Podcasts about Cape

Looking at waxwings and eiders to find their unusual relatives among the flocks.

Graeme Raubenheimer speaks to Belinda Abrahams, spokesperson for the Cape of Good Hope SPCA, who says fireworks are far from harmless entertainment. She explains that inspectors routinely respond to frantic calls involving animals wedged into bathrooms, jumping through windows or suffering fatal injuries after panic-induced escape attempts. In some cases, criminal charges relating to animal abuse may be pursued when fireworks place animals at risk. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

The Space Show Presents Tom Olson, Sunday, 12-28-25.Quick Summary:Our program focused on reviewing key space industry developments and trends in 2025, with Tom Olson leading a discussion on global launch statistics, commercial space progress, and future outlooks. The group examined SpaceX's dominance in launches, China's growing space capabilities, and the status of NASA's Artemis program, while also discussing emerging technologies like space-based data centers and AI computing. The conversation covered space debris concerns, the potential for nuclear power in space, and the future of human spaceflight, including the upcoming retirement of the ISS in 2030. The participants also touched on the commercialization of space resources, property rights discussions, and the increasing investment in space startups, with particular attention to Starlink's market expansion and its $80/month pricing in the US market.Detailed Summary:Tom and I discussed our plan for this year-end show, covering topics such as global launch, SpaceX Starship, and future policy ideas. Before moving on, I reminded listeners about the upcoming open line discussion on Tuesday, the last program of 2025 for The Space Show, with my making our Zoom program an open invitation program with the requirements of civility, no eating on camera, no name calling, no shouting and talking over people. Otherwise, even if you disagree with what is being said, be civil about it as you let us know your thoughts on the topic.Tom discussed upcoming events, including Starship's launch and a trip to India. He also shared details about his radio show and podcast, “The Unknown Quantity,” which focuses on the intersection of space and money. He highlighted the rapid growth of the space industry and his involvement in various events, including a pitch competition for young entrepreneurs and a panel discussion on lunar space economy. Tom expressed enthusiasm for these opportunities to engage with the space community and influence future developments.Our Wisdom Team brought up property rights in space, particularly regarding the moon, and the potential for helium-3 mining for quantum computing. Tom shared insights from a recent discussion with government officials about lunar economy development. The conversation touched on the Outer Space Treaty's limitations and the potential for private sector claims. Marshall raised questions about claim jumping and enforcement, while China's potential role in lunar development and the need for quick U.S. presence to establish dominance was highlighted. This part of our discussion concluded with a brief mention of 3D mapping technology's potential to resolve border disputes diplomatically.Tom reported that global launches in 2023 set a record with 328 launches, with the U.S. leading at 198 launches and only 4 failures, followed by China with 91 launches and 3 failures. He noted that SpaceX dominated U.S. launches with 150 flights, while Russia had 17 successful launches. Tom also discussed SpaceX's progress with Starship, including two successful test flights and plans for six Block 3 launches starting in late January, aiming to reach low Earth orbit and demonstrate refueling. As a group we briefly touched on Blue Origin's development of the Blue Moon lander and Rocket Lab's plans to launch from Wallops, with Thomas mentioning that SpaceX has received permission to launch from the Cape, potentially as early as late next year.Tom and David discussed the regulatory environment for space launches, noting that while intentions are good, legal challenges have slowed progress. They debated the future of NASA's Artemis program, with Tom suggesting that Artemis III will reach the moon before China but may be unsustainable at its current cost. The conversation also touched on commercial space activities, including Russia's recent launch facility accident and the status of the Starliner spacecraft after a long-duration mission.The group discussed the status of the Gateway project, which ESA and the EU have decided to build independently, taking it off NASA's hands. Tom said that European countries will continue to build