrain and, as their commander, Major Maynard Weaver, noted, they were eager to reach the top and finally see something new. The night attack was primarily planned for the 1st Battalion, but Colonel Pachler decided to coordinate a move to expand the territory held by the 3rd Battalion as well. The final plan involved three assault companies: Company A would occupy a cluster of coral about a hundred yards beyond the edge of the escarpment, near the boundary between the 7th and 96th Divisions. Company B aimed for a similar objective located about 200 yards to the southeast, while Company L was assigned to capture a small hill situated between the 1st Battalion's targets and the positions held by the 3rd Battalion since June 11. Each company was given a separate route: Company A's path led straight up the cliff's face, Company B needed to head south to reach a break in the escarpment before turning right toward its goal, and Company L had an accessible objective near the edge of the escarpment. Movement was set to begin at 0400 on June 12. Since the attack relied on stealth, no artillery preparation was planned. However, two battalions of 105-mm artillery, one battery of 155-mm howitzers, and an 8-inch howitzer battalion were scheduled to deliver heavy harassing fire during the night. Additionally, 21 batteries registered their fire on the afternoon of June 11 and were ready to provide protective artillery support if needed once the objectives were reached. For added firepower, a section of heavy machine guns was assigned to each assault company. Colonel Pachler meticulously planned the attack, ensuring that every soldier involved understood the details of the operation. Reconnaissance patrols had scouted the trails leading to the high ground, and demolition teams had already prepared known cave positions at the cliff's face with satchel charges. Despite thorough preparations, there was a collective apprehension about potential confusion caused by the unknown conditions of darkness. This anxiety was amplified at 2000 on the night of June 11 when the 7th Division G-2 Section intercepted an enemy radio message indicating, "Prepare to support the attack at 2300." Soon after, another intercepted message stated, "If there are any volunteers for the suicide penetration, report them before the contact which is to be made one hour from now." Meanwhile, from dusk until almost 2300, the Japanese unleashed a heavy artillery barrage, leading front-line troops to anticipate a counterattack. That counterattack did come, aimed at the 1st Battalion of the 32nd Infantry, which had reached the summit of Hill 95 earlier that day, as well as against the 96th Division. However, there was no enemy activity observed in the 17th Infantry's sector. As night illumination and harassing fire ceased shortly before 0400, the attack proceeded according to plan. The companies moved out in single file. Remarkably, a heavy fog settled over southern Okinawa, creating the perfect conditions for concealment while allowing the troops to follow their paths without confusion. On the high ground, Company A encountered a few civilians wandering about, while the leading platoon of Company B unexpectedly came across three Japanese soldiers as they reached the shelf of the escarpment. The Americans chose to ignore them and continued silently on their way, with the enemy surprisingly not opening fire. By 0530, just minutes after dawn, Companies A and B were in position without firing a single shot. Company L also successfully reached its objective, and eager to capitalize on the fog and absence of enemy fire, its commander sent a support platoon to a small hill fifty yards beyond. This objective was secured quickly, but not without incident; two enemy soldiers were killed in the process. The platoon leader reported their progress but quickly called for mortar fire as about fifty Japanese troops approached in a column. The Americans opened fire with rifles and BARs, disrupting the formation and resulting in thirty-seven enemy soldiers killed, while the rest managed to escape. The men of the 1st Battalion celebrated the success of the night attack. Shortly after Company A took position, four enemy soldiers stumbled into view and were swiftly eliminated. A few moments later, another four followed suit, meeting the same fate. Company B remained undisturbed until around 0530 when Japanese soldiers attempted to emerge from several caves within the company's area. Although the cave entrances were heavily reinforced with concrete and couldn't be sealed with demolition charges, the Marines guarded the openings and shot at the Japanese as they appeared. Not long after daylight, Company C began clearing the caves at the base of the escarpment, eventually regrouping with the rest of the battalion on the high ground. By 0800, the situation had stabilized, and the 17th Infantry held strong positions on Yaeju Dake. During the night, the Japanese had withdrawn their front-line troops from Yaeju Dake to escape the punishing artillery fire, intending to reoccupy it before the anticipated 0700 attack. Fifteen hours after the 32nd Infantry fought their way to the top of Hill 95, the 17th Infantry had executed a masterful night attack to seize their portion of Yaeju Dake. Throughout the day, the 2nd Battalion of the 17th Infantry relieved Companies I and K, and with Company L attached and supported by medium and flame tanks, continued the offensive. The 1st Battalion maintained its position, firing at enemy soldiers who were slow to realize that their defensive terrain had been lost. Company B alone accounted for sixty-three Japanese soldiers killed throughout the day. Taking advantage of this breakthrough, the 381st Regiment advanced to occupy the slopes of Yaeju Dake, while the 383rd extended the division front and secured Yuza. As the situation unfolded, Japanese troops maintained control over Big Apple Peak, which towered about sixty feet above the surrounding plateau. However, by the evening of June 12, the 7th and 96th Divisions had succeeded in forcing the reconstituted 44th Independent Mixed Brigade from the southeastern end of the enemy's line. General Ushijima acted swiftly, given the limitations imposed by his damaged communication system and the chaos among his front-line units. With his artillery nearly silenced by enemy bombardments and his supplies dwindling faster than his manpower, Ushijima's only hope lay in sending more troops into the relentless shellfire and flames unleashed by American forces sweeping across the frontline. His urgent order read: “The enemy in the 44th IMB sector has finally penetrated our main line of resistance. The plan of the 44th IMB is to annihilate, with its main strength, the enemy penetrating the Yaeju-Dake sector. The Army will undertake to reoccupy and hold its Main Line of Resistance to the death. The 62nd Division will place two selected infantry battalions under the command of the CG, 44th IMB.” Unfortunately, the 64th Brigade, the part of the 62nd Division that had shifted from Shuri to reserve positions near Makabe, didn't receive this order until late on June 13, a full thirty hours after it became critical. This piecemeal commitment of reserve troops proved to be grossly inadequate. By June 13, the 44th Brigade was teetering on the brink of destruction. When reinforcements finally arrived, they found the remnants of the 44th Brigade overwhelmed and absorbed into the reinforcing battalions, with still not enough men to hold the line. In a last-ditch effort, the enemy committed the main strength of the 62nd Division, his final reserve, with a desperate plea for cooperation and orders to "reoccupy and secure the Main Line of Resistance." However, by the time the 62nd Division moved onto the line, they ran headlong into General Hodge's forces, who were advancing southward across the coral-studded plateau. The Americans pressed forward, shielded by the fire of machine guns and tanks, advancing over the bodies of Japanese defenders who had fought fiercely to hold their last stronghold "to the death." On June 13, General Arnold resumed his assault against the rapidly disintegrating 44th Independent Mixed Brigade. The 32nd Regiment successfully secured the Hill 95-Hanagusuku area, while the 17th Regiment expanded its control over the escarpment's summit. To the west, May's 3rd Battalion and Halloran's 2nd Battalion struggled to capture the top of the escarpment despite repeated attempts. However, they significantly diminished the defenders' strength with a relentless volume of covering fire. At the same time, May's 1st Battalion advanced through Yuza and swept southward to successfully secure Ozato. Meanwhile, General Del Valle prepared to commit the 1st Marines to the fight on Kunishi Ridge, as the isolated 7th Marines continued to be pinned down by heavy Japanese fire, relying on tanks for supplies and evacuation. Further north, the 29th Marines launched an attack southeast to eliminate the enemy pocket, while Shapley's 3rd Battalion moved swiftly toward the beach, progressively chasing the demoralized Japanese forces from the thick brush and marshy terrain along the waterfront. As they reached the sea wall, the assault turned into a rout. Some of the enemy threw down their arms and fled at the Marines' approach. Large numbers surrendered; but some fought back with hand grenades in desperate, individual last ditch stands, while many more used grenades to destroy themselves in despair. The sea wall was reached at noon, and the remainder of the day was spent running to earth small groups hiding in the cane fields and rice paddies. In the late afternoon General Shepherd notified General Geiger that all organized resistance on Oroku had ceased. In the early hours of June 14, Mason's 2nd Battalion advanced toward Kunishi Ridge, tenaciously fighting their way to positions east of the 7th Marines, which remained isolated. Simultaneously, Shepherd's reinforced Reconnaissance Company successfully landed on Senaga Island, completing the occupation of the Oroku Peninsula. Looking south once again, May's 1st Battalion completed the cleanup in Ozato but soon had to withdraw from its vulnerable position, while the rest of the 383rd Regiment pressed forward to the edge of the escarpment west of Yaeju Dake. To the east, despite heavy mortar and machine-gun fire, the 381st Regiment maintained constant pressure on the northern face of Yaeju Dake, finally reaching the top of the escarpment by nightfall. Their success allowed them to link up with the 7th Division, which dealt a crushing blow to the 13th Independent Battalion, advancing approximately 300 yards across the front. After a night of disorganized counterattacks and infiltration attempts, the 7th Division launched an assault toward Hills 115 and 153, advancing about 1,200 yards and reaching the outer slopes of the hill positions. To the west, the 381st Regiment and May's 3rd Battalion successfully secured the escarpment between Yuza and Yaeju Dake, although the remainder of the 383rd struggled to move forward due to heavy fire from Yuza Dake. On Kunishi Ridge, the pressure from the Japanese remained relentless, restricting the 7th Marines to only minor local gains. However, Mason's 2nd Battalion managed to inch its way along the ridge, successfully extending the line by about 200 yards to the east. Behind them, Colonel Griebel's 5th Marines began to relieve the weary 1st Marines, with Griebel's 2nd Battalion finally moving forward during the night to support Mason's isolated 2nd Battalion. On June 16, after an intense bombardment of artillery, mortars, and rockets, the 7th Marines finally broke through. Snedeker's 1st Battalion advanced along the northern slope of Kunishi Ridge, while the 2nd Battalion extended the line into the initial high ground of the Mezado hill mass. Concurrently, Griebel's 2nd Battalion advanced, making slow but steady progress until they secured a coral peak on the ridge that commanded their position. To the east, the 62nd Division, attempting to move from its reserve locations southwest of Makabe to support the faltering Japanese lines, faced devastating fire from artillery, ship guns, and aerial bombardments of rockets and napalm. Seizing the opportunity created by the relentless bombardment of enemy rear areas, Bradley launched his battalions through the Yuza Dake perimeter. Colonel Dill's 382nd Regiment pushed through the 383rd and advanced toward Ozato, aiming to gain control of the high ground southwest of Yuza, while May's 3rd Battalion successfully captured Yuza Dake. Additionally, the 381st Regiment gained approximately 600 yards along its front, reaching the saddle between Yuza Dake and Hill 153. Meanwhile, the 17th Regiment pressed onto the forward slopes of Hill 153, and the 32nd Regiment, driving down the coast, took Hill 115, effectively eliminating the 15th Independent Mixed Regiment. Back at sea, despite a significant depletion of Japanese air strength, a kamikaze attack succeeded in sinking the destroyer Twiggs.  But now, it's time to leave Okinawa and turn our attention to Borneo, where we continue covering the Australian offensive. As we last noted, by May 6, Brigadier Whitehead's 26th Australian Brigade had successfully landed on Tarakan, pushing the Japanese garrison into the island's rugged interior. By the evening of 6th May fairly copious information obtained from prisoners and Indonesians and from captured documents indicated that the enemy had about 390 naval troops in the Mount Api area, about 400 troops and civilians in the Fukukaku headquarters area (embracing Hills 105 and 102), 200 from Sesanip along Snags Track to Otway, 300 on Otway and in District VI, 300 in the Amal River area and 60 at Cape Juata. Having lost the airfield and the water-purifying plant and hospitals "the enemy at this time was displaying a decided disinclination to hold ground. In particular he was shunning any ground which could be subjected to heavy bombing, shelling, or attack by tanks; or against which large-scale attacks could be launched by our troops"; and he was directing his operations to delaying the attackers, particularly with mines, booby-traps, suicide raids, and isolated parties fighting to the death in tunnels and dugouts. The 4th Company of Tokoi Force (IJA) plus the 1st Company of the 2nd Naval Guard Force were on Hill 105, Margy and Janet; the 1st Company of Tokoi Force, and other troops were on Hill 102. In the north was a composite group. To secure the recently captured airfield from potential counterattacks, raids, or indirect fire, Brigadier Whitehead decided to deploy the 2/48th Battalion to gain the high ground north of the town, reaching up to Snags Track. The 2/4th Commando Squadron was tasked with advancing along Snags Track toward the Sesanip oilfields, while the 2/3rd Pioneers were assigned to sweep the high ground east of the town and move along John's Track to the mouth of the Ama River. Meanwhile, the Dutch company was to clear the unoccupied Cape Batu peninsula, a task that proved surprisingly straightforward. In the Mount Api area, however, the 2/23rd Battalion faced fierce resistance, particularly at Tiger and along Crazy Ridge, resulting in minimal progress until they were relieved by the 2/24th Battalion on May 9. Further to the right, the 2/48th Battalion seized Otway without opposition, and the commandos successfully cleared Snags Track up to Haigh's by May 8, though tanks could not advance any further. The pioneers, on the other hand, encountered heavy resistance along John's Track, which they couldn't overcome until May 9. That day, a long-distance patrol from the 2/24th Battalion also succeeded in driving the Japanese out of the Juata oilfields after a skirmish. On May 10, while the 2/48th and the commandos patrolled aggressively forward, the pioneers began their assault on the heavily defended Helen feature, which would successfully repel repeated Australian attacks for the next five days. Simultaneously, the 2/24th faced strong resistance in the Mount Api area but tenaciously pushed forward to Hill 105 on May 11, capturing Tiger the following night. They conducted patrols that probed about 1,000 yards southeast, cutting Snags Track at several points. On May 12, the 2/48th set out to cut King's Track and clear the heights from Sykes to Butch. The next morning, they successfully attacked and captured the knoll north of Snags Track. Meanwhile, following a highly effective air bombardment, the key Helen feature was found abandoned on May 15. This allowed the pioneers to clear John's Track and reach the coast at the mouth of the Amal River. Concurrently, the commandos secured the Agnes feature, followed by the 2/24th Battalion's capture of Elbow on May 16. The remaining positions on Hill 105 were then subjected to intensive bombing and bombardment, leading to an Australian assault on May 19. They finally captured the feature the following day. In the meantime, the 2/48th Battalion moved to Agnes to attack the Freda feature on May 14.  