Podcasts about builders

What does it really take to grow a family business, build a trusted local brand, and compete in a market full of short-term competitors?In this episode of the Builders of Authority Podcast, Adam McChesney sits down with Angi Hess, Vice President and General Manager of Spas and More, to talk about family business, leadership, marketing, company culture, and the evolution of the health and wellness market.Angi brings more than two decades of retail experience, including 19 years in management focused on human resources, payroll, and P&L management. Around 2016, she transitioned into the day-to-day operations of Spas and More as her father's health began to decline.Founded by her father in 2006, Spas and More has grown into a three-generation family business serving customers across Missouri, Kansas, and Illinois.In this conversation, Adam and Angi discuss:• Transitioning from retail management into leadership of a family business• Building Spas and More into a recognizable local brand• Shifting the company's messaging from luxury products to health, wellness, and recovery• Expanding beyond hot tubs into swim spas, infrared saunas, and cold plunges• Competing against fly-by-night companies through trust, consistency, and local service• Using home shows and expos as a major customer acquisition channel• Managing advertising internally to stay connected to performance data• Understanding how economic and political uncertainty can affect consumer buying behavior• Expanding across a large multi-state territory while keeping delivery and service in-house• Creating a family-first company culture with competitive wages and employee benefits• Leading from the front and being willing to do any job required to support the teamAngi also explains why Spas and More made the decision to build its own brand rather than relying exclusively on the Master Spas name. By emphasizing in-house delivery, service, and long-term customer relationships, the company has been able to differentiate itself in a competitive market.She also shares how the business has evolved alongside changing consumer priorities, positioning hot tubs, swim spas, saunas, and cold plunges not simply as luxury purchases, but as investments in physical health, recovery, and mental well-being.

Builders are currently offering huge incentives on new construction homes, to the point where buying "new" might be actually cheaper than buying an existing rental property in your market right now. Today we're breaking down how this overlooked investing strategy is saving rookies much more than you realize! Welcome back to the Real Estate Rookie podcast! This week, we're making the case for new builds as a very strong rental strategy: why builders are currently offering incentives that are hard to pass on, how to negotiate on a spec home, how to buy them with low money down, and the difference between buying new inventory and building from the ground up. We're also digging into walk-in equity and how getting into an early phase of a new community can put you ahead on day one. We'll also walk you through what to actually budget for land, financing, permitting, and your team before you even commit to a ground-up build.  If you're weighing building versus buying for your next rental, this episode will help you make up your mind. New doesn't have to mean expensive. Sometimes it means a better deal that's just hiding in plain sight! In This Episode We Cover Why many new construction homes are cheaper than resale homes in 2026 Why builders are offering massive incentives (and how to negotiate them!) The differences between buying a spec home and building from scratch How walk-in equity works, and how to actually get it on your next property What to budget for land, permits, and your team before you build And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-765⁠⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Builders have homes they need to sell. Real estate agents need transactions. The agents who connect those two problems may have one of the most overlooked opportunities in today's market. Tim and Julie Harris break down what's happening with new-construction inventory, including aggressive mortgage rate buydowns, closing-cost assistance, flex incentives and agent compensation being offered on select homes. But this episode isn't simply about selling new construction. You'll learn why monthly payment often matters more to buyers than purchase price, how resale sellers can compete with builder incentives, why agents need relationships with builder representatives, how old buyer leads may become opportunities again, and how one builder relationship can create buyer transactions, spec-home opportunities and resale seller referrals. Tim and Julie also explain why new construction should be included in your buyer presentation, how agents can find inventory outside the MLS, and how AI can help continuously research properties and opportunities for active buyers. Builders need buyers. Your job is to know the inventory, understand the incentives and become the agent who can connect the two. Free training: HarrisRealEstateDaily.comCoaching: PremierCoaching.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.Income results are not typical. Individual results will vary.

In this episode of the Mastering Rod Building Podcast, Bill Falconer talks with longtime rod builder and RodMaker Magazine publisher Tom Kirkman about one of the most common questions in custom rod building: how to price a custom fishing rod and build a business that is actually worth the builder's time.Tom explains why custom rod builders should not try to compete with factory rods on price and why a well-built custom rod should command a premium. He shares the advice that helped shape his own approach to pricing, including starting with the price of a comparable high-end factory rod, understanding what the local market will bear, and recognizing that if no customers ever hesitate because of price, a builder may be charging too little.The conversation covers component costs, labor, profit margins, warranties, customer-supplied components, rod repair, and why charging an hourly labor rate can actually penalize experienced builders for becoming more efficient. Bill and Tom also discuss how reputation, craftsmanship, specialization, and a recognizable building style can increase the value of a rod beyond the cost of the materials used to build it.Tom explains why successful builders need to offer something factory manufacturers cannot, whether that means tailoring a rod to an individual angler, solving a specific fishing problem, creating unique aesthetics, or serving a niche technique. He also shares ideas for growing a custom rod business through rod repair, tackle shops, craft shows, gift certificates, and other opportunities that put builders directly in front of potential customers.Bill and Tom also discuss warranties, pricing enough margin into each rod to cover legitimate failures, and the federal Sport Fishing Equipment Excise Tax that custom rod builders need to understand when selling rods. Throughout the conversation, Tom emphasizes that there is no universal price for a custom rod. Builders have to understand their market, the quality and value of their work, and what they ultimately want their rod-building business to accomplish.Mastering Rod Building is brought to you by Anglers Resource — your source for genuine Fuji Tackle components.Where to buy genuine FUJI®️ rod components (Area Distributors)Japan: FIRST Corporation — https://first-fuji.co.jp/ • mail@first-fuji.co.jpAmerican Continent (North & South America): Anglers Resource — https://anglersresource.net/ • info@anglersresource.netOceania: Frogleys Offshore — https://fujitackle.com.au • enquiries@frogleysoffshore.com.auSpain/Czech/Finland/Sweden/Estonia/Latvia/Poland/Denmark/Belgium/Germany/Netherlands/Ireland/Luxembourg/France/Portugal/UK/Norway/Belarus/Ukraine/Russia:: CALICO S.A. (Kalikunnan) — https://kalikunnan.com/ • fuji@calico.esEurope: MAJORA Intelligent Fishing (FUJI Tackle Italy) — https://www.fujitackle.it • info@fujitackle.itAsia: KOWA Company, Ltd. — fujitackle@kowa.co.jp

The guys agree that fun and interesting cars are the ones that drive brand awareness. Nearly every manufacturer seems to be rediscovering this fact, after years of poor management and missteps. Motorsports is the future, and fun is the future of driving! 00:00 - Intro 0:20 - Fun Cars Are The Brand Builders 4:10 - Lotus Teases The V6 Esprit 7:12 - Porsche Introduces Another 911 Variant 12:34 - Hyundai Scaling Up Performance Credibility 15:26 - Toyota Confirms Return Of Celica 21:10 - Car Debate #1: Stop Buying BMWs 1:00:11 - Car Debate #2: The Perception Predicament 1:12:41 - Car Conclusion #1: The Right Answer For Families 1:14:25 - Car Conclusion #2: Two Of The Same Thing?! 1:16:44 - Audience Questions On Social Media Thanks for taking the time to watch, and remember to support our sponsors Griot's Garage, Vredestein Tires, FCP Euro, Powerstop Brakes and Autotempest.com #griotsgarage #vredestein #fcpeuro #powerstopbrakes #autotempest #cardebate #carconclusion #motorsports Rate and review us on Apple Podcasts, and subscribe to our two YouTube channels. Write to us your Topic Tuesdays, Car Conclusions and those great Car Debates at everydaydrivertv@gmail.com or everydaydriver.com Instagram.com/everydaydriver Facebook.com/everydaydriver Audio-only MP3 is available on Spotify, Apple Podcasts and 10 other platforms. Look for us on Tuesdays if you'd like to watch us debate, disagree and then go drive again! Learn more about your ad choices. Visit megaphone.fm/adchoices

Hoje o papo é sobre as os desafios globais na nova era da IA. Neste episódio, Paulo Silveira lê e comenta o texto “A era turbulenta da IA chegou. As escolhas que fizermos agora serão críticas”, assinado por Bill Gates, no qual ele aponta três desafios que, em sua visão, a humanidade precisará enfrentar de forma conjunta para reduzir os impactos negativos que os avanços da IA podem trazer.  Links:  Artigo do Bill Gates Artigo do Mark Zuckerberg Livro A Geração Ansiosa, de Jonathan Haidt Inscreva-se na Hipsters.Builders, a newsletter da comunidade builder. Toda semana, a principal newsletter de quem constrói software no Brasil traz notícias, citações e movimentos da comunidade Builder do X, do Hipsters e do IA Sob Controle, além dos melhores links e eventos. Direto no seu e-mail. TechGuide.sh, um mapeamento das principais tecnologias demandadas pelo mercado para diferentes carreiras, com nossas sugestões e opiniões. #7DaysOfCode: Coloque em prática os seus conhecimentos de programação em desafios diários e gratuitos. Acesse https://7daysofcode.io/ Produção e conteúdo: Alura Cursos de Tecnologia – https://www.alura.com.br Edição e sonorização: Rede Gigahertz de Podcasts

