Worst Christmas Gift Ideas - Electric Oasis by Burlington Beer Co The 12 Pods of Christmas - Christmas Time isnt the same without Opinions and Beer ! So here we are kicking off the 2024 - 12 pods !! whats the worst christmas gift - Socks?? all while drinking Electric Oasis Gose
In a disturbing coinincidence in Missoula, Mont., a Palestine solidarity march to protest the bombardment of Gaza ran into a separate but simultaneous anti-Israel march by neo-Nazis. Since the Gaza bombardment began, open neo-Nazi marches have also been reported from Madison, Wisc., Dallas, Tex., and elsewhere around the country. Yet, in addition to displaying enthusiasm for Hamas, their banners also read "REFUGEES NOT WELCOME"—and we may assume it was a similar ultra-right xenophobe who shot three Palestinian youths in Burlington, Vt. This makes it all the more maddening that elements of the "left" share with the Nazis an unseemly enthusiasm for Hamas—providing much fodder for the pro-Israel and "anti-woke" right. In Episode 201 of the CounterVortex podcast, Bill Weinberg continues to explore the dilemma. Listen on SoundCloud or via Patreon. https://www.patreon.com/countervortex Production by Chris Rywalt We ask listeners to donate just $1 per weekly podcast via Patreon -- or $2 for our new special offer! We now have 60 subscribers. If you appreciate our work, please become Number 61!
Ralph welcomes back Chuck Collins, heir to the Hormel fortune and cofounder of Patriotic Millionaires to discuss his latest report “The True Cost of Billionaire Philanthropy” which asks the question, “Would society be better off if billionaires just kept their money and paid their fair share of taxes?” Plus, we speak briefly about the situation in Gaza with Lara Friedman, president of the Foundation for Middle East Peace and Francesco DeSantis keeps us up to date with the latest news with his segment “In Case You Haven't Heard.”Chuck Collins directs the Charity Reform Initiative at the Institute for Policy Studies, where he also co-edits Inequality.org. Mr. Collins co-founded the Patriotic Millionaires and United for a Fair Economy, and he is the author of Born on Third Base and The Wealth Hoarders: How Billionaires Pay Millions to Hide Trillions.Here's our analysis: for every dollar that Elon Musk or Bill Gates - some of these billionaires - give, the rest of us chip in 74 cents in lost tax revenue. And that's at the federal level... So, these are our tax dollars at work. And yet they're completely unaccountable in terms of where the money goes.Chuck CollinsThe financial industry, the wealth advisors—I call them the wealth defense industry—the tax attorneys and accountants. They have started to capture corners of what we think of as philanthropy with the same kind of worldview—capital preservation, tax minimization, passing on as much wealth to the next generation. So, you see ultra-wealthy people creating family foundations. And the most important thing to realize is this is taxpayer-subsidized private power.Chuck CollinsWe need to change the laws governing philanthropy. The framework that we are living with now is from 1969, which was a zenith of relative equality in the United States. We wouldn't have necessarily known that 50 years later we would be living in an oligarchy where billionaires would use their charity as an extension of their influence and power as aggressively as they are now.Chuck Collins[Shareholder resolutions are] a good way to shine some light on the murky, narcissistic, self-enriching practices of these executives who often do so at the expense of their own companies in a conflict of interest. It would be good if this discussion sparked something like that… It's not a structural reform of our political economy, to be sure. But it does alleviate some of the poverty, some of the health care necessities, the housing necessities in the areas where these corporations operate.Ralph NaderLara Friedman is the President of the Foundation for Middle East Peace. She is a leading authority on the Middle East, with particular expertise on U.S. foreign policy in the region, on Israel/Palestine, and on the way Middle East and Israel/Palestine-related issues play out in Congress and in U.S. domestic politics, Ms. Friedman is a former officer in the U.S. Foreign Service, with diplomatic postings in Jerusalem, Washington, Tunis and Beirut. She also served previously as the Director of Policy and Government Relations at Americans for Peace Now.In Case You Haven't Heard with Francesco DeSantis1. The AP reports Hamas has released a third group of hostages – including 14 Israelis and the first American hostage – as part of a four-day truce with Israel. In return, Israel has released 39 Palestinian prisoners. The Biden administration has expressed that their goal is to extend the ceasefire as long as possible. This about-face in administration policy is a testament to the power of the sustained protest and public pressure campaigns in favor of a ceasefire. However, this truce is scheduled to expire at the end of this week.2. Going further, Vermont Senator Peter Welch has called for an “indefinite ceasefire,” following the horrific shooting of three Palestinian-American students in Burlington, Vermont. Senator Welch writes “The ceasefire must be extended...to stop the bombing and prevent further loss of civilian life. The United States cannot condone a resumption of the bombing when it causes death and injury to so many civilians.” It is noteworthy that the other Senator from Vermont, Bernie Sanders, still refuses to call for a ceasefire.3. The Nation has published a piece on the genocide in Gaza that was pulled from the Harvard Law Review at the last moment. The opening lines of this article read “Genocide is a crime. It is a legal framework. It is unfolding in Gaza. And yet, the inertia of legal academia, especially in the United States, has been chilling. Clearly it is much easier to dissect the case law rather than navigate the reality of death. It is much easier to consider genocide in the past tense rather than contend with it in the present. Legal scholars tend to sharpen their pens after the smell of death has dissipated and moral clarity is no longer urgent.”4. The Intercept's Ryan Grim has shared an excerpt from his new book The Squad: AOC and the Hope of a Political Revolution in which he seeks to explain Pennsylvania Senator John Fetterman's intransigent stance in favor of Israel. Essentially, Grim argues that Fetterman made a deal with AIPAC and the Democratic Majority For Israel, with Fetterman pledging opposition to the BDS movement and support for unconditional military aid to Israel, and in exchange, “DMFI and AIPAC stayed out of his race.”5. Independent journalist Séamus Malekafzali reports “A member of Germany's ruling coalition from the Greens wants all German media to sign a pledge to support Israel and its ‘right to exist', similar to how Axel Springer's media organizations (like Politico) do.” To learn more about POLITICO's new ultra-Zionist German ownership, check out the first issue of the Capitol Hill Citizen.6. The Prospect is out with a blockbuster article on the first major anti-trust case in 25 years, U.S. v. Google. This piece traces how what was once billed as the “Trial of the Century” became “the Secret Trial,” and stresses the testimony of Al-Amyn Sumar, legal counsel for the New York Times who “listed the factors that separated this case from any other his legal team had seen before… [including] numerous closed-door proceedings, withholding of public evidence, and extensive confidentiality claims by companies (not just Google, but secondary parties to the case like Microsoft and Apple) that were granted all too liberally by the judge. [Sumar noted] Even access to trial transcripts were scant, trickling out weeks after examinations.” Sumar capped this off by saying “this simply can't be the best way to go about the legal process.”7. The Prospect also reports the Biden-appointed chair of the Commodity Futures Trading Commission, Rostin Behnam, is attempting to implement a Trump-era rule that would “roll back Dodd-Frank protections for swap trades, a major class of derivatives that led directly to the 2008 financial crisis, by relaxing margin requirements for certain categories of investment funds.” Several Democrats are coming out in opposition to this move. A letter from Senator Sherrod Brown decries this as “a step in the wrong direction… [which would] undermine the goals of Dodd-Frank.”8. A third story from the Prospect focuses on deceptive Medicare Advantage plans, and specifically how they have been able to legally circumvent ACA protections covering pre-existing conditions. Put simply, if one enrolls in a Medicare Advantage program before age 65, then wishes to transition to traditional Medicare, they can be forced to undergo “underwriting” or medical health screening. As of now, only four states – New York, Massachusetts, Connecticut, and Maine – prevent Medigap, the Medicare supplemental insurance that covers the 20 percent of medical expenses not covered by Medicare, from underwriting Medicare Advantage patients attempting to switch back to traditional Medicare. As the article explains “The millions of Americans not living in those states are trapped in Medicare Advantage, because Medigap plans are legally able to deny them insurance coverage.” Yet another instance of the pernicious influence of Medicare Advantage on the health of American seniors.9. The Tuscon Sentinel has published a story which exemplifies the folly of the so-called school choice movement. Last year, Arizona became the first state to offer all families in the state public dollars to spend at private educational institutions. In response, nearly all private schools raised their tuition rates. As the article notes, “Critics…cite the tuition increases as evidence of what they've warned about for years: Universal school choice, rather than giving students living in poverty an opportunity to attend higher-quality schools, would largely serve as a subsidy for the affluent.”10. Finally, radical and cartoonish right-wing Libertarian Javier Milei has won the presidential election in Argentina. According to the AP, Milei has vowed to implement his signature “Chainsaw Plan” for “wholesale reform of the state to slash public spending, scrap half the government's ministries, sell state-owned companies and eliminate the central bank.” It remains to be seen how far Milei will go with this program, but signs point to turbulent times ahead in Argentina.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe
How are electric guitars made? How are guitar strings made? And how, exactly, do guitars work? We're answering questions about electric guitars with local luthier (guitarmaker) Lea in Burlington, Vermont. Creston gave us a tour of his studio–including his custom glitter room, to help us understand what goes into making an electric guitar. Download our learning guides: PDF | Google Slide
How Vermont's congressional delegation has changed its political stance since the Israel-Hamas war started. Plus, an update on the health of three young men shot in Burlington, a lawsuit challenging noncitizen voting is rejected, the push for a rental registry in Burke, and why Montpelier still has no post office following July's floods.