components for Gateway, but now ESA will own and operate it. The discussion also touched on the increasing investment in space operations, with our guest mentioning that $3.5 billion in new money had been put into space operations by the end of Q3. Joe noted that Voyager, a space station company, has a European footprint through its partnership with Airbus. The conversation concluded with a brief discussion about space solar power, with Thomas expressing skepticism about its current feasibility due to challenges in power transmission.The group discussed several space-related topics, including a new startup using near-infrared light for energy transfer and the status of space solar power projects. Tom expressed skepticism about space solar power's feasibility, while also advocating for thorium reactors as a potential solution. The conversation touched on space debris concerns and the development of Starlink satellites. Tom shared insights on his company Avealto's plans to address the digital divide by building high-altitude platforms to provide affordable internet access in developing countries.The group discussed Starlink's pricing and availability, with David noting its $80/month offer in the US, while Tom mentioned plans for testing in Malaysia by year-end. Joe shared his experience with Starlink, paying $120 monthly for 200 Mbps download speed. The conversation then shifted to astronomy and space science updates, including the discovery of 6,000 extrasolar planets, new analyses of TRAPPIST-1E, and the first images from the Vera Rubin Observatory. Tom and John Jossy discussed upcoming developments in dark energy research and potential discoveries about dark matter. The conversation ended with a discussion about future trends in space exploration, with Tom predicting increased focus on AI and space-based data centers.The Wisdom Team discussed the feasibility and challenges of AI data centers in space, with Joe presenting an economic analysis suggesting it would cost three times as much as building data centers in Oregon. They explored the technical aspects, including latency concerns and the potential for clusters of satellites in sun-synchronous orbit. The conversation also touched on the future of the ISS, with concerns about maintaining research capabilities after 2030 and the potential for private sector involvement. Tom mentioned his organization, Center for Space Commerce, planning a Space Investment Summit in Turkey next year. John Jossy shared information about Rendezvous Robotics, a company working on space infrastructure, and their partnership with StarCloud for orbital data centers. David noted the absence of discussion on fusion energy, a topic he intended to address.The group discussed fusion energy, with Thomas expressing skepticism about its timeline and Jossy mentioning Microsoft's partnership with a fusion startup aiming for data centers by 2028. They also discussed nuclear power plants, including Microsoft's plans for Three Mile Island and the status of Diablo Canyon in California. Tom announced he would be running a business track and panel at the upcoming ISDC conference in McLean, Virginia. The conversation concluded with a discussion about the rapid development of AI processors and the need for new data center buildings in the coming years.Special thanks to our sponsors:Northrup Grumman, American Institute of Aeronautics and Astronautics, Helix Space in Luxembourg, Celestis Memorial Spaceflights, Astrox Corporation, Dr. Haym Benaroya of Rutgers University, The Space Settlement Progress Blog by John Jossy, The Atlantis Project, and Artless EntertainmentOur Toll Free Line for Live Broadcasts: 1-866-687-7223 (Not in service at this time)For real time program participation, email Dr. Space at: drspace@thespaceshow.com for instructions and access.The Space Show is a non-profit 501C3 through its parent, One Giant Leap Foundation, Inc. To donate via Pay Pal, use:To donate with Zelle, use the email address: david@onegiantleapfoundation.org.If you prefer donating with a check, please make the check payable to One Giant Leap Foundation and mail to:One Giant Leap Foundation, 11035 Lavender Hill Drive Ste. 160-306 Las Vegas, NV 89135Upcoming Programs:Broadcast 4480: Zoom Open Lines Discussion For All | Tuesday 30 Dec 2025 700PM PTGuests: Dr. David LivingstonZoom: Open Lines. Come One Come AllBroadcast 4481: Zoom from India with JATAN MEHTA | Friday 02 Jan 2026 930AM PTGuests: Jatan MehtaZoom: Happy New Year from India with guest JATAN MEHTABroadcast 4482: Zoom: Open Lines to kick of 2026 | Sunday 04 Jan 2026 1200PM PTGuests: Dr. David LivingstonZoom: Open Lines to start the New Year Get full access to The Space Show-One Giant Leap Foundation at doctorspace.substack.com/subscribe