Keith explores how real estate strategies have shifted from the 1980s to today and explains why investors need to adapt deal structures to changing interest rates, lending conditions, and market cycles.  He highlights current opportunities in new construction and builder rate buydowns, along with the long-term benefits of fixed-rate debt.  Keith is joined by economic futurist and author Richard Vague, who challenges conventional beliefs about inflation and interest rates and explains how government intervention, war, and supply constraints shape asset prices and leverage decisions. Together, they provide a big-picture framework for understanding how today's macro environment affects real estate investing decisions. Episode Page: GetRichEducation.com/621 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. Learn how dramatically real estate has changed from the 1980s through the late 2020s. We'll be sure that your approach is changing with it. Then a great guest and I discuss how war and future calamities will affect mortgage rates, inflation, and your real estate today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Home Buyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that September 30th. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   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  1:51   Welcome to GRE from Cambridge, England, to Cambridge, Massachusetts, and across 188 world nations. I'm Keith Weinhold. You're inside Get Rich Education. You could be doing anything with your time. I'm grateful that you choose to listen to me every week. You know, real estate investors sometimes say, "Ah, there aren't any deals anymore. What they usually mean is the deal structure that they learned five years ago stopped working. There are always opportunities in real estate, but your approach changes with interest rates, lending standards, inventory, construction, government policy, and just the overall economic cycle. The best investors don't wait for yesterday's market to return. That's like someone still hoping for Blockbuster Video Store to reopen. They identify what today's market is offering instead. Just consider this historic retrospective on real estate investing from the Reagan administration to today, in 1981, the 30-year mortgage rate peaked above 18.6%. I mean, just imagine proudly telling your friends that you locked in at 17% before rates went higher. That mortgage needed its own defibrillator. By 1984, rates were still near 16%. The strategy then, the approach, was for a buyer to assume the existing owner's lower rate mortgage that they locked in a few years earlier, perhaps in the late 70s, that's how you got a good deal, assuming that existing owners lower-rate mortgage. You can't do that so easily today.   Keith Weinhold  3:50   By the late 80s and early 90s, the opportunity shifted from assuming attractive debt to buying distressed properties. The S and L crisis was upon us. Savings and loan failed lenders found themselves holding piles of distressed real estate, so investors bought foreclosures and REOs at discounts. They improved neglected buildings and then they repositioned them for income. You probably know that REO stands for real estate owned on a bank's balance sheet. All REO means is bank-owned property, but that's what you did. You found those, and then you scooped up a deal that way. As the 1990s progressed, interest rates declined, and loans also became really easy to obtain. We were tilting into the loosey-goosey easy lending environment. In the 90s, it was popular to buy an undervalued property, renovate it, raise the rent, and refinance it based on the improved value. That process later got a buzzy acronym and became known as the Burr strategy: buy, rehab, rent, refinance, repeat. By 2005, financing got more creative. This is when I was a new real estate investor. I remember obtaining what were known as 8015 five combo loans. This meant an 80% first mortgage, 15% second mortgage, and 5% down payment. You remember those? If you've been around for a while, you do. And see, this way you could avoid paying PMI, and you could control property with an astounding 20 to one leverage ratio due to that 5% down payment, but soon enough lending just got absolutely too creative and easy. The quiet lending party turned into a boisterous kegger, delivering the 2008 financial. crisis, and pretty soon I could no longer get any loans. From 2009 through the early 2010s, you could buy foreclosures and short sales at enormous discounts if you could find the loan.   Keith Weinhold  6:20   Financing was tough, but prices were super low. It might have even made sense to pay cash at that time. Fear was everywhere right after the global financial crisis. I mean, it really took courage to act when others were hiding under the bed. By 2020 and 2021, the opportunity changed from cheap property to cheap money. Mortgage rates dropped below an absurd 3% as a result of the COVID pandemic. You could lock up extraordinarily cheap debt for less than the inflation rate, and then let inflation nibble away at it like Pac-Man. Of course, a lot of us are still benefiting from that today, but that opportunity is long gone now. But it doesn't mean that deals are gone today. Where's the opportunity? One of the best ones is often found in new construction, large build. have got to keep moving their inventory as they build these homes because they have got to keep their crews busy. An unsold house for a builder-I mean-that produces as much income as an unplugged Bitcoin miner. Rather than make conspicuous price reductions, builders use their financial muscle to buy down mortgage rates for you, often in the 5% range or even lower.   Keith Weinhold  7:52   Builders might also offer you closing cost assistance, upgraded finishes, or other incentives that a single resale seller just can't match. So from the Reagan administration to today, over 45 years, the winning strategy just keeps morphing. It started out back then as assume the loan, over to buy distress, then to renovate and refi, then it was a creative financing wave, and then cheap debt, and today take the builders buy down. That's where we are. The mistake is deciding in advance what a deal is supposed to look like. The best deal structure changes, and of course, it's going to change again. The investor who keeps fighting the last war is always going to conclude that the opportunity has disappeared, but it hasn't. It's just changed clothing. Still, though, today's new purchases now-they're not as good as the deals that they were five years ago, but the best investors keep investing. They keep adding to their portfolio. It's what they've always done. Absolutely zero winning investors that are successful over time look back and say things like, "I didn't add anything to my portfolio during that 10-year span for this or that reason, the market changes, and you've got to adapt with it. That's a way to think about it. Take solace in knowing a few things. Deal structure changes over time are inevitable. And larger picture, you are investing in a product that is sustainable residential real estate in the form of long-term rentals. These entry-level properties are a scarce asset that people are going to continue to need. I mean, that's what we do here. Just compare. To the fads that we avoid around here, like NFTs, metaverse real estate, which we discussed on the show a few years ago, but said is highly dangerous, eye buying, value add apartment syndications, SPACs, or how about ICO funded altcoins? We don't chase the latest hot thing here at GRE. It is about what's sustainable, necessary, and cannot be easily disrupted by AI, and that's one reason that Get Rich Education is still standing strong after 52 episodes every year for almost 12 years now. Shortly, we're going to bring in a rather esteemed guest today on the future direction of interest rates and inflation. Interestingly, he believes that raising interest rates does not cool inflation, and that's contrary to popular belief. I'm going to press him on this and ask why, but first, our new Fed chair, Kevin Warsh. He's only been on the job a few months now.   Keith Weinhold  11:07   He is gaining a reputation for not forecasting what they're going to do ahead of time, like his predecessor had. I guess I tend to like his disposition and the way that he communicates, I sense some pragmatism with Warsh, but gosh, it often seems that a new Fed chair gets off to a well liked start, and then they do something that lots of people criticize. Like, remember in 2004, late Fed Chair Alan Greenspan suggested more borrowers could benefit from adjustable rate mortgages shortly before rates rose and ARM resets became financial landmines. In 2007, Ben Bernanke said that subprime mortgage problems were likely to be contained. Oh, right after that, they helped trigger the global financial crisis, and more recently, the Jerome Powell gaffe, which I'll mention in the interview shortly. Here's what current Fed Chair Warsh says about inflation:   Kevin Warsh  12:14   For some households, businesses, and market professionals, five years of high inflation have left a mistaken impression, that's hard to shake, that the Fed's implicit inflation target was somehow above 2% Let me reiterate, there is no soft inflation target. There is no soft implicit target, not on this committee's watch. There's only a target, and it's 2%   Keith Weinhold  12:42   It's obvious that he is serious about getting inflation back down to 2% That tends to point toward interest rate increases. Let's discuss that and more with this week's brilliant guest. This week's guest is an economic futurist keynote speaker, and he's quite a popular author. He is chair of the board of the Public School Employees Retirement System. That's the largest public pension fund in Pennsylvania. Previously, the Pennsylvania governor appointed him as the secretary of banking and securities for the Great Commonwealth of Pennsylvania, he's also the founder and president of several various organizations today, and he serves on several boards, including at the University of Pennsylvania and the School District of Philadelphia. I mean, I hardly know how he has time to do it all, but he made time for us today. Hey, it's great to welcome back Richard Vague.   Richard Vague  13:45   It's such an honor to be with you. I certainly enjoyed our last session, and it's really wonderful to be back.   Keith Weinhold  13:51   Well, and so much has changed since you were last here, Richard. First, why don't we pull back and talk to us about the general state of the national economy today, as you see it.   Richard Vague  14:04   ou know the economy was rocking along okay, and you know since you guys are such experts in real estate, I'll tell you one of the most important statistics, in my opinion, is the number of unsold homes, and by all rights, that number should be about 2 million homes. It's only about a million and a half. So there's a deficiency in our housing stock in the United States, which is, yeah, I think good news for the housing industry. It's always good to have a reason to have to grow. You may recall that in 2007, that had gotten up to four millinomes, which was a catastrophe, as we all know. So, it's the economic statistic I looked at first and most closely, and that was, you know, an okay number, and a lot of the things were going along. You know, not fabulous, but not terrible. Things were kind of moving. And all of a sudden now we have the war in Iran, and that's creating all sorts of problems for us, which you know I think you guys are concerned about. So I generally think the economy's been good, but there's a lot of dark clouds on the horizon.   Keith Weinhold  15:15   You know, Richard, I was recently sharing something remarkable with our audience. To your point, just since 2020, consider all the calamities that we've had: COVID, Ukraine, Israel, Gaza, tariffs, and the Iran War. Just since 2020, what's the result of all that? Both stocks and residential real estate are near all time highs.   Richard Vague  15:42   Yeah, well, you know, one of the things that's true is that this is something I go to in great detail in my book Paradox. But the more debt there is, the higher asset prices go.   Keith Weinhold  15:53   Yeah.   Richard Vague  15:54   You know, in the case of housing, that broadly helps middle America. In the case of the stock market, the top 10% of the country owns 87% of the stocks, so that tends to go to the wealthiest instead of to the broad population. But yeah, those two things are at highs.   Keith Weinhold  16:12   You're touching on your well-received 2023 book, The Paradox of Debt, and you know, Richard, amidst all these calamities and all this potentially unprecedented level of government intervention that we've had-you know-it makes one wonder during the next crisis, which is inevitably going to happen, will the government just step in and provide relief again? And how would that look?   Richard Vague  16:38   You know, I think that's one lesson that government has learned indelibly. Way back in 1929, in the couple of years that followed, the government did not step in, and we saw what happened. And I think there's a generation of economists that understand the role of government in a calamity, and you know it's pretty simple. You know the government comes in and crops up financial institutions as they did in 2008, simply by providing the liquidity or buying the bad assets, or the government steps in with relief checks as they did in such a massive way in 2020. But the government has learned that at least to some degree, it needs to intervene. I can't imagine that ever not being true.   Keith Weinhold  17:26   Goshmright when you think about 2020s stimulus and how emergency lending facilities were set up, you had the payment protection program, stimulus checks, mortgage loan forbearance. It's just like this government won't let the asset holders fail.   Richard Vague  17:46   Well, yeah, you know, there's failure, and then there's something that's hurtful but not quite failure. You know, I can imagine that the government will be able to prevent, in some circumstances, certain asset prices going down some amount, it's actually fairly commonplace for stocks to go down 10 or 20% I can see real estate prices going down as they have in the commercial office space. Yeah, but yes, the government will step in when those things become extreme to prevent a true calamity.   Keith Weinhold  18:19   Of course, one consequence of the interventionism is elevated inflation. I know how you've talked before about how the level of inflation is higher than most people think. For example, you'll see today's CPI numbers in the mid threes. Talk to us some more about why inflation is higher than most people think.   Richard Vague  18:41   Well, I have studied inflation, you know, fairly diligently, and inflation really relates to the constriction of supply. And if you look over the 250-year history of the United States, we haven't had that many episodes of bad inflation, and they've always related to a constriction of supply. Most of them have occurred during a war when, for obvious reasons, you know, supplies are constricted. The big 1970s episode of inflation was because OPEC, which had so much more power back in those days, acted to you know punish the United States by constricting supplies, and the price of a barrel of oil went from $4 to $40 a barrel. Yeah, between 73 and 79. COVID was another instance where inflation related to constriction of supply. That was you know people couldn't go to the meat factory to cut meat. People couldn't go to the factories to build things, so all of a sudden our supplies were decimated, and we had a short burst of very painful inflation. Well, now we've got the straight of four moves, and that is impacting the price of oil. I think it's going to impact the price of oil more going forward because. Because we've been able to rely on reserves, both the U.S. has been able to rely on reserves, and China has been able to rely on even greater reserves. And you know we haven't seen the brunt of that, but unless something's resolved pretty quickly, I think in the fall and winter we're going to see even more problematic prices there. But we know agricultural prices and even the flow of commodities like wheat are constricted by the constraints in the Strait of Hormuz and, frankly, other waterways as well. Now, one of the things the numbers that you see reported tend to underreport inflation because it looks at a year-over-year number and doesn't really capture it if it's moved up more sharply in the last month or two. So we look at it on a month-by-month. We you know we break it down about as to as many parts as you can break it down into. But PPI, which is kind of a leading indicator on the eventual CPI PPI's producer price index, it was 4.7% this last month. That would suggest to you that things which are in the mid threes now, which is more higher than we want, you know, probably trending over. Maybe not next month, but you know, over the next three to six months, I'm not going to be surprised if the number's more in the four to five range. So, yeah, I think inflation's being somewhat underreported at the moment.    Keith Weinhold  21:29   The PPI being that harbinger of consumer prices, often four to six months down the road. And Richard, the last time you were here, when it comes to checking and controlling inflation, you said something so interesting. You said that higher rates, which is typically the response in order to try to quell inflation, higher rates actually do not lower inflation, and you did not get a chance to expand on that because we ran out of time. Tell us more about why higher rates do not reduce inflation.   Richard Vague  22:05   Well, I'm going to answer that a couple of ways. One of them is higher rates don't open the Strait of Hormuz.   Keith Weinhold  22:12   Right.   Richard Vague  22:13   You can put rates as high as you want, and it's not going to open the Strait of Hormuz.    Keith Weinhold  22:16   Chairman Warsch doesn't open the Strait. Yes, he doesn't get oil produce nothing.   Richard Vague  22:20   Strait of Hormuz.   Keith Weinhold  22:21   Yeah.   Richard Vague  22:21   And so we can do all we want to on raids, which is a very blunt instrument, and it's not going to address the supply constraints that are geopolitical and war related. So, if you want to curb inflation right now, there's two things to do. One of them's you know end the war with Iran, and the other is to kind of back off a lot of these tariffs that have become so problematic. I think there's a place for tariffs. I think there's certain things China's doing that you know a call for an appropriate level of tariffs. I'm not sure we should be big tariffs on Canada and some of these other places, which have the effect of increasing the cost of our farm equipment and cars and other things like that. So, if you really want to address inflation and address the things that truly underlie inflation, and if the second way I'd answer this is to say, go look at the debt, track the data from you know 1945 or 50. You know, we really look at the post World War II period as the place we really learn things from, and over that period, increased government spending has been accompanied by reduced interest rates and reduced inflation. So, reduced interest rates and reduced inflation have gone hand in hand, and rising interest rates and rising inflation have gone hand in hand, and it's a really easy thing to look at. We've got the data on our site, but there's only been three periods where you've had big shifts in government spending and rates. They're pretty easy to look at, and there's actually empirically an inverse relationship between rising interest rates and it's the opposite of what economists tell you.   Keith Weinhold  24:09   I think, in general, economists tell us that when inflation is high, you raise interest rates because consumer spending is about 70% of the economy, and those higher rates therefore incentivize people to be savers because they're getting paid a higher yield, keeping those dollars out of the economy, and they're less incentivized to be borrowers and expand the economy that way. I think in general that's why economists say that higher interest rates reduce inflation. Do you agree with that?   Speaker 2  24:40   Well, no, I don't, and the reason I don't is because when you look at the data, that doesn't happen. These are easy things to check, and what I would say to you is that rising interest rates increase costs, and you guys know that better than anybody in the world.   Keith Weinhold  24:56   With mortgages. Yeah.   Richard Vague  24:58   What do rising interest rates do to? Cost of your mortgage.   Keith Weinhold  25:02   Everything increased substantially.    Richard Vague  25:03   It has system prices at the grocery store. Well, the grocery stores have to pay our interest for their inventory. So the more intuitive and obvious thing is that rising interest rates increase prices. And by the way, if you and I were to go look at the data right now, which I look at almost daily, that we would see periods of rising interest rates correlate to periods of rising increased costs.   Keith Weinhold  25:29   Well, I'm glad you look at history because I often say here at Get Rich Education, if you want to know what's going to happen in the future, it's easy to have a hunch, but it's more important to look at history. Can you talk to us some more about how, over the long term, higher interest rates don't suppress inflation? If that's what you're saying,   Richard Vague  25:47   yeah. The greatest rise in inflation, you know, in my lifetime was the late 1970s.   Keith Weinhold  25:55   Yeah,   Richard Vague  25:56   and for the entire time that interest rates were going up, prices and inflation were going up, and it wasn't until interest rates started coming down that inflation started coming down. So we could look at any number of periods, and if you're going to argue the opposite, you need to go find me some data.   Keith Weinhold  26:15   Okay. Well, speaking in more modern times, in the last wave of inflation that we had, the CPI peaked at 9.1% in June of 2022. This is the whole famous Jerome Powell: inflation is only transitory. Oh shoot, no, it's not. I better hike rates. He did, and then inflation came down. Is it as simple as that cause in effect, or did something else make inflation come down post COVID.   Richard Vague  26:42   Inflation came down, and it came all the way down in July of 2022. It didn't come down gradually over six, 912, 18 months. You go look at the length monthly inflation. Inflation came all the way down in July of 2022, and stay has stayed down all the intervening period until very recently with the Iran War. July of 2022 was before there was a dramatic increase in interest rates.   Keith Weinhold  27:18   Right,   Speaker 1  27:19   that's simple.   Keith Weinhold  27:21   What caused inflation to come down? Then is it because supply began to arrive on the market again?   Richard Vague  27:27   People went back to work, started building things again.   Keith Weinhold  27:30   Producing.   Richard Vague  27:32   And the problem was folks had not been able to go to the factories and make things, and so we had a you know global supply deficit. Well, the nice thing about that is that you know money incends people to scramble back to work, make things again, and you know once they start doing that, and the Fed actually produces something they call the Global Supply Chain Pressure Index. You can get it on the Fed site. If you look at it, it's supposed to be kind of at zero, and anytime supply chains are disrupted, it shoots up. And any you know, any time the opposite happens, you know there's overcapacity. It goes down, and you can see exactly when supply chains repair is happening. So go look at the. It's called the GSCPI. It's on the Fed side. You'll see that global supply chains had largely started to be dramatically repaired in the spring and summer of 2022, and naturally, supply and demand works. All of a sudden, supply starts showing up, and prices go to hell.   Keith Weinhold  28:39   We're talking with economic futurist author and Pennsylvania's governor-appointed former secretary of banking and securities Richard Vague, more when we come back on the affliction of inflation, what this means for real estate investors, and more. This is Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  29:29   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866. That's family to 66866.    Dolph Derues  30:31   This is the king of commercial real estate, Dolph Derues. Listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  30:45   Welcome back to Get Rich Education. We're talking with Richard Vague. Richard is the founder and president of so many organizations today. He's the author of several popular economic books. He chairs the board of the Public School employees retirement system. That's the largest public pension fund in Pennsylvania. He's in a lot of places at once, seemingly. Richard, we're talking about inflation before the break. What is the right inflation rate?   Richard Vague  31:16   Well, like I said, inflation. If you look at the entire 250-year span of the United States has it been an affliction that has affected us that often? It is political kryptonite. So when it does happen, it steers our consciousness, and it you know certainly affects your industry. But you know, if we look historically, the Fed targets 2% It's not a bad thing to target. We never really have achieved that level for any length of period. I think if you look at it over the past several decades and take out the high inflation periods, it probably has averaged closer to three. So I don't think two to 3% is an inappropriate level, and I kind of suspect it'll be a level that typifies our future once we get past, if and when we get past this more.   Keith Weinhold  32:09   Yes, not long ago, I was looking at the history of the CPI or the CPI's equivalent, and over the last 100 years, the rate is about 3.2% and we haven't hit that government-mandated 2% target, which is stated right on the Fed's website. We haven't hit that for any month in about five years now, and this asset inflation, as we know, this disproportionately enriches existing asset owners, and it widens this inequality. Something that's more recently been known as the K-shaped economy, can you talk to us some more about this exacerbating wealth inequality?   Richard Vague  32:48   Well, you hit the nail on the head. Something on the order of 80% of all the net wealth held by Americans is in the form of two things: stock and real estate. If you want to talk about wealth, it's those two things, and those two things, probably 60 or 70% of all of those in the U.S. are held by the top 10% I think it's a single-digit number of those that are held by the bottom 50% So you know, if inflation and debt growth push asset prices up over time. It is a mathematical inevitability that the rich get richer faster than those in the middle and at the bottom, and that simply means inequality will increase through time. I believe that's structural. Unless you address that in very some very specific way it will continue.   Keith Weinhold  33:43   Inflation affects real estate investors more than it does the average person because we borrow these big pools of money often at 75 to 80% loan to value, and in a sense, although we know it's bad for general society, and we do think about the K-shaped economy. Of course, inflation benefits us because it debases our debt. But even if you're not a real estate investor, even if you just own your own home, you know, Richard, I really think it begs the question: Is a 30-year fixed-rate mortgage one of the best forms of debt ever created for ordinary Americans?   Richard Vague  34:22   The 30-year mortgage, which was created, you know, that started on that path in the 1930 s for the very reasons we all know and love, which is getting Americans to own their own home, and has been, you know, a game changer for the country, and truly one of the great things that's been done, and I hope it's something that we continue to defend and preserve.   Keith Weinhold  34:46   Well, that brings up leverage and the prudent use of leverage. As real estate investors, we have this benefit of getting all these 30-year fixed-rate loans without the threat of a. Margin call being made. We're not borrowing over in the stock market. When you sign your loan documents, it doesn't say that the bank can call your note due at any time, but one could take it too far. And when it comes to debt, I think that really begs the question: Where does intelligent leverage end, and then dangerous leverage begin. What's the border?   Richard Vague  35:25   Well, you guys are experts, and I'm not. But the very simple premise is starts with not overpaying for the property to begin with. It is not an exact science, but generally speaking, I think we can tell when prices are relatively high in a given market and or a given year and relatively low, and you you'd always want to kind of be at least in the middle or somewhat on the low end before you acquire a property. So that's step number one, and then step number two is really just giving yourself a buffer, you know. We saw in the global financial crisis that real estate loans were being made in some cases at 100% of value. Yeah, and frankly, we saw at least some episodes within that folks borrowing over 100% of value, and certainly they were very happy when that happened. But we know there's zero margin for error when you do that, and perhaps even a negative margin for error when you do that. So I would think, you know, you guys know better than me, but you know, I hate to borrow it much more than like 90% of value, maybe 95% if it's a smaller asset and you have a government guarantee, and if you can do it at lower leverage, you know, 70 or 80% of value, that's not a bad thing to consider. I tend to think in the real estate world that you know I've seen many investors, particularly in the commercial space, buy things with lower leverage, 50 or 75% But then, as the asset proves itself, they work with their lender to increase the debt-to-value ratio, you know, and get more money at it over time as it becomes an increasingly proven asset. So they migrate their way from 75% to 95% over time. I think that's a logical path.   Keith Weinhold  37:20   That acronym Ninja Loans, which were popular from about 2000 to 2007, that acronym Ninja means no income, no job or assets, and you might still get a loan of 110% of the value of the property. It was profligately irresponsible. Well, Richard, in a moment, I want to ask if you have a resource that our audience can follow along with you if they would like to do so. But before I do that, do you have any last thing that you would like to talk about? Maybe something that I did not ask you, whether it has to do with the general economy or real estate or interest rates or inflations. Is there something else that we should know?   Richard Vague  38:00   What I would do is just endorse your podcast.   Keith Weinhold  38:04   Thanks.   Richard Vague  38:05   You're approaching this in a very intelligent way, and you're very empirical, and I think your listeners are doing themselves a service by continuing to follow what you do. That's a really reasonable, secure, and yet bold path towards creating wealth, then I think you're to be commended.   Keith Weinhold  38:27   Oh, I appreciate the endorsement. I'm always blown away at our following, but you have some resources worth following as well. Tell us about that.   Richard Vague  38:36   Well, we do. We have a weekly video ourselves that it's about a five-minute video, and you can go to our website, which is tycos.com. So t y c h o s.com, and you know we have data on the site. If you're a real geek, you could go in and you can look at our macroeconomic data. You know, but if you're not, you can sign up for the video, and we come out with what we hope is a short but relevant video once a week talking on some aspect of the economy, and you know we'd love to have folks join that if they're interested.   Keith Weinhold  39:10   Well, it's valuable. I suggest you, the listener, check that out. Richard oftentimes turns conventional economics on his head, just like he did with us today, talking about how if there's higher interest rates, that does not necessarily mean lower inflation. Richard, it's been valuable as always. It's been great having you back on the show.   Richard Vague  39:30   It's an honor to be with you. Keep up the great work.   Keith Weinhold  39:38   In this remote interview, I got a beautiful look over Richard's shoulders there on the screen at Center City, Philadelphia, in the ornate buildings there. I will be in that part of the nation again shortly. Big thanks to Richard Vague. If you're looking him up, it is spelled V-A-G-U-E. We've got a. A lot of terrific content coming up on the show over the next few weeks, including fresh takes on building your wealth that you've never heard before. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 3  40:18   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  40:46   The preceding program was brought to you by your home for wealth building. getricheducation.com  