We begin with a segment on why some disagree with the City of Albany's move to fluoridate its water supply. Then, our peace segment has a report of the Black Friday protest at Crossgates Mall in support of ending the attacks on Gaza. Later on, we hear from ten year older-year-old Colin Ricker about why he supports the NY Heat Act climate proposal. Then. Mosel Nagels talks with Wafic Faour of Vermonters for Justice in Palestine about the shooting in Burlington of three Palestinian college students. We finish with a segment on the 200th anniversary of the poem, “Twas the Night before Christmas.
In an attack that shocked the world, three Palestinian American college students were shot and wounded while walking in Burlington on Nov. 25. The men were in Vermont visiting family for Thanksgiving.Police allege that 48-year old Jason Eaton stepped off his porch and shot the three men. The attack appears to have been unprovoked and the assailant said nothing before opening fire, the victims told police. Eaton has been charged with three counts of attempted second degree murder, and authorities are investigating whether to add a hate crime charge. He has pleaded not guilty and is being held as he awaits a bail hearing. The three victims, all age 20, are Hisham Awartani, a student at Brown University in Rhode Island; Kinnan Abdalhamid, a student at Haverford College in Pennsylvania; and Tahseen Aliahmad, a student at Trinity College in Connecticut. They were classmates at the Ramallah Friends School, a Quaker high school in the West Bank. Two of the students are U.S. citizens and one is a legal resident of the U.S. They have been treated at the University of Vermont Medical Center. Burlington Mayor Miro Weinberger called the attack “one of the most shocking and disturbing events in this city's history.”U.S. Sen. Peter Welch, D-Vt., cited the attack when he reversed himself on Tuesday and called for an indefinite cease-fire in the Israel-Hamas War. “The impact of the conflict in the Middle East has reverberated across the world, and we've seen the effects here at home in the form of Islamophobia and antisemitism,” said Vermont's junior senator. “This cycle of fear, intimidation, and violence must end.”U.S. Attorney General Merrick Garland said the attack in Burlington was part of “a sharp increase in the volume and frequency of threats against Jewish, Muslim and Arab communities across our country since Oct. 7.” That was when Hamas launched a surprise attack that killed 1,200 Israelis, according to Israel's Foreign Ministry. Hamas' attack sparked a bombardment and ground invasion by Israel that has so far killed some 15,000 Palestinians living in the Gaza Strip, according to Gaza's Health Ministry. The United Nations reports that two thirds of the victims are women and children. The Council on Islamic Relations reported an “unprecedented” 216% increase in complaints of Islamophobic or anti-Arab bias from October 7 to November 4 compared to the previous year. The Anti-Defamation League reported that antisemitic incidents surged 316% in that same period. On this Vermont Conversation we speak about the attack on the three Palestinian American young men with Burlington resident Rich Price, the uncle of Hisham Awartani, who was shot in the spine. Doctors have told the family that Hisham may never be able to walk again. We are also joined by Wafic Faour, a Palestinian who is a member of Vermonters for Justice in Palestine, and Fuad Al-Amoody, vice president of the Islamic Society of Vermont. “This hideous crime did not happen in a vacuum,” Hisham Awartani texted from the ICU.“I am but one casualty in this much wider conflict,” he wrote to a professor who read the statement at a vigil at Brown University this week, according to the Boston Globe. “Any attack like this is horrific, be it here or in Palestine. This is why when you send your wishes and light your candles for me today, your mind should not just be focused on me as an individual, but rather as a proud member of a people being oppressed.”Rich Price told The Vermont Conversation that his nephew and his friends who were attacked “represent the best and brightest of Palestine and what it means to be Palestinian.” Price said, "It's important that we stop dehumanizing Palestinians, that we create a place where you can both advocate for the rights of Palestinians, stand in solidarity with Palestinians, and not be viewed as antisemitic or anti-Israeli.” He said that is essential to achieve lasting peace between Israelis and Palestinians.Fuad Al-Amoody added that while he was moved by the outpouring of support for the three Palestinian Americans in Vermont, it underscored a painful reality. “If this tragedy happened in Palestine (to) the same three people, I don't think we'll see the same compassion that we're seeing right now here.”“If you remove that ‘American' and just the ‘Palestinian' remains, I wish, I hope (that) the compassion, the solidarity is shown to the same people in Palestine,” Al-Amoody said. Wafic Faour said that after this tragedy, “I hope people will learn that Palestinians are no different. They are human.”“We should go after hate crimes if it is against Palestinians, or Muslims, or because of Islamophobia, or antisemitism or anti-black and anti-Brown. We have to teach our kids that racism shouldn't be part of our daily life here.”Price observed, "To be Palestinian in this world is difficult. You learn how to deal with trauma, you learn how to deal with tragedy, and I'm seeing in these boys resilience and strength that would really just be awe inspiring to anyone to witness." "They had big dreams to build a bright future. And my hope is that this has pushed pause on that and that they can resume building that bright future sometime soon."
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More than 50 people gathered Tuesday evening at a candlelight vigil in downtown Burlington to show their support for three college students who were shot over the weekend. One is Palestinian and two are Palestinian American.
8 P.M. HourDan had his finger on the pulse of Tuesday's stories. It included:-Dr. Alex del Carmen – Criminologist at Tarleton State University in TX on the Burlington, VT shooting of 3 Palestinian students.-Dylan Jeon of the National Retail Federation on how cash is no longer king and paying by plastic is the new norm.-Nasir Rana - Spokesperson for the Ahmadiyya Muslim Community, Greater Boston Chapter on their upcoming event #VoicesForPeace Greater Boston .-The Patent Professor John Rizvi on how the Hall and Oates lawsuit puts a spotlight on a secretive industry.
Author Heather Dixon discusses her two new releases, Burlington and Last Summer at the Lake House, both of which released this fall. In Burlington, a mother of two moves to a new neighborhood and quickly gets caught up in the drama of the other mothers. However, the schoolyard politics soon take a dark turn when one of the moms goes missing. In Last Summer at the Lake House, three sisters are called back to the family lake house after their father's death only to learn that he was hiding a dark secret from them all. Despite being in different genres, Heather's books share similar themes of motherhood, belonging and identity.
Three 20 year-old Palestinian students shot on their way to a family dinner on Saturday, November 25, 2023 by Jason J. Eaton of Burlington, Vermont. Eaton was charged with three counts of second-degree attempted murder but not with committing a hate crime.
On Saturday evening, November 25, 3 College students of Palestinian descent were shot while walking together in Burlington Vermont. Many have pointed to the heated rhetoric associating all Palestinians with Hamas and all opposition to the Israeli occupation as anti-semitism as fuel for this attack. Moses Nagel spoke with Wafic Faour, a member of the group Vermonters for Justice in Palestine about the shooting.