Graeme Raubenheimer speaks to Monique Ruthenberg, Conservation Manager at the Cederberg Nature Reserve, about the current situation on the ground, the environmental toll of the blaze, and what the recovery process will look like in the weeks and months ahead. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk See omnystudio.com/listener for privacy information.

Late nights, second phones, and responding to crisis after crisis can add up over time, even for the greatest heroes. Much like Captain America and Rupert Giles, higher education professionals are rethinking their career paths, roles on campus, and pivoting to focus on self-care while still finding ways to impact students. Moderated by Dr. Glenn DeGuzman (UC Berkeley), and featuring Dr. Martha Enciso (University of Redlands), Dr. Sofia B. Pertuz (Mainstream Insight, LLC), Dr. Emily Sandoval (University of Southern California), and Brian MacDonald (UCLA). The post Hanging up the Cape (for now) appeared first on Student Affairs NOW.

John Maytham is joined by Danny Dilberto, CEO of Ladles of Love, to unpack how the organisation is giving back this Christmas, and why sustained support beyond the festive season is critical. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

We began the program with four interesting guests on topics we think you should know more about!Adrian Oomer began giving to the Homeless Prevention Council in 2022, when he was in second grade, after learning there were people on the Cape in danger of losing their homes. Now, in grade 5, at age 10, he’s running a pop-up kitchen (Loco Dos) where customers can pre-order meals to support the Cape’s homeless.Guest: Adrian Oomer, a fifth grader from Brewster, MA, who was named the “Philanthropist of the Year” by the Philanthropy Partners of the Cape and Islands By now, most of your holiday shopping should be done….whew! But truthfully, that’s the least of your worries! Come January, the harsh reality of all that spending will kick in. Are you prepared to pay for it all? Some shoppers are still paying off debt from the 2024 holiday season! Sara’s here to help!Guest: Sara Rathner, Credit Card Expert and Senior Writer for NerdWallet Parkinson’s disease is now growing as a neurodegenerative disease faster than Alzheimer’s disease. Although Parkinson’s is on the rise, there are ways to reduce your risk of developing it.Guest: Dr. Ray Dorsey, Director of the Center for the Brain & the Environment at the Atria Health and Research Institute If your wallet feels thinner this year from all the holiday shopping, you may want to point the finger at A.I. Artificial Intelligence powered cyberattacks hit more than 80% of small businesses this year, and that cost is being passed on to you (the consumer)!Guest: James Lee, President of the Identity Theft Resource Center See omnystudio.com/listener for privacy information.

Here's a little glimpse of what Christmas was like in Sutherland Springs in 1899. According to his 1898-1900 Journal, on Dec 5, 1899, Jesse Tiner sent a .95 money order to Sears and Roebuck “for cape for our daughter Frances I want to try and get it in for Christmas holidays.” I hope Frances got it in time for Christmas. Susan Frances Tiner would have been 14 years old that year. The cape described as Model 17T406 in the Sears & Roebuck Catalogue cost .95. Perhaps this was the cape he ordered. On Dec. 27, Jesse Tiner recorded that his...Article Link

Avatar: Fire and Ash is off to a good start at the box office, Kate Winslet talks about how she dealt with Titanic fame and Patrick Mahomes gifted his Kansas City Chiefs offensive linemen some great Christmas gifts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

December in South Africa does not whisper in with cold nights and frosted windows. It arrives with heat, long afternoons, and bright skies that can still be blue well into the evening. In many homes, Christmas planning is not about keeping warm. It is about finding shade, keeping food cool, and deciding whether the family gathering will happen inside, outside, or both. The season is still Christmas, centered on the birth of Jesus Christ for many believers, but the setting changes how the day feels. South Africa is also a country of many cultures, languages, and church traditions. That means Christmas is not identical from one home to the next. Some families place church worship at the center of the day. Some treat Christmas mainly as a family and community holiday. Many do both. The shared thread is that Christmas remains a major moment on the calendar, and for many Christians, it is a time to hear the Nativity story again, sing carols, and give thanks for Christ's coming into the world. To understand Christmas in South Africa, it helps to look at the country's history and how Christianity grew across different communities. The earliest European settlement at the Cape began under the Dutch in the 1600s. The Dutch East India Company established a refreshment station at what is now Cape Town, and Dutch Reformed church life became part of that early colonial society. As settlement expanded, Christian worship was tied to the structures and priorities of colonial life. Churches were built, sermons were preached, and the church calendar became part of community timekeeping for many settlers... Podcast Notes: https://ancestralfindings.com/christmas-traditions-in-south-africa/ Ancestral Findings Podcast: https://ancestralfindings.com/podcast This Week's Free Genealogy Lookups: https://ancestralfindings.com/lookups Genealogy Giveaway: https://ancestralfindings.com/giveaway Genealogy eBooks: https://ancestralfindings.com/ebooks Follow Along: https://www.facebook.com/AncestralFindings https://www.instagram.com/ancestralfindings https://www.youtube.com/ancestralfindings Support Ancestral Findings: https://ancestralfindings.com/support https://ancestralfindings.com/paypal  #Genealogy #AncestralFindings #GenealogyClips