Today's episode features female founders of two communities: Jennifer Shoop, Magpie, and Aly Wente and Niki Wente, The Wine Sisters Book Club. Both groups have prioritized books — in addition to birds, wine, and more interests and avenues. Jennifer Shoop's book, Small Wonders: A Field Guide to Life's Quiet Joys, was absolutely beautiful. Hosted on Acast. See acast.com/privacy for more information.

Wilson Harwood has thought about nothing but soundproofing for six years, and Mark gave him a full hour to prove it. They cover why the quietest room in the world makes people fall over, how a perfectly square tile shower becomes an acoustic disaster, and what builders can actually do to make homes meaningfully quieter without going full recording studio. Mark even brings up Mysa Hus and gets his work graded live, which takes some guts. Support the show - https://www.curiousbuilderpodcast.com/shop See our upcoming live events - https://www.curiousbuilderpodcast.com/events The host of the Curious Builder Podcast is Mark D. Williams, the founder of Mark D. Williams Custom Homes Inc. They are an award-winning Twin Cities-based home builder, creating quality custom homes and remodels — one-of-a-kind dream homes of all styles and scopes. Whether you're looking to reimagine your current space or start fresh with a new construction, we build homes that reflect how you live your everyday life. Sponsors for the Episode:  Pella Website: https://www.pella.com/ppc/professionals/why-wood/  Olive and Vine Socials Website- https://oliveandvinesocials.com/ ReadWoodFloors Website: https://realwoodfloors.com/ Where to find the Guest:  Website: https://www.soundproofyourstudio.com/ YouTube: https://www.youtube.com/@soundproofyourstudio Where to find the Host:  Website - https://www.mdwilliamshomes.com/  Podcast Website - https://www.curiousbuilderpodcast.com Instagram - https://www.instagram.com/markdwilliams_customhomes/  Facebook - https://www.facebook.com/MarkDWilliamsCustomHomesInc/  LinkedIn - https://www.linkedin.com/in/mark-williams-968a3420/  Houzz - https://www.houzz.com/pro/markdwilliamscustomhomes/mark-d-williams-custom-homes-inc

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the mortgage rate outlook for the rest of 2026. Related to this episode: Fed Chair Warsh will vote to hike rates if data doesn't improve HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HousingWire Mortgage Banking Summit – October 1 More info about HousingWire Top 5 Trending: Real REMAX Group halts Motto Mortgage franchise growth Fed Chair Warsh will vote to hike rates if data doesn't improve Ryan Serhant doesn't want to buy your brokerage. He wants your agents Builders face a tougher math problem as completed inventory rises As Kortas and Casa make peace, AIME is back in the mix Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

A coaching call with a Builders client sparks a reflection on how to make hard decisions when you know something is worth doing but the cost feels uncertain. Through an end-of-life thought experiment — picturing yourself looking back with your kids grown and healthy, Taylor illustrates that we often make long-term decisions based on short-term fear.About Taylor WelchTaylor Welch is an entrepreneur, author, and host of The Deep End a growing media platform exploring the intersection of God, money, business, and psychology. He is also the Founder & CEO of Novos Network, a research and training company focused on identity reform and personal development, offering workshops, events, in-person trainings, and online programs for individuals and entrepreneurs seeking to grow personally, professionally, and spiritually. You can find our upcoming events and workshops here.Taylor is the author of three books:- The Currency of Heaven: How to Trust God for More Than Enough- Winning At Sales: How to Get So Good People Say “Thank You” For Letting Them Buy- The Wealthy Consultant: Confessions of a 9-Figure AdvisorSOCIALS:Website: https://taylorawelch.com/Twitter: https://twitter.com/taylorawelchInstagram: https://www.instagram.com/taylorawelch/YouTube: https://www.youtube.com/@taylorawelchFacebook: https://www.facebook.com/taylorawelchprofileTikTok: https://www.tiktok.com/@taylorawelch

274 - Fantastic Negrito In episode274 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with Fantastic Negrito! In their conversation FN is making his way to the airport for gigs in the southwest after spending two months touring Africa, Asia and Europe. FN speaks about his farm and farming in Oakland and he talks about moving from the Berkshires to Oakland when he was 12 and how that changed his life. FN describes when and how he picked up guitar and how he's recovered from an accident that left him almost losing his hand and in a coma for three weeks. FN tells us about his band and his gear Gibson's and Fender's and he talks a bit about endorsements. FN discusses his guitar hero's and his new hero's that his son has turned him on too. Finally FN talks about his new live album and series of concerts with the San Francisco symphony and he tells us about winning NPR's tiny desk concert at the age of 47. To find out more about Fantastic Negrito you can go to his website: fantasticnegrito.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #FantasticNegrito #Prince #GibsonGuitar #FenderCustomShop #SanFranciscoSymphony #FantasticNegritoLive #JamesPatrickRegan #theDeadlies #haveguitarwilltravelpodcast #HGWT #tourlife https://www.patreon.com/cw/HaveGuitarWillTravelPodcast Please like, comment, and share this podcast! Download Link

Fear of judgment can stop a great idea before the market ever gets a chance to respond.And that can be far more expensive than criticism.In this episode of The Level Up Podcast, Paul Alex breaks down why aspiring entrepreneurs need to stop letting friends, coworkers, and spectators influence decisions they have never earned the right to make.Not every opinion deserves equal weight.The people watching from the sidelines are not taking the risk.They are not building the product.And they are not your customer.In this episode, you'll learn:• Why fear of criticism keeps entrepreneurs from launching• How other people's insecurity can show up as judgment or negativity• Why customer behavior and market response matter more than social approval• How detaching your self-worth from outside opinions creates stronger executionThe truth is simple:You cannot build something meaningful while constantly asking the crowd for permission.Launch the idea.Study the response.Follow the data.Improve based on what the market actually tells you.The goal is not to impress everyone watching.The goal is to create something valuable enough that the right people are willing to pay for it.Ignore the noise.Execute the vision.Let the results speak.Your Network is your NETWORTH!Make sure to add me on all SOCIAL MEDIA PLATFORMS:Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you:www.CashSwipe.comFREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com

Is it better to buy an existing property with value-add potential or a new construction home in 2026? For years, there was no debate. The ability to buy a property at a discount, add value through renovations, force appreciation, and recycle your money made the BRRRR method a no-brainer for most investors. But in 2026, things are a little different. Builders are sitting on inventory, which means new homes are being sold for less than we've seen in years. Not to mention, builders are giving buyers massive incentives like mortgage rate buydowns, closing credits, and even price reductions—just to get these properties off their books. But are these perks enough to make new construction a better option than the BRRRR strategy? Today, we're going to put them head-to-head and find out. I'm comparing two real estate deals in the exact same market—a new construction home and a value-add property. We'll crunch the numbers and see which strategy actually comes out on top from a cash flow and appreciation perspective. The answer may surprise you. In This Episode We Cover Three scenarios when you might prefer a new build to a fixer-upper A head-to-head comparison of two real estate deals in the same market How to negotiate huge builder incentives when buying a new home How to choose the right investing strategy for you in 2026 The biggest pros and cons of buying a new construction home And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1323. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Every Friday around 8:15​-8:20 a.m. on KFAN 100.3 the Power Trip Morning show plays the Initials Game presented by Builders and Remodelers!The game involves 12 items people, place, things, phrases or anything as long as they share the same initials. All 12 items share the same initials. The contestants do not know the initials until they are revealed shortly before the game starts. Each item has 6 clues. As soon as the contestants know who or what the host is describing, they yell out their name. Their name is their buzzer. If the contestant gets it right, they get a point. If they get it wrong they are out for just that item. The item does have to be pronounced correctly. It is best out of 12 with tiebreakers if needed. Tiebreaker items have 3 clues.#InitialsGame #ThePowerTrip #KFAN1003FOLLOW The Power Trip on Social Media:► Like the show on Facebook: http://www.facebook.com/PowerTripKFAN​​► Follow the show on Instagram: http://www.instagram.com/PowerTripKFAN​​► Follow the show on Twitter: http://www.twitter.com/PowerTripKFAN​​► Follow Cory Cove on Twitter: http://www.twitter.com/CoryCove​​► Follow Chris Hawkey on Twitter: http://www.twitter.com/Chris_Hawkey​​► Follow Meatsauce on Twitter: http://www.twitter.com/Meatsauce1​► Follow Mark Parrish on Twitter: http://www.twitter.com/MarkDParrish► Follow Marney Gellner on Twitter: http://www.twitter.com/MarneyGellner► Follow Zach Halverson on Twitter: http://www.twitter.com/ZachHalverson See omnystudio.com/listener for privacy information.

Builders openly bragging about dodging tax at a trade show, Trump quietly admitting his own tariffs backfired by striking a deal to import cheaper beef right after telling ranchers he had their backs and an American food safety crisis. Jemma and Marina have a lot to talk about what with food recalls stacking up in the US. There are dodgy eggs, blueberries, cheese and lettuce, as regulators get gutted from underneath. Then, closer to home: Reform UK's baffling new housing policy. Announced by divorced Richard Tice, it prioritises married couples and quietly punishes single parents and people fleeing abusive relationships. Lee Anderson and Laila Cunningham try to defend. Plus, the one story this week that'll actually restore your faith in people, because sometimes trawlers, it's not all bad news. The Trawl ladies end on a note that will warm your cockles. Enjoy! Join The Trawl's Facebook BRAND NEW Facebook Group: https://www.facebook.com/profile.php?id=61590931382660Get your tickets for The Trawl Live from https://thetrawl.tix.to/ticketsThank you for sharing and please do follow us @MarinaPurkiss @jemmaforte @TheTrawlPodcast Patreonhttps://patreon.com/TheTrawlPodcast Youtubehttps://www.youtube.com/@TheTrawl Twitterhttps://twitter.com/TheTrawlPodcastIf you've even mildly enjoyed The Trawl, you'll love the unfiltered, no-holds-barred extras from Jemma & Marina over on Patreon, including:• Exclusive episodes of The Trawl Goss – where Jemma and Marina spill backstage gossip, dive into their personal lives, and often forget the mic is on• Early access to The Trawl Meets…• Glorious ad-free episodesPlus, there's a bell-free community of over 3,300 legends sparking brilliant chat.And it's your way to support the pod which the ladies pour their hearts, souls (and occasional anxiety) into. All for your listening pleasure and reassurance that through this geopolitical s**tstorm… you're not alone.Come join the fun:Patreon: https://www.patreon.com/TheTrawlPodcast?utm_campaign=creatorshare_creator Hosted on Acast. See acast.com/privacy for more information.