Hosts: Leah Murray and Greg Skordas Congresswoman Celeste Maloy is sworn in by Speaker Mike Johnson Congresswoman Celeste Maloy has been sworn in by Speaker Mike Johnson to represent Utah's 2nd Congressional District in the House of Representatives. Leah and Greg discuss this big achievement and what they anticipate to see from her in office. Utah appoints its first female warden Utah has just appointed Kristen Keilsel as the state's first female warden. Dr. Susan Madsen, Founding Director of the Utah Women & Leadership Project, joins the show to discuss the impact of women taking on roles that we don’t often see them in. What happens if Rep. John Curtis swaps from the House to the Senate? Representative John Curtis is seriously considering a run for Mitt Romney’s Senate seat, which raises an interesting question that Leah and Greg discuss: What happens if he indeed ends up making that switch from the House to the Senate? The significance of Giving Tuesday and supporting nonprofits year-round Today is Giving Tuesday, and it may make you pause and think about generosity—not just to the people in your life, but to those in need in your community or to issues that you care about. Danielle Moran, Marketing Manager for United Way of Utah County, joins the show to discuss the significance of giving and what you can do to support local nonprofits year-round. Anti-Trump network endorses Nikki Haley in the Republican presidential primary An anti-Trump network led by Charles Koch has announced that they are endorsing Nikki Haley in the Republican presidential primary. Boyd Matheson, Host of Inside Sources, joins the show to discuss what this means for her chance in the race. The impact of fiery rhetoric surrounding the Israel-Hamas war There’s been a stark rise in Islamophobia and antisemitism in the U.S. following the war between Israel and Hamas, with one incident being that three Palestinian college students were shot in Burlington, Vermont on Saturday. Leah and Greg discuss how fiery rhetoric can impact people in ways too baffling and tragic to believe. Former President Trump pushes New York appeals court to keep his gag order on hold Among a handful of indictments centering former President Donald Trump is one civil fraud case in which he is urging a New York appeals court to continue to keep his gag order on hold. Greg explains how gag orders work and whether this behavior is legal. Merriam-Webster’s 2023 word of the year: authentic Merriam-Webster has chosen their 2023 word of the year: authentic. From the rise of Artificial Intelligence and Chat GPT to the fall of Representative George Santos with all his lies, it seems like the irony is there. Leah and Greg share their interpretations of the word and discuss whether they think Merriam-Webster made the right choice.
Hosts: Leah Murray and Greg Skordas There’s been a stark rise in Islamophobia and antisemitism in the U.S. following the war between Israel and Hamas, with one incident being that three Palestinian college students were shot in Burlington, Vermont on Saturday. Leah and Greg discuss how fiery rhetoric can impact people in ways too baffling and tragic to believe.
A display of LGBTQ-inspired art in Littleton, New Hampshire causes a stir. Plus, Sen. Welch calls for an indefinite ceasefire in the Israel-Hamas war, Gov. Scott remarks on the shootings of three young Palestinian men in Burlington, a Vermonter being held in a Kentucky prison has died, and a plan to allow the sale and use of recreational cannabis in New Hampshire goes up in smoke.
A look at administrative detention, a practice that allows Israel to jail Palestinians indefinitely without charge or trial and Jason J. Eaton pleads not guilty to three counts of second-degree attempted murder in the shooting of three Palestinian students in Burlington, Vermont.
The victims' families and multiple civil rights organizations want law enforcement officials to bring hate crime charges against a man accused of shooting two Palestinian Americans and a Palestinian in Burlington this weekend. But recent history suggests obtaining a hate crime conviction in Vermont is difficult.
The shooting of three young men of Palestinian descent by a white man in Burlington, Vermont, has again stirred fears of rising Islamophobia and anti-Arab hatred. William Brangham spoke with two of the victims' mothers about their recovery and the possible motives for the attack. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders
Facts & Spins for November 28, 2023 Top Stories: The US, UK, and 16 other nations ink non-binding AI security guidelines, Israel and Hamas agree to a 2-day Gaza temporary ceasefire extension, A House Republican suggests Israel and Ukraine aid is unlikely before 2024, Sierra Leone's government arrests alleged attackers of a military barracks, A Ukraine negotiator confirms that Boris Johnson squashed a 2022 peace deal, Three college students of Palestinian descent are shot in Burlington, Vermont, A cargo ship sinks off the coast of Greece with multiple people missing, Three kidnapped journalists are freed in Mexico, Meta's chief spokesperson makes Russia's wanted list, Joe Biden won't be attending COP28 in Dubai, and US employers are expecting to hire fewer seasonal workers this holiday season. Sources: https://www.verity.news/
11 P.M. HourOver the weekend, three Palestinians college students were shot and injured while attending a Thanksgiving holiday gathering in Burlington, Vermont. The students were targeted by a 48-year-old man with a handgun while they were walking on their way to their destination. The suspect appeared in court Monday and entered a not guilty plea to all three counts of attempted second-degree murder. Dan discussed the latest on this story.
Investigators continue to probe the shooting of three men of Palestinian descent in Burlington. Plus, Chittenden County's State's Attorney on how she'll conduct the investigation, reaction from the victim's families, a statement from president Biden, a woman dies in a Brattleboro house fire, and wintry weather causes power outages.
Tuesday, November 28th, 2023Today, in the Hot Notes: 11 more hostages are released as President Biden secures a tentative two day extension of the ceasefire; the shooter of three Palestinian students in Burlington Vermont has been arrested and Attorney General Merrick Garland is investigating the incident to determine if it was a hate crime; the Supreme Court rules that Arizona Republicans must testify about voter suppression laws; Republican Speaker Johnson makes remarks about Ukraine aid and George Santos; the New Mexico Supreme Court rejects Republican opposition to congressional maps; Marjorie Taylor Greene's book ranks 9,805th on the Amazon Best Seller list; plus Allison delivers your Good News. Dana is out and about.Promo CodeGo to JOINdeleteme.com/Dailybeans and use promo code Dailybeans for 20% off. How We Win The House 2024!https://swingleft.org/fundraise/howwewin2024Want some sweet Daily Beans Merchhttps://shop.dailybeanspod.comSubscribe to Lawyers, Guns, And MoneyAd-free premium feed: https://lawyersgunsandmoney.supercast.comSubscribe for free everywhere else:https://lawyersgunsandmoney.simplecast.com/episodes/1-miami-1985Check out other MSW Media podcastshttps://mswmedia.com/shows/Follow AG and Dana on Social MediaDr. Allison Gill Follow Mueller, She Wrote on Posthttps://twitter.com/MuellerSheWrotehttps://twitter.com/dailybeanspodhttps://www.tiktok.com/@muellershewrotehttps://instagram.com/muellershewroteDana Goldberghttps://twitter.com/DGComedyhttps://www.instagram.com/dgcomedyhttps://www.facebook.com/dgcomedyhttps://danagoldberg.comHave some good news; a confession; or a correction?Good News & Confessions - The Daily BeansFrom the Good Newshttp://www.armandleg.orghttps://traindodge.bandcamp.comhttps://museumoflightband.bandcamp.com/album/horizonhttps://calmcollapse.bandcamp.com/album/mirrored-nature Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?https://dailybeans.supercast.techOrhttps://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts
Join us on The Art of Franchise Marketing as we sit down with Betsy Hamm, the CEO of Duck Donuts, to unravel the fascinating journey of Duck Donuts' growth from a hidden gem in the Outer Banks to a nationally recognized brand. Duck Donuts was founded in 2007 by Russ DiGilio in Duck, North Carolina. His intention? To solve a family vacation problem: “Our family wanted a place to buy warm, delicious, made-to-order donuts!, and when we couldn't find one, we decided to start our own.” Headquartered in Mechanicsburg, Pennsylvania, the company began franchising in 2013, and prides itself on sprinkling happiness to its guests through its unique in-store experience, exceptional guest service and a duckzillion donut combinations. As one of the fastest-growing donut franchise companies, Duck Donuts has more than 115 locally owned and operated shops across 24 states, Peurto Rico and three international locations in Burlington, Ontario; Cairo, Egypt; and Riyadh, KSA. In this episode you'll learn how Duck Donuts navigates the evolving QSR landscape, and the delicate balance of innovation while honoring tradition. Delve into the challenges of expanding the brand and adapting to diverse markets. Discover how Duck Donuts maintains a circle of success, empowering franchisees one warm, made-to-order donut at a time.