Text: Matthew 1:18-25On this, the fourth Sunday of Advent, we hear the beginning of Matthew’s account of Jesus’ birth. The story is meant to tie Jesus, the Messiah, to the promise for all of God’s people, to the prophecy of God’s redemption and the peace and love to be found in Him. Knowing God happens…

Anne Ghesquière reçoit Jeanne Siaud Facchin, psychologue, psychothérapeute, auteure et fondatrice des centres de psychologie intégrative Cogito'z. D'où viennent nos blessures les plus profondes ? Pourquoi certaines douleurs se taisent alors que d'autres s'expriment à travers nos émotions, nos pensées ou même notre corps ? Peut-on vraiment échapper aux traces laissées par l'enfance ? Comment reconnaître ces « psycatrices » qui nous habitent, les apprivoiser, les consoler, et enfin les laisser guérir ? Le corps sait-il avant nous ce qui cherche à se dire ? Et comment retrouver l'espérance quand tout semble figé, étouffé ou trop lourd ? Jeanne Siaud-Facchin nous propose un voyage poétique au cœur de nos ressentis et de notre histoire, en faisant un cheminement intime pour une profonde guérison et un retour à la lumière. [SÉLECTION WEEK-END – METAMORPHOSE] Cet épisode a été diffusé, la première fois, le 20 juillet 2023.Quelques citations du podcast avec Jeanne Siaud Facchin :"Le passé nous construit mais nous ne définit pas.""On a tous une soif profonde de cet amour qui nous fait vivre, de sentir qu'on fait partie de cette Vie, de ce grand Tout, de ce grand Lien.""À force de vouloir tout maitriser, tout contrôler, on passe à côté de la vie."Recevez chaque semaine l'inspirante newsletter Métamorphose par Anne GhesquièreDécouvrez Objectif Métamorphose, notre programme en 12 étapes pour partir à la rencontre de soi-même.Suivez nos RS : Insta, Facebook & TikTokAbonnez-vous sur Apple Podcast / Spotify / Deezer / CastBox / YoutubeSoutenez Métamorphose en rejoignant la Tribu MétamorphoseThèmes abordés lors du podcast avec Jeanne Siaud Facchin : 00:00Introduction02:00Présentation invité06:05A-t-on tous des psychiatrices ?10:51Se libérer de nos masques15:44Se réconcilier avec notre corps20:58Les 4 piliers CAPE pour guérir23:35Consolation et lien26:30La puissance du toucher30:33"gri-gri" et ancrage33:35Bercement et émotions40:51Le shoot du rire44:46Abandonner la lutte48:44Aller au bout de son chagrin54:15Le réconfort de la nostalgie douce56:09La mécanique du pardon01:00:43Se libérer du lien de souffrance01:05:02Espérance et élan de vieAvant-propos et précautions à l'écoute du podcast DR Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

2025 was a wild year for the U.S. economy. Tariffs transformed the global economy, consumer sentiment hit near-historic lows, and the stock market hit scary, spooky, blood-curdling new heights! So … which of these economic stories defined the year? Our hosts from Planet Money and The Indicator duke it out during our annual … Family Feud!Tell us who you think has THE indicator of the year by emailing us at indicator@npr.org. Put “Family Feud” in the subject line. Related episodes:The Indicators of this year and next This indicator hasn't flashed this red since the dot-com bubble What would it mean to actually refund the tariffs?For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Corey Bridges. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