It was now evident that if the Freda hill was to be taken the attack must have heavier support. Therefore, on 22nd May, 12 Liberators and 12 Lightnings were sent out with bombs and napalm, but the cloud was so low that some of the heavy bombers did not find the objective. Then the artillery and mortars fired, and a two-company attack went in, the infantry moving very close behind the barrage. Gooden's company thrust from the east, and Captain Nicholas's advanced with one platoon pushing east along Snags Track towards Track Junction Knoll and another pressing north. The former platoon (Lieutenant Harvey), moving through very difficult country along a razor-back so narrow that only two men could be deployed on it, edged forward under heavy fire; after losing one killed and 4 wounded and finding the enemy becoming stronger Harvey manoeuvred out of this position. It was then found that a wounded man was not with them, so Harvey and three volunteers thrust back and engaged the enemy fiercely while the wounded man was carried out. During the day Gooden's company on the right had encountered two strongly-held knolls. Derrick's platoon succeeded in cutting the saddle between them and taking one knoll. Derrick's platoon and another launched “a most courageous attack up the steep slopes of Knoll 2 in the fading light. Here, in some of the heaviest and most bitter close-in fighting of the whole campaign these two platoons finally reached the top and secured the Knoll after inflicting heavy casualties on the enemy.... [Lance-Sergeant] Fennells time and again ... crawled ahead of the attacking troops, even to within five yards of the enemy, and gained vital information. On one occasion, when his section was forced to ground he had charged the Jap positions with his Owen gun blazing and had silenced the enemy post, killing the occupants. In a similar manner, Private W. R. How found the advance of the troops checked by a well-sited pill-box, raced forward with his Owen firing until within grenade range, and then, throwing grenades, moved in for the kill until he fell wounded. He had silenced the post and killed the machine-gunner, thus allowing the advance to continue.” At this stage 28 enemy dead had been counted; one Australian had been killed and 15 wounded.  Unfortunately, the Japanese counterattacked the following day, effectively recapturing the position. Following a devastating combination of air and artillery bombardment, the Australians managed to secure Freda and Track Junction Knoll on May 25. During this time, the 2/23rd Battalion remained in close contact with a resolute enemy at Janet and Margy but struggled to make significant progress. The 2/24th Battalion continued probing northward and captured the Droop feature on May 26. After another failed attack on May 29, a heavy air and artillery bombardment supported the 2/23rd as they finally captured Margy on May 31. Concurrently, the 2/24th successfully attacked and held the Poker Hills. On June 1, the 2/48th Battalion then attacked Hill 102, supported by aircraft and machine-gun fire. Lieutenant O'Rourke's platoon attacked, following an artillery barrage as closely as they could, and bringing with them three flame-throwers. They gained the forward slopes without being fired on and then saw five Japanese moving towards them, evidently to re-enter their positions after the bombing. These were fired on while the flame-throwers were brought into action. One operator sprayed the slope from side to side while another fired straight up it. “The result was devastating (said O'Rourke later). The hill was set completely ablaze to a depth of 50 yards, two of the five Japs were set on fire and the other three killed in their posts. The platoon was able to advance almost immediately through the flames, and with the help of the flame-throwers the feature was com-pletely captured within 15 minutes of the advance commencing. The flame which was fired up a slight rise hit the trees on the crest and also sprayed the reverse slope and had the effect of completely demoralising the enemy.“ While the Australians launched an unsuccessful assault on Wally, the 2/23rd Battalion was engaged in clearing out the remaining Japanese forces from Margy and its surrounding areas. On June 6, the Australians finally secured Wally, and the 2/24th Battalion also managed to capture Roger. In the early hours of June 10, the Japanese launched a counterattack toward Hill 105, but it was easily repelled. At the same time, the defenders began preparing for a withdrawal northeast into the island's interior, planning to split into independent groups to wage guerrilla warfare. Despite the looming withdrawal, Whitehead's battalions commenced attacks on Beech 2, Joyce, and Linda on June 11. However, progress was slow over the next three days, with the only notable achievement being the capture of Sandy on June 13. By nightfall that day, the Japanese finally began their withdrawal, leaving behind only rearguards to hold the crucial Essie Track. This allowed the Australians to capture the abandoned features of Linda, Joyce, Clarice, Hilda Paddy, Melon, and Aunty on June 14. The next day, the Australians took Nelly and Faith, but the Japanese rearguard on Essie Ridge managed to temporarily halt their pursuit. Eventually, however, Essie Ridge was overrun, and by June 16, Fukukaku was cleared. The 2/48th Battalion then pursued the Japanese as they fled eastward from Essie. On June 18, they caught a few but found that a large group had scattered into smaller parties. By June 19, patrols were radiating east, north, and west in pursuit, with Japanese forces standing firm at several points. Ultimately, the fall of Hill 90 on June 20 marked the end of organized resistance on Tarakan. Following this victory, Whitehead initiated a mop-up operation that would continue until the war's end. While the 26th Brigade was fighting to secure Tarakan, General Wootten's 9th Australian Division was preparing to launch the invasion of the Brunei Bay area of north Borneo, codenamed Operation Oboe VI. At the Manila conference in April General Morshead had learnt that OBOE I (Tarakan), OBOE VI (north Borneo) and OBOE II (Balikpapan) were to be carried out in that order. 34 LSTs would be allotted for OBOE VI but had to be released by 23 days after the landing. There were other fairly severe restrictions on the vessels available: the one boat battalion of the American Engineer Boat and Shore Regiment and the one amphibian tractor battalion allotted to OBOE VI had to be used for Balikpapan. Morshead and his staff arrived back at Morotai from Manila on April 21 and next day the Corps issued its staff study of the north Borneo operation, and the 9th Division's staff, which from April 4 to 17 had been planning an operation against Balikpapan, began preparing an outline plan for an attack on Brunei Bay instead. This was presented to Corps and approved on April 26; the final plan, which contained no major changes, was approved on May 16. Meanwhile a variety of problems had arisen at the Corps level and above. On May 1, 2200 troops and 1200 vehicles (including guns) of the 9th Division were still in the Cairns or Atherton areas awaiting shipment, and some of the stores and equipment were not scheduled to arrive at Morotai until May 25, two days after the proposed date of the landing. It also appeared that, on the day of the landing, the 24th Brigade would lack some unit stores and vehicles, and the 20th Brigade would possess only one battalion; there would be no field or anti-aircraft guns, a shortage of signal vehicles and equipment, no equipment for building wharves and bulk oil storage, and neither of the casualty clearing stations allotted would be present. Due to a series of issues at the Corps level and above, the invasion plan had been scaled down to a landing by a brigade on Labuan Island and just a battalion on Muara Island, with the operation further postponed to June 10. The strategy involved landing Brigadier Selwyn Porter's 24th Brigade on Victoria Harbor's Brown Beaches to capture the Labuan airfield and eliminate all hostile forces on the island. Simultaneously, Brigadier William Windeyer's 20th Brigade would put ashore the 2/15th Battalion on Muara Island's White Beach and the 2/17th Battalion on Brunei Bluff's Green Beach. These units were tasked with capturing Brooketon and securing the southern and western sides of Muara Island, setting the stage for an advance on Brunei Town. Upon capturing these objectives, the 9th Division was to occupy and defend the Brunei Bay-Beaufort area and take control of the Miri-Lutong-Seria regions. Once again, Admiral Barbey's Naval Attack Force, primarily comprising Admiral Royal's transports and Admiral Berkey's cruisers, was designated to facilitate the amphibious movement of troops to Brunei Bay. In preparation for the invasion, American and Australian air forces, under General Kenney's command, targeted airfields and other military installations, focusing particularly on destroying bridges on the railway to Jesselton to prevent the arrival of reinforcements to Labuan by rail. On June 4, Barbey's convoy finally departed Morotai, embarking on its 1,100-mile voyage to Brunei Bay. Air attacks intensified on June 5, successfully rendering the Papar River bridge unusable. Four days later, on June 9, the air campaign reached its peak: 54 Liberators and 24 Mitchells launched strikes against targets on Labuan, while 23 Liberators targeted the Brooketon area. In the meantime, minesweepers successfully cleared a channel into the bay, destroying 69 mines between June 7 and 9. Berkey's cruisers sailed ahead and shelled the Brown, White, and Green Beaches in the two days leading up to the landings. The convoy finally arrived at the main channel between Labuan Island and Brunei Bluff just before sunrise on June 10, fully prepared to execute the invasion. Opposing them, General Baba's 37th Army had assembled General Nozaki's depleted 56th Independent Mixed Brigade in the Brunei Bay sector. This included two battalions near Brunei, one at Beaufort, and one garrisoning Labuan. Additionally, the 553rd Independent Battalion was stationed in the Miri area; however, none of these units were equipped to make a stand at the beaches. At 08:15, Barbey's warships commenced a bombardment of the southern beaches as the troops were loading onto the landing vessels. Shortly after 09:05, the first waves began to advance, preceded by craft firing rockets and artillery. As anticipated, there was no opposition on the landing areas. The 2/15th Battalion successfully reached the shore at 09:15, followed by the 2/17th Battalion, which made landfall three minutes later, approximately 1,000 yards east of its intended location. By dusk, the 2/15th had scoured the swampy terrain of Muara Island and reported no Japanese presence. The 2/17th pushed forward a few miles along the road to Brunei, while the 2/13th Battalion landed and moved into reserve behind the 2/17th. Meanwhile, the 2/28th Battalion landed without incident at 09:15 and quickly secured Labuan town, with the 2/43rd Battalion following ashore at 09:20 to initiate the advance toward the airfield.  There was no opposition until 10:45, when the leading troops came under rifle fire just south of Flagstaff Hill. This post was quickly bypassed and taken, but the Australians continued to face strong resistance from the 371st Independent Battalion. Despite this, the defenders could not prevent the 2/43rd from capturing the airfield by nightfall. During the day, Porter also landed the 2/11th Commando Squadron on the unoccupied Hamilton Peninsula, with one troop initiating a move north along Charlie Track. On June 11, while the 2/43rd patrolled north and west, overcoming some opposition, the 2/28th slowly advanced toward the Able and Baker routes, where they encountered the bulk of enemy resistance. Meanwhile, after repelling an enemy patrol overnight, the 2/17th continued its advance to Brunei unopposed, with a company from the 2/15th moving up the Brunei River to land about four miles downstream from the town. The following day, the 2/17th reached and seized the airstrip, finally encountering defenses manned by the 366th Independent Battalion. On Labuan, the 2/43rd moved unopposed to Hamilton Road and successfully linked up with the commandos, leaving behind one company and three tanks to destroy a bypassed stronghold to the northwest. At the same time, the 2/28th probed the strongly held area astride MacArthur Road and to its west, making good progress to compress the resilient enemy into a pocket. On June 13, although the 2/43rd occupied an emergency airstrip at Timbalai, the primary objective remained to continue compressing the enemy into "the Pocket" and mop up the remainder of the island. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. Australian troops, under Brigadier Whitehead, landed on Tarakan, swiftly overcoming Japanese strongholds. By May 20, they began the North Borneo Offensive, achieving significant territorial gains amid brutal combat. As Japanese forces faltered, some surrendered, signaling a turning tide. The campaign showcased immense courage and sacrifice, with heavy casualties on both sides, ultimately paving the way for Allied victories in the Pacific theater.