Hear more from Art.coop core organizer Sruti Suryanarayanan on how artists are building their own economies, ways artists are likely participating in the solidarity economy movement without even realizing it, how Art.coop is raising awareness while rejecting stereotypes like the "starving artist" and "sellout," ways artists can incorporate collectivist practices into their own work, and bringing creativity and imagination to the systems and structures around us while building toward a better future.   Aura House – Podcast sponsor, premium home fragrance diffusers that will make your home smell like a spa with scents that are cruelty free, vegan, and safe for pets! Get 10% off on top of their site discounts with our discount code STUDIO10 at www.aurahouse.com (*affiliate link)   Find links to resources mentioned throughout the episode here in our show notes:  beyondthe.studio     Submit to our Listener Spotlight: Listener Spotlight    Follow us on Instagram at: @beyondthestudio 

What does it really take to build a custom home brand that stands out, serves clients at a higher level, and creates a healthier business behind the scenes?In this episode of the Builders of Authority Podcast, Adam McChesney sits down with Mark Williams, a third-generation custom home builder from Minnesota with more than 20 years of experience.Mark is the founder of Mark D. Williams Custom Homes, the host of the Curious Builder Podcast, and one of the five founders of the Contractor Coalition Summit. He shares how authenticity, wellness, financial literacy, and collaboration have shaped the way he builds homes and leads his company.In this conversation, Adam and Mark discuss:• Building an authentic brand without trying to appeal to everyone• Creating the Mysa Hus spec-home concept around Scandinavian design, family, and wellness• Using healthier materials, air purification, and thoughtful building practices to attract health-conscious clients• Investing in masterminds and industry events to overcome burnout and transform a business• Shifting from competition to collaboration within the construction industry• Understanding the difference between markup and margin• Structuring contracts around healthier financial targets• Managing cash flow and strengthening the financial foundation of a building company• Hiring and delegating to buy back time and increase capacity• Taking action before everything feels perfect• Creating stronger client experiences through hospitality and connectionMark also explains how the Contractor Coalition Summit changed his mindset and helped him see the value of investing in himself, surrounding himself with the right people, and learning from other builders.He opens up about the financial lessons he wishes he had learned earlier, including the importance of understanding margin, overhead, profit, and the systems required to build a sustainable company.

273 - Brad Tolinski and Chris Gill (Blow by Blow - the Jeff Beck Story) In episode 273 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with Brad Tolinski and Chris Gill writers of the book “Blow By Blow - the Jeff Beck Story” and both guitarists in their own right. The two share stories that are in the book such as Jimmy Page's role in Jeff's career. The two talk about the collaborations Jeff did late in his career with Rod Stewart and Brian Wilson and early in his career with Elton John and they take is through what became of Jeff's gear. Chris describes meeting Jeff for the first time at his home and having to scale the wall to get in to speak with him and they talk about his love interest in the states on his early tours, Mary Hughes a star of ‘60's B movies. Chris discusses Jeff's car collection and his relationship with hot rod builder Roy Brizio and they also talk about Jeff's hearing loss. Finally Brad and Chris take us through their own personal guitar and amp collections. “Blow By Blow - the Jeff Beck Story” is available wherever you buy books. Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #JeffBeck #BlowByBlow #JimmyPage #EltonJohn #RoyBrizio #BrianWilson #RodStewart #JamesPatrickRegan #theDeadlies #haveguitarwilltravelpodcast #HGWT #tourlife https://www.patreon.com/cw/HaveGuitarWillTravelPodcast . . Please like, comment, and share this podcast! Download Link

Can you believe we didn’t really discover vitamin C until the 1930’s? Well, Nile Foster, knew what to do with it. Dave Young: Welcome to The Empire Builders Podcast, teaching business owners the not so secret techniques that took famous businesses from mom and pop to major brands. Stephen Semple is a marketing consultant, story collector, and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, word from our sponsor, which is, well, it’s us, but we’re highlighting ads we’ve written and produced for our clients. So here’s one of those. [Handyside Ad] Dave Young: Welcome back to The Empire Builders Podcast. Dave Young here alongside Stephen Semple. And Steven has just told me what today’s topic is and made the assumption that it’s probably something from my childhood and sort of… We were more Tang kids than Hi-C. Stephen Semple: Okay. Dave Young: So Hi-C is the topic and I’m probably a little old maybe because it was the little Hawaiian guy, right? Their TV- Stephen Semple: Yeah. Dave Young: … commercials were the little Hawaiian guy with the pow or something like he’d come and I remember what he would do, saki or something, but he was kind of an obnoxious little mascot. But this is a orange drink or a fruit drink for kids that had some vitamin C in it, which made it a health food. Stephen Semple: Basically. Dave Young: Yeah. But I was the Apollo generation, so the fact that the astronauts drank Tang- Stephen Semple: Yeah, that was the- Dave Young: … all I really wanted was some Tang. Stephen Semple: You wanted Tang? Dave Young: Mm-hmm. Stephen Semple: All right. Well, Hi-C is actually kind of a surprising story because it’s actually a story about a company that built a product around a technological constraint and then had to pivot as the technology eliminated that constraint, which is kind of similar to Swiss Miss. Remember when we did Swiss Miss, there was a couple of these technological changes that forced them to pivot. So Hi-C was launched in 1946 and originally as Hi-C orange. And then of course, as they added a bunch of other flavors, things like that, they eliminated the word orange from it. And it was created by Niles Foster in Florida and in 1954, it was acquired by Minute Maid for approximately $40 million. So they did really quite well. And it’s estimated that they were doing $5 million in sales at the time. And then in 1960, Coke buys Minute Maid and Hi-C now finds itself with bigger distribution. So today Hi-C is a Coca-Cola brand. For generations of kids, it was this brightly colored fruit drink that we all grew up with. And frankly, if you ever ate at a McDonald’s, there’s reasonable chance that you had a Hi-C there. But Hi-C started with essentially a problem. And the problem was this, how do you give Americans orange juice when most Americans can’t easily store orange juice? Dave Young: Ah, okay. Stephen Semple: Even though it was launched in 1946, our story actually starts in the 1930s. Here’s the thing that I kind of found interesting is that basically vitamin C had only been identified as a vitamin in the early 1930s. Dave Young: So people are still getting scurvy or? Stephen Semple: Well, people knew that you should be having fruit, but they didn’t identify- Dave Young: Vitamin C. Stephen Semple: … vitamin C specifically. So vitamin C was discovered as a vitamin in the early 1930s. And then in 1941, the National Research Council published the first recommended dietary allowance. So for the first time, Americans were given specific guidance on nutrition, including vitamins. “Here’s how much you should consume.” So nutrition was now something that could be measured and that created interesting marketing opportunity because instead of simply saying, “This is good for you,” we can now say, “This gives you your daily allotment of vitamin C.” Dave Young: Your recommended daily allowance. Yeah, yeah. Stephen Semple: There you go. And this becomes important because along comes Niles Foster who’s working in Florida. Florida has lots of oranges, but there’s a problem. Orange juice is not the breakfast staple we think of today because fresh oranges were seasonal, fresh juice did not travel well, and storing and distributing juice was a huge problem. If you wanted orange juice, what happened in those days, you squeezed it yourself. Dave Young: Okay. So you got to get oranges to people. Yeah. Stephen Semple: Yeah. So he sees this opportunity. Could he create this affordable orange-based drink that tasted good, could sit on a grocery shelf, didn’t need to be frozen, and provided the nutritional benefit as outlined in the guidelines? Dave Young: Gotcha. Okay. Stephen Semple: So essentially what Foster did is he developed an orange drink made from water, sugar, orange juice, concentrate, a bunch of different citrus oils and fortified it with vitamin C. Dave Young: All right. And canned it? Stephen Semple: Well, the other challenge was vitamin C, which is ascorbic acid, is tart. Dave Young: Yeah. It would eat through a can. Stephen Semple: Yeah. So he had to play around a lot with the formulation and also a lot of it was adding certain oils and things like that. So basically you could put it in a can. Dave Young: Gotcha. Okay. Stephen Semple: Yeah. So he created this convenient, inexpensive, shelf-stable orange drink with vitamin C. Dave Young: All right. Then way earlier than I figured. Stephen Semple: Yeah. And what should he call it? He called it Hi-C Dave Young: Because it had high concentration of vitamin C. Stephen Semple: Yeah. Dave Young: Okay. Stephen Semple: And it’s funny because normally having the benefit built directly into the brand name is often not good because if he called it high concentration of vitamin C, Hi-C was kind of, while it’s sort of what it was at the same time, it was such a simplification of the name. I though it was great. Dave Young: Yeah. And it locks in that benefit, so it’s easy to understand, but it also just has a cool feel, like you say it pretty easily. Yeah. Stephen Semple: Yeah. So he knows a product, but he needs to make it. And he’s not a wealthy guy. He couldn’t finance factories and things along that line. So he took a page from Coke and he licensed it. But here’s the problem with taking a canned drink national. America’s big. Shipping heavy cans filled with liquids thousands of miles is expensive. So his expansion model was basically contract packers around the country. Hi-C provided the formulation and the standards, but local and regional processors could produce the product. But the other thing he allowed them to do was produce the product closer, not only closer where the markets could be sold, but he also allowed them to do regional things. So in other words, if you’re a place that had lots of strawberries, you could do a strawberry version of Hi-C. Dave Young: Okay. That’s really interesting because you give up a certain amount of control there. I mean, a lot. Stephen Semple: Yeah. So for example, one of the first ones to do it was a co-packer in Geneva, Ohio, which did, because there’s lots of grapes growing there, did a grape drink one. So Hi-C developed a grape drink. And then there was a Michigan operator who did apples and cherries. So it led to all these Hi-C flavor variations. Dave Young: Well, see, and this is another key point about why I didn’t become a Hi-C fan as a child. Nebraska had corn and beef and nobody wants either of those in a drink. Stephen Semple: Could be. Dave Young: I mean, a warm cup of boullion is all right sometimes. Stephen Semple: Now, here’s what things get interesting. So Foster is building out Hi-C, getting it popular and whatnot, and there’s a technological revolution. Refrigeration ownership explodes. Dave Young: Okay. Yeah. Stephen Semple: So remember, the problem was no refrigeration made, canned juice. But by the 1950s, refrigerators were almost in every household, right? Yeah. So that changed what food companies could sell, and guess what ended up happening? Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories To Sell] Dave Young: Let’s pick up our story where we left off, and trust me, you haven’t missed a thing. Stephen Semple: In 1950s, refrigerators were almost in every household, right? Yeah. So that changed what food companies could sell, and guess what ended up happening? 1946, along comes Minute Maid shipping frozen concentrated- Dave Young: Orange juice. Yeah. Stephen Semple: Yeah. So now family… Right. And then along comes Tropicana. Anthony Rossi starts processing citrus in Florida and he creates this flash pasteurization and you got Tropicana Pure Premium. So now you’ve got all these competitors coming in competing with Hi-C, and essentially the technology was eliminating the need for Hi-C. Dave Young: Yeah. Stephen Semple: This is a pivotable moment. Hi-C could no longer win by simply saying, “We make orange juice convenient.” Dave Young: All right. Stephen Semple: Right? Dave Young: So what was their next pivot? Stephen Semple: Yeah. Dave Young: Because they’re still around. Stephen Semple: Yes. So what Hi-C leaned into is something that competitors weren’t owning. It wasn’t just simply orange juice. It was fun plus flavor, plus convenience, plus vitamin C. The brand advertised aggressively, aggressively the fun factor, and the other combinations of juices that there were. So in 1954, Minute Maid comes along and acquires the company, and then, as I said, then Coca-Cola came along and acquired Minute Maid, so it’s now all part of the Coca-Cola machine, and it continues to expands flavors. It’s got orange pineapple, pineapple grapefruit, Florida Punch, peach, grape, apple cherry, all these sorts of things. So it’s less reliant on orange juice and it’s really a fruit drink brand. Dave Young: So I want to fact check myself on something I said earlier. That little Hawaiian guy, that was Hawaiian Punch, not Hi-C. Stephen Semple: Oh, that was Hawaiian Punch. Okay. Dave Young: Right? Stephen Semple: Right. Dave Young: But yeah, that’s what popped into my head. Stephen Semple: Right, but one example they did really well on the kids’ flavor, characters, all the other stuff is in 1987, Hi-C created Ectocooler as a promotion tie-in with the real Ghostbusters, and it was supposed to be temporary, but it was loved so much that it ran for quite a while as people are drinking this gobbly, gooey, green looking looking stuff. So Niles Foster started Hi-C to solve a practical problem involving orange juice nutrition and shelf stability that then later got technology, took all that away, but kids are still drinking it because along the way, the product was able to pivot and the brand has continued to survive. Dave Young: I don’t want some orange juice. I don’t want a glass of orange juice. I want something fun as a kid. Stephen Semple: But I think the thing is, the first lesson was the innovation, right? But then the second thing was they didn’t confuse the solution with the business. When refrigerators came along, they couldn’t look at themselves as being, “We’re in the shelf stable orange juice business.” Instead, they’re able to go, “We’re in the fruit drink business.” Dave Young: Well, and then they figured out juice boxes, right? They figured out how to put this stuff into individual servings. Stephen Semple: Yes. Dave Young: That had to be big because now you can put it in a lunchbox. Stephen Semple: Yes. But the product survived. They were able to change their thinking away from the original problem they were trying to solve, and they were able to pivot away from that and do other things. I though it was interesting because it paralleled a lot of the Swiss Miss challenges, right? Dave Young: Sure. Yeah. You have to be able to react and adjust and pivot. I mean, pivot is just, “Hey, conditions have changed. What are we going to do to keep the company alive?” Stephen Semple: Technology in this case, technology has come along and removed the problem that we were originally trying to solve. So what do we do now? Dave Young: Yeah. So what about your childhood? Did you drink Hi-C? Did they have it up in the northern reaches of Canada? Stephen Semple: Oh, yes. Yes, we did. So I definitely remember Minute Maid Orange Juice because I remember making the orange juice and you’d wait for the plop. That plop. Dave Young: Took a long time for that giant frozen chunk of juice, and then you had to use a big wooden spoon to crush it and mash it into the water. Hi-C would be a lot more convenient. Stephen Semple: I definitely remember Minute Maid. And then I remember apple juice being kind of the other thing. I don’t think we had Hi-C around much. We were not big on things that had sugar added in my household when I was growing up. Dave Young: I think what my mom was doing was… I remember chewing a lot of vitamin C tablets. Stephen Semple: Right. Dave Young: So I think she was just getting us our vitamin C in a different way and we weren’t on the Hi-C path. Stephen Semple: Right. But it’s funny, I do remember the odd time when we’re talking about Hawaiian Punch. I do remember the odd time Hawaiian Punch making its way into the household. Dave Young: Yeah, this stuff was always just too sweet for me. I like sweet stuff, but the sweet drinks, a little too much sometimes. Stephen Semple: Yeah. So again, and this is an example of… It’s interesting when we think about technology, and there’s always the obvious things that technology is going to impact, but it’s interesting that we’ve now done a couple of food businesses where these food businesses were created because of either technological challenges or technological changes. It’s very easy when we see technology coming to see the things it’s going to eliminate. It was easy if we’re sitting here in the 1930s, economists in the 1930s at the beginning of what we call the second industrial revolution. At that point, something like 33% or 35%, something like that, of people work directly in the agricultural industry. And so it was very easy for economists to go, “The economy’s screwed because these jobs are going to all disappear.” And they were right, they did, because today it’s what? 5% of people work directly in agricultural industry. Dave Young: Yeah, yeah. Stephen Semple: But what’s often hard to see is what are all the new opportunities that happen? I was reading somewhere that if we go from 1920 and we go from 1920 to the year 2000, something like 60% of the jobs that we do didn’t exist. And some of them are ones that are surprisingly… like heating and air conditioning repairman. That job didn’t exist. We don’t think about that as being an opportunity that was created by the industrial revolution, right? Dave Young: Yeah, for sure. Stephen Semple: And this is the reason why some of these predictions can be hard to call, but also the reason why you’ve got to keep your eyes open to the opportunities. Dave Young: All right. Hi-C. Cheers. Stephen Semple: Hi-C. Dave Young: Cheers to you and may Coca-Cola carry the brand forward proudly or whatever. Stephen Semple: There we go. Dave Young: I don’t know. I don’t know if I… They don’t need our help. Stephen Semple: I’m not feeling the enthusiasm. Dave Young: They’re probably not listening to The Empire Builders Podcast to get their advice on how to manage the Hi-C brand, but it’s fun looking at it. Thanks, Stephen. Stephen Semple: Thanks, Dave. Dave Young: Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app and leave us a big fat juicy five star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute empire building session, you can do it at empirebuildingprogram.com.