For decades, the 60/40 portfolio—stocks and bonds—served as the foundation of balanced investing. Lance Roberts and Michael Lebowitz examine the growing global forces reshaping markets. While Wall Street has remained fixated on AI hyperscalers, major developments abroad are increasingly driving returns and risk. 0:00 - INTRO 0:19 - Inflation Report Preview - Where's the Fed's Soft Landing? 3:05 - Markets working Through the Chop 9:56 - Top 10 Christmas Movies 13:24 - Inflation Expectations (Preview) 14:35 - The Fed Ends QT 20:35 - JP Morgan's Liquidity Crunch 22:53 - Is the Economy Slowing More than They Think? 24:03 - Is the 60/40 Portfolio Model Dead? 26:07 - CAPE-10 Predictions 27:05 - The All-weather Portfolio - Why to Own Bonds 31:31 - Double Digit Environment is Unsustainable 32:33 - How Are Bonds Not Safe?? 34:42 - BitCoin Does Not Belong in Your "Safe" Bucket 37:29 - Safe Money Bucket Composition 42:43 - Why Central Banks Hold Gold 48:15 - Bonds vs Real Estate 51:23 - Diversification Matters 52:01 - A note about REIT's Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=5XBlkxO7lfI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Markets Oversold After Key Support Break," is here: https://www.youtube.com/watch?v=_ITeHTYtt1Q&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Q&A Wednesday: Live Market Questions & Investor Insights," here: https://www.youtube.com/watch?v=yJV-vnHx4Eg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #TechnicalAnalysis #OversoldMarkets #PortfolioManagement #SectorRotation #GlobalMarkets #PortfolioRisk #AssetAllocation #BondMarkets #MacroOutlook

For decades, the 60/40 portfolio—stocks and bonds—served as the foundation of balanced investing. Lance Roberts and Michael Lebowitz examine the growing global forces reshaping markets. While Wall Street has remained fixated on AI hyperscalers, major developments abroad are increasingly driving returns and risk. 0:00 - INTRO 0:19 - Inflation Report Preview - Where's the Fed's Soft Landing? 3:05 - Markets working Through the Chop 9:56 - Top 10 Christmas Movies 13:24 - Inflation Expectations (Preview) 14:35 - The Fed Ends QT 20:35 - JP Morgan's Liquidity Crunch 22:53 - Is the Economy Slowing More than They Think? 24:03 - Is the 60/40 Portfolio Model Dead? 26:07 - CAPE-10 Predictions 27:05 - The All-weather Portfolio - Why to Own Bonds 31:31 - Double Digit Environment is Unsustainable 32:33 - How Are Bonds Not Safe?? 34:42 - BitCoin Does Not Belong in Your "Safe" Bucket 37:29 - Safe Money Bucket Composition 42:43 - Why Central Banks Hold Gold 48:15 - Bonds vs Real Estate 51:23 - Diversification Matters 52:01 - A note about REIT's Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=5XBlkxO7lfI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Markets Oversold After Key Support Break," is here: https://www.youtube.com/watch?v=_ITeHTYtt1Q&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Q&A Wednesday: Live Market Questions & Investor Insights," here: https://www.youtube.com/watch?v=yJV-vnHx4Eg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #TechnicalAnalysis #OversoldMarkets #PortfolioManagement #SectorRotation #GlobalMarkets #PortfolioRisk #AssetAllocation #BondMarkets #MacroOutlook

#196 - What does it really take to walk away from a peak career, point your bow into headwinds, and chase a goal so big it scares you? I sat down with Malaysian sailor Fabian Fernandez, who circumnavigated the globe on his own terms—eschewing the easy “milk run” to round the Cape of Good Hope and steer straight into the kind of weather that makes legends and humbles egos.Fabian's story isn't a montage of perfect beaches. It's a masterclass in planning, patience, and purpose. He breaks down how years of engineering and manufacturing shaped his voyage like a mega-project: route windows, finances, maintenance, and timing all choreographed to create momentum without gambling safety. He shares why he stopped often, how he used seasons to his advantage, and why the planning was harder than the sailing. You'll hear a frank take on destinations—why French Polynesia felt overrated, why the Cook Islands and South Africa stole his heart, and why he scouted the Beagle Channel only to choose the Panama Canal after weighing joy against endurance in subpolar cold.At the core is a spiritual journey. Thirty-two days alone across the Pacific stripped away the “white noise” of modern life and surfaced a simple truth: meaning grows when you give back. Fabian talks about faith, the courage to quit a prescribed path, and the cruising community's radical kindness that ignores borders, race, and creed. He also honors the ocean's cost, recounting the loss of a careful solo sailor friend—a reminder that respect and preparation are nonnegotiable.We wrap with what comes next: talks on mental resilience, a short documentary, and a book that reframes adventure as an inner stretch, not a postcard. If you need a push to set your own big, hairy, audacious goal—and the practical playbook to make it real—this conversation will nudge you from someday to start. Subscribe, leave a review, and share this with someone who's ready to trade comfort for courage.To learn more about Fabian check out his website www.destinydawnsailing.com and give him a follow on Instagram @destinytwelve.Be sure and check out my Instagram for clips from the show and some snippets into my personal journey @journeywithjakepodcast. Want to be a guest on Journey with Jake? Send me a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/journeywithjake Visit LandPirate.com to get your gear that has you, the adventurer, in mind. Use the code "Journey with Jake" to get an additional 15% off at check out. Visit geneticinsights.co and use the code "DISCOVER25" to enjoy a sweet 25% off your first purchase.