Text Abby and AlanWritten by Jacob Steven Mohr. Starring Denali Bartell, Sarak Luke and Mike Macera. Direction and sound design by Abby Brenker (with the help of Alan Kudan.)Sound engineering and mixing by Alan Kudan. Enjoy your Summer! Get Lunatics Merch here. Join the discussion on Discord. Check out Abby's book Horror Stories. Available in eBook and paperback. Music by Michaela Papa, Alan Kudan & Jordan Moser. Poster Art by Pilar Keprta @pilar.kep.Follow us on TikTok, X, Instragram and YouTube. Join the conversation on Discord. Support us on Patreon. Support the show

Becca Berkey is back to chat about her journey since her appearance on The Life Shift. We dive right into the heart of the conversation, exploring how her experiences have shaped her perspective on vulnerability and connection. Becca reflects on a pivotal moment from her childhood that introduced her to the concept of shame, and we discuss how those early experiences can influence our adult lives. There's a lot to unpack about how sharing our stories can foster deeper connections and understanding among us. Plus, she shares some exciting life updates, including her new dual role at the university and the lessons she's learning along the way. It was a real treat to catch up with Becca and see how her journey continues to unfold.The Life Shift RewindI'm excited to share bonus episodes from Patreon, where I revisited past guests to discuss what has changed and the value of sharing their stories. Since I currently only have the lower tiers available, I wanted to make these conversations accessible to the public feed. If you'd like to support the show directly, please consider joining the $3 or $5 tier on Patreon – www.patreon.com/thelifeshiftpodcast. This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy

In this episode I was joined by Jeff Gleason who has been a stead fast supporter of the show for more well over a decade and a half. He is of course the famous “Berkey Guy” and in this episode he joined us to discuss the role water should play in our prep planning and our daily lives. Today's episode of Friday Flashbacks was originally published on 12-14-11 and was originally Episode-803- An Interview with The Berkey Guy. The show notes for the original episode with all relevant resources can be found here. Welcome to Friday Flashbacks, after 16 years … Continue reading →

The Final Episode Ft. Jason Sommerville, Nikki Limo & More! _ Only Friends Pod Ep 719 _ w_Berkey by Solve For Why

On today's episode Laura discusses:Whether a Berkey water filter is good enough—or if you need to upgradeMy take on coffee enemas, parasite cleanses, and the idea of “detoxing”How stress and liver health can show up as eczemaAdding in dairy with a dairy allergyWhat I recommend for painful breast swelling in the luteal phasePeriod pain and endometriosisCycle syncing your workouts without falling into guilt or perfectionismWhat to do if you're dairy-free but still want to nourish your metabolismAnd for those of you who feel called to help others heal—some thoughts on getting started in the world of functional or holistic healthLast Chance: Register for the Adrenal Fatigue + Stress WorkshopTimestamps:[6:15] Berkey Water Filters, Coffee enemas, and Parasite Cleanses[16:31] Eczema[22:38] Functional Nutrition Education[29:37] Adding in Dairy with a Dairy Allergy[33:58] Fibrocystic Breasts + Cycle Syncing Workouts[44:25] Period Pain + Prostaglandins___________Submit your questions to be answered on the show to wildwellfed@gmail.comLaura's Info:Instagram: @wildlyonswellnessWebsite: www.wildlyonswellness.comCourse + Products:Wild + Well-Fed Course -  Listeners get $50 off with code PODCAST Wild + Well-Fed Shop - Coffee, Matcha, and Sea SaltRewild Your Gut Course Interested in becoming a client and working with me?Learn more about the process at www.wildlyonswellness.com or email me at wildwellfed@gmail.com

Poker's Unwritten Rules Only Friends Pod Ep 695 W Berkey by Solve For Why

Berkey's Beginnings In Bobby's Room Only Friends Pod Ep 696 W Matt Berkey by Solve For Why

Battle at the Berkey

Emergency Water Storage and Purification | Episode 341 Water is the foundation of survival. You can go weeks without food, but without water, you're in serious trouble within days. In this episode, we'll dive into the essentials of emergency water storage and purification, ensuring you're prepared for any crisis. Water Storage Basics The first step in water preparedness is storage. You'll need at least one gallon of water per person per day for drinking, cooking, and hygiene. For a family of four, that's 28 gallons per week! Options include large barrels, stackable water containers, or repurposing food-grade containers. Purification Techniques Even with stored water, contamination can happen. Have a few purification methods ready. Boiling water is simple and reliable, but it requires fuel and time. Filters, like those from Berkey or Sawyer, are portable and effective. Chemical treatments, such as water purification tablets or bleach (unscented, 5.25-8.25% sodium hypochlorite), are another backup. Just remember, 2 drops of bleach per quart will do the trick. Overcoming Challenges Freezing temperatures can ruin stored water, so insulate your containers if you're in a cold climate. For long-term storage, consider adding water stabilizers to prevent bacterial growth. Rainwater collection is another excellent option. The Prepper's Mindset How much water is enough? More than you think. Water isn't just for drinking; it's for cooking, cleaning, and even barter in a pinch. Take inventory of your family's needs, factor in pets or livestock, and build a solid water plan. With proper storage and purification, water won't be your weakest link in a crisis—it'll be your greatest asset. Tune in to learn more!

How can authenticity, kindness, and a focus on guest satisfaction drive success in the hospitality industry? In this inspiring episode of The Modern Hotelier, hosts David and Steve sit down with Bart Berkey—founder and CEO of Most People Don't, international keynote speaker, podcast host, and bestselling author. Bart shares his unique journey from growing up in Pittsburgh to becoming a global executive for Ritz Carlton, and now, an entrepreneur empowering individual to do what most people don't to achieve professional and personal success.Discover how Bart's passion for guest satisfaction and authentic connections shaped his career, hear his key lessons from the luxury hospitality industry, and learn practical insights on creating unforgettable guest experiences, overcoming industry challenges, and becoming an exceptional leader.Packed with actionable advice, heartwarming stories, and Bart's contagious positivity, this episode is a must-listen for hoteliers, entrepreneurs, and anyone aspiring to make a meaningful impact.Key Highlights:The power of focusing on service excellence and customer-centricity.How Bart's book Most People Don't and Why You Should inspires better living.Leadership lessons from the Ritz Carlton that apply to any industry.Tips for staying ahead of hospitality trends in 2025. Watch the FULL episode now on YouTube for a dose of inspiration and practical wisdom: https://youtu.be/kq98F-bC_3wJoin the conversation on today's episode on The Modern Hotelier LinkedIn pageThe Modern Hotelier is produced, edited, and published by Make More MediaLinks:Bart's on LinkedIn: https://www.linkedin.com/in/bartberkey/Bart's Website: https://www.bartaberkey.com/Bart's Book: https://www.amazon.com/dp/B09L4NZWMZ/ref=cm_sw_em_r_mt_dp_6D7Q6NKDX3NE2YKF2A62/Bart's Podcast: https://www.bartaberkey.com/podcastFor full show notes head to: https://themodernhotelier.com/episode/130Follow on LinkedIn: https://www.linkedin.com/company/the-...Connect with Steve and David:Steve: https://www.linkedin.com/in/%F0%9F%8E...David: https://www.linkedin.com/in/david-mil...

[Recap] Ivey & Berkey Win Over $500k! Only Friends Pod Ep 665 Solve For Why by Solve For Why

Helping others with addiction is a challenge, but through God's word you can find different actions to take in order to help others. In part two of this series, Pastor Berkey and Pastor Teis discuss ways the Bible provides answers in helping friends and loved ones with addiction. To learn more about Teis Family Ministries, please visit: davidteis.com

Berkey In The Bin For A $90k River Decision Only Friends Pod Ep 642 Solve For Why by Solve For Why

Berkey In The Muck Breakdown With Jesse Sylvia Only Friends Pod Ep 640 Solve For Why by Solve For Why

Helping others with addiction is a challenge, but through God's word you can find different actions to take in order to help others. In this episode, Pastor Berkey and Pastor Teis discuss ways the Bible provides answers in helping friends and loved ones with addiction. To learn more about Teis Family Ministries, please visit: davidteis.com

Black Friday Deals for Preppers and Survivalists Black Friday is a golden opportunity for preppers to stock up on vital gear and supplies while saving money. If you've been waiting to enhance your readiness, this shopping season offers discounts on essentials. Below are key categories to guide your purchases, with detailed suggestions to maximize your preparedness. Food and Water Supplies Stock up on long-term food storage like freeze-dried meals or MREs from brands like Mountain House or ReadyWise. Water filtration systems, such as LifeStraw or Berkey filters, are often discounted, as are tools for food preservation like dehydrators and vacuum sealers. Emergency Tools and Gear Deals abound on multi-tools and knives from brands like Leatherman or Gerber, essential for versatile use. Flashlights, headlamps, and comprehensive first-aid kits are also worth adding to your preparedness kit during sales. Power and Energy Solutions Look for portable solar panels from Goal Zero or Jackery, power banks, and compact gas or solar-powered generators. Don't forget rechargeable batteries and chargers to keep your devices running during emergencies. Shelter and Protection Camping gear, including tents and sleeping bags, can double as survival essentials and often come with steep discounts. Winter clothing, like thermal layers and gloves, and home security tools such as cameras or motion detectors are also valuable investments. Communication and Navigation Two-way radios from Baofeng or Midland and emergency radios with solar or crank power keep you informed in a crisis. GPS devices with offline navigation capabilities are excellent for outdoor or grid-down scenarios. Check the Show Notes for Specific Deals While podcasting on the go, I can't mention exact deals here, but I've included links in the show notes to help you find discounts on these items. Use this Black Friday to prepare smarter, not harder!

After the storm, getting the generator going early and setting up the hand pump for the well made all the difference. A quick project with leftover well pump wire turned into a solid clothesline—an unexpected but handy addition that Carla LOVED. Through it all, AT&T held strong, and Starlink was exceptional. If you're interested, see below for a link featuring a free month for both you and me. It felt like living a real-life episode of "Prep Comms." The ZBM2 Industries antennas are outta sight—thanks, Deric! While the local 2m repeater was down, it didn't hold us back; we had the gear ready, so radio wasn't top of my mind. That's one big lesson: when you've prepared well, the need for comms isn't a distraction, freeing you to focus on other tasks. The WLN KDC1 handheld radios continue to be incredibly reliable and cost-effective, with GMRS as our go-to system for family comms. It's a perfect service that doesn't require any testing, making it ideal for family use. Though I used my ham radios sparingly, they came in handy for checking in on 40m HF (JS8Call) and daily Winlink check-ins over VHF Packet. Just North of us the Mt. Mitchell Ham Repeater was a true lifeline, saving lives daily. Be sure to watch KM4ACK Jason's video, linked below, about the welfare nets on this repeater. Locally, our phones worked well, so ham radio took a backseat for us, though just 45 minutes away, it was a crucial lifesaver. Brother-to-brother comms on CB were also reliable, showing that there's a role for every communication method. And while I stayed busy with work, the family stepped up; we learned countless lessons that we'll carry forward. Although some coax-internet is still down, Verizon failed most while ham radio absolutely shined across North Carolina. The BTech 6x2Pro proved essential for both farm and fire department communications. This experience underscored the value of preparedness and inspired us to add an ECOFLOW 2700W solar generator to back up our primary generator. No matter where you're starting from, take that first step toward readiness. Don't be discouraged—I'm here to help! That Simple Pump from Scott Hunt (Practical Preppers) was a true lifesaver, keeping water flowing through it all. Men, husbands, dads—let's get you started! Plan C Solutions and The Family Radio Guy are coming soon to help you and your family prepare for the upcoming unknown. And if you're looking for quality water filters, check out Hub City Mercantile for your Berkey replacement filters.   KM4ACK Helene Net Video! (Must Watch!) BTech 6x2Pro : https://amzn.to/4htGNTj Baofeng UV21: https://amzn.to/4fp4VFr BTech GMRS V1: https://amzn.to/3YZaPY5 Btech MURS V2: https://amzn.to/40v2Hzr WLN Micro Handi : https://amzn.to/4elglss Uniden Home Patrol Scanner Water Bob : https://amzn.to/4etzQiB Ecoflow 2700 : https://amzn.to/4f7OaOR Starlink (1 mo free for you and me) Simple Pump: Hand Well Pump        

Brent Hanks & Jeff Platt Join Us In Studio Only Friends Pod W Berkey Ep 602 Solve For Why by Solve For Why

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$10,000 NAPT Gold Pass Giveaway! Only Friends Pod W Berkey Ep 600 Solve For Why by Solve For Why

Brent Hanks & Jeff Platt LIVE In Studio Only Friends Pod W Berkey Ep 598 Solve For Why by Solve For Why

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Join TravelBoom for an amazing conversation with Bart Berkey. Bart brings decades of hotel management experience, award winning author, host of “Most People Don't… But you Do” podcast and TEDx Speaker. SHOW NOTES AND MORE!https://www.TravelBoomMarketing.com/podcast

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Text us your questions to answer on a future episodeJennie is joined by her friend Tristan Berkey, a born and raised Alaskan and current Juneau resident. Tristan shares about growing up off grid, living on a sailboat in high school, what it's like to move from Ketchikan to Fairbanks and her favorite things about Juneau and Ketchikan.Support us on Patreon as a free or paid subscriberShop all our Alaska Travel planners and premade itinerariesBook a trip planning session with JennieTristan's jewelry (and more) on EtsyJennie's three day Juneau itineraryFollow Jennie on InstagramMusic credits:  Largo Montebello, by Domenico Mannelli, CC.