TOP NEWS | On today's Daily Signal Top News, we break down: Israel and Hamas extend the cease-fire another two days. Three Palestinian college students were shot in Burlington, Vermont over the weekend. A U.S. ship responds to an attack on an Israeli-linked ship off the coast of Yemen. Two individuals were injured in […]
10 P.M. HourOver the weekend, three Palestinians college students were shot and injured while attending a Thanksgiving holiday gathering in Burlington, Vermont. The students were targeted by a 48-year-old man with a handgun while they were walking on their way to their destination. The suspect appeared in court Monday and entered a not guilty plea to all three counts of attempted second-degree murder. Dan discussed the latest on this story.
Join our free Florida income properties webinar, tonight, Monday, November 27th for 5.75% mortgage rates at: GREwebinars.com Today's topics: Conventional financial advice is God-awful; tertiary real estate markets; I've got a solution to guilt tipping; whether or not the world is uncertain and unsafe. Conventional financial advice is so bad. I attack the practices of setting budget alerts and paying off your smallest debts first. Don't roll a debt snowball; roll a cash flow snowball. In the past five years, tertiary markets are beginning to exhibit the rent stability of larger markets. Guilt tipping is out of control. Learn my elegant solution. You'll never pay a guilt tip again. It seems like the world is increasingly uncertain and unsafe. It isn't. I talk about why it only seems this way. Timestamps: The limitations of budgeting (00:02:43) Discussion on the drawbacks of using budgeting platforms and how they reinforce scarcity thinking. The debt snowball concept (00:05:09) Explanation of the debt snowball method of debt paydown and why it is not aligned with an abundance mindset. Investing in tertiary real estate markets (00:09:43) Exploration of the emerging bullish case for investing in smaller, tertiary real estate markets and their stability compared to larger markets. Tertiary Real Estate Markets (00:10:56) Discussion of the advantages and objections to investing in smaller tertiary real estate markets. Increasing Investor Appetite in Smaller Markets (00:12:02) Exploration of the growing interest and sales volumes in tertiary real estate markets. Guilt Tipping and a Solution (00:20:16) Explanation of guilt tipping and a proposed solution to avoid feeling pressured to leave a tip when making digital payments. Guilt Tipping and the Increasing Expectations (00:21:20) Discussion on the rise of tipping expectations and the use of digital payment prompts to ask for tips. The Problem with Guilt Tipping and the Inconvenience of Undoing Tips (00:23:45) Exploration of the annoyance of guilt tipping and the difficulty of undoing tips after poor service. The Solution: Paying Cash to Avoid Guilt Tipping (00:31:18) Suggestion to pay with cash as an elegant solution to circumvent guilt tipping and ignore electronic payment terminals. The Uncertainty of the World (00:32:25) Discusses how uncertainty has always existed and how waiting for complete clarity can hinder investment decisions. Disasters and Uncertainty (00:33:47) Lists various disasters and events that have occurred in the US, highlighting the constant presence of uncertainty and the relative sense of certainty and safety today. The Ultra Safety of American Society (00:36:13) Examines how society has become ultra safe, discussing the term "safetyism" and providing examples of excessive safety measures. Resources mentioned: Show Notes: GetRichEducation.com/477 Join our Florida properties webinar, free, Nov. 27th at 8:30 PM ET at: www.GREwebinars.com For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete Episode Transcript: Keith Weinhold (00:00:01) - Welcome to I'm your host, Keith Weinhold, with a rant on how conventional financial advice is so terribly god awful an outlook for tertiary real estate markets, then? Are you getting worn down from guilt tipping? I've got a proven solution on how you'll never pay a guilt trip to a business again. And finally, how do you arrange your investing in personal finances in a world that's uncertain and unsafe? All today on get Rich education? When you want the best real estate and finance info, the modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers. Oh, at no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of hours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple text to six, 6866. Keith Weinhold (00:01:15) - And when you start the free newsletter, you'll also get my one hour fast real estate course completely free. It's called the Don't Quit Your Day dream letter and it wires your mind for wealth. Make sure you read it, text GRE to 66866. Text GRE to 66866. Speaker 2 (00:01:40) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold (00:01:56) - Welcome from Los Angeles, California, to Las Cruces, New Mexico, and across 188 nations worldwide. I'm Keith Wayne holding. This is get rich education. When you pay for a low level service item like a Chipotle burrito, and another human is looking at you to see if you leave a 20% tip on a digital payment terminal, does that make you feel uncomfortable? Well, now you're being asked to. Guilt tip I've got a foolproof way on how to never get put in that situation again. That I'll share with you later here. You know, sometimes you just hear something that triggers a rant. I recently heard an ad for a digital platform that helps you manage your finances. Keith Weinhold (00:02:43) - And what an awful, in scarcity minded way of thinking this reinforces. But this is actually what mainstream financial guidance looks like. All right, it was an ad for a digital platform trying to attract you there. And here's basically how it works. You set up your account. Then based on your income and expenses, you set up your budget. And as you know, that is a bad word around here, a budget. It's not how you want to live long term. All right. Then, when you're close to hitting your spending budget for the month or whatever, this platform triggers a budget alert. Are you kidding me? You get emailed a budget alert. How convenient. Oh, geez. So much for living an aspirational life by design. What a dreadful idea. Like someone that really wants more out of life would actually take effort to set up something like that. You would be building an architecture to establish life patterns that completely say, I think that money is a scarce resource. Now, in the short term, you've got to do what you've got to do, which might mean living below your means for a little while. Keith Weinhold (00:03:55) - But in a world of abundance, delayed gratification should be a short term notion for you. I think that this type of platform that centered around stupid budget alerts is so limiting. Gosh, you've got to feel cheap just saying that out loud a budget alert. But anyway, that sounds conducive to this concept of scarcity based finance called a debt snowball that you can read about the debt snowball on Investopedia. But the debt snowball, that's basically how you pay off your debt with the smallest balance first, not the highest interest rate, but yes, the smallest principal balance it would have basically says is in the first step, what you're supposed to do is list your debts from smallest to largest, and that's regardless of interest rate, just smallest to largest based on the amount. And then the next step is that you make minimum payments on all of your debts except the smallest one, because you pay as much as possible on your smallest debt. And then the last step is you're supposed to just go ahead and repeat that until each debt is paid in full. Keith Weinhold (00:05:09) - That's the debt snowball. So according to that, why do they say to disregard the interest rate, which is your cost of capital? Because they say that when you pay off the smallest debt super quick, that you're going to be jumping up and down with excitement, and that is going to motivate you to keep working hard to get debt free. They say that hope is more important than math. That's the school of thought. And along the way you should lower your expenses, cut spending, work hard and add a side hustle where you can. Oh my gosh, that is all congruent with this debt snowball concept that we sure do not endorse here at. I mean, that is 100% orthogonal to the world of abundance that we believe in. So often on your high interest rate debt. What you would do then is you'd make the minimum payments with this debt snowball, and then you focus it all on your smallest debt amount, regardless of interest rate. You've heard that right? And it even advocates that you stop investing and just focus on that smallest debt amount, even if it's a low interest rate. Keith Weinhold (00:06:22) - That makes no sense. If you've decided that debt paydown is the best allocation of your first expendable dollar. All right, even if that were a yes, then in most cases you'd want to pay down the highest interest rate independent of the total principal balance on each of your debts. I mean, that's arbitrage, but they even bigger question for you, almost existential in nature is why is the best way to allocate your first expendable dollar on debt? Paydown. And. Any way it's or that. First, because one of the first places to look is how you can leverage that dollar 4 to 1 or 5 to 1 as long as you've controlled cash flows. Now, sometimes there are instances where you'd want to pay down debt before investing, certainly like a 20% Apr credit card debt, that could be one such place. So could retiring a debt to help your DTI, your debt to income ratio so that you can originate a new business loan or a new real estate loan first? All right, you might do thatrillionegardless of the interest rate on a loan. Keith Weinhold (00:07:30) - But my gosh, if we want to stick with the snowball analogy, since we're a few days from December here, instead of trying to push a debt snowball up a hill to start rolling a cash flow snowball down a hill, when you buy an asset that pays you a monthly income stream to own it, that is constructive. Compounding your cash flows beats compounding your debt paid out. Instead of trying to push a debt snowball up a hill because you're cutting your one and only quality of life down. Instead, start rolling a cash flow snowball down a hill, and now you've got gravity working with you in the right way. That is the end of my rent. Hey, maybe I just feel like complaining a bit. My Jim was playing Phil Collins and Elton John all weekend, so maybe that's a