Why Most Preppers Are Already CompromisedYour Phone is tracking you! Your bugout route, your fallback plan, your “off grid” strategy… they might already be exposed.In this episode, Survival Summit goes deep into a vulnerability nearly every prepper overlooks… the phone in your pocket.You'll discover:• How your phone's IMSI silently logs your movement every time it connects to a tower• Why repeated training trips, bugout runs, and group meetups create patterns• The real risk of being mapped, even if you never post or use social media• Stories that reveal how ordinary routines become digital fingerprints• What you can do today to break your digital trailFeatured tool in this episode:Cape: a privacy-first mobile carrier that helps break tracking patterns with daily IMSI rotation. Sponsored by Cape. Survival Summit makes ZERO commissions when you sign up for or use their service, but we did recently secure a coupon code for our followers. Use coupon code: SURVIVALSUMMIT33➡️ Learn more: https://www.cape.co/?utm_source=creators&utm_platform=platform&utm_campaign=thesurvivalsummit2If you carry a phone, this episode is a survival lesson you can't afford to skip.#DigitalPrivacy #IMSI #MobileSecurity #PhoneTracking #DataSurveillance #PrivacyMatters #TrackProof #Preppers #SurvivalCommunity #LowProfileLife #GreyMan #BugOutReady #StayHidden #PreparedLiving #ModernPrepper #PrivacyAwareness #ThreatModeling #ProtectYourself #StaySafeOnline

Let's open the listener mailbag.To get into all of your questions, Ben and Carlos shake up the Future Projection formula and give you a 30-minute episode exclusively with listener questions. Where would Roch Cholowsky slot onto the top 100 prospects list right now? Who are our favorite pure hitters in the 2026 class? What do we think about Texas catcher Carson Tinney and his summer struggles? And will the Braves take a pair of high school pitchers in 2026? If you have questions of your own, send them to us with the contact info below.—Time Stamps:(0:30) Where would Roch Cholowsky rank on the top 100?(9:00) Who are our favorite technicians at the plate in the 2026 class?(18:00) What do we think about Carson Tinney's poor production in the Cape?(21:00) Will the Braves take two high school arms?Do you have feedback for the show or want to ask us a question? Email us: futureprojection@baseballamerica.com.Ben's Twitter: @BenBadlerCarlos's Newsletter: Fringe AverageBaseball America WebsiteSupport this podcast at — https://redcircle.com/future-projection-a-baseball-america-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

The guys discuss if they believe Lamar Jackson is ready to carry this team on a strong run to the playoffs.

Join Field Ethos founder and CEO Jason Vincent and Baker Leavitt for an unfiltered conversation through the world of modern adventure hunting. From the raw instinct of staying calm when a plane is crashing to stalking Cape buffalo and elephants in Southern Africa, tracking lions with local hunters, dodging venomous snakes, and navigating Australia's elusive dangerous game under strict gun laws—this episode is packed with real stories from the edge.   The conversation flows from spearfishing and lobstering in crystal waters to calling elk in the American West, tasting hippo steaks washed down with African beer, and debating the finest wild-game meats on the planet. Gearheads will love the deep dive into hand-built custom rifles, Q's groundbreaking designs, and SIG Sauer's latest innovations. At its core, this nearly two-hour episode is a passionate manifesto for bringing hunting back to its roots: true adventure, ethical harvest, conservation through utilization, and the unapologetic pursuit of wild places and wild game. It's also the origin story of Field Ethos Journal—how two hunters set out to build the most trusted, credible, and beautifully crafted hunting media brand from day one. TOPICS COVERED: ● Hunting in Africa ● Bringing Hunting Back to Adventure ● Founding Field Ethos and Using Journals to Spark Interest in Adventure