Builders are struggling to survive, let alone sell homes, in 2026. Prices aren't keeping pace, home sales are falling, and nobody can find the labor to build the houses in the first place. With concessions rising, buyers who stayed in the market are getting great deals. With the potential to boomerang back to regional undersupplied housing markets, the deals may very well be worth it.  It's a new week, with new headlines that affect anyone buying, selling, or building wealth with real estate. First, we'll touch on the 300,000 vacant lots for sale. With the price of dirt down far below where it was just a few years ago, those with development and building ambitions could stand to profit, but with the entire homebuilding industry struggling, how long will you have to wait? Washington is trying to investigate “private listings” from real estate brokerages, but could they actually be hurting the seller by removing the exclusivity agents are going for? Finally, an update on home sales, prices, and why Kathy is seeing a big uptick in investor buyers for a certain type of rental property.  In This Episode We Cover The land sale happening this summer and a sign of just how bad our housing shortage is Builders get squeezed as buyers (and even laborers) refuse to budge The newest threat to “private” home listings that could hurt sales prices The homes that are taking the longest to sell in 2026 and one type of rental property that investors are getting steals on And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets Sign Up for the Investor Brief Newsletter Find an Investor-Friendly Agent in Your Area Major Homebuilders Have Not Sold Homes This Cheap in Nearly a Decade—Here's How Investors Can Take Advantage Henry's BiggerPockets Profile James' BiggerPockets Profile Kathy's BiggerPockets Profile PR Newswire: More than 300,000 empty lots for sale could close America's housing shortage by 6% NBC 24: Construction job openings rise as overall job openings soften slightly HousingWire: The off-MLS debate moves to Washington, and agents need a clear script Newsweek: America's New Home Sales Plummet to Weakest Rate in Years Grab Henry's Book, Real Estate Deal Maker Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and https://www.biggerpockets.com/blog/on-the-market-454. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

As AI continues to reshape how organizations work, companies are increasingly asking what AI proficiency should look like across their workforce, and how they can help employees adapt without simply mandating AI adoption. Our returning guest Mike Lewis, Chief AI Architect at TiER1 Performance, joins Dan and Chris to explore AI proficiency through the L0–L3 framework, with a particular focus on the role of non-technical builders. They discuss AI resistance, identifying the right people to build AI-powered solutions, turning tacit knowledge into durable processes, and finding measurable business value from AI.Mike Lewis was previously on Practical AI episode 289: https://practicalai.show/289Featuring:Mike Lewis – LinkedInChris Benson – Website, LinkedIn, Bluesky, GitHub, XDaniel Whitenack – Website, GitHub, XLinks:TiER1 PerformanceYour New Job Is to Onboard AI Agents: How AI Native Companies Actually OperateSponsors:Midwest AI Summit: Join AI practitioners on October 15 in Indianapolis for practical sessions, hands-on discussions, and real-world AI solutions. Use code PracticalAI20 to save 20% on your registration. https://midwestaisummit.com/#ticketsPrediction Guard: A self-hosted AI control plane for running agents in high impact environments. predictionguard.com/practicalaiResources and Events:Register for upcoming webinars here!Prior Webinars from our partner Prediction GuardMidwest AI Summit 2026

00:00 Why the Stock Market Is Entirely a Bubble and Will Collapse 03:15 Destiny of My Original Car 03:57 Builders Keep Trying to Scam Me! 09:14 CS Market Crash and Its Effects in the Economy 11:26 The Rockstar Movie Is Crazy 13:41 7NEWS Interviewed Me About GTA VI 16:04 Video Games Causing Violence Is an Outdated Statement 18:55 Am I in Good Terms with MoistCr1TiKaL? 21:03 My Thoughts on the Death Penalty

This is a catch-up version of James O'Brien's live, daily show on LBC Radio. To join the conversation call: 0345 60 60 973

Plenty To Build, But Not Enough Builders Construction has a hiring problem and part of it may be self-inflicted. The industry needs tens of thousands of new workers while continuing to overlook people who were never welcomed or shown a clear way in. Guests:  Paul Robinson, founder and CEO, Construct Reach Jocelyn Lipscomb, carpenter; member, Carpenters Local Union 301 Host: Gary Price Producer: Amirah Zaveri Linktr.ee | Apple Podcasts | YouTube | SpotifyFacebook: @ViewpointsOnlineX: @viewpointsradioInstagram: @viewpointsradioFull ArchiveContact UsAffiliates & National Syndication Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The full version of this episode (59 minutes & Ad-free) is available for Silk+ Members (FREE for a limited time!) and includes access to over 600 more episodes from these podcasts: Calm History (130+ episodes) History Showcase (25+ episodes) Sleep Whispers (430+ episodes) ASMR Sleep Station (50+ episodes) 1 & 8-Hour Nature Sounds (50+ episodes) 1 & 8-Hour Background Sounds (30 episodes) … Continue reading *Sample* | Wright Brothers: From Bicycle Builders to Airplane Engineers | Bedtime Sleep Stories about History (Bonus Episode #101)

By John Kosmalski - Desires, beliefs, friends, and worries can bust faith, but devotionals, prayer, and congregating build it.

00:45 -  Plenty To Build, But Not Enough Builders Construction has a hiring problem and part of it may be self-inflicted. The industry needs tens of thousands of new workers while continuing to overlook people who were never welcomed or shown a clear way in. Guests:  Paul Robinson, founder and CEO, ConstructReach Jocelyn Lipscomb, carpenter; member, Carpenters Local Union 301 07:41.700 - America At 250: The Long Road From Kenya To The American Dream -  Dr. Pius Kamau's path from colonial Kenya to an American operating room was shaped by ambition, exclusion and survival. His story offers a deeply personal view of America's promise—and its contradictions. Guest: Dr. Pius Kamau, thoracic and general surgeon, author, Running with Lions   15:33.400 - Viewpoints Explained: Are You Still Online Shopping On Temu? Have you shopped on Temu? The Chinese-owned retailer is known for rock-bottom prices, but how does it manage to keep them so low? 17:31.200 - Culture Crash: Taylor Jenkins Reid Changes The Scenery From 1970s rock bands to old Hollywood and NASA, Taylor Jenkins Reid - the author of the popular book The Seven Husbands of Evelyn Hugo - keeps changing settings while writing easy-to-understand, thoughtful stories that hook readers from the get-go. Linktr.ee | Apple Podcasts | YouTube | SpotifyFacebook: @ViewpointsOnlineX: @viewpointsradioInstagram: @viewpointsradioFull ArchiveContact UsAffiliates & National Syndication Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Every Friday around 8:15​-8:20 a.m. on KFAN 100.3 the Power Trip Morning show plays the Initials Game presented by Builders and Remodelers!The game involves 12 items people, place, things, phrases or anything as long as they share the same initials. All 12 items share the same initials. The contestants do not know the initials until they are revealed shortly before the game starts. Each item has 6 clues. As soon as the contestants know who or what the host is describing, they yell out their name. Their name is their buzzer. If the contestant gets it right, they get a point. If they get it wrong they are out for just that item. The item does have to be pronounced correctly. It is best out of 12 with tiebreakers if needed. Tiebreaker items have 3 clues.#InitialsGame #ThePowerTrip #KFAN1003FOLLOW The Power Trip on Social Media:► Like the show on Facebook: http://www.facebook.com/PowerTripKFAN​​► Follow the show on Instagram: http://www.instagram.com/PowerTripKFAN​​► Follow the show on Twitter: http://www.twitter.com/PowerTripKFAN​​► Follow Cory Cove on Twitter: http://www.twitter.com/CoryCove​​► Follow Chris Hawkey on Twitter: http://www.twitter.com/Chris_Hawkey​​► Follow Meatsauce on Twitter: http://www.twitter.com/Meatsauce1​► Follow Mark Parrish on Twitter: http://www.twitter.com/MarkDParrish► Follow Marney Gellner on Twitter: http://www.twitter.com/MarneyGellner► Follow Zach Halverson on Twitter: http://www.twitter.com/ZachHalverson See omnystudio.com/listener for privacy information.

Blindfolded man assembles Mr. Potato Head in 7.92 seconds. Good luck getting laid, sir.Polk County Sheriff's deputies arrested a suspect identified after he allegedly tried to evade police by hiding under a blanket.Thousands of pounds of Squid spill on Rhode Island intersection. Closing it for 8 hours.Builders find $10 million in gold during brewery renovation. DeHuff admits to something horrific.Waymo is almost ready to launch for Denver public use of self-driving cars. Will you use them?Did DeHuff do the right thing by correcting teenagers that were disrespecting public property?

What separates high performers who thrive under pressure from those who become overwhelmed by it?In this episode of the Builders of Authority Podcast, Adam McChesney sits down with Dr. Erin Shannon, a doctor of clinical psychology who has spent more than 15 years working with elite athletes, Olympians, CEOs, veterans, and other high performers.Growing up in a family of professional athletes gave Dr. Shannon a natural understanding of the pressure that comes with performing at the highest level. She shares how an unexpected opportunity to help a professional baseball pitcher in 2011 led her into the world of sports psychology and performance coaching.In this conversation, Adam and Dr. Shannon discuss:• The mental and emotional pressure behind high performance• Why every game is ultimately a mental game• The difference between making decisions from fear or fire• How fear limits creativity, confidence, and vision• Turning pressure into energy, focus, and a flow state• Why entrepreneurs and athletes face similar psychological challenges• Breaking the stigma around therapy and performance coaching• Using mental health support proactively instead of waiting for a crisis• Simple nervous system regulation techniques, including EFT tapping• The benefits of vagus nerve regulation and morning sunlight• Dr. Shannon's work with athletes, CEOs, veterans, and prison rehabilitation programsDr. Shannon also explains why mental health professionals should be viewed like family doctors: trusted resources for regular check-ins, personal development, and long-term performance rather than people you only contact when something is wrong.This episode offers practical insights for entrepreneurs, athletes, and leaders who want to manage pressure, strengthen their mindset, and perform at a higher level without sacrificing their mental and emotional well-being.

Here's a test for you: write down every single thing on your plate today and tomorrow. Now circle only the ones that would fall apart if someone other than you did them.Most people circle almost nothing. And that's the problem.In this episode, Jesse breaks down "strategically selfish"; a framework for builders and leaders who can't delegate, can't say no, and are quietly running on tasks that were never actually theirs to carry. He walks through the exercise in real time, then shows you what to do with everything left uncircled: reduce it through optimizing or automating, delegate it, or extinguish it outright, and why time deserves more vigilance than money ever will.The twist: he says you don't build this skill in the high-stakes moments. You build it at home, in the small stuff, asking for help before you need to; so when it counts in your business or on the jobsite, saying "not me" is second nature instead of a crisis decision.If you've ever ended a workday exhausted but couldn't name what you actually accomplished, this one's for you. 00:00 Focus on What Matters01:25 Framework Overview02:30 Step One Write It Down04:33 Step Two Circle Only You07:11 Why Delegation Feels Hard11:37 Step Three Reduce Tasks19:34 Extinguish Nonessential Work21:09 Outsource and Guard Time24:15 Ask for Help and Communicate29:09 Final Recap and HomeworkLets leave the Construction Industry Better than We Found It https://www.depthbuilder.com/construction-leadership-lab Download the free PDF copy of Becoming the Promise You are Intended to Be 