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THE VIBE with Kelly Cardenas presents Meet Bart, the renowned TEDx motivational storyteller who has taken the speaking industry by storm. Bart's unique trademarked "Most People Don't" approach is transforming the way people view their potential and empowering them to take action. With his keen observational skills and unwavering focus on others, Bart draws from his extensive experience in the service industry, including his tenure as a global executive with Ritz-Carlton. Bart's inspirational message has captivated audiences worldwide, earning him a spot as a bestselling author on Amazon, with his book ranking in the top 1% of sales. Additionally, his podcast has been recognized as one of the top 15% most shared podcasts in the world. He was recently awarded "The Best Luxury Keynote Speaker & Podcast Host" and "Keynote Speaker of the Year" . In addition, he was also nominated by Forbes for their "Next 1000" list, celebrating entrepreneurs and start-ups in America. Bart is recognized as one of the "Top 25 Most Extraordinary Minds in Sales and Marketing. " As a speaker, Bart brings a fresh and innovative perspective to the table, inspiring individuals and companies to step outside of their comfort zones to develop in meaningful ways. With his proven track record of motivating people to achieve their goals, Bart is the perfect addition to any conference. Don't miss the opportunity to hear from one of the most dynamic and captivating speakers in the world. BESTSELLING BOOK “THE VIBE- the missing ingredient that changes everything” https://a.co/d/0PzQk6F JOIN THE VIBE COMMUNITY Https://store.kellycardenas.com/kelly-cardenas-membership BE SURE TO CHECK OUT THE PODCAST MERCH http://KellyCardenasMerch.com Thank you to our sponsors FINDLAY VOLVO CARS LAS VEGAS Findlay Volvo Las Vegas Tableone hospitality Tableonehospitality.com THE MINA GROUP https://www.michaelmina.net Https://www.Secretknock.co Cardenas Law Group https://www.cardenaslawgrouplv.com BLING SHINE SERUM-The #1 seller of over 15 years and the only product to be endorsed by my MAMA! MORE KELLY HTTPS://SOLO.TO/KELLYCARDENAS “JOY IS THE ART OF FALLING IN LOVE WITH YOUR CURRENT CIRCUMSTANCES AND ALLOWING MAGIC TO HAPPEN!” EXECUTIVE PRODUCER BROOKLYN CARDENAS https://www.brooklyncardenas.com/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/kelly-cardenas/message

A diagnosis requires change! Treatment gets rid of the cancer, but it doesn't change the terrain the cancer was thriving in.  The factors that make up our environment like hormones, nutrition, stress, inflammation are all asking to be addressed.  Changes I made: 1. I started looking are what I was putting IN my body - What I was consuming. 2. Minimizing stress in my life as much as possible (meditation & breathwork helps so much with this!) 3. Changed my drinking water & stopped drinking from plastic water bottles. I first purchased a Berkey water filter, buut now I have reverse osmosis with the minerals put back in. 4. Started looking at what I was putting ON and AROUND my body - Started swapping out everyday products I was using at home.  Skin care and home care. Also purchased a ton of plants and an air purifier. It's also recommended to just open your windows for about 20 mins a day Here's the company where I get my skin care, home products and hydrate & detox. 5. Became more spiritual - This was hugely powerful having a true understanding, eliminates fear! 6. I changed the way I worked out! Instead of killing myself with my workouts and having my body in a constant state of fight or flight…I started being kinder. Walking daily! More restorative workouts. And of course lifting 3 to 4 days a week (our bodies need muscle. 7. I started drinking green tea like it was my job. Studies suggest that polyphenol in green tea inhibit growth of breast cancer cells. Book: Tea Hates Cancer FREE Download on Removing Toxins From Your Environment: HERE FREE Download of cancer fighting vegan recipes: HERE Join the RESET & RISE Cancer Community   HERE   The BLUEPRINT from Results to Rising details HERE Connect with me on Instagram: https://www.instagram.com/jendelvaux/ EMAIL ME: coachjennyd@gmail.com FAVORITE TEA: Pique Tea:  https://www.piquetea.com/?rfsn=5818415.d1d969a&utm_source=affiliate    