Ma$e, Cam'ron & Treasure "Stat Baby" Wilson are back with another one!! ***NEW MERCH*** https://www.itiswhatitismerch.com Please rate, review, and follow the podcast for more content.  Sign up with promo code IIWII and play $5 to get $75 in bonus funds: https://play.underdogfantasy.com/p-itiswhatitis #UDpartner Follow the show and our hosts on social media: ⁠It Is What It Is⁠, ⁠Cam'Ron⁠, ⁠Ma$e⁠, and ⁠Treasure "Stat Baby" Wilson⁠ , ⁠Producer Ayooo Nick⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The U.S. House of Representatives considers H.R.2815, the Cape Fox Land Entitlement Finalization Act of 2025, on December 15, 2025. The bill finalizes the  Cape Fox Corporation's land selection in Alaska. The village corporation has been entitled to the land following the passage of the  Alaska Native Claim Settlement Act in 1971. The land selection consists of approximately 180 acres. The land will support the corporation, which serves the Organized Village of Saxman, a federally recognized tribe. Following consideration, the House approved H.R.2815 under a suspension of the rules.

An airhacks.fm conversation with Ales Justin (@alesj) about: Early computing experiences with spectrum 48ZX and game development in Yugoslavia, progression from Basic to Pascal to C/C++ and eventually Java, mathematics education and its application to programming, working on energy consumption analysis applications for Slovenian companies, transitioning from a big IT company to a startup focusing on energy sector software, implementing Spring deployer for JBoss and contributing to open source, joining JBoss/Red Hat after impressing Bill Burke and Mark Fleury with Spring-JBoss integration, working on JBoss microcontainer with Adrian Brock and emphasis on precise testing, development of CapeDwarf as a JBoss implementation of Google App Engine APIs, collaboration with Google on TCK (Technology Compatibility Kit) development, solving concurrency bugs for a billion-dollar kitten app company using Cape Dwarf clustering, transition to cloud technologies with kubernetes and openshift integration, brief departure to work on cryptocurrency exchange using Spring Boot and Kafka, experiencing and solving Kafka / Strimzi issues on Google Cloud Platform, returning to Red Hat to work on Strimzi and eventually quarkus, focus on runtime systems and reactive programming with grpc and observability, importance of open source contribution and community engagement, evolution from monolithic application servers to cloud-native microservices architecture Ales Justin on twitter: @alesj

Aubrey Masango speaks to Susan Wishart, Project Manager at the Cape Parrots Project, about the Wild Bird Trust's groundbreaking conservation efforts. The initiative is working to restore South Africa's endangered Afromontane forests, aiming to protect the Cape Parrot, which is the country's only endemic parrot, with fewer than 2 000 left in the wild. Tags: 702, Aubrey Masango show, Aubrey Masango, Bra Aubrey, Susan Wishart, Cape Parrots Project, Wild Bird Trust, Afromontane forests, Cape Parrot, Endangered species The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Travis Shettel returns to the podcast for the SIXTH time. We discuss touring (past & present), holiday shows that are happening this week, the vinyl repress of "If It Weren't For Venetian Blinds, It Would Be Curtains For Us All", the new Piebald record, "Tales For The Rages" which comes out in 2026, and more.Travis Shettel links & socials:​Instagram: @totallytravis​⁠⁠⁠⁠www.instagram.com/totallytravis​Piebald Instagram: @piebald​⁠⁠ ⁠www.instagram.com/piebald