kind of what in the world kind of mood that had generated in me, I don't know. And hey, nothing wrong with Phil Collins and Elton John. I mean, those guys are truly talented singers, 100%. Keith Weinhold (00:08:28) - I just don't want to be working out to those guys. Michael Bolton, George Michael that's not motivating me to hit 20 burpees. Okay. Hey, well, I hope that you were set up for a great week. Be sure that part of it is that you are signed up for our live event tonight for 5.75% mortgage rates on Florida Income firstname.lastname@example.org. Now, whether you're looking at investment property in Florida or most any of the other 49 US states, there's a really nascent and interesting development that's been taking place for at least five years now. And that is what's happening in tertiary markets, smaller markets. I'll define tertiary a bit more shortly, but we're talking about metro statistical areas, MSAs that are probably not under 100,000 population, not that small. From a rent growth perspective. What's happened is that over the last five years, tertiary markets have had similar patterns to bigger markets. And historically, these smaller markets have been more erratic. But in rent growth terms, tertiary markets have stabilized. Now, a primary market is something like New York City or Chicago, a secondary market. Keith Weinhold (00:09:43) - You might think of that as a little Rock, Arkansas, where it's under a million in size, and then a tertiary market that's going to be somewhat discretionary. But we're talking about a population of 100 K up to, say, 300 K. And what's noteworthy is that there are now more analysts and investors that are bullish on vibrant tertiary markets. So let's talk about why this is happening. I think there's an emerging bull case for overcoming some of the historical roadblocks to tertiary market investments in a diversified multifamily or single family rental portfolio. And one classical objection is that tertiary real estate markets are too volatile. Historically, we perceive smaller markets as more volatile. Yes, and some surely are. But over these last five years, markets outside the top 50 in size were regularly more consistent. Okay. They avoided rent cuts in 2020. They recorded sizable but less lawfully rent hikes in 2021 and 2022. And now they remain moderately positive in 2023, even as larger markets have kind of flattened out in the rent growth. Keith Weinhold (00:10:56) - And of course, we're talking about a composite group of tertiary markets here. Some are more stable than others. You got to watch those local trends as always, of course. And you know, classically a second objection with these smaller markets is that, well, it's too easy to add a lot of supply. And yes, that is sometimes true and sometimes it's not. Indeed, there are a handful of small markets that are building like crazy, like Sioux Falls, South Dakota in Huntsville, Alabama. But as a group, the construction rate in what that is is the total units under construction divided by the total existing market, that is 5% in large markets versus the construction rate of just 4% in small markets. See, it can be harder to build in certain small markets due to NIMBYism or a lack of debt availability, especially if local banks aren't interested in the check size needed for construction loans. It can also be harder to build in certain small markets due to a lack. Of equity because it's a tougher sell to ask investors in a syndication to bet on a market that they don't have a lot of knowledge of. Keith Weinhold (00:12:02) - Another objection to these tertiary markets is that small markets are not liquid. Since 2019, sales volumes in dollars going into tertiary markets has doubled. Investor appetite has definitely increased in smaller markets. And that's particularly true among these traditional regional investors that are looking for better yield as the larger cities got pricier. So good small markets, you know, a lot of them really are not secrets anymore. And there's only one more objection to these tertiary real estate markets and that it is harder to scale operations. And yes, there is always benefit in efficiency of scale. But, you know, it's certainly been getting easier with better technology today. Investors can always work with top local property managers. And for investment property owners or managers, they often target small markets adjacent to larger markets where they have a bigger presence. So some other considerations before you as an investor go deep in one of these smaller tertiary markets is you want to be choosy in your market and in your site selection. Look for small markets that have multiple drivers. Keith Weinhold (00:13:13) - You don't just want these one trick ponies. You know, I've discussed with you before about how markets that are heavily focused on commodities or heavily focused on military, they are not favorable because those two sectors, for example, commodities and military, are just pretty volatile. Look for growth or steady markets, lots of small markets. They continue to grow at a pretty healthy clip. And you want to look for markets with an absence of new product. Now why don't I name a few tertiary markets so that you can get a better idea of this. So about 100 K to 300 K in population size. Not that these next ones are necessarily good or bad markets. It's just for size comparison. I'm thinking about Ocala, Florida and Shreveport, Louisiana. You know those two. They're almost getting too big. They're almost secondary markets Wilmington, North Carolina at 300 K. That's a tertiary market. So are Akron and Canton, Ohio Dayton. That's pretty tertiary, but it's also close to Cincinnati. So you got a little more safety in Dayton. Keith Weinhold (00:14:20) - Toledo is secondary. Burlington, Vermont is tertiary. Bellingham, Washington is tertiary. Yuma and Flagstaff, Arizona are both tertiary. Yes. We're talking about the stability in rents in tertiary real estate markets. Conventionally. You know, in the past, I've said that MSAs of 500 K population or more, that's pretty much where you want to be. But anymore, with the rise of remote work after 2019, it's really making some of these smaller tertiary markets more palatable to real estate investors and something that you probably want to consider. So really, that's the takeaway for you here and say this is the kind of stuff that really plays into my interests as a geography guy. See, I'm a real estate guy, but I might be the most geography interested real estate guy out there. Geography is something that I really love, though I could I don't share too much geography here on a real estate show. Sometimes it's relevant because both geography and real estate are location, location, location, but sometimes it's less relevant. Keith Weinhold (00:15:25) - For example, North America's longest river is not the Mississippi, it's the Missouri River. The New York City metro area is so populated that more than one in every 18 Americans live there. That's almost 6% of the entire American population. See, some of this is more trivial or of general interest than it is relevant to real estate. Although you could learn some geography from me. Do you know the closest US state to Africa? If you draw a straight line, the closest state to Africa is not Florida or North Carolina. It is Maine. Look on a globe. Part of the reason that Maine is the closest state is that Africa is primarily in the Northern Hemisphere, not the southern, contrary to popular belief, and to look at a different continent. The entirety of South America is east of Jacksonville, Florida. Here's one more piece of geography. Canada's beautiful and mountainous Yukon Territory is larger than California, yet California has more than 900 times the population of the entire Yukon. Yes, the giant Yukon has less than 45,000 people. Keith Weinhold (00:16:39) - It is the practice of guilt tipping out of control. And how do you respond to our world that seems to be increasingly unsafe and uncertain. That's coming up next. They say, if you give a man a fish you have fed him for. Or a day. But if you teach them to fish, you have fed him for a lifetime. Well, here at gray, we do both. I'm not talking about both in terms of men and women, but we teach you how to fish and give you a fish. Get rich. Education is where we teach you how to fish. With this show, with our blog and newsletter and videos, we also give you a fish. That's it. Gray marketplace. It's one of the few places you'll find affordable, available properties that are good quality there at marketplace. They're all conducive to our strategy of real estate pays five ways I'm Keith Wild. You're listening to get Rich education. Jerry listeners can't stop talking about their service from Rich lending group and MLS. For 256. Keith Weinhold (00:17:45) - They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your pre-qualification and you can chat with President Charlie Ridge. Personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate, and I kind of love how the tax benefit of doing this can offset capital gains in your W-2 jobs income, and they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. Keith Weinhold (00:18:55) - For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to 66866. Speaker 3 (00:19:16) - This is real estate investment coach Naresh Vissa. Don't live below your means. Grow your needs. Listen to get rich education with Keith Weinhold. Keith Weinhold (00:19:34) - Welcome back. I'm your host, Keith Weinhold. There will only ever be one great podcast. Episode 477. And you're listening to it perhaps on one third of our episodes. Throughout the show's history, there is no guest. It's 100% me, a slack jawed monologue like it is today, and lots of great Jerry episodes coming up in the future, including Robert Helms other real estate guys here soon as he runs alongside me for an episode as we discuss goals. If you get value from and you don't want to miss any future episodes, be sure to hit subscribe or follow on your favorite podcast platform so that you're sure to hear from me again after today. Keith Weinhold (00:20:16) - Is guilt tipping out of control? We have all felt it now. Does this happen to you today when you're about to pay the Starbucks barista or for the subway sandwich and they spin the digital payment terminal around toward you and say, it's just going to ask you a question before you pay. And then they stand there and they look at you in the face and they watch what you choose. All right. Does that right there give you a tinge of anxiety or even stress you