Join our live, virtual event for Memphis BRRRR properties on June 25th. Free. Sign up now at: GREmarketplace.com/webinar Compound interest in stocks gets worn down to less than nothing due to: inflation, emotion, taxes, fees, and volatility. I focus on the little-understood deleterious effects of volatility. DON'T focus on getting your money to work for you. Learn what to focus on instead. Compound leverage and OPM are the wealth-building flexes. We discuss how to use a lower down payment to achieve a potential 20% cash-on-cash return with the BRRRR Strategy. Join our live, virtual event for this at: GREmarketplace.com/webinar Resources mentioned: Join our live, virtual event for Memphis BRRRR properties on June 25th. Free. Sign up now at: GREmarketplace.com/webinar For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  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:   Keith Weinhold (00:00:01) - Welcome to GRE. I'm your host, Keith Weinhold. Compound interest is weak. What kind of iconoclastic heresy is that? Oh, I've got even more. Including. Don't get your money to work for you. This is a wealth building show. So why don't we discuss 401 days in IRAs here? It's precisely because they're not designed to build wealth. We'll get into that then. A way you can achieve higher property, cash and cash returns than you can with buy and hold real estate today and get rich education.   Robert Syslo (00:00:38) - 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 Wine, who writes for both Forbes and Rich Dad Advisors and delivers a new show every week. Since 2014, there's been millions of listeners downloads and 188 world nations. He has A-list show guests include top selling personal finance author Robert Kiyosaki.   Robert Syslo (00:01:06) - 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 get Rich education.com.   Corey Coates (00:01:23) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold (00:01:39) - We're going to go from Saint Helena Island to Helena, Montana and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get Rich education. Compound interest is weak. Compound leverage is powerful. And with both available to most anyone, why don't you have more leverage in your financial life? That was a long time listener. You probably understand that if you're a newer listener, your reaction to that is like, wait, what? I mean, your inner self is telling you something like that challenges my existing longtime belief about how compound interest builds wealth. In fact, I will fight to protect this core belief. Even Albert Einstein purportedly called compound interest the eighth wonder of the world.   Keith Weinhold (00:02:36) - All right, well, let's break down compound interest until it looks as impotent as it is, as pathetic as it is, and as fallacious as compound interest is in the sense that it applies to your life as an investor. Now understand, I once thought the same limiting way that perhaps you once did, and that most others still do. When I was out of college and at my first job, I thought that there could be nothing better than getting my money to work for me with compound interest. Oh, and then maybe even the layer on top of that with the tax efficiencies of, say, a 401 K, 400 3B4 57 plan or an IRA. Then I took a real interest in this stuff, and I soon learned that I don't want any of those things because they don't build wealth. I don't want compound interest. I don't want to focus on getting my money to work for me. And I don't want any of those government sponsored retirement plans either. And that's why today I don't have any of them now, I remember when I had this one particular appointment, a financial planning appointment a few years ago, and I had it with what I'll call a conventional financial planning firm.   Keith Weinhold (00:03:56) - Maybe I remember it so well because it was an in-person meeting. It was in a tall office building that I went to and visited in downtown Anchorage, Alaska. And when I was in this money manager's office where basically what he was trying to do is win me as a new client. That's fine. That's his business model. Well, he had this big paper and cardboard sort of laminated charts thing resting on an easel, and this chart was prominently placed in his office so that I or anyone could see it. It showed the rate of return over time of. And I forget which index it plotted. It was either the Dow or the S&P, but no matter. It showed the return line going up and to the right for over 100 years. Your classic chart go up. It gave the impression to a prospective new client like me that, oh well, I had the opportunity to buy into this. And if I just invest my capital with this money manager and pay him fees for managing it for me now, I was at the point where I was starting to become better educated on these sorts of things compared to a layperson, for sure.   Keith Weinhold (00:05:06) - And I had been a real estate investor for a while at this point. Well, that physical chart in his office resting on an easel, it showed something like an 8 or 10% stock market return over time. Let's just be kind and call it 10% annually. And that's the first time in my life that I ever remember asking the question when I asked that money manager something like the chart shows a 10% market return, but what would my return be after inflation? Emotion taxes, your fees and volatility. Mic drop. You could hear a pin drop. I'll tell you what. That money manager almost froze. He didn't know what to say. I just remember, he began his reply, starting with talking about how inflation was low at the time. And yes, CPI inflation was low at that time, but he just didn't have a good answer for me. He was overwhelmed. He may have not ever had anyone ask him a question like that in his life. That sure is how he acted. And needless to say, I left his office that day without ever becoming one of his investors.   Keith Weinhold (00:06:17) - All right, so then let's dig into it. I've scratched the surface a little. What is the problem with, say, a 10% average annual return compounded over time? I mean, that sounds rather attractive when it's presented that way. Well, first, what do you think that the real rate of. Long term inflation is some make the case that it's still 15% today, even though the current CPI is 3 or 3.5%, and anyone that's looked at it feels that measure, the CPI is understated. So what do you think you want to use 6%. How about 6% as the long term true diminished purchasing power of the dollar? Okay then will your 10% stock market return -6% or you're already down to a 4% inflation adjusted return? Then there's the emotional component to buy and sell at exactly the wrong time, because no matter what people say they're going to do, most people want to sell when stocks are low because they're discouraged and they're just tired of taking their losses and they want to cut their loss. And then conversely, people want to buy when stocks rise because they're encouraged and they say they're a momentum investor and they experience FOMO if they're not in and riding the stocks up, well, what did you just do then? You just sold low and bought high.   Keith Weinhold (00:07:42) - How much does that emotional effect drag down your 4% inflation adjusted stock return that were already down to now? I mean, are you already at less than zero? Then there's taxes. Even in a 401 or IRA, you either pay the tax now or you pay the tax later. It's not tax free. How far below zero is your real return? Now that it's taxed? The IRS won't adjust your tax for inflation on a capital gain. Then tack on the investment fees, which can be 2% or higher. If you've got a professional money manager like the guy I met with in downtown Anchorage, or the fees can be really low if you are in an index fund. But how far below zero are you now? And that brings us to the last drag on compound interest in the stock market. We're not even done yet, remember? Okay, all we've done now is deduct out inflation, emotion, taxes and fees. What about adjusting it down further for volatility. Let's look at how deleterious volatility is to this floored compound.   Keith Weinhold (00:08:48) - Interest builds wealth thesis right here. Because you know on a lot of episodes we've just glossed over that. It just comes down to math. If you're up 10% one year and down 10% the next year, you're not back to even run the math and you'll see that you've lost 1%. That's just simply math. And now I'm going to get wonky here for a moment, and I'll use a more extreme example to demonstrate my volatility point for you. But I must get that way in order to debunk this myth about how compound interest builds wealth, or the getting your money to work for you builds wealth. Time spent making up lost returns is not the same as positively compounding your return. Any time you're looking at the annual average performance of an investment, it is vital to check how that performance has been calculated. And bear with me here for a minute, because this is substantive. Say your collection of stocks or whatever it is, just your overall portfolio value. It doesn't matter. Say it's up 50% one year, down 40% the next, then 50 up 40, down 50, up 40 down again.   Keith Weinhold (00:10:05) - All right. That right there was a 5% average annual return. But your average annual return. That is a lie because a 5% return through arithmetic performance. That sounds better than what really just happened to your money. So in a mutual fund prospectus, you might see that as a headline number, the 5% average annual return. But that's a lie in the small print. That's where you're more likely to see this CAGR, the compounded annual growth rate, and the CAGR. That's usually going to be worse than what the average annual number is. That headline number. And in our example, the CAGR is -5.1%. In this case that's the geometric figure. That's what you really want to look at not the arithmetic one. It looked like the market was up 5%, but your real return on your money was down 5.1%, a delta of 10.1% then. And the more volatile your returns are, the wider and wider this difference becomes. Now, if there were zero volatility, your average annual return, the arithmetic thing and the CAGR, the geometric thing, they would be the same and there wouldn't be any need to have this discussion.   Keith Weinhold (00:11:35) - This discussion is. Germane because volatility exists in the stock market and its related derivatives. So small differences over time compound and see really the problem is over the decades in your conventional retirement account, if you think that you're going to be quadrupling your money over time, but you only double your money over time, now you can see how this becomes a major problem. Come time for your retirement when it's too late. All right. Now, if you didn't follow that part because there were a few numbers flying around, just remember this time spent making up for lost returns is not the same as positively compounding your return inflation, emotion, taxes, fees, and volatility that just broke down any conventionally invested nest egg to less than nothing. This is why volatility is worse for investments than most people think. Well, we had someone write in to our general mailbox a while ago. And by the way, we like to hear from you. You can always communicate with us here at GR either through email or voice at get Rich education.   Keith Weinhold (00:12:52) - Com slash contact that's get rich education comment. I'd love to hear from you and really appreciate having you as a listener. Well, a listener wrote in on our inbox. They're asking why, if we're a wealth building show, why don't we talk about the benefits of 401 or IRAs? Well, it's squarely because those things don't create wealth. They aren't even designed to build wealth, but they create the illusion of doing so, partly due to the myth of compound interest that I just explained. But there's more outside of any employer match for IRAs and just generally investing cash in mutual funds or stocks or ETFs, they all have another gigantic problem. It could be a problem even bigger than the compound interest fallacy, which I just addressed. And that is all you're trying to do is get your money to work for you. Getting your money to work for you does not build wealth. Show me some evidence that it does. All right. Well, what's the problem here with these 41K and IRAs? I think you know, where I'm going is that you don't get any leverage.   Keith Weinhold (00:14:06) - Where is your leverage? Every single dollar that you lock away there means that you don't get the opportunity to ethically use three x or four x of what you've invested in OPM, other people's money, which you can build wealth off of. Where is your compound leverage with those conventional vehicles? It's gone. It never existed in the first place. Plus there's typically zero monthly cash flow. Plus you could have it invested where you don't legally have to pay any tax. Instead any tax, because retirement fund investors either pay tax today or pay tax later. Real estate can permanently mitigate income tax like you can get with real estate depreciation and absolutely zero capital gains tax on your real estate with the 1031 exchange. But let's not let the compound interest versus compound leverage case go to rest here just yet okay. How does then compound leverage build wealth instead? Well, the most available means for you to get access to leverage OPM is with real estate. Well, let's just look at what's going on today. Today, per the Fhfa, national home prices, they're up 6.6% year over year.   Keith Weinhold (00:15:26) - That's the latest figure that's not too different than historic norms. All right then. Well, if one year ago you had made a 20% down payment on a property that's 5 to 1 leverage, so you just take your 6.6% home price appreciation rate multiplied by five, and there's 33% for you. You went from a 6.6% return on the asset to a 33% return on your money, because you got the return on both your money and the bank's money. The majority is from the bank, OPM. So if you got a 33% return in year one, maybe it's 26% the next year and 21% the following year. It will go down over time as equity accumulates. And that's compound leverage. That's the wealth builder. And notice what else? Now that you know how destructive volatility is to returns, there is less volatility in real estate asset values. So now you're really on the path because you have a durable wealth builder. And then of course in real estate those high leverage returns are one of just. Five ways you can expect to be paid, but that one is the biggest leveraged appreciation.   Keith Weinhold (00:16:41) - That is the biggest return source of the five over time. And now you better understand why you don't want to set up your investor life to optimize getting your money to work for you. You don't want that. It's to get other people's money to work for you. And my gosh, mathematics makes compound interest in getting your money to work for you look amazing. But the real world proves that compound interest in getting your money to work for you is a farce, and it will keep you working at a job, maybe a soulless job until you're old. But the sheep believe it. You're listening to this show, so you're not a sheep. You're not among the masses. If you do what everyone else does, you'll only get what everyone else got. If you want wealth for yourself. All right, well, then, do you see that? You would have to think differently. And do you think that you would have to learn new things and then act differently than the masses? Well, yes, of course you do.   Keith Weinhold (00:17:41) - You can either go through life as a home run hitter or as a bunter. Most people are afraid to do anything other than learn how to be a bunter. And that's why the most popular personal finance platforms give the worst advice that limit you and keep you small. It's because they're talking to people with average or below average mindsets, not below average intelligence, but an audience of average or below average mindsets, which are the masses and they're just striving to get to a level of mediocrity, okay. They cater to financially irresponsible people that are just trying to get up to a mediocre level. And you know what? I was recently listening to one of these shows, I'll call it, a get rid of your debt and invest for compound interest and get your money to work for you shows. One caller called in. He and his wife got a $60,000 windfall from an heir. And they're wondering what they should do with the money. And they owned a home valued at 500 K, with 320 K left on the mortgage, which was a 3.25% interest.   Keith Weinhold (00:18:53) - And the guidance that the host had for this caller. I'm not kidding. Here was to use the 60 K to pay the 320 K mortgage down, so then they'd only owe 260 on the mortgage. I'm not kidding. That was the recommended course of action. And this is not an aberration. I've heard this same guidance with other callers on this conventional show. I mean, the opportunity cost of such a misguided move, what has he done when he pays down his mortgage? 60 K like that. He lost liquidity, he lost leverage. And it didn't even help with his cash flow. Because with a fixed amortizing loan, your monthly payment is the same the following month. Anyway, that 60 K, instead of being used to pay down a mortgage that could have been leveraged again by purchasing, say, a 250 to 300 K rental property. So my point is that conventional guidance does not build wealth in financial freedom. When you're actually young enough to enjoy it, you do things like learn how to get out of debt and then solely grind for decades, doing so, all while paying the opportunity cost of being leveraged less for the opportunity cost of targeting something like debt free, which is the wrong target rather than being financially free.   Keith Weinhold (00:20:18) - It's just like, if you want a wealth coach, well, then you don't hire and listen to guidance from a mediocrity coach. It's the same is if you want to learn how to skydive, then don't ask a basketball coach because you're going to die. We practice what we preach here at GRA. Now me what would I do if I had a paid off rental property or paid off home? Well, first, I've never had any residential rental property paid off in my life. Not one. Although I could, I'd recognize the opportunity cost of zero leverage. But just say, hypothetically, a paid off home fell in my lap. What's the next thing I do? I would go get the maximum loan against it, and then I'd have access to cash that I could invest in other properties. But what about these new loans that I'm taking out? What happens with them? I'm not concerned because both tenants and inflation pay it down passively, without my involvement at all, without my grinding for it at all, without me trading my time for dollars at all.   Keith Weinhold (00:21:27) - Well, I am really glad that we got into this here in the first segment of today's show. If you're near the show, it probably gave you a starting point for. Some new topics to search. Maybe you should start with learning the difference and reading more about average annual return versus compounded annual growth rate. It's really eye opening. And yes, you've heard me say on the show before that stock returns are dragged into negative territory with inflation, emotion, taxes, fees and volatility. And what's new here today is that I took the volatility component and broke it all the way down for you. There is a real paradox out there in America and elsewhere. You know, people spend all this time learning about how work works, zero time learning about how money works. And yet money is the main reason that people go to work. So congratulations so far on educating yourself some more today. Suffice to say, compound interest does not build wealth. If you're focused on getting only your money to work for you, you are really missing out on leverage through OPM.   