Metro Atlanta is growing quickly, adding more jobs and new development, but delivering housing in step with that growth is increasingly complex. Builders and developers must balance limited land availability, infrastructure constraints, rising costs and evolving buyer expectations while creating communities that work for both residents and local governments.  Myles Cardenas, senior land planning and development manager with Taylor Morrison, joins Host Carol Morgan on Atlanta Real Estate Forum Radio to break down the forces shaping residential development across Metro Atlanta and what's ahead for the region's next phase of growth.  Growth Is Outpacing Infrastructure in Many Areas  As Metro Atlanta's population grows, local governments are working to align housing demand with existing infrastructure capacity. Roads, water and sewer networks, utility expansion timelines and stormwater systems all play a role in whether new development can move forward. In some cases, municipalities are slowing approvals or tightening development standards while they assess how much additional growth these systems can support.  “I don't think it's a shortage. I think it's more so of a slowdown,” Cardenas said.  That distinction is important. Land may be available, but development cannot proceed without the infrastructure and approvals needed to support it.  Housing is not the only demand on these systems. Large-scale commercial projects, including data centers and industrial development, also require significant infrastructure capacity, making long-term planning even more critical.  Infill and Redevelopment Are Key Housing Drivers  As large parcels become harder to find in established areas, older office buildings, outdated retail centers and underperforming commercial sites are increasingly being evaluated for residential or mixed-use redevelopment. These locations often have existing infrastructure and established communities nearby, creating opportunities to add housing in areas that already have jobs, services and amenities.  While these projects can help bring housing closer to established activity centers, they also require more creative planning. Developers must work within existing structures, infrastructure and site constraints rather than starting with a blank slate.  Stormwater Requirements Are Reshaping Site Design  One of the most influential and often underestimated factors in land development is stormwater management. Regulations and infrastructure requirements can significantly affect site layout, density and overall project costs.  Every added cost in land development ultimately affects home affordability. That reality is pushing developers to look for efficiencies earlier in the process by optimizing land use, refining site design and reducing unnecessary expenses wherever possible.  Finding those efficiencies can help developers make better use of available land while keeping the cost of new housing in focus.  No Single Housing Model Fits Every Market  Housing demand across Metro Atlanta is not uniform, and development strategies reflect that reality. Depending on location and market conditions, communities may include smaller lots, higher-density townhomes, larger homesites or mixed-use components.  Local regulations, infrastructure availability, land costs and buyer preferences all influence what gets built and where.  “I think everybody's really taking a look at what they do and understanding what they do best and trying to strategize land position from there,” Cardenas said.  That strategic approach is becoming increasingly important as builders determine where their products and expertise align with local demand.  Atlanta's Residential Growth is Moving in Multiple Directions  Metro Atlanta's next wave of residential growth is not concentrated in a single corridor. It is emerging in multiple directions as employment centers, infrastructure investment and land availability.  Southern communities such as South Fulton, Union City, Peachtree City and Newnan continue to attract attention as new jobs and master-planned communities take shape. At the same time, northern areas are seeing increased interest driven by data centers and other employment hubs.  Across both regions, the pattern remains consistent: Housing follows opportunity. Where jobs, infrastructure and amenities expand, residential development tends to follow, although the pace of that growth still depends heavily on infrastructure readiness.  Infrastructure Will Shape Atlanta's Future Growth  While land availability is important, infrastructure ultimately determines whether development can move forward at scale. Water, sewer, transportation networks and utilities all influence what is possible in a given area.  This makes coordination between developers and municipalities essential. Cities must plan infrastructure investment alongside expected growth, while developers must evaluate existing capacity before committing to projects.  The result is a more varied growth pattern across the region. Some areas may have available land but limited infrastructure, while others have infrastructure in place but fewer large development sites. Together, those conditions are creating opportunities for both greenfield and infill development.  Workforce Capacity Is a Core Industry Challenge  Beyond land and infrastructure, the construction industry faces another major constraint: workforce availability. Skilled professionals are needed across every stage of development, from planning and design to construction and long-term community management.  Cardenas recently earned his Georgia general contractor license through the Licensed Contractor Cohort, a program focused on expanding access to construction careers and licensing pathways.  “There just aren't enough young people that are getting into the industry fast enough to essentially take over the demand that's coming through the housing and construction industry,” Cardenas said.  The industry also extends far beyond field construction. Roles in architecture, engineering, design, marketing, insurance and technology all contribute to delivering housing at scale. Expanding awareness of these career paths will be critical to meeting future demand.  As Metro Atlanta continues to grow, the ability to develop land efficiently will be just one piece of the puzzle. Infrastructure, housing affordability and a strong construction workforce will all play a role in determining how the region grows.  To learn more about Atlanta residential growth and the trends shaping future communities, listen to the full episode of Atlanta Real Estate Forum Radio. For more information about Taylor Morrison, visit https://www.taylormorrison.com/.  About Taylor Morrison  Taylor Morrison is one of the nation's leading home builders, with a history spanning more than 100 years. The company serves a broad range of homebuyers and renters across 12 states, offering homes and communities designed for different stages of life and lifestyles. Its family of brands includes Taylor Morrison, Esplanade and Yardly. The company focuses on delivering quality homes and sustainable communities while providing a customer experience built around service, innovation and trust.  Podcast Thanks       Thank you to Denim Marketing for sponsoring Atlanta Real Estate Forum Radio. Known as a trendsetter, Denim Marketing has been blogging since 2006 and podcasting since 2011. Contact them when you need quality, original content for social media, public relations, blogging, email marketing and promotions. A comfortable fit for companies of all shapes and sizes, Denim Marketing understands marketing strategies are not one-size-fits-all. The agency works with your company to create a perfectly tailored marketing strategy that will suit your needs and niche. Try Denim Marketing on for size by calling 770-383-3360 or by visiting www.DenimMarketing.com.        About Atlanta Real Estate Forum Radio       Atlanta Real Estate Forum Radio, presented by Denim Marketing, highlights the movers and shakers in the Atlanta real estate industry – the home builders, developers, Realtors and suppliers working to provide the American dream for Atlantans. For more information on how you can be featured as a guest, contact Denim Marketing at 770-383-3360 or fill out the Atlanta Real Estate Forum contact form. Subscribe to the Atlanta Real Estate Forum Radio podcast on iTunes, and if you like this week's show, be sure to rate it. Atlanta Real Estate Forum Radio was recently honored on FeedSpot's Top 100 Atlanta Podcasts, ranking 11th overall and number one out of all ranked real estate podcasts. The post Taylor Morrison: Rethinking Land as Atlanta Grows appeared first on Atlanta Real Estate Forum.

In the final installment of my follow up series with nuclear companies, I spoke with Jonathan Webb, the co-founder and CEO of The Nuclear Company. For those who don't know, TNC is pursuing a fleet-scale build of big reactors (and perhaps small ones too!) with cutting edge tech to turn blue collar workers into the Iron Men of megaprojects. Jonathan broke down his vision for nuclear, why workers are the key to everything, what's going on with TNC's VC Summer build, and so much more. His big-hearted passion for nuclear really struck a chord with me. Check out last year's episode with TNC's Chief Nuclear Officer, Joe Klecha, here. And, if you're in DC, check out TNC's operating system demo at Deep Tech Week on September 8th! Visit TNC's website to learn more.

When Norman Kraft took over the company he wanted to leave his mark. I think he succeeded. What do you think? Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not so secret techniques that took famous businesses from mom and pop to major brands. Stephen Semple is a marketing consultant, story collector and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is… Well, it’s us, but we’re highlighting ads we’ve written and produced for our clients. So, here’s one of those. [Wagmore Garage Door Ad] Dave Young: Welcome back to the Empire Builders Podcast. Dave Young here. Stephen Semple is sitting here and just told me that we’re… You keep… Man, do you know how to dial into my childhood, Stephen? Stephen Semple: It’s all about you, Dave. Dave Young: It is. Stephen Semple: It’s all about you. Dave Young: I don’t want to make it about me, but it always is. It’s the Swiss Miss and the… So, he’s like, “It’s not the company, but it’s the product inside the company.” We’re going to talk about Kraft Singles. Stephen Semple: Yes. Dave Young: I’m assuming we’re talking about cheese… Stephen Semple: Yes. Dave Young: … or the American cheese product, whatever that means. Stephen Semple: Yeah. Dave Young: But my God, did I eat a lot of cheese as a kid? I don’t know why. My mom would just let me, my sister sit in front of the TV and grab a stack of Kraft Singles and watch Gilligan’s Island and all the things that were on TV right after school. So, we had a dachshund who knew what a Kraft Single being opened sounded like. Stephen Semple: Oh, that does not surprise me. Dave Young: Right. Is like, “Oh, someone is opening some cheese.” Stephen Semple: You have my attention now. Dave Young: I might get myself a little bite. So, today we’re going to learn about the Kraft Singles story. Stephen Semple: Yeah, and I know it’s a bit unusual because Kraft is a massive company and was a massive company even at the time that this was created, but they were going through a bit of a problem. And I just thought there was some innovative ideas inside the development of Kraft Singles. And look, they sell billions of slices every year. It’s like, look how recognizable it was. Kraft Singles. “Oh, you’re talking about the cheese thing that’s wrapped in the plastic and…” Talk about recognized. Whether you eat the product, like the product, don’t like the product, we all know what it is. The moment I say it, everyone would know what it is. It was very much driven by a change that was happening in the world and a bunch of things that Kraft had recognized because the Second World War has ended and basically what ends up happening was the baby boom. And instead of roughly two million births a year, suddenly the country is having three and a half million births a year, 60% increase. That changes everything. Schools overcrowded, new classrooms being built, neighborhoods appear overnight, but there’s also the whole thing of feeding the kids. School lunch programs were still developing. Kids brought lunch from home, and these lunches were uninspiring. They were yesterday’s pork chops. They were deviled eggs. They were bologna sandwiches. It’s just they were boring, and convenience hadn’t yet caught up to the sandwiches that kids were taking to school. So, it’s the late 1940s. Kraft wasn’t a small food company. It was the largest cheese company in the world. It was primarily cheese at that point, and it was selling roughly a million pounds of cheese a day, generating tens of millions of dollars. So, they were big. And James Kraft had built the company around processed cheese, the product that kind of spoilage and consistency. That’s what the business was built on. But after James retired, the leadership passed to his brother, Norman Kraft. And Norman wanted to make his mark on the business, and he noticed something. What he noticed was… This is the thing I found interesting. He looked at it and he went, “Wait a minute. Pre-sliced bread has changed the bread industry.” Wonder Bread, pre-sliced bread. Dave Young: Yeah, yeah, yeah. So, wait. When Norman took over, they weren’t even slicing cheese. They were just- Stephen Semple: No. Dave Young: … selling cheese. Stephen Semple: Correct. Dave Young: Okay. So, this is way before they were wrapping them individually. Stephen Semple: Correct. Correct. Dave Young: Okay. Stephen Semple: They were just basically selling cheese. And he looked at it and he said, “Well, there’s pre-sliced bread, and people seem to really like that. What if we could do cheese as easy?” Dave Young: And you know how hard it is to slice a single piece of cheese the size of a Kraft Single? Stephen Semple: It’s really hard. Dave Young: That’s no easy task. Yeah. Stephen Semple: Right, because the- Dave Young: You need a wire or something. Right? Yeah. Stephen Semple: Well, and it crumbles, and it falls apart, and it dries out. So, the engineering challenge of slicing wasn’t actually easy, wasn’t actually easy. And what they discovered was it’s about when to slice. Dave Young: Ah, okay. Stephen Semple: So, what they did was… What the Kraft research team discovered was this elegant solution. Instead of waiting for the cheese to cool completely, they would spread the molten processed cheese across a massive chilled stainless surface and the cheese cooled in the perfectly even slices. Dave Young: Oh, wow. Okay. Stephen Semple: Those slices were then flattened and cut into perfectly uniform three-inch squares. Dave Young: Okay. Stephen Semple: So, they made it the size to fit into a standard slice of bread. So, he looked at what’s a standard slice of bread. Cheese should fit into that. Brilliant, brilliant. The product launched not as Kraft Singles. There’s another interesting thing. It launched as Kraft Deluxe. Dave Young: Kraft Deluxe? Stephen Semple: It was eight perfectly sliced pieces in a block, first product of its kind. And guess how well it did? Dave Young: I don’t know. Stephen Semple: Failed. Dave Young: Well, because I remember before we had Singles, we’re buying that. We’re buying a block of Kraft cheese that you just had to peel them off. Stephen Semple: Yeah, but the thing is nobody noticed, and here was the problem. Dave Young: Nobody noticed it was sliced. Is that what you saying, [inaudible 00:06:55]? Stephen Semple: Right, the packaging held the innovation. The name held the innovation. Kraft Deluxe, what’s that mean? Dave Young: Yeah. Stephen Semple: So, what consumers saw was a block of cheese. They couldn’t tell it was already sliced because they didn’t even know to look for it being already sliced. The biggest advantage was invisible. Sales suffered. Between 1949 and 1950, the Kraft cheese business declined by almost $8 million. Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories To Sell] Dave Young: Let’s pick up our story where we left off. And trust me, you haven’t missed a thing. Stephen Semple: Between 1949 and 1950, the Kraft cheese business declined by almost $8 million. Dave Young: Okay. Just they were having trouble letting people know that this cheese is already sliced and easy to grab one and put it on a piece of bread. Stephen Semple: By 1962, more than a decade later, sliced cheese blocks still had not caught on. Dave Young: All right. Stephen Semple: And the product wasn’t failing because people disliked it. The product was failing because people didn’t understand it. Dave Young: What’s Norman going to do here? Stephen Semple: Well, he realized something- Dave Young: I’m rooting for him. Stephen Semple: Yeah. Well, what he realized was something profound. People don’t buy invisible innovation. That’s the problem. People couldn’t immediately see the convenience, so therefore, the convenience didn’t exist. His answer was simple, what he decided to do. Now, here’s what he decided to do according to the documentation, but I actually think there’s a secondary reason why it suddenly became successful. He decided to wrap every slice individually. Now, each slice announced its own benefit. Right? Dave Young: Sure. Yeah. Stephen Semple: That’s what he decided to do. No explanation required. However, when they did that, they also changed the name from Kraft Deluxe to Kraft Singles. Now, I believe, I believe, yes, the wrapping in the plastic was cool, but I believe the thing that made it successful was actually the name change. I think if they had just changed the Kraft Singles, I think they would’ve had success because now the block of cheese, you’re like, “Oh, it’s sliced in the single pieces.” Dave Young: Yeah, I don’t even have to worry about peeling one slice off of the rest, because sometimes that works and sometimes it doesn’t work. Yeah. Stephen Semple: So, they created the world’s first individually wrapped cheese slices, and that changed everything. Grab one slice, no knife, no mass, perfect proportions, perfect sandwiches. I believe it’s also the name change that contributed to it. Changing it from Kraft Deluxe to Kraft Singles is what made it work. And now, all of a sudden, instead of, you know, just peanut butter and jelly, you can now have ham and cheese, turkey and cheese- Dave Young: Yeah, yeah. Stephen Semple: … bologna and cheese, grilled cheese. Cheese suddenly became a standard sandwich ingredient because it was now as convenient. Dave Young: Bolognan and cheese with a couple of slices of extra cheese just tossed into the lunchbox. Stephen Semple: Yeah, because all of a sudden it was now as convenient as the bread. Dave Young: You could do it. Stephen Semple: Right. Dave Young: Yeah. Stephen Semple: You could do it, and you could drive the dog nuts by peeling it off. So, by 1970, it’s just massive. And now, sadly, Norman Kraft did not see all of the success because he died less than two years after Kraft Singles launched. Dave Young: Oh, wow. Stephen Semple: He saw it takeoff, but he didn’t see it become the iconic thing it is today, so that’s too bad. But here’s the lesson, because this story to me is partially about cheese because, to me, there’s two things. There’s the one, the noticing sliced bread and going, “Well, why don’t we do sliced cheese?” That’s cool, but I think the biggest thing is you have to make your innovation visible. Dave Young: Yeah, I think that’s a great insight. Stephen Semple: Right? They had already invented a better product, but the problem was a communication problem. Consumers couldn’t see the innovation. It wasn’t easy. It was a marketing problem, and suddenly the packaging became the advertisement, Kraft Singles. And instantly the benefit is I don’t have to educate the consumer. Single slice of cheese, oh, crap, that’ll make making the sandwiches easier. Dave Young: Yeah. And once that becomes visible, as you say- Stephen Semple: Yes. Dave Young: … then you understand what you’re buying. Stephen Semple: Right. Dave Young: And everybody does it now. Right? Stephen Semple: Yes. Dave Young: You can buy a brick of Cheddar Jack cheese or you can buy individual slices, and the packaging looks different. Stephen Semple: Well, and even now- Dave Young: It doesn’t matter if it’s Kraft. Stephen Semple: … the individual slices- Dave Young: Right? Yeah. Stephen Semple: … they put that little piece of- Dave Young: It’s a little piece of paper. Stephen Semple: … paper in between. Yeah. And here’s the other thing is that they realize, “We didn’t have to explain to people, ‘Oh, you could now do a ham and cheese sandwich.'” People would figure that out on… The moment it’s convenient, people will figure out all the ways to add cheese to the sandwich. Dave Young: Yeah. Do you remember eating cheese? These were not single wrap, but Kraft sold a little brick of cheese that was sliced, and the wrapper was like a wax-coated plastic that you could sort of reseal. Right? Stephen Semple: Oh, right. Yeah. Dave Young: But if you were relying on an eight-year-old kid like me to reseal the cheese so that it didn’t get exposed to air in the fridge, it was a losing proposition. You’re going to open it tomorrow, and there’s going to be one edge of it that’s all dried and yuck that you’re going to have to probably carve off of there if you want to eat any of it. So, the Singles wrapping them individually solved that problem, too. Stephen Semple: See, my- Dave Young: It made the cheese Dave proof. Stephen Semple: We did not have processed cheese in our house because my parents were very cheese picky. So, the processed- Dave Young: Oh, really? I did not have processed cheese until I actually was on my own in university having to fend for myself. When all of a sudden stars lit up the sky, and you tasted the wonderful magnificence that is a Kraft Single. I want to grab a brick of it right now and go sit down and try to find some old reruns of some black and white show. Yeah. Stephen Semple: So, my challenge to people is, moment you have an innovation, make it easy for people to see it and experience it. That’s the goal. If the innovation is hidden or requires all sorts of education around it, the innovation is just not going to take off. No matter how great the innovation is, the innovation has to be easy to see the innovation, or if it’s something that’s intangible, the impact of the innovation because, otherwise, the innovation will just never catch on, never catch on. Dave Young: Yeah, I think it’s a good observation. So, where are you going to take me next in my childhood? That’s what I want to know. How do you find- Stephen Semple: I’m not sure. Dave Young: … about all these things about me? Stephen Semple: Well, we have our spies. Dave Young: Been doing some deep research. Yeah. Stephen Semple: I just asked the Dave AI. Dave Young: Yeah. How come nobody has named an AI Dave? Stephen Semple: Are they all just… Isn’t it just implied, Dave? Isn’t it just- Dave Young: I’m going to tell Claude that I’m renaming it. From now on, you’re Dave. All right. Anything else about cheese? Are we done? Stephen Semple: That’s it for right now. That’s it. Yep. Dave Young: Okay. Thanks for bringing us the sliced cheese story to the Empire Builders podcast. Stephen Semple: Thanks, David. Dave Young: Talk to you later, Steve. Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app, and leave us a big fat, juicy five star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute empire building session, you can do it at empirebuildingprogram.com.