out? Well, if you give in to that, that is called guilt tipping. And you know what? I've got a solution to guilt tipping. A simple and elegant way that I'm going to share with you so that you never have to see a payment terminal like this in your face again, that asks you for a tip when you're out shopping or dining and paying for something. Yes, I've got a proven solution for how you'll never even be asked to leave a guilt tip again because I tested it and mastered it. It works. Keith Weinhold (00:21:20) - We even have an unverified report on Reddit of a self-serve digital kiosk now even asking you for a tip. What? I mean, how far will this go? Yes, like a self-checkout for your own groceries at a supermarket like Giant or Safeway? First, let's get some context about why this is so important to you in the first place and how bad it's getting. It might even be worse than what you're thinking here. All right, a new study from Pew Research. It found that 72% of people said that the long standing practice of tipping is now expected in more places than it was five years ago. My reaction to that stat is what? How is it not 100% of people saying that it's happening all over the place, and consumers like you and I are increasingly getting tired of it? The way it works is that today's digital payment prompts, they allow businesses to preset suggested tip levels, so it's easier than ever for them to ask for tips and companies that have not done so in the past. They are definitely doing it now rather than giving employees a raise. Keith Weinhold (00:22:35) - Instead, they're asking you to supplement the employee wage by asking you for tips where they didn't before. Must you fight back like David Horowitz, if you're uninitiated on that? I learned about a popular show that apparently ran on prime time network television in the 1980s. The show was called Fight Back with David Horowitz, and it advocated for how consumers can fight back against unscrupulous business practices. In fact, let's listen into the cornball intro of this show, which your parents might remember. It's something about fight back. Don't let businesses push you around. Speaker UU (00:23:20) - But don't let anyone push you around. Fine, but stand up and hold your ground. I got. Someone tries to you in. Five spot. Just. Speaker 4 (00:23:44) - Oh, jeez. Yeah. Keith Weinhold (00:23:45) - Fight back against guilt tipping, I suppose. See, a few years back, the reason that you began getting asked to leave a tip in places you hadn't before. That's because it was a way for you to provide a gratuity for service workers. Because you were supposed to have appreciated that they showed up during the health crisis when a lot of workers did not want to show up. Keith Weinhold (00:24:09) - But now that the crisis appears largely over with, the tip requests have not gone away. They've gotten worse because by now companies see what they can get away with. Now, look, people don't want to feel like a jerk or a cheapskate. You don't. I don't, but businesses are taking advantage of that fact by making bigger than usual tips. The default option on these payment terminals. It really that's the crux of the annoyance. Say that you're given choices of 20, 25, or 30% on a payment terminal just for someone handing you a pre-made sandwich that's already wrapped in cellophane. I've had it happen to me, and then hoping that you will just go ahead and pay the extra amount, rather than hassling with clicking custom tip and entering a smaller number like 10% or zero. Understand something here. The business call it a sandwich shop. They're not the ones that always decide what tip options you're presented with. Did you know that because the companies that own the payment systems, they can earn a cut of your money from each transaction? Those payment system companies, they also have an incentive to increase those amounts as much as possible, not just the sandwich shop, but they are both complicit in this scheme together. Keith Weinhold (00:25:37) - But now sometimes you get asked to leave a tip beforehand before you're even delivered any good or service. And see, that's getting awkward too. And see the fear of that you and I should have. Now is that in this case, as the customer, as the client, you are going to get punished if you leave a low tip before they deliver the service to you. See, that's another big problem here with guilt tipping. Now, traditionally, tips were thought of as a way to reward good service after you already received what you paid for, right? That's how it works. You pay your server after a meal, you pay your valet. After they bring you your car. You pay the tour guide after your volcano hike or snorkel tour. If you thought that they did a good job. Now, just the other day at a chain fast casual Mexican restaurant that you've certainly heard of, I was being rung up about $35 for two double steak burritos, and there's a lower service level there than a full sit down restaurant. Keith Weinhold (00:26:44) - But I left a 10% tip at the counter on that day. I thought they put lots of steak on them. And then I walked my burritos to the tables and the tables were messy. I could not find a clean table anywhere, but I had already left the tip. It was too late, so I left the tip and then only later did I discover the poor service, the messy tables. Oh gosh, I wasn't going to go back and try to undo the tip, huh? Before I tell you about my elegant solution so that you can forever avoid guilt tipping. So let's understand just where are Americans tipping today? The situations when people add a gratuity. You know, this really offers some insight into the new tipping landscape. And again, this is according to Pew Research for dining at sit down restaurants, 92% of people are tipping there. And of note, a majority said that they would tip 15% or less for an average sit down meal. That kind of surprised me, because etiquette experts say the tipping 20% at a full service restaurant is standard now, and that's what I do. Keith Weinhold (00:27:48) - Okay, getting a haircut 78% of people tip today. Having food delivered 76% for those using a taxi or rideshare service like Uber, 61% of people said that they would tip. I tip for all those things. Buying coffee. Only 25% of people leave tips and eating at fast casual restaurants only 12%. So look, people are upset because we've had years of high consumer price inflation and service inflation on top of that. And then a tip on top of that. Yeah. So it's tip relation on top of inflation. And then there is this preponderance of restaurants especially. It suggests that you tip the post-tax amount. Have you noticed that that means that you're also paying a tip on the tax that you pay? So just pay attention to that next time you're at a sit down, full service restaurant, or really most any other place that suggests a tip amount. And yeah, that's annoying. And I really doubt that that business sends that extra revenue to the IRS where you're paying a tip to the tax amount. Keith Weinhold (00:29:00) - Gosh. But it all comes back to tip and the influx of automatic prompts at businesses like coffee shops, it gives you more chances to tip, and it'll just wear you down and then wear you out, creating this sense of exhaustion thinking what is all this for? It is just wild. If supermarkets are asking you to leave a tip for self checkout, your supermarket wants to outsource their checkout duties from clerks and cashiers to you, asking you to scan your own groceries. By the way, that is an example of service inflation. And then they ask you for a tip. On top of this food inflation and service inflation, you're doing it all yourself. What is next? You're going to have to unload the store's delivery of food from the 18 Wheeler truck in the back, onto a forklift, and onto the shelves yourself. I kind of doubt that. But if grocery stores are convenience stores, self-serve kiosks, if they're requesting tips, then it's more likely that soon enough, your human checkout clerk is going to start requesting tips. Keith Weinhold (00:30:09) - When you're checking out at Whole Foods or Publix or Wegmans or Safeway, that human checkout clerk that's going to appear as some sort of small luxury comparatively. I mean, I would expect that to come to your town next. Expect to see it if you haven't already. There used to be this general understanding of what different tip amounts convey to servers and workers. Now, decades ago, it used to be a 10% tip meant, all right, well, hey, it wasn't horrible, but it wasn't great either. A 15% tip was normal and 20%. That meant that person did an excellent job. But now those amounts have all become expected and they've all been bumped up 5% or more. All right, well, here's my solution to avoid guilt tipping the way to no longer see a digital payment terminal spun around put in your face. Putting you on the spot to make a nice tip is just this two word solution pay cash. Yes, when you pay cash, you don't have to see an electronic payment terminal at all. Keith Weinhold (00:31:18) - And it's far easier for you to ignore a physical tip jar that's sitting on the counter over to the side of you. The elegant and simple solution to guilt tipping is to pay cash. Now go ahead and leave a tip for good service if you want to. I'm not here to suggest that you stop all tipping. It's about how you can make an elegant circumvention of guilt tipping. If you have an eight second long exchange where you ask for a cup of coffee and they turn around and pour it from a spout and hand it to you. And that's all they did. Well, that tips discretionary. The bottom line is that you don't have to tip every time you're prompted. And now go ahead and hit up that ATM with cash. You will be armed and you can avoid guilt tipping completely. And hey, can we say that you will be fighting back like David Horowitz? Tipping is fine, but guilt tipping is out of control. And hey, if you want to see more on guilt tipping, I really brought it to life on a video recently where I really broke it down. Keith Weinhold (00:32:25) - That is on our YouTube channel. We are consistently branded as they say. Our YouTube channel is called get Rich education. So you can watch me talk about guilt tipping and show you more over there. Do you feel like the world that you're living in is increasingly uncertain and unsafe? And is that adversely affecting your investment decisions? That happens to some people and you can't make gains when you stay on the sidelines. I think some people make too much of uncertainty, even though it has always existed. Just look