Keith Weinhold (00:22:38) - And the good news here is that you actually don't have to believe everything that you think. Even if you thought the same way for years or decades. Chances are you're by yourself when you're listening to me right now. So that way you can change your mind all on your own without anyone thinking that you're wishy washy. Is it iconoclastic? Yeah, sure it is. If you're going to live an outsized life, if you're going to have an outsized impact in this world and on others, then you don't want to get labeled as normal. I mean, me, myself. I want nothing to do with normal. You can learn more on topics like this with our Don't Quit Your Day Dream email letter that makes it visual for you. Get it free at get Rich education com slash letter I write every word of the letter myself again. Get it at get Rich education.com/letter or it's quicker while it's on your mind right now. Text gray to 66866 to get the letter. Text gray to 66866. More straight ahead on how to potentially achieve cash on cash returns of 20% plus with real estate today.   Keith Weinhold (00:23:58) - That's next. I'm Keith Reinhold. You're listening to get Rich education. Your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4%, you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk. Your cash generates up to an 8% return with compound interest year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25 K. You keep getting paid until you decide you want your money back there. Decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor, to earn 8%. Hundreds of others are text family 266866. Learn more about Freedom Family Investments Liquidity Fund on your journey to financial freedom through passive income. Text family to 66866. Role under the specific expert with income property you need. Ridge lending Group Nmls 42056. In gray history from beginners to veterans, they provided our listeners with more mortgages than anyone.   Keith Weinhold (00:25:21) - It's where I get my own loans for single family rentals up to four Plex's. Start your pre-qualification and chat with President Charlie Ridge personally. They'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com.   Ken (00:25:48) - This is Rich dad advisor Ken McElroy. Listen to get Rich education with Keith Reinhold and don't quit your daydream.   Keith Weinhold (00:26:06) - We're talking about how to profit more and faster than with buy and hold property with the BR real estate investing strategy will tell you more about a live virtual event tomorrow night, with more about it where you can attend from the comfort of your own home and have any of your questions answered in real time. And can is with me today to talk about it. Welcome in. Hello, Kate. Thank you. Thank you for the invitation to be.   Ken (00:26:32) - A part of the get Rich education podcast.   Keith Weinhold (00:26:34) - Oh, we're honored to have you. Tell us a little more about yourself. First, you're Memphis based and you're part of a real estate family. Your wife is a realtor.   Keith Weinhold (00:26:44) - Yes, that is true. I have been in.   Ken (00:26:46) - The real estate industry in Memphis, Tennessee since 1992. I believe I was born to be in real estate. If real estate's in my DNA. If you cut me open little houses, duplexes, commercial buildings and multifamily apartments will drip out. I am pure real estate.   Keith Weinhold (00:27:05) - And you definitely came up in the right place for that. For us major metros, you're in perhaps the best cap rate market. Now. A lot of people are familiar with fix and flip real estate, maybe something that they've seen on HGTV where you buy low, you fix it up and you sell it for more. In fact, a lot of people think that's what real estate investing means. And others, they think of real estate investing more passively by identifying a good property that's already fixed up for you with a tenant in it, and ready property management. That's sort of the turnkey way. Tell us more about the BR, where I think of it as using elements of both the fix and flip world and the buy and hold world, putting them together to produce high returns and even infinite returns.   Ken (00:27:54) - That is correct. So what we're doing and what we offer, it's a hybrid, turnkey and BR, we call it BR key a nice. So basically that acronym as you know it stands for buy, renovate, rent, refinance and repeat. And we've added the key to it because we do all of the turnkey worked for our investor clients. We do all of the heavy lifting. So we turn BR into a passive investment where we find properties through our sourcing, we vet the properties and then the properties are offered to investors in as is condition. We provide a desktop appraisal which provides a future estimated after repair value after the property has been renovated. We seek out appraisers who are certified, who are licensed in the areas in the markets that we provide properties in, so that we're not just shooting at the door on a future value, basing the values on what Trulia says or Zillow or Redfin and what have you. So it's a real certified value from a licensed appraiser. Then we have licensed contractors to provide the scope of work and an estimate on how much the renovations are going to cost.   Ken (00:29:24) - And then we do we have a relationship with an in-house property manager. The property manager markets the property, leases the property out, and our target market is partially section A, government subsidized tenants, because we found that in the Memphis, Tennessee area is that section eight pays more than market rate in most instances. And I like to say that section eight rent payments, the recession proof, they're Covid proof, they're pandemic proof. I have not received a call yet. And section eight says, hey, we could not get your section eight payment out because of Joe Biden not being able to sign the check, or he didn't work last week, or Donald Trump could not sign the check or what have you. But time and time again, those section eight payments, even during the pandemic, they always showed up at the beginning of the month without fail.   Keith Weinhold (00:30:25) - I have rented to section eight tenants myself, and I can attest to that. That check just keeps coming in. You have to have a case manager come in and take a look at the property.   Keith Weinhold (00:30:38) - Prior to that section eight tenant being placed. Section eight a government subsidized housing program for those that qualify. But now that we've talked about the tenant, some what which is the rent are if we look back at the first are in the borough that is the rehab. You could also call that first are renovation. And really what you're doing there is you're eliminating friction for a lot of people because one thing that turns. People away from the Bir or concerns them about the BR. Is that first r the rehab because they find it daunting or intimidating to manage contractors? A lot of people don't want to have to manage contractors, and those that do, they don't want to do it again. But the thing is, is that you formed a team of contractors, property managers, project managers to manage those contractors and lenders to assist with that entire BR key process, making it pretty hands off for the investor.   Ken (00:31:37) - That's absolutely correct. So we have the relationships with contractors your locally that we've vetted that have proven themselves.   Ken (00:31:46) - They're true blue and these contractors have withstood the test of time. We develop relationships with electricians, plumbers, heating and air conditioning guys, roofers, painters, flooring experts, guys that can do kitchen cabinets, countertops, everything from the router to the tuner. And we also have excellent relationships that we've developed not only with the big boxes, Home Depots, Lowe's, but there are actually many locally owned mom and pop family owned supply houses that we are able to get better prices on some items versus the big boxes. So if those savings are passed on to the investor clients that our project managers and contractors are renovating those properties for.   Keith Weinhold (00:32:41) - I want to talk more about how that's actually going the actual track record with that team. But before we do, if we talk bigger picture, let's look at some real numbers on an example property so that one can understand the overall process. On why BR is attractive to investors, and why they can put substantially less money into the deal than they can with what we would call a deal that's already completely done for you.   Keith Weinhold (00:33:08) - Turnkey.   Ken (00:33:09) - Yes, and I like to use a $100,000. It's a nice round number, right.   Keith Weinhold (00:33:16) - Inflation is basically it, but you can still find some.   Ken (00:33:19) - Yes. So an example said hypothetically, if we had a vetted property that was available to be purchased by an investor client, and that appraised value after repairs is estimated to be $100,000, we simply take 75% of that after repair value of $100,000, and we arrive at 75,000. So we work in reverse, in a sense. And if the contractor has estimated that the renovations, labor and material cost is going to be $25,000, 75,000, 75% of the 100,000, -$25,000 in renovation expenses that would leave $50,000. So the actual purchase price of the property would be $50,000 plus $25,000 in renovations. So the investors approximate all in is $75,000. That doesn't take into consideration title company fees, homeowners insurance. We encourage all of the investor clients to get a six months builder's risk policy from one of our sources that we use here locally, but of course, all of the investor clients are free to use or choose whomever they'd like to.   Ken (00:34:53) - So the property is purchased for 50,000. The renovations, which are high quality, are done for 25,000. So now the investor is all in for $75,000. Now we're at that second stage, and many times the renovations are completed before the property is rented. So though that second and third are kind of interchangeable, sometimes we the property's refinanced before it's rented, sometimes it's rented before it's refinance. So in a perfect world, the property has been rented to a client. So if the client's all in for $75,000 and we have what we created, our own 1% rule of thumb. So if the investor is all in for 75,000 and the numbers are still based on renting it for maybe 1% of the value. So we find that our rent versus price return is more than 1%. So in many cases we blow that 1% out of the water. We're talking about the.   Keith Weinhold (00:36:01) - Monthly rent being 1% or greater of the overall value or purchase. Price of the property.   Ken (00:36:06) - Yes, sir. That's true. That's correct. So after the property is rented for, let's say, $1,000 per month.   Ken (00:36:15) - Now it's time to get the property appraised. We do have lending partners that are very experienced with investment refinancing, whether it's conventional or whether it's DSC or refinancing. So now the appraiser comes out to the property after the investor client has made loan application. The investors appraiser comes out and voila, the property is totally renovated. It's rented out. The appraiser appraises the property for $100,000 plus or minus. It may appraise for 95, it may appraised for one T, and so on, so forth. So what happens with the investment refinancing the loan to value or LTV is usually 75%. It's not typical for the lender to refinance at 80% or 85% of the refinance. But with investment financing, refinancing nowadays is typically 75%, so the praise is for 100,000. The lender lends 75% of the 100,000, which is 75,000 on the refinance. So now the investor who has paid cash or possibly obtained a hard money loan or private financing in order to purchase the property, their coffers are replenished with it. 75,000 were either the hard money or the private.   Ken (00:37:42) - Long is paid off, and the investor now has a property that they've refinanced for 75,000. That's worth 100,000. But the key is now they've refinanced and they're at that final, or now they're able to repeat the process, rinse and repeat, re-up whatever you want that are to me. But it basically means you can reuse that $75,000 again to purchase your second property. Third property, you're able to scale quickly or pay off the hard money lender. And the hard money lender says, hey, I don't need this $75,000. Do you own it again to buy property number two? We're property number three. And it just goes on. And I'd like that word that to use key efficient.   Keith Weinhold (00:38:28) - Right. Because in at least one of the scenarios you described there, you would have no money left in the deal and 25% equity in the property.   Ken (00:38:37) - That is correct because even though the investor is all in for 75,000, that new roof, the new windows, the new luxury vinyl plank flooring, the new HVAC system and so on, so forth.   Ken (00:38:53) - Those improvements cause to happen is called force appreciation. It's worth more than $75,000 because of all of the improvements that have been made to $25,000 to new light fixtures, the pretty paint color, the new mailbox, the landscaping. So we found that many of the houses that we offer, they once were the ugly ducklings of the neighborhood. Now they're the beautiful swans of the neighborhood, and they're the homes and houses that people flock to that they prefer to living.   Keith Weinhold (00:39:30) - Yeah. So we're talking about some of those rehabs you might LVP the floor do a kitchen fluff up. By that I mean maybe you're saving and painting the cabinets, but replacing the countertops, new light fixtures, perhaps keeping bath tile in place, but glazing it and then bringing everything to code?   Ken (00:39:47) - Yes, sir. That's absolutely correct. And we do have a really nice design for our properties. We use really nice neutral colors when it comes to the tile, to the paint, the flooring, the vent hood color, so on, so forth.   Ken (00:40:02) - And you mentioned code enforcement, which we had excellent relationships with the Memphis Shelby County Code Enforcement officers, whether it comes to the electrical inspection, plumbing inspections, what have you, we have really good relationships with those government officials.   Keith Weinhold (00:40:20) - You might want exotic colors for your own home, but in a rental property you want to go neutral. It can take a while to rent a purple kitchen. Now talk to us about the the timeline to rehab and refinance a property. How many months or days does that take? And I'm looking for an not an optimistic scenario, but a realistic scenario and a real life track record of what you've done. Because I've known that our followers have bought a number of properties from you.   Ken (00:40:49) - Yes, our average turnaround time right now is approximately 90 days. The quickest turn that we've ever done from acquisition all the way to the final stage of refinancing was 32 days. But that particular property there was the scope of work of $15,000. It was really clean. Okay, already had a new roof, the AC system was already top knots, so there was just very few things that had to be delivered.   Ken (00:41:21) - But on average it's about 90 days from start to finish. And in this part of the country the weather's quite nice, especially during the summertime. It's very hot, but we are hit occasionally in the wintertime with snow and ice, and it paralyzed the city of Memphis because we're just not equipped the way the northeast is and some other parts of the country when it comes to snow and ice. So we push back our estimated time frame to complete a Berkey property during the winter months to about 120 days. But our average is 90 days, and we tend to we like to under-promise with the 90 days, but we may hit our target in 75 days or 80 days, and we just recently had some properties that we should be able to smash the all time record of 32 days, where we may be able to get from a buy to refinance done, and maybe 21 days.   Keith Weinhold (00:42:21) - Wow. That's the result of a well refined system. And I would submit to most any listener to try to do that across state lines or even in your own home market, as you're trying to manage contractors and codes and inspectors and appraisers and lenders and everything else, you're going to join us with our investment coach narration, co-hosting Gre's live virtual event.   Keith Weinhold (00:42:47) - Alex, a little bit more about what one can expect there. Attending the live virtual event to learn more about what.   Ken (00:42:54) - One can expect is that we will have, I guess, actual numbers on properties that are available, scopes of work, rental amounts that are based on our studies with the data that section eight provides, as well as the local market rents for cash paying tenants. So I do want to make it clear we do have cash paying tenants as well. But we do offer to the investor clients a choice. If we have a four bedroom property, for example, that section 8th May possibly pay 1700 a month for, and then all of a sudden we get a cash paying tenant that's willing to pay 1600. We present the information to the investor to say, hey, would you rather hold out for the $1,700 section eight tenant? Or would you rather go with the $1,600 cash flowing ticket that works at Blue Oval City, the electric vehicle plant that's on the outskirts of Memphis, about 30 miles outside of Memphis at the end.   Ken (00:44:01) - Who knows? Real soon. It was just announced yesterday that X, I and Elon Musk, they've chosen the city of Memphis to be the headquarters for the world's largest supercomputer. So we're looking forward to the benefits and economic boom that that's going to add to the Memphis market.   Keith Weinhold (00:44:23) - All right. So we've got some economic drivers behind this. Learn more about vetting tenants. Berkey and importantly, the value added here. By bringing that team, especially those contractors that are being managed for you with the Berkey join Jerry's live virtual event. It's where you can attend live in real time. You can ask questions if you wish that way, and you can do it all from your own home. Gree investment coach extraordinaire Naresh is going to co-host it along with my guest Ken. Here it is free to attend free learning and if you wish, expect a buying opportunity for property conducive to the BR. Often single family homes two, three and four bedroom properties in Investor Advantage Memphis, you'll learn which properties are right for this and which ones are not.   Keith Weinhold (00:45:10) - Attend tomorrow night it is Tuesday the 25th at 8:30 p.m. eastern, 530 Pacific. Attend tomorrow and sign up now at GR webinars.com. You can do it right now while it's top of mind for our live event that is at Gray webinars.com. Hey, it's been great having your insight. Thanks so much for coming on the show today.   Ken (00:45:33) - Thank you. You're welcome.   Keith Weinhold (00:45:40) - Between last year and this year, more followers have bought from this provider in this system than any other in the entire nation. Strong deals with less out of pocket for the investor. And maybe you don't prefer a section eight tenant. You can ask about that during the virtual event. And again, what was I saying here last week? This is the event that's a bigger deal than Olympic handball. Really though I would like for you to attend. This is entry level housing. So you're going to own a scarce asset that everyone wants. Expect to be in for a little of your own skin in the game, and you'll own a leveraged asset of tangible value that down the road.   Keith Weinhold (00:46:27) - Demographics say that people will desire to first rent from you and then later buy from you. If you think that it can benefit you and you like to learn, then I'd really like you to attend tomorrow night. I invite you Tuesday the 25th at 8:30 p.m. eastern, 530 Pacific. Register free now at Gray webinars.com. Until next week. I'm your host, Keith Wild. Don't quit your day dream.   Speaker 5 (00:46:58) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get Rich education LLC exclusively.   Keith Weinhold (00:47:26) - The preceding program was brought to you by your home for wealth building. Get rich education.com.  