Industrial Talk is onsite at SMRP 2026 and talking to Joe Anderson, Partner/COO with ReliabilityX about "Industrial knowledge acquisition and practical application". The conversation emphasizes the importance of cybersecurity, marketing, and leadership in various industries. Speaker 1 promotes the Barcelona Cybersecurity Congress from November 3-5, 2023, and the SMRP conference in Fort Worth, Texas. Joe Anderson discusses the critical need for skilled professionals in manufacturing, highlighting the gap between knowledge acquisition and practical application. He advocates for a shift from a focus on metrics to one on leadership and culture, aiming to build an army of problem solvers. Anderson's company, ReliabilityX, aims to improve organizational reliability and culture through practical, quick-win solutions. Outline Barcelona Cybersecurity Congress Announcement Scott introduces the Barcelona Cybersecurity Congress, emphasizing its importance for cybersecurity professionals.The event is scheduled for November 3-5 in Barcelona, with networking opportunities and expert discussions.Scott plans to attend and broadcast the event, encouraging listeners to mark their calendars.The event is organized by FIRA, and Scott assures listeners they will not be disappointed. Scott Mackenzie's Career Insights Scott shares his experience of taking responsibility for marketing and sales efforts in his other businesses.He admits to being lazy in engaging on social platforms and generating necessary content.Emphasizes the importance of pushing out meaningful content to tell one's story effectively.Encourages listeners to go to Industrial Talk for help in improving their content strategy and storytelling. Introduction to Industrial Talk Podcast Speaker 1 thanks listeners for joining and mentions this is the 17th conversation at SMRP.Announces the interview with Joe Anderson, a renowned professional at SMRP in Fort Worth, Texas.Encourages listeners to put SMRP on their calendar and highlights the opportunity to meet professionals like Joe. Joe Anderson's Passion for Helping Companies Succeed Scott praises Joe Anderson's passion for helping companies succeed and his desire to make an impact.Joe shares his goal of having some sort of impact on the many manufacturers out there.Discusses the urgency of establishing a different culture and the challenges of trade shortages.Scott and Joe express concerns about the industry's readiness and the need for a renaissance. Challenges in the Industry and the Importance of Leadership Joe compares the current situation to a meme where a dog claims to be fine despite a fire around it.Emphasizes the importance of practitioners in keeping the world running and the neglect of their role.Discusses the bureaucracy and the shrinking skills, highlighting the need for leaders to focus on the right things.Scott and Joe talk about the flow of capital and the lack of preparedness among technical colleges. Builders vs. Destroyers and the Importance of Action Joe explains the concept of builders and destroyers, emphasizing the need for people who take action.Discusses the Pareto principle and how a small percentage of people do the majority of the work.Highlights the importance of focusing on reliability as a behavior rather than just an outcome.Scott and Joe discuss the challenges of changing culture and the need for consistent action. The Role of Metrics and Best Practices Joe explains the misconception that metrics are best practices and the importance of focusing on the right behaviors.Discusses the impact of teaching people to focus on outcomes rather than inputs.Highlights the role of consulting companies and the need for trust in their business models.Scott and Joe discuss the importance of leadership and the need to focus on developing people. Developing an Army of Problem Solvers Joe shares his vision of building an army of 10,000 problem solvers to address the issues in the country.Discusses the importance of developing people at all levels of the organization.Emphasizes the need for continuous development and support to ensure long-term success.Scott and Joe talk about the challenges of maintaining momentum and the importance of quick wins. The Impact of ReliabilityX on Organizations Joe explains the disruptive approach of ReliabilityX and the need for organizations to be open to change.Discusses the challenges of engaging the entire organization and the importance of having a champion.Highlights the success of ReliabilityX in raising EBITDA and the importance of quick wins.Scott and Joe discuss the ongoing nature of change and the need for continuous support. Final Thoughts and Contact Information Joe emphasizes the importance of developing robust systems to ensure long-term success.Discusses the challenges of maintaining momentum and the importance of continuous development.Scott and Joe talk about the importance of building relationships and supporting people.Joe provides his contact information and encourages listeners to reach out for more information. If interested in being on the Industrial Talk show, simply contact us and let's have a quick conversation. Finally, get your exclusive free access to the Industrial Academy and a series on “Why You Need To Podcast” for Greater Success in 2025. All links designed for keeping you current in this rapidly changing Industrial Market. Learn! Grow! Enjoy! JOE ANDERSON'S CONTACT INFORMATION: Personal LinkedIn: https://www.linkedin.com/in/joeanderson-entrepreneur/ Company LinkedIn:  https://www.linkedin.com/company/reliabilityx/posts/?feedView=all Company Website:  https://reliabilityx.com/ PODCAST VIDEO: https://youtu.be/T1KxsIxRA84 THE STRATEGIC REASON "WHY YOU NEED TO PODCAST": OTHER GREAT INDUSTRIAL RESOURCES: NEOM: https://www.neom.com/en-us Hexagon: https://hexagon.com/ Arduino: https://www.arduino.cc/ Fictiv: https://www.fictiv.com/ Hitachi Vantara: https://www.hitachivantara.com/en-us/home.html Industrial Marketing Solutions:  https://industrialtalk.com/industrial-marketing/ Industrial Academy: https://industrialtalk.com/industrial-academy/ Industrial Dojo: https://industrialtalk.com/industrial_dojo/ We the 15: https://www.wethe15.org/ YOUR INDUSTRIAL DIGITAL TOOLBOX: LifterLMS: Get One Month Free for $1 – https://lifterlms.com/ Active Campaign: Active Campaign Link Social Jukebox: https://www.socialjukebox.com/ Business Beatitude the Book Do you desire a more joy-filled, deeply-enduring sense of accomplishment and success? Live your business the way you want to live with the BUSINESS BEATITUDES...The Bridge connecting sacrifice to success. YOU NEED THE BUSINESS BEATITUDES! TAP INTO YOUR INDUSTRIAL SOUL, RESERVE YOUR COPY NOW! BE BOLD. BE BRAVE. DARE GREATLY AND CHANGE THE WORLD. GET THE BUSINESS BEATITUDES! Reserve My Copy and My 25% Discount

Mortgage rates are moving today as the 30 year Treasury hits a 19 year high, oil prices climb, and new jobs and housing data shift the Federal Reserve's next move on interest rates.In this episode of The Rate Update, Dan Frio breaks down:Why the 30 year Treasury yield just hit a 19 year high and why that number is not your mortgage rateThe real bond that drives mortgage pricing and how to read itWhy oil prices are the single biggest driver of inflation and mortgage rates right nowHow tariffs, government spending, and a Supreme Court ruling are adding pressure to ratesToday's jobs report, building permits, housing starts, and import and export pricesWhat the Federal Reserve is watching ahead of its next meetingWhat Dan is telling his own clients to do right now if they are buying, building, or already own a homeReady to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/registerWant to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactRead the full breakdown on the blog: https://therateupdate.com/blogCHAPTERS0:00 30 Year Treasury Hits a 19 Year High1:35 Why Rates Are High: Oil, Tariffs & Government Spending3:20 How Oil Drives Inflation & the Fed's Next Move5:10 Today's Data: Jobs, Housing Starts & Import Prices7:20 What Buyers, Builders & Homeowners Should Do NowTOP RESOURCESTrack Mortgage Rates Automaticallyhttps://rw2.therateupdate.com/TRU Mortgage Command Centerhttps://command.therateupdate.com/TRU Debt Optimizerhttps://debtrelief.therateupdate.com/Mortgage Calculators & Toolshttps://stan.store/TRU-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets.All opinions are my own and do not represent PBT Bancorp, TRU Mortgage Team, or any financial institution I may be employed by or affiliated with.Nothing on this channel is an offer to lend, a commitment to lend, financial, legal, tax, or investment advice. Mortgage rates, terms, approvals, and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.#MortgageRates #HousingMarket #FederalReserve #Homebuyers #Refinance

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The Tobacco Road Show - *NEW EPISODE NOW AVAILABLEEpisode 175: The “BUTTER!” Episode The Tobacco Road Show is back and all new, hosted by dlonz and transmitting to you from JUST outside of Chicago! Saddle up for a wild ride down the Tobacco Road where we bring you the best dirty Cowpunk, smoke filled Country, and whiskey-soaked Blues, all in ONE HARD HOUR! Hang out at the Tobacco Barn and have some drinks as we go from TWANG to BANG…every damn time!Last Call Tonight:  Hailing from Rome Italy, he's rural, he's raw, and he's singing the blues!  It's BELLY HOLE FREAK!!Submit or Request Songs at:  tobaccoroadshow@gmail.comThis episode's ONE HARD HOUR playlist:01. Benjamin Tod & Lost Dog Street Band - Brighter Shade (Live from A Mile High)02. Sparrow Smith and The Resonant Rogues - Carolina Mountains03. Split Lip Rayfield - Movin' To Virginia04. The Tillers - Migrant's Lament05. The Waymores - Cowboy06. Lance Rogers - High and Dry07. Natalie Prauser - Whole Lotta Debt08. Robert Connely Farr - If It Was Up To Me09. Gob Iron - Nicotine Blues10. The Builders and the Butchers - Bad Blood11. Mick Clarke - Blues Before Sunrise12. Hard Stairs - Chicken Hearted Woman (Live at the Frog)13. Jimmy "Duck" Holmes - Catfish Blues14. Belly Hole Freak - 21 Grams / Soul Bounce

Every Friday around 8:15​-8:20 a.m. on KFAN 100.3 the Power Trip Morning show plays the Initials Game presented by Builders and Remodelers!The game involves 12 items people, place, things, phrases or anything as long as they share the same initials. All 12 items share the same initials. The contestants do not know the initials until they are revealed shortly before the game starts. Each item has 6 clues. As soon as the contestants know who or what the host is describing, they yell out their name. Their name is their buzzer. If the contestant gets it right, they get a point. If they get it wrong they are out for just that item. The item does have to be pronounced correctly. It is best out of 12 with tiebreakers if needed. Tiebreaker items have 3 clues.#InitialsGame #ThePowerTrip #KFAN1003FOLLOW The Power Trip on Social Media:► Like the show on Facebook: http://www.facebook.com/PowerTripKFAN​​► Follow the show on Instagram: http://www.instagram.com/PowerTripKFAN​​► Follow the show on Twitter: http://www.twitter.com/PowerTripKFAN​​► Follow Cory Cove on Twitter: http://www.twitter.com/CoryCove​​► Follow Chris Hawkey on Twitter: http://www.twitter.com/Chris_Hawkey​​► Follow Meatsauce on Twitter: http://www.twitter.com/Meatsauce1​► Follow Mark Parrish on Twitter: http://www.twitter.com/MarkDParrish► Follow Marney Gellner on Twitter: http://www.twitter.com/MarneyGellner► Follow Zach Halverson on Twitter: http://www.twitter.com/ZachHalverson See omnystudio.com/listener for privacy information.

This week's Throwback Thursday episode was originally released as Episode 221 on August 26th, 2024. In this conversation, A Wilhelm Scream guitarist Trevor Reilly discusses the creation of their fan-favorite 2013 single, “Boat Builders.” Trevor dives into the song's seamless blend of metal, punk rock, and thrash, revealing how its diverse influences come together to create a powerful and unique sound. He also shares the personal connection behind the track, which serves as a love letter to their hometown of New Bedford, Massachusetts.  Chris DeMakes A Podcast is brought to you by DistroKid, the ultimate partner for taking your music to the next level. Get 30% off your first YEAR with DistroKid by signing up at ⁠http://distrokid.com/vip/demakes For bonus episode of The After Party podcast, an extensive back catalog of past After Party episodes, early ad-free releases of new episodes of Chris DeMakes A Podcast, full video versions of episodes, and MUCH more, head to the Patreon at ⁠http://www.ChrisDeMakes.com Follow Chris DeMakes A Podcast on Instagram: ⁠https://www.instagram.com/chrisdemakesapodcast/⁠ Join the Chris DeMakes A Podcast community on Facebook: ⁠https://www.facebook.com/groups/2643961642526928/⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it really take to rebuild your business, reputation, and confidence after losing almost everything?In this episode of the Builders of Authority Podcast, the tables are turned as Adam McChesney steps away from the host's chair and is interviewed by Builders of Authority COO Alejandra during her visit to the St. Louis office.Adam shares the complete story behind his entrepreneurial journey, from working in corporate medical device sales and learning digital marketing through an online course to building his first performance-based marketing website and eventually launching an agency.He also opens up about one of the most difficult periods of his life: the collapse of a previous business partnership in early 2024. Adam discusses the legal and financial consequences, the mental burden of feeling like a failure, and the decision to start over when quitting would have been easier.In this conversation, Adam and Alejandra discuss:• Transitioning from corporate medical device sales into entrepreneurship• Learning digital marketing and building his first website• Navigating the legal and financial impact of a failed business partnership• Overcoming the mental burden and identity crisis caused by professional failure• Rebuilding Builders of Authority from a small team into an agency of approximately 50 employees• Scaling a company rapidly without following a traditional agency growth model• Prioritizing committed, high-quality people instead of replacing teams with AI tools• Creating long-term client relationships by deeply serving the people who trust you• The pressure entrepreneurship can place on marriage, family, and personal health• Evolving individual skills and leadership abilities at the same rate the company growsAdam also speaks candidly about the personal cost of rebuilding a business. He reflects on struggling to remain mentally present at home, the pressure placed on his wife, Delaney, and the responsibility he feels as a father to his son, Murphy.He closes the conversation with a direct message for entrepreneurs experiencing failure and advice for his internal team on what it takes to grow alongside a rapidly scaling company.