at the last about four years. You know, someone could have said, I am just paralyzed with inaction because of the pandemic. Oh, that's uncertain then the recession fears uncertain, then rising interest rates where they rose fast, uncertain. And today it might be wars uncertain. And you know, the same people that get paralyzed with uncertainty. They will soon say something next year like, well, it's a presidential election year. So. I think uncertainty is going to sideline me again. If you wait for uncertainty to abate, such as you have complete clarity or even great clarity, you're going to be waiting your entire life. Keith Weinhold (00:33:47) - Uncertainty and an absence of complete safety that's existed in the world every single day since the day that you and I were born and before you and I were born. And it will exist after we're gone, too. I mean, really, just look at some of these disasters that have taken place just this century, and we're still in the first quarter of this century. And let's look here at some just in the US, not foreign crises. I'm thinking about the Y2K bug, the September 11th terrorist attacks on the World Trade Towers in the Pentagon, the Iraq war, the invasion into Afghanistan, Hurricane Katrina, where 1800 people were killed, the GREAtrillionECESSION, the Arab Spring, the surprise of Donald Trump becoming our president in 2016. Remember, that was a real upset over Hillary Clinton. How about the jarring events of January 6th of the Capitol less than three years ago, the eviction moratorium, the slow creep of climate change, the riots and civil unrest with the George Floyd protests, the wildflowers from California to Maui. Keith Weinhold (00:35:00) - I mean, I could go on and on about how winners just keep thriving despite a world that's constantly uncertain and unsafe. And I'm only talking about things that involve the United States here, and I'm keeping it confined to this century just a little more than two decades. I mean, before that, we had World wars. We had the Dust Bowl, Cuba's Bay of pigs invasion in the Cuban Missile Crisis that could have led to a nuclear apocalypse that completely destroyed the entire world. There is relative clarity today compared to all that. How about an assassination attempt of our President Reagan? I mean, things are substantially more certain today in a lot of ways. And today, American employment is strong, GDP is growing. Our currency is fairly stable despite our problems, which will always exist. Today, the US economy is outperforming everybody in the world. And in a world that some feel is uncertain and unsafe, just consider the relative sense of certainty and safety you have today. Well, we discuss wars today. As bad as they are when they do happen, they're never on US soil. Keith Weinhold (00:36:13) - Can you imagine an attack on American soil? How would that sound? Like? The enemy has destroyed and taken control of Charleston in Savannah. And next they're moving inland to take down Atlanta. I mean, that's so unlikely that your mind isn't even conditioned to think that way. But the reason that it seems, seems like your world is getting less certain and less safe is because of media. Media is more fractured than it's ever been. It wants your attention. So with more competition with everything from YouTube videos to TikTok clips now competing with legacy media, you get introduced to more fear in order to get your attention. My gosh. I mean, is American life safer than ever? You can make the case that it's become too safe even. I've talked to you before about how things could very well be in safety overboard mode in real estate. Now here we talk about providing clean, safe, affordable and functional housing. But she should need GFCI outlets all over the place in your property, and carbon monoxide detectors and fire rated doors, even when their improvement to your safety is negligible. Keith Weinhold (00:37:32) - American society at large is so ultra safe and in fact, there's even a term for this now it's called safety ism. Yeah, look it up. It's how excessive safety is becoming harmful to society. When you are on your last passenger plane flight at night and you just wanted to take a nice nap, or you wanted to get some sleep, did the pilot come on to the intercom system and wake you up, telling you to sit down and put your seatbelt on every time? Just a small amount of turbulence was being felt. Oh, there are endless instances like that where society's gotten so safe that it's just annoying. The last time that I was shopping at Lowe's, the home improvement store, a forklift driver was slowly driving the aisles really carefully. And besides just the forklift driver sitting on the seat, there was a second man, a flagger, that was out in front of him, walking, holding two little flags. So the shopping customers knew that a forklift. This coming. Like, that's such a wild hazard to human safety. Keith Weinhold (00:38:37) - I mean, gosh, the gross inefficiency of that just to improve safety ever so slightly. Construction workers that have to wear hard hats outdoors in an open field. I mean, our society has become Uber safe. Now, don't get me wrong, some measure of safety is definitely a good thing, but I'm underscoring the fact that historically, this world that you're living in is ultra safe and ultra certain. And then within our investing world, take a look around what can be said to be certain and uncertain. Apple. They're the world's largest company by market cap at about $3 trillion. And their risk is that eventually they might fail to keep innovating. How about Bitcoin? Bitcoin could have government crackdowns or some other lack of certainties, their money in the bank and owning Treasury bonds. All right. That's fairly safe and certain. But you aren't getting any real yield there. And in a world that feels more uncertain and unsafe than it really is, bring it back to the positive attributes of being a real estate investor here. Keith Weinhold (00:39:46) - You know, monetary inflation is a near certainty, and so is the fact that people will pay you rent if you put a roof over their heads. Certainty. It helps to be mindful that safety is the opposite of freedom, and that having security is the opposite of having opportunity. Hey, well, speaking of opportunity, join our investment coach Norris for Grizz Live event that is to night. You can join from the comfort of your own home. You get to select from one of the two options for Florida Income property. You can select either a 5.75% mortgage rate or the 224 program, which means two years of free property management. 2% of the purchase price. In closing cost credit to you and a generous $4,000 lease up fee credit. Sign up. It's free. It's our live event tonight, the 27th at 8:30 p.m. eastern, 530 Pacific. If you're a few days late, be sure to watch the replay soon. email@example.com to have a chance at putting some new Build Florida Income property in your portfolio. Keith Weinhold (00:41:00) - Until next week, I'm your host, Keith Winfield. Don't quit your day dream. Speaker 5 (00:41:08) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get Rich education LLC exclusively. Keith Weinhold (00:41:36) - The preceding program was brought to you by your home for wealth building. Get rich education.
Today's Headlines: A hostage deal, delayed by cross-allegations, successfully unfolded over the weekend. Hamas released 58 hostages, including a 4-year-old American, while Israel released over 100 Palestinians. The truce is set to end today, but extensions could see the daily release of 10 hostages. In the West Bank, two Palestinians accused of collaboration were killed by the Tulkarm Brigades, warning others to come forward by December 5th to avoid a similar fate. The Israeli military remains committed to operations until Hamas is eradicated. In Burlington, Vermont, a potentially hate-motivated shooting occurred, targeting three Palestinian college students who were shot multiple times by an unidentified white male while walking downtown wearing kaffiyehs. The victims, students from Brown University, Haverford College, and Trinity College, had gathered in Burlington to celebrate Thanksgiving and remain in serious condition. The shooter fled the scene, and police are actively investigating. In other news, Congress is gearing up for a vote on the potential expulsion of Representative George Santos, following a scathing House Ethics Committee report revealing his misuse of campaign funds for personal expenses. Additionally, major egg producers were found guilty of conspiring to limit the U.S. egg supply between 2004 and 2008, raising prices, while a far-right party led by Geert Wilders secured a surprising victory in Dutch parliamentary elections. On a lighter note, U.S. consumers set a new online spending record for Black Friday, reaching $9.8 billion, marking a 7.5% increase from the previous year. Resources/Articles mentioned in this episode: WA Post: Hamas releases American girl with 16 others, Biden says Reuters: Palestinian militants in West Bank say two 'collaborators' executed WA Post: Three Palestinian American students injured after Vermont shooting The Guardian: ‘It doesn't look good': George Santos expects to be expelled from Congress AP News: U.S. egg producers conspired to fix prices from 2004 to 2008, a federal jury ruled BBC News: Geert Wilders' victory in Netherlands election spooks Europe Axios: Americans set record online Black Friday spend Morning Announcements is produced by Sami Sage alongside Amanda Duberman and Bridget Schwartz Edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices
TOP NEWS | On today's Daily Signal Top News, we break down: Israel and Hamas extend the cease-fire another two days. Three Palestinian college students were shot in Burlington, Vermont over the weekend. A U.S. ship responds to an attack on an Israeli-linked ship off the coast of Yemen. Two individuals were injured in a shooting in Cleveland at an annual Christmas tree lighting ceremony.Damage to York Public Library following pro-Palestian protests is going to cost New York taxpayers an estimated $75,000. Listen to other podcasts from The Daily Signal: https://www.dailysignal.com/podcasts/Get daily conservative news you can trust from our Morning Bell newsletter: DailySignal.com/morningbellsubscription Listen to more Heritage podcasts: https://www.heritage.org/podcastsSign up for The Agenda newsletter — the lowdown on top issues conservatives need to know about each week: https://www.heritage.org/agenda Hosted on Acast. See acast.com/privacy for more information.