Join our live, virtual event for Memphis BRRRR properties on June 25th. Free. Sign up now at: GREwebinars.com The homeownership rate has fallen due to low affordability. This means that there are more renters. There are still just one-half as many housing units as America needs. But it had been one-quarter. New duplexes, triplexes, and fourplexes are vanishing. I describe six reasons why. Two entire US counties now have a median home price of $2M+. Learn where they are. It's better to be an investor than a landlord or flipper. GRE Investment Coach, Naresh, and I discuss how to use a lower down payment to achieve a potential 20% cash-on-cash return with the BRRRR Strategy. Join our live, virtual event for this at: GREwebinars.com. Resources mentioned: Join our live, virtual event for Memphis BRRRR properties on June 25th. Free. Sign up now at: GREwebinars.com For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  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:   Keith Weinhold (00:00:01) - Welcome to GRE. I'm your host, Keith Weinhold. Hold properties are vanishing, and sadly, they represent some really good property types that are hardly being built anymore. American housing is changing for good. Two entire U.S. counties now have median home values of $2 million or more. You'll learn where those are and learn about a specific real estate investing strategy, where investors are getting especially high yield returns in today's low affordability market. All today on get rich education.   Robert Syslo (00:00:37) - 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 listeners downloads and 188 world nations. He has A-list show guests include top selling personal finance author Robert Kiyosaki. Get Rich education can be heard on every podcast platform.   Robert Syslo (00:01:09) - 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 get Rich education.com.   Corey Coates (00:01:23) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold (00:01:39) - What we heard in 188 nations worldwide. I'm your host, Keith Weinhold, and you're listening to get Rich education. Last week, I covered a lot of bad news here as you and I uncovered some real estate problems. Of course, overall, when you're invested in real estate and obtain productive working income for yourself through tenants in their employment, you can almost always play another side of the coin and be profitable because, well, it really comes right back to the fact that real estate pays five ways simultaneously, for example, souring housing affordability. Well, that's bad for homeowners. That's bad news for people that are primarily want to be homeowners and not you. You're an investor. In fact, here's exactly what that means when you're the investor, the homeownership rate has fallen in in the past year.   Keith Weinhold (00:02:38) - It's gone from 66% down to 65.6% due to that low affordability. Okay. Well, that's just a 4/10 of a percent drop in the homeownership rate. And it is poised to fall further. Or what does that 4/10 really mean. Well, that's the proportion of Americans that don't own their homes. So then they have to rent. And this means that there are hundreds of thousands more American renters today than there were just a year ago. And that pushes up rental demand, rental occupancy and the price of rent itself. And that's what you get to capture off from a low affordability problem, which outsiders only think of as bad real estate news, because it is bad news through the lens of that one of your first time homebuyer. Now I want to tell you about the property types that are disappearing. Just vanishing today, and it's the degree to which it's happening that you probably aren't aware of. I'll also tell you why it's personally concerning to me, why this is all going on at all, and I don't even see any reason that it's going to turn around.   Keith Weinhold (00:03:52) - It's probably going to get worse. What's going on is basically that too many builders have thrown their duplex, triplex, and fourplex development plans out the car window like it's an Apple Corps on a summer road trip. They are vanishing. Yes, 2 to 4 unit properties vanishing. In fact, if you're a newsletter subscriber here, you got to see a jarring chart that shows this. And what you'll basically see is that in 2007, the number of 2 to 4 unit properties built just fell off a cliff. It flatlined, and it still hasn't gotten up. The amount constructed now is still just one half to one third of what it had been in pre global financial crisis years. Really they're only closer to a third. All right. So what we're talking about here is only about one third as many duplex triplex and fourplex starts today as there were 20 years ago. And this is sourced by the National Association of Homebuilders. And some call this entire phenomenon M triple M multi families missing middle. And whatever you call this disappearing act.   Keith Weinhold (00:05:10) - Before I get to the reasons for why this is happening, I've got to tell you that this disappearance, it hurts me a little. It's sort of heartfelt because as you know, I began this way with a fourplex that was my first ever property of any kind. You know, the story where I lived in one unit and rented out the other three. It was just an amazing way to start with a bang. Well, now, when we compare this paltry construction, this dearth of. construction today, when we compare that to both smaller property types and larger property types, that being single family homes and five plus unit apartment buildings, will construction of all three of these types fell hard around 2008. But here's the thing. Single family homes and five plus apartment buildings. They got back up around 2010 and they started resuming more building. But duplexes and fourplex, they never did. They never had that happen. The number coming out of the market that just kept flatlining. Those new starts. All right.   Keith Weinhold (00:06:16) - So why exactly is this going on with these vanishing 2 or 3 and four unit property construction types? Why this trend? Well, first, it's NIMBYism, not in my backyard ism primarily of those single family homeowners, because once people are comfy in owning their single family home. Well, then they don't want higher density duplexes in fourplex built in their area. They fear that it can lower their property values. It'll almost certainly increase the traffic around that area. And the second reason is that there simply just been less building overall of most all housing types. And I have discussed this elsewhere, so I won't get into it again. Yes, it is that erstwhile housing supply crash. A third reason for these vanishing 2 to 4 unit properties is the need for zoning reform and the adoption of what's called light touch density. Light touch density. That means a zoning strategy for more dense housing. And what are we up to now for? The fourth reason is that builders, they find more scale efficiencies when they build larger apartments.   Keith Weinhold (00:07:25) - Fifth is limits in international building codes, in international residential codes. And the sixth reason is that this trend began around 2008. These more recent work from home lifestyle starting in 2020. That means that residents can live in single family homes, and they tend to be further from the urban core, rather than 2 to 4 unit properties. And this lifestyle trend right here, that can mean that this disappearing trend for this property type continues. And there you go. They are the six reasons for why. If you were 2 to 4 unit properties are being built today, drastically fewer. And I lament this fact because see duplex the four plex neighborhoods, they can have good walkability where you don't always need a car to get everywhere. And yet at the same time, they still have ample green space. Now, conversely, some fourplex neighborhoods, you know, they can get to look and really junky. Well, they all have different owners. And then there are dumpsters all over the place, like my first fourplex was, and like my second fourplex was as well.   Keith Weinhold (00:08:33) - I really hope that builders become more attracted to the 2 to 4 unit space. See, with giant large apartment complexes, say 300 units. Well, the builder has to wait until the construction of all of those 300 units are done until they can start filling it with rent paying tenants. So therefore builders have to wait longer to start getting that rent income. But instead, construction of this missing middle housing that can be broken into phases. And that way units can be open when they're completed. And that provides early rent revenue to the builder and 2 to 4 unit properties. I mean, they really are an investor sweet spot, but due to builder and lifestyle trends like I'm describing, fewer are being built new. But please remember there were many missing middle properties built decades ago and they can still make good investment properties into the future. In fact, the first two fourplex that I bought were both built in the mid 80s, so there's still plenty that are already out there. The takeaway here for you is that you're going to be seeing fewer new ones, and that means that duplexes to fourplex is now take up a smaller proportion of America's housing stock, and that portion is positioned to become smaller and smaller going forward.   Keith Weinhold (00:09:56) - So it's not that death of these properties. We even have home builders at Gray Marketplace right now with new build 2 to 4 plex. So it isn't their death, but they are dying, waning in number. Now, Jerry recently got Ahold of some jaw dropping info here. I my gosh, now remember a few years ago, maybe even ten or more years ago when you probably heard something like certain small towns in California, Silicon Valley. They now had median priced homes that hit the million dollar mark. And you know, when you first heard that, you might have thought, oh, wow, it's not just neighborhoods, but entire towns in aggregate have hit the million dollar mark in some high priced American places. Well, then get ready for this. As housing affordability makes headlines in California in its wealthiest cities, continue to fight building more housing. We have two Bay area counties, not towns, but entire counties that have hit a milestone. The median price for sold homes there has climbed to $2 million or more.   Keith Weinhold (00:11:15) - We're not just talking 1 million anymore, and we're not just talking about one upper crust town, but two entire California counties now have median home prices of $2 million or more. And notice these are not asking prices. No speculation here. These are the values, the amounts that they have actually sold for. And this is according to a recent California Association of Realtors report. Median homes are now $2 million plus in which two Bay area counties, you might wonder? Well, first, Santa Clara County, which includes San Jose, they notched an even $2 million back in April. And yes, this is more than San Francisco County's $1.8 million. And the second county, it spirals even higher than that. The second California county, with median home prices of 2 million plus is San Mateo County. It's basically a county that lies between San Francisco and San Jose. And that's where the median home price sold for in San Mateo County, California, $2.17 million. Not just one upper crust town, but an entire county.   Keith Weinhold (00:12:38) - Not just $1 million, not even $2 million anymore, but $2.17 million. And this is not for a fancy, lavish home. This is just the median priced home in the middle and San Mateo County that is home to the nation's most expensive zip code, by the way. Atherton, California, where the median home price tops the charts nationally at $7.1 million. That's that is according to Compass Real Estate. And if that's not enough, homes are still flying off the shelves there. They're days on market is now at the lowest since 2022. And though all this sounds pretty astonishing right now, you know what? If you are listening to this episode ten years from now, well into the 2030s, you might think these were the good old days here. How quaint. Because over the next ten years, we all expect more inflation, and we've still got more housing shortage years between now and say, ten years into the future. And of course, here at URI, we don't tend to focus on the high priced markets, which tend to be on the coasts, things like this.   Keith Weinhold (00:13:55) - Really, it's just a harbinger of what's to come to more parts of the nation later on. What we do here is we help you win in real estate without being a landlord and without being a flipper. As a savvy investor that tends to buy either new or fixed up properties and might have a manager manage them for you, hands off is the place to be. Hands off is being an investor, and you get the best tax advantages this way to when your hands off and you know something. Some people that get into real estate investing, they think that they have to be a flipper, or that they have to be a landlord in order to make it profitable. Now, there's nothing wrong with those two disciplines. So much flipping or landlord. I was a landlord for a little while on my own properties. Most of my investment career. I use a property manager and I never flipped. It's just that these things flipping and landlord, they're not any sort of prerequisite to you being a successful investor. You can shortcut all of that with turnkey real estate investing or like with a different strategy that we're going to talk about later today.   Keith Weinhold (00:15:04) - What most people really want is the financial freedom that real estate investing brings. But in order to get there, it's often not the route that you think it is. It's typically not flipping or landlords. And, you know, really it's this way with a lot of things. For example, say that you want to own in ice cream business. Well, most people think that they have to start their own ice cream business from scratch. And like you need to find a space and you need to buy all the equipment and develop systems and go through the excruciating process of hiring all of your staff. No, a lot of times you can shortcut all of that by not starting your own ice cream business, but instead studying, vetting, and buying an existing ice cream business without having to start your own from scratch. Be strategic, study a little, shortcut the process and get in where it's profitable. You want the benefit of owning real estate without having to use a nail gun yourself, or being a manager where you're 25 tenants can text you.   Keith Weinhold (00:16:17) - What kind of life are you building for yourself? Then you want the benefit of owning an ice cream business. The way to get to the end goal. The path there is often different than you think. And here's another example that I can relate to, but I think that you will too. Do you have a favorite real estate? Influencer out there and they think about starting a podcast. Well, I personally know three real estate podcasters out there that have all quit. They produce some episodes and all three quit doing their podcast. And these are just among people I know and just real estate thought leaders. Just that space and all. Recent hosting your own podcast platform is a ton of work from. You need to have a huge bank of your own original content, to having the ability to book big name guests and then making sure they're prepared to. Making sure you have the right marketing team so that a podcast actually reaches the right people. It is work, work, work, and seemingly no one in this world knows that better than me.   Keith Weinhold (00:17:21) - With 500 plus episodes reliably released every single week since 2014, and we don't replay old shows either, there is nothing passive about this. There are so many shows today that if your favorite real estate influencer starts one, they're going to be competing with a lot that are already out there. I mean, anymore, even celebrities that start podcasts, they usually don't get any substantial reach or traction. All these people that start and quit their podcasts, they were too slow to realize that actually they didn't want to host a podcast. What they really wanted is for their voice to be heard. Well, the way to shortcut that, like with turnkey real estate investing or with buying an existing ice cream business, is that that influencer should have developed a strategy for being a guest on other shows that are already popular and established, probably by hiring an experienced and connected booking agent. That way, you've outsourced all of that marketing and research activity to another show that already did that for you. So the point is, be clear on getting what you want.   Keith Weinhold (00:18:34) - What is the goal that you want first, it's probably a large real estate portfolio built for leverage and income, and then work your way back to try to find the most efficient route to get there. And there are often shorter paths to get there than what you first thought. Now, when we talk about where are the best real estate deals today, you have to look harder than you did, say, 8 to 10 years ago. Coming up shortly, you'll have the pleasure of hearing an in-house chat with I in one of Gre's own investment coaches. We're going to talk about a strategy that specific and proven but underutilized in order to recapture those higher cash on cash returns like you could have gotten back in, say, 2015 and 2016. And for a time, I had been talking about how Newbuild properties and their builder interest rate buy downs, that they're really the place to be. And that's still true, but not to the extent that it was just a year ago, because today some builders, they're not paying down your interest rate for you as much as they did last year.   