Principals are constantly told to "do more with less." But doing the same work with fewer people, less money, less time, and less support is not resourcefulness. It's making bricks without straw. In this episode, I break down why shrinking budgets are quietly shrinking schools' visions—and how Builders keep pursuing 100% without pretending that resources don't matter. THIS EPISODE IS SPONSORED BY THE SUPPORTING STRUGGLING STUDENTS IMPLEMENTATION KIT Strengthen Tier 1 Support by helping your staff  create SUCCESS Plans that make better use of the intervention capacity you still have: https://buildershipuniversity.com/implementation-kit/  WHAT YOU'LL DISCOVER: • What new RAND research reveals about the shift from school improvement to financial survival • Why "maintaining our gains" can become a respectable-sounding way to lower expectations • How eliminated positions create invisible transfers of work to principals • The difference between being resourced and being resourceful • Why programs, positions, and purchases cannot become the anchor for your vision • How a principles-based ONE Plan helps you pivot without diminishing the result • How to identify what your school should stop, redesign, or request when resources shrink • The five questions in a one-page Priority Protection Plan Budget cuts don't merely reduce what is available. They reveal which gains were truly built into the school—and which were being propped up by programs, positions, and purchases that worked only while the funding lasted. A smaller budget may require a different pathway. It does not require a smaller vision. SUBSCRIBE TO THE 100% PRINCIPAL WEEKLY Get the complete newsletter delivered every Friday: https://100percentprincipal.com

Tyler Hunsberger has won a NARI Contractor of the Year award and earned a spot on Pro Remodeler's 40 Under 40. He is a fourth-generation contractor who has spent nearly 15 years on the sales and design side of remodeling. Now he is bringing that playbook back to his family's company after 25 years with no marketing, no estimating, and one single customer. This conversation is a masterclass in how remodelers actually win jobs. In this episode you will learn: How Tyler builds real excitement on a first phone call before he has ever seen the project What he does with a lead that is clearly a bad fit for his company The approach that earns him reviews far more often than any email or QR code How he opens the budget conversation without naming his own numbers first The way he delivers a $15,000 change order without losing the client's trust Listen to the episode to learn more. Resources: Learn more about Tyler and his work here.

What happens when self-declared prophets, alien messengers, and doomsday fanatics build secret empires in plain sight — and convince others to follow them to the end of the world?EPISODE BLOG PAGE (includes sources): https://weirddarkness.com/cultsREAD or DOWNLOAD the full transcript of this episode: https://weirddarkness.tiny.us/utz5hrfdSOURCES and RESOURCES:New York Post - “Inside Manhattan's secret ‘cult'”. *** News.com.au - “Congregation for the Light: Inside New York's ‘cult next door'” *** Sinisterhood Podcast - Episode 16: “Congregation for the Light” *** The Commentator - “The Cult Around the Corner” *** Brooklyn Magazine - “Murray Hill Has A Secret Homophobic Aryan Doomsday Cult” *** https://yucommentator.org/2018/10/cult-stern-35th-the-light *** https://nypost.com/2014/11/02/the-secret-society-cult-that-operates-out-of-murray-hill/ ***https://www.researchgate.net/publication/381978851_Raelism_An_Unconventional_Religious_Pathway_to_Transhumanism*** https://en.wikipedia.org/wiki/Ra%C3%ABlism *** https://www.ebsco.com/research-starters/religion-and-philosophy/raelism *** https://en.wikipedia.org/wiki/Clonaid *** https://www.bota.org/ ***https://www.botaineurope.org/ *** https://articles.skeptics.nz/2023/04/24/builders-of-the-adytum-the-tarot-cards-and-qabalah-in-naenae *** https://en.wikipedia.org/wiki/Builders_of_the_Adytum *** https://ilovehistory.utah.gov/1847-1904-lds-practice-of-polygamy/ *** https://www.watchman.org/profiles/pdf/fldsprofile.pdf ***https://en.wikipedia.org/wiki/Fundamentalist_Church_of_Jesus_Christ_of_Latter-Day_Saints *** https://fr.wikipedia.org/wiki/Ching_Hai ***https://www.godsdirectcontact.org/spiritualpractice/Master_Ching_Hai.htm *** https://suprememastertv.com/en1/v/211271952624.html *** https://en.wikipedia.org/wiki/Ching_Hai *** https://de.wikipedia.org/wiki/Ching_Hai *** https://nypost.com/2018/01/11/the-cult-leader-behind-the-worlds-fast-growing-vegan-chain/ ***https://open.library.ubc.ca/cIRcle/collections/ubccommunityandpartnerspublicati/52387/items/1.0385823 *** https://en.wikipedia.org/wiki/Happy_Science *** https://eng.the-liberty.com/2016/6323/ *** https://en.wikipedia.org/wiki/Happiness_Realization_Party *** https://en.wikipedia.org/wiki/Ryuho_Okawa *** https://www.cdamm.org/articles/cut-tsl *** https://summitlighthouse.org/aboutus/church-universal-and-triumphant/ *** https://en.wikipedia.org/wiki/Church_Universal_and_Triumphant ***https://articles1.icsahome.com/articles/denouement-of-the-prophets--cult-the-church-universal-and-triumphant-in-decline *** https://en.wikipedia.org/wiki/Elizabeth_Clare_Prophet *** https://en.wikipedia.org/wiki/Twelve_Tribes_communities *** https://people.com/adam-arthur-rosenthal-twelve-tribes-religious-sect-accused-murder-8753907 *** https://nypost.com/2018/06/05/religious-cult-probed-for-child-labor-after-factory-expose/ *** https://en.wikipedia.org/wiki/Apostles_of_Infinite_Love *** https://en.wikipedia.org/wiki/Jean-Gaston_Tremblay *** https://ktxs.com/news/big-country/ktxs-special-report-mystery-still-surrounds-house-of-yahweh-*** https://www.watchman.org/profiles/pdf/houseofyahwehprofile.pdf ***https://en.wikipedia.org/wiki/Unfulfilled_Watch_Tower_Society_predictions *** https://en.wikipedia.org/wiki/House_of_Yahweh *** https://www.apologeticsindex.org/316-house-of-yahweh *** https://en.wikipedia.org/wiki/Nuwaubian_Nation *** https://people.com/crime/story-behind-united-nuwaubian-nation-moors-georgia-cult *** https://en.wikipedia.org/wiki/Dwight_York *** https://www.adl.org/resources/news/leader-anti-government-sect-sentenced-135-years *** https://www.splcenter.org/resources/extremist-files/nuwaubian-nation-moors/ *** https://billygraham.org/answers/how-is-christianity-different-from-other-religions(Over time links may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)WeirdDarkness® is a registered trademark. Copyright ©2026, Weird Darkness.Originally aired: March 28, 2025Weird Darkness host Darren Marlar pulls back the curtain on modern cults hiding in plain sight, from city apartments to desert compounds to Montana doomsday bunkers. This episode profiles more than a dozen secretive groups, including Manhattan's Congregation for the Light, the alien-worshipping Raëlian Movement and its Clonaid cloning claims, the polygamist FLDS led by imprisoned prophet Warren Jeffs, Supreme Master Ching Hai, Japan's Happy Science, Eckankar, Elizabeth Clare Prophet's Church Universal and Triumphant, the Twelve Tribes, the House of Yahweh, and the pyramid-building Nuwaubian Nation of Malachi Z. York. Along the way, Darren digs into why people get drawn in, the warning signs of a dangerous group, and what sets biblical Christianity apart from them all.

Every Friday around 8:15​-8:20 a.m. on KFAN 100.3 the Power Trip Morning show plays the Initials Game presented by Builders and Remodelers!The game involves 12 items people, place, things, phrases or anything as long as they share the same initials. All 12 items share the same initials. The contestants do not know the initials until they are revealed shortly before the game starts. Each item has 6 clues. As soon as the contestants know who or what the host is describing, they yell out their name. Their name is their buzzer. If the contestant gets it right, they get a point. If they get it wrong they are out for just that item. The item does have to be pronounced correctly. It is best out of 12 with tiebreakers if needed. Tiebreaker items have 3 clues.#InitialsGame #ThePowerTrip #KFAN1003FOLLOW The Power Trip on Social Media:► Like the show on Facebook: http://www.facebook.com/PowerTripKFAN​​► Follow the show on Instagram: http://www.instagram.com/PowerTripKFAN​​► Follow the show on Twitter: http://www.twitter.com/PowerTripKFAN​​► Follow Cory Cove on Twitter: http://www.twitter.com/CoryCove​​► Follow Chris Hawkey on Twitter: http://www.twitter.com/Chris_Hawkey​​► Follow Meatsauce on Twitter: http://www.twitter.com/Meatsauce1​► Follow Mark Parrish on Twitter: http://www.twitter.com/MarkDParrish► Follow Marney Gellner on Twitter: http://www.twitter.com/MarneyGellner► Follow Zach Halverson on Twitter: http://www.twitter.com/ZachHalverson See omnystudio.com/listener for privacy information.

In his first interview since declaring the ElizaOS token dead, Eliza Labs Founder Shaw Walters sits down with CoinDesk's Jennifer Sanasie to lay out what he says actually happened. He also makes a broader case for why crypto's casino culture is actively driving out the builders who could make the space matter and why he's still coding Eliza every day regardless. - Timecodes: 00:00 - Shaw Walters Joins CoinDesk 02:23 - “Why Do People Think I Owe Them Anything?" 06:35 - How AI16Z Started: A $75K Joke That Hit $2.6 Billion 10:49 - Does He Regret Launching the Token? 11:43 - Crypto “Needs to Die And…Be Restarted" 15:34 - On the Burwick Lawsuit: "It Was a Total Scam"18:36 - "The Casino Is Not the Industry" 20:40 - Why He's Still Building Eliza 24:00 - "Stay Away From All of This and Invest In Yourself" - This episode was hosted by Jennifer Sanasie. This interview has been edited for clarity and focus.

A job can turn into a completely different house when major design changes arrive after framing starts. Charles Ochello, Nick, and Tyler talk about the pressure to keep moving, the cost of avoiding a full stop, and why the big decisions need to be settled before construction begins. Charles' Website:  https://www.vitruviusbuilt.com From Contractor to Company Workshop: https://www.moderncraftsman.co/workshop-registration Sign up for the Modern Craftsman Community:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed LaVashia Davis. Guest: LaVashia Davis, Founder of Ell Wess Advisors (boutique family office and wealth management firm)Host: Rushion McDonaldTopic: Building multigenerational wealth, family wealth planning, asset protection, and creating lasting legacies. Purpose of the Interview The interview focuses on helping first-generation wealth builders and entrepreneurs understand that wealth creation is about more than investments. Davis explains how families can organize, protect, grow, and transfer wealth across generations by treating their family finances as a structured enterprise rather than simply accumulating money. A central theme is that many successful individuals earn substantial incomes but lack a blueprint for preserving and transferring wealth. Davis advocates for intentional planning, legal structures, family involvement, and asset protection to create lasting legacies. Key Takeaways 1. Wealth Requires a Blueprint Davis explains that creating a legacy does not happen automatically. Families need a deliberate plan, legal structures, and defined roles if they want wealth to survive beyond one generation. Takeaway: Making money and building wealth are not the same. Wealth requires systems and succession planning. 2. Family Should Be Treated as an Asset One of Davis's strongest messages is that family members can play meaningful roles in wealth-building efforts. She argues that when people think about legacy, they often overlook the importance of human relationships and family participation. Wealth-transfer strategies frequently require successors, trustees, managers, and beneficiaries. Many of those roles can be filled by family members. Takeaway: Family can be a strategic asset when properly organized and aligned. 3. Not Every Family Member Contributes Equally Davis acknowledges that some family members may behave more like liabilities than assets. Using a balance-sheet analogy, she explains that every family includes both contributors and individuals who may create financial burdens. The key is identifying those dynamics without allowing them to derail long-term wealth planning. Takeaway: Successful family wealth planning requires honest assessment of family dynamics. 4. Wealth Management Is More Than Investments Davis differentiates her firm's approach from traditional investment-focused advisory services. Her firm begins with: Family and wealth governance Legal structures Estate planning Tax planning Business succession planning Preparing future generations to inherit wealth Investments are addressed after these foundational elements are in place. Takeaway: Investments should support a broader wealth strategy, not drive it. 5. "Your Family Is a Business" One of Davis's most memorable concepts is that families should think of themselves as enterprises. She advises clients to separate their “wealth business” from their personal household and to create structures that can survive beyond their lifetime. Takeaway: Families should operate with the same intentionality that successful businesses use. 6. First-Generation Wealth Creates Unique Challenges Davis specializes in serving people who are the first high earners or successful entrepreneurs within their families. She notes that these individuals often face challenges that previous generations never had to navigate, including: Sudden financial complexity Family expectations Tax planning Asset protection Wealth transfer decisions Takeaway: New wealth requires new skills and specialized guidance. 7. There Are Four Forms of Capital Davis identifies four sources of capital: Human Capital – people, family, relationships Intellectual Capital – knowledge and expertise Social Capital – networks and connections Financial Capital – money and assets She argues that most families focus only on financial capital while neglecting the others. [Lavashia D...(Podcast) | Txt] Takeaway: Wealth is broader than money. 8. Asset Protection Is Essential Davis warns that unprotected assets can disappear quickly due to lawsuits, business failures, creditor claims, or debt obligations. She emphasizes the importance of proper ownership structures, legal entities, and asset protection strategies. [Lavashia D...(Podcast) | Txt] Takeaway: Wealth must be protected as carefully as it is created. 9. Different Advisors Serve Different Stages of Wealth When McDonald asks how people should evaluate their current financial advisor, Davis provides a thoughtful perspective: An advisor who helped someone build their first million dollars may not be the right advisor to help them grow to ten million dollars. Increased wealth often brings more complexity and a need for broader expertise. [Lavashia D...(Podcast) | Txt] Takeaway: Financial advisory needs evolve as wealth grows. Notable Quotes On Family and Legacy "Your family is your God-given team, not your liability." [Lavashia D...(Podcast) | Txt] On Wealth Planning "When you say that you want to build something that's long lasting or you want to create a legacy for children, there's a blueprint that needs to be followed." [Lavashia D...(Podcast) | Txt] On Family Dynamics "Your family even has a balance sheet when it comes to assets and liabilities." [Lavashia D...(Podcast) | Txt] On Financial Complexity "My particular mission is the first-generation families who want to make an exponential difference in their families." [Lavashia D...(Podcast) | Txt] On Her Approach "We don't begin with investments. We begin by stabilizing and creating a way that you really want to operate your wealth business." [Lavashia D...(Podcast) | Txt] On Family Wealth "Your family and your finances are definitely a business." [Lavashia D...(Podcast) | Txt] On Wealth Building "Your family is in the business of growing the value of your last name. Period." [Lavashia D...(Podcast) | Txt] On Capital "The four sources of capital are human capital, intellectual capital, social capital, and financial capital." On Asset Protection "The wealth you build can be taken if it's not protected." On Advisor Selection "The advisor that may have gotten you to your first million... may not be the advisor that can get you to ten million." Overall Message Lavashia Davis's core message is that wealth is not simply about earning or investing money—it is about building systems, structures, and family alignment that allow wealth to endure across generations. By treating the family as an asset, activating multiple forms of capital, protecting assets legally, and planning intentionally, families can transform income into legacy. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.