Israel Defense Forces have announced that 11 more hostages have been freed by Hamas terrorists and are on their way back to Israel. All of them are Israelis. The release comes after Israel and Hamas agreed to extend their truce in Gaza by two more days. Meanwhile, the man accused of shooting three Palestinian college students in Burlington, Vermont over the weekend in what Vermont's state attorney called a hateful act has pleaded not guilty and is being held without bond. We'll hear the reaction from the White House on the pause in fighting and this weekend's shooting coming up. The House and Senate are back to work this week. Senate Majority Leader Chuck Schumer said over the weekend that he would like to bring Israel and Ukraine aid packages to the floor as soon as next week. We'll hear from Senator Schumer, Republican leader Mitch McConnell, and House Speaker Mike Johnson about the prospects of that coming up. Learn more about your ad choices. Visit megaphone.fm/adchoices
A western Massachusetts man attempts to break the world record for distance paddled in a pumpkin. Plus, Burlington police arrest a suspect for the shooting of three men of Palestinian descent, reforming Act 250, Montpelier's post office woes, and grants for specialty crop farmers.
It is that time of the year again, but it is not, cause it is Thanksgiving...cause SOMEONE got us lost on the way to the Rutland Vermont Halloween Party. Still, we know why we are all here this year....again. It is all because of Mephisto and his evil ways. So, what madness are we subjected to this year? According to Wikipedia: Rutland is the only city in and the seat of the county of the same name in Vermont, United States. As of the 2020 census, the city had a total population of 15,807. It is located approximately 65 miles (105 km) north of the Massachusetts state line, 35 miles (56 km) west of New Hampshire state line, and 20 miles (32 km) east of the New York state line. Rutland is the third largest city in the state of Vermont after Burlington and South Burlington. They also suffer from the largest deposits of melted man in the United States. According to the United States Census Bureau, the city has a total area of 7.67 square miles (19.9 km2), of which 7.6 square miles (20 km2) is land and 0.04 square miles (0.10 km2), or 0.52%, is water. Rutland is drained by Otter Creek, Moon Brook, Tenney Brook, East Creek and Mussey Brook. There is also a large number of unexplained dimensional portals. The downtown section contains the Rutland Free Library, the Paramount Theater and Merchant's Row, a restored street dating back to the mid-19th century. 108 buildings in downtown Rutland are listed in the National Register of Historic Places. But when the Juggernaut comes to town, statistics change. At the local level, Rutland is governed by a Mayor and Board of Aldermen. For representation in the Vermont House of Representatives, Rutland is split into four districts. In the Vermont Senate, Rutland is represented by three state senators who serve most of Rutland County. The rest of the town is ruled by fear of rampaging monsters. And of course their is the Rutland Halloween Parade has taken place annually since 1960. In the early 1970s, the Rutland Halloween Parade was used as the setting of a number of superhero comic books, including Batman #237, Justice League of America #103, Freedom Fighters #6, Amazing Adventures #16, Avengers #83, and The Mighty Thor #207. The parade celebrated its 50th anniversary in 2009. It brought friends together through fights. So be sure to visit this lovely town, and keep your eyes out for the Beast...he may still be looking for his skin suit. Here are the other shows participating this year: Married with Comics - Avengers #83 Ninjas 'n' Bots - Batman #237 Unpacking the Power of Power Pack - Amazing Adventures #16 The Outcasters - Justice League of America #103 Resurrections An Adam Warlock and Thanos Podcast - Thor #207 Coffee & Comics - Generation X #22 We also have some merchandise over at Redbubble. We have a couple of nifty shirts for sale. https://www.redbubble.com/people/jeffrickpresent/?asc=u You can also subscribe and listen to us on YouTube! Our show supports the Hero Initiative, Helping Comic Creators in Need. http://www.heroinitiative.org/ Eighties Action by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/3703-eighties-action License: http://creativecommons.org/licenses/by/4.0/ Music: Plucky Daisy by Kevin MacLeod Free download: https://filmmusic.io/song/4226-plucky-daisy Licensed under CC BY 4.0: https://filmmusic.io/standard-license
As senior vice president of leadership and organizational development, DEI and community impact for Burlington Stores Inc., Mecca Mitchell leads efforts to create supportive and equitable institutional structures, foster welcoming and inclusive environments that promote growth and development, and cultivate a culture that leverages diversity, inclusion and equity best practices to drive business objectives, while responding to the diverse needs of its workforce, its customers, and the community. On today's episode, we're talking to Mecca about her unconventional career journey and leading with passion and authenticity. Learn more at retailgetsreal.com.
A listen back to a show from June with millennial career-shifters, including a career coach in Burlington, a Ripton musician, and a cartoonist with a book called No One Wants to Work Anymore.
In this episode, “Above it All” Senior Pilot Pete Wiffspoon talks transporting famous people and illicit animals all over the globe, as well as his neti addiction and unlicensed hair cutting business. Plus, Susan Runts, the Corporate Entertainment Facilitator from “FunLoad, Ltd.” tells us how she creates specialized activities at corporate retreats designed to cull the weak employees from the herd. CLICK HERE to view a video version of this podcast on YouTube! SUPPORT THIS PODCAST ON PATREON:http://patreon.com/corporationsarepeopletoo ABOUT THE PERFORMERS Ray Harrington (Pete Wiffspoon) is a standup comedian, filmmaker and podcaster; he has appeared on Conan, the Edinburgh Fringe, and Sirius XM. Check out his podcast, Funbearable. Brit Flynn (Susan Runts) is an improv comedian based in Burlington, Vermont who can often be seen on shows at Vermont Comedy Club and elsewhere in the area. Nathan Hartswick (Dean Ardenfell) is a comedy performer, teacher, and the co-owner of Vermont Comedy Club in Burlington, VT. This podcast was produced and edited by Sam Kurnit and Nathan Hartswick, with marketing assistance by Adison Eyring, and studio space provided by Local Maverick. ABOUT THE PODCAST Corporations Are People Too is a podcast hosted by Dean Ardenfell (Nathan Hartswick), a superfan of the global corporation “Hogswood Cooper Media.” Each episode, Dean interviews folks who work for the many different subsidiaries of Hogswood Cooper.* * This podcast is improvised satire, “Hogswood Cooper Media” is fictitious, and the “employees“ are comedians. But don't tell Dean. SUBSCRIBE TO THE PODCAST ON: >> Apple Podcasts Spotify
Alicia Taylor and Joanna Alpizar met at a pop-up roller-skating event in Burlington. The two BIPOC women became fast friends and are now on a mission to create a public, welcoming, year-round space for roller-skating in the Burlington, Vermont area. In this podcast episode of Happy Vermont, Alicia and Joanna talk about the joy of roller-skating, the history of roller-skating, and creating a welcoming skating space for the community. Read the story here on HappyVermont.com. Support Happy Vermont on Patreon.