Keith Weinhold (00:19:39) - They're asking you to pay more toward it. Now. A few minutes ago, I told you about America's vanishing duplexes to fourplex. And if you're one of our newsletter readers, you got to see a jarring chart or two that demonstrates exactly what I was talking about there. And also in our newsletter, I show you great maps, real estate maps that beautifully demonstrate housing market trends and where the opportunities are for you. Also, in a recent letter, I showed you exactly where I'm getting 8% interest paid to me and what's basically a savings account. If you don't already subscribe, it is free. Our email letter is called the Don't Quit Your Day Dream letter. It's concise, valuable info that's just good, clean content that I put directly into your hands. It is easier to use than a website. Today's websites have paywalls and cookies, disclaimers or pop up ads. This is just the good stuff directly from me, straight to you. And you can get the letter now at get Rich education com slash letter that's get rich education com slash letter.   Keith Weinhold (00:20:50) - In a world of AI and bots, I actually write every word of the don't quit your daydream letter myself, just like I have from day one. And another easy way to start the free letter is text gray to 66866. Just do it right now while it's on your mind. Text gray to 6686616. I'm Keith Reinhold. You're listening to get Rich education. Your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4%, you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk. Your cash generates up to an 8% return with compound interest year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25 K. You keep getting paid until you decide you want your money back there. Decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor, to earn 8%.   Keith Weinhold (00:22:02) - Hundreds of others are text family 266866. Learn more about Freedom Family Investments Liquidity Fund on your journey to financial freedom through passive income. Text family to 66866. Role under the specific expert with income property, you need Ridge lending group and MLS for 2056 injury history from beginners to veterans. They provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your prequalification and chat with President Charlie Ridge. Personally, they'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com. This is peak prosperity.   Robert Syslo (00:23:00) - Chris Martinson, listen to get Rich education with Keith Arnold and don't quit your daydream.   Keith Weinhold (00:23:15) - Hey, would like to welcome in Gray's extraordinary investment coach. He's booksmart because he's got his MBA. He street smart because he's an active direct real estate investor, just like I am. Before joining gray back in 2021, he worked for financial publishing companies and in the banking sector, too and elsewhere. And today is an investment coach here.   Keith Weinhold (00:23:36) - He helps beginning real estate investors understand the process of acquiring rental property, and he helps veteran investors optimize their strategies to save on taxes and more. Hey, it's terrific to welcome back Naresh Vizard. Thanks a lot Keith. It's been a while, but I'm looking forward to talking real estate before we're done. Today, we're going to tell you about an upcoming live GRE virtual event, where you learn how to get 20 to 25% of immediate built in equity through real estate. And before we do the race, let's talk about what's really going on. Besides giving GRE devotees free education and guidance like you do, you also help them find the best deals on income properties nationwide and for a time, brand new build to rent properties they look good in. Many still do with a lot of rate buy downs into the fives and even the fours on those new build properties. But this year, I learned that builders aren't contributing to buying down the race for the investor like they had last year, and that the onus seems to be more on the investor to buy the rate down with some of these builders.   Keith Weinhold (00:24:44) - So tell us more about what's happening in America's build to rent sector. Well, Keith, build to rent. For those who don't know, it's been around here at GRA. Bill to rent asset classes, build to rent real estate. But it's the concept of builders building real estate properties with the intention of selling them to investors so they can rent it out. So right now I live in a house that was built, and I bought it because the builder intended for somebody to buy it and live in it. That's not built to rent. Build to rent is the idea of.   Naresh Vissa (00:25:16) - Specifically selling it to investors like our listeners, like our loyal followers who live out of state and who want to rent the properties out to tenants. Now, Build to Rent was very hot and it's still popular. I don't want to call it hot, but it's still popular for those who want new construction properties. However, the rehabs are making a furious comeback because there was about a four year period from 2019 to 23 or so where you just couldn't find good cash flowing rehabs.   Naresh Vissa (00:25:50) - Right. And when I say rehabs, I mean these older properties that were built 50 years ago, maybe as long as 120 years ago there we have some properties in our inventory that were built in the late 1800s, and they've just kept being rehabbed and rehabbed and renovated. Buildings are making a furious comeback because they're cash flowing better. Previously, they were just cash flowing marginally better than new construction built to rent properties. Now, especially with a strategy called ver, which we'll talk about some more, you can have the opportunity to get cash on cash returns back to what you remember in 2016, 2015 where we're talking 15, 16% cash on cash returns. I mean, some of our BR clients or listeners who ended up buying BRS, they're doing 2021 all the way up to 30% cash on cash returns. So BR simply means buy, rehab, rent, refinance, repeat the cycle. So that's B followed by for Rs b r r r r buy, rehab, rent, refinance. Repeat the process again.   Naresh Vissa (00:27:10) - And it's during that refinance where investors are getting a good chunk of their down payment back. Because what happens in that refinance is after you rehab it and you read it, you rent it out at the target rent, which almost all of these are renting out at very aggressive high target rents. When you refinance it, the property appraises at a value that's much, much greater post rehab than when you initially bought it. And that's where you get essentially your money back. You can choose to keep it in with the mortgage company so you have more equity in the property, or you can take the cash back and use it to buy more BR properties. It's become a very popular. Form of real estate investing. People think when they hear this. Well, it sounds like flipping, right. This is not flipping. Flipping is kind of like day trading. You're looking to make a quick buck, whereas in this case you're not selling the property. You're keeping the property with the intention of renting it out and collecting the cash flow from your tenant.   Naresh Vissa (00:28:19) - So that's in a nutshell, what BRR is. And we are having a live event on Tuesday, June 25th at 8:30 p.m. Eastern Time. That's Tuesday, June 25th at 8:30 p.m. eastern. Time to talk about and go over this BR process. The bird key process or listeners are familiar with turnkey. Well we have BR key which is similar except it's using the BR method. And Keith, you probably know this and you've talked about it a little bit on your podcast. BR has become the most popular strategy that our investors are utilizing this year, 2024.   Keith Weinhold (00:29:01) - Yeah. Now back to the build to render the new build properties is attractive as they can be because they attract a certain quality of tannin and they're not going to have any maintenance or repair issues, most likely for quite a while. The thing with those is, oh, you might pay 300 K or more for a new build. Single family home in the builder rent style with 20% down payment, 5% for closing costs, you're out of pocket. 75 K.   Keith Weinhold (00:29:30) - One reason that this has become the most popular strategy for gray followers we're talking about here. The BR strategy is that you could come out of pocket with a lot less to begin with.   Naresh Vissa (00:29:42) - That's number one. Number one is we have some GRE followers who went into this Berkey and they put no money down. They got lucky. They initially bought the property, and the property appraised so much that they got their money back and their down payment was actually zero. They didn't make money on it, but what they allocated, what they thought that they would allocate 25% down, they ended up using that money since they got it back to buy a second property and then a third property and then a fourth party. We have one guy who bought six properties, all birds, because he didn't get I don't want to say, look, we're not making promises that you're going to put 0% down. That's not the promises that we're making. The worst case scenario is that you put 25% down and that's your standard real estate investment.   Naresh Vissa (00:30:27) - But there is a chance that you could put 15% down or 10% down if the rehab turns out really well. And if you get a good appraiser, there's a chance it can happen. But the goal here, again, is not to make a quick buck or to house hack. We're not taking shortcuts here. The goal here is simply to buy a property renovated or rehab it and drive up the rent price, drive up the value of the property, put a good tenant in there and call it a day. Collect those cash flows. Now I do want to say a few things about that process. So like I said, the first thing that you do is you buy. So first you buy, then you rehab. You do not have to do we call it Berkey because everything is done for you. So when people hear this, they're like, oh, this sounds like I live in Florida. I don't want to go to Memphis. And by the way, this specific market is in Memphis, Tennessee that we're focusing on.   Naresh Vissa (00:31:26) - We have burrs in Baltimore, Maryland and Philadelphia, Pennsylvania and Pittsburgh, Pennsylvania. But we've identified Memphis as not just the hottest, but it just makes the most sense numbers wise. And so I want to go back to the point of, hey, you don't have to physically go or even go on Google and find handymen or rehab ers to do this for you, our Berkey provider. The best part is they do it all for you. It's completely taken care of. You literally just sign some papers. Once you decide that you like a property and the specs of the property, you sign some papers. They take care of it. The rehab takes about 90 days. Then from rehab to closing, it takes another 40 days or so. And then from closing to someone signing a lease that takes another 30 days to find somebody, stick them in there and takes another 30 days after that for the tenant to move in. So overall, this process can actually take just for one property. You can take six months.   Keith Weinhold (00:32:26) - Now. Naresh has touched on it somewhat. One conventional problem with the Burr strategy by rehab rent, refinance, repeat is that first are the rehab because it involves vetting and managing contractors, which is a real nightmare for many. So instead, we're talking about tapping into a system with a proven team of contractors and lenders and project managers to make it easy. It's known as Berkey, and it's in profitable Memphis.   Naresh Vissa (00:32:54) - Profitable Memphis. And I'll say this about Memphis, we're going to talk. Way more about this on the webinar. Highly recommend people go to GRI webinars. Com gri webinars.com. You can sign up for the webinar there. It's actually live. So this is not like something that you just can show up to whenever you want. It's a live event on Tuesday, June 25th at 8:30 p.m. Eastern Time. That's Tuesday, June 25th at 8:30 p.m. Eastern Time. Great webinars.com is how you can register. And like you said, we could have focused on Baltimore, Maryland or Pittsburgh. Memphis has really and I myself by the way, own five properties and four in Memphis proper.   Naresh Vissa (00:33:42) - And one is in the Memphis area and Mississippi, a suburb of of Memphis. And this I don't want to call it a town, because Memphis used to be one of the most popular towns in the south back in the day. But this city has really come up as a result of pandemic, of population growth, of even inflation. We've seen rents go up, we've seen the population go up. Memphis is not what you think of from eight years ago. Seven years ago when I first bought my properties. I'll admit, when I bought my first property seven years ago in Memphis, I had a lot of problems with tenants. I had a lot of problems with the city. I didn't like what I was reading about the police department, just all sorts of things. Not the police department, just crime in general. And Memphis has really turned itself around. Not completely turned itself around, but it's gotten better. And we're seeing it just on the investment side because that's where we're seeing appreciation growth. My personal properties, they're up since 2020, since January 2020, I was when I closed all my last Memphis property.   Naresh Vissa (00:34:49) - They're all up at least 50% in value. So it's a market that's still appreciating. But the most important thing because we are cash flow investors, not necessarily appreciation investors. It's great to get the appreciation, but the rents keep going up. And I actually today I've talked to a Berkey client, great loyal Jerry listener and follower who ended up buying three properties, and she's on her fourth one, or about to do a fourth one with this Memphis market provider. And when she told me her rents, I was blown away at how much these properties were renting for before the rehab. So it's not just the appreciation again, that goes up after the rehab, how much they were renting for before the rehab. We're talking less than $800 a month and post rehab. Her rents went up by nearly 50%, about 45% on average. House rehab is like three bedroom, one and a half bathroom. Homes initially she bought them. This is how a lot of the properties are. They only had two bedrooms and they converted one of the spaces.   Naresh Vissa (00:36:05) - The rehab were converted at no extra. You know, it's all inclusive of the rehab charges. They were able to find space in a lot of these properties that were two bedrooms to create a third bedroom and turn them into three bedroom properties instead of two bedroom properties, which also improves the value of the home. And you can get another body in there and increase the rent. So, Jerry, listeners have been really, really happy with this burpee process because at the end of the day, you really do get more bang for your buck. Yes, new construction overall. It's just safer. We have tons of great new construction providers, especially in Florida, whom we recommend, but this is an alternative for those people who don't have $100,000 sitting in the bank ready to invest in a new construction, single family, or a new construction duplex. The Berkey, I mean, really all you need is about 20, $25,000 to do it. And like I said, if you get lucky, you could get a decent portion of that back after the rehab.   Keith Weinhold (00:37:08) - Well, you bring up so many good points there in the race. For one thing, with real estate, you can intentionally improve the value. That's something that you cannot do if you own a stock or if you own cryptocurrency, or if you own gold, you can help control what your investment is worth. And a lot of that happens here in the rehab process. Well, the race would love to tell you more, including walking you through an example with numbers, but that's the best place for him to do it. That is on the live event next week because it is co-hosted by narration. You can join the live virtual event from the comfort of your own home. You can ask questions and have them answered in real time. It is all free and we'll also be sharing special off market Berkey inventory. In Memphis for two, three and four bedroom properties, so go ahead and attend on June 25th. Which again is next Tuesday. Be sure to register now at GR webinars.com. Just been great to walk through the Berkey.   Keith Weinhold (00:38:12) - Thanks so much for coming back on the show.   Naresh Vissa (00:38:14) - Thank you. It's been a pleasure.   Keith Weinhold (00:38:21) - Oh good info from Gree investment coach Naresh as always. Next week's live event. That could be a bigger deal than the Paris Olympics this summer and this year's presidential election combined. Oh yes. Well, at least it expects to be more profitable for you than those other events. It will also be more entertaining when you join as an attendee live next week. Certainly more entertaining and informative than Olympic handball and Olympic race walking, no doubt about that. I don't think I've offended any race walking fans because there are only perhaps five in the world. In any case, BR is a process by which, after you buy months later, you can expect to refinance at a higher valuation since the property has been rehabbed from your initial purchase, and then you get a big chunk of your own down payment back, meaning you have less invested in the deal. And that's why you get a higher cash on cash return. Because cash and cash return all that is, is your annual cash flow divided by your initial investment or your starting equity position.   Keith Weinhold (00:39:37) - The last R in BR is repeat. You can repeat sooner because you did get some of your invested cash back. And that's part of what makes the strategy so effective. Now is part of your refi. You might get a post appraisal rehab that's so high you essentially get all of your down payment money returned to you, at which point it would be an infinite return because you don't have anything invested in the deal. But you should not count on having all of it returned, just a lot of it or most of it. Next week's live event is where the BR real estate investing strategy gets introduced to a wider swath of America one last time. Attend live next Tuesday. The 25th. I really encourage you to check it out. Be sure to sign up for the virtual GRE live event now! It's pretty quick and easy to do at GR webinars.com. Until next week, I'm your host, Keith Weintraub. Don't quit your day dream.   Speaker 5 (00:40:41) - Nothing on this show should be considered specific, personal or professional advice.   Speaker 5 (00:40:45) - 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 yet Rich education LLC exclusively.   Robert Syslo (00:41:09) - The preceding program was brought.   Keith Weinhold (00:41:10) - To you by your home for wealth building. Get Rich Education.com.