Send us a textHere's the story of a first-generation Chinese American filmmaker whose roots in Alhambra and the San Gabriel Valley shape every frame she makes. With a psychology degree from UCLA and a name honoring her parents' immigration lawyer, she crafts grounded family dramas with a hint of fantasy—stories of resilience, friendship, and hope drawn from the immigrant communities she grew up around.She's directed 13 short films and contributed to more than 30 film and video projects with companies like CBS, HBO, and Disney. Along the way she earned recognition in industry pipelines and competitions, including the CBS Leadership Pipeline Challenge and the 2023 CAPE Julia S. Gouw Short Film Challenge (presented by the Coalition of Asian Pacifics in Entertainment and Janet Yang Productions).In this episode, we dig into process and pathway: moving from idea to script to screen, casting authentically, building a crew, and translating lived experience into universal cinema. We talk festivals and funding, pitching and partnerships, and how a filmmaker balances creative voice with the practical realities of producing in Los Angeles and the SGV.If you care about Asian American stories, indie filmmaking, or turning personal history into powerful narrative, this conversation is for you. Keywords: Chinese American filmmaker, San Gabriel Valley, Alhambra, UCLA, independent film, short films, women in film, Asian American stories, CAPE, CBS Leadership Pipeline, representation, immigrant family drama, Los Angeles filmmaking.__________Music CreditsIntroEuphoria in the San Gabriel Valley, Yone OGStingerScarlet Fire (Sting), Otis McDonald, YouTube Audio LibraryOutroEuphoria in the San Gabriel Valley, Yone OG__________________My SGV Podcast:Website: www.mysgv.netNewsletter: Beyond the MicPatreon: MySGV Podcastinfo@sgvmasterkey.com

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 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  1-937-795-8989 to speak with a freedom coach 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 or text 'GRE' to 66866 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, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   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  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Send us a textMissouri Hunting Heritage Federation:https://www.mhhf.us/To follow American Roots Outdoors Podcast:https://www.facebook.com/groups/448812356525413To learn more about American Roots Outdoors:https://americanrootsoutdoors.com/https://www.facebook.com/AmericanRootsOutdoors/To follow Alex Rutledge:https://www.facebook.com/americanrootsalex/To follow Wayne Lach:https://www.facebook.com/wayne.lach.5To follow Mike Crase:https://www.facebook.com/mike.crase

Clement Manyathela speaks to Zolani Mkiva, who is the Chief executive officer of the Xhosa royal council and secretary general of CONTRALESA to better understand the Cape frontier wars and how they shaped history for Xhosa people. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

The party continues their research into the Mineralus Flower and say farewell to a friend Want more world details? Check out our World Anvil page! https://www.worldanvil.com/w/senta-lelandsteel Like our Stuff? Let us know on social media! Connect with us: Twitter: @IncorrigiblePar Instagram: instagram.com/incorrigibleparty Facebook: facebook.com/groups/theincorrigiblepartypodcast/ Website: http://incorrigibleparty.com/ Youtube: The Incorrigible Party YT Twtich: https://www.twitch.tv/incorrigibleparty Support us and get exclusive mini campaign content! https://www.patreon.com/incorrigibleparty Music by Tabletopaudio.com and Sorastro Music The Incorrigible Party podcast is sponsored by the amazing and very generous Critical Hit Design!

Tim Kloeck, founder of the Houghton-headquartered luxury residential developer, says while his group is expanding to the Cape, ‘Joburg has always been the commercial heartbeat of the country'. With increased positivity in the market, Tricolt is betting big on Gauteng. Podcast series on Moneyweb

Pam Rivet is an empowerment speaker, podcast host, and founder of MBS | The Woman Beyond The Cape, a faith-based lifestyle brand dedicated to helping women discover their authentic identity. From teen mom to top-producing banker to keynote speaker, Pam's journey proves that your greatest struggles become your most powerful tools for serving others. After hitting rock bottom in August 2022, a moment that included drunk driving with her kids, Pam experienced a complete identity transformation that became the foundation of her speaking career. Now 20 months sober and walking boldly in her faith, Pam delivers her signature keynote “Beyond The Cape: Your Identity is Calling” to audiences across the country. Her mission? Help people recognize the patterns of perfectionism, people-pleasing, and performance-based living before they crash, removing the ‘capes' they were never meant to carry and stepping into who God created them to be. Pam is a wife, mother of three daughters, bonus mom to three, and grandmother to two. She currently lives with her family and speaks from her heart about the transformation that happens when you finally stop performing and start living authentically.Connect with Pam here!

Welcome to Monsters on the Edge, a show exploring creatures at the edge of our reality in forests, cities, skies, and waters. We examine these creatures and talk to the researchers studying them.Mike Scott, is a 60 year old high school teacher/coach/ and athletic director in Southeast Missouri. His initial interest in Bigfoot began when he was 12 when he checked out a book from the library on the subject. But all that was put on the back burner for years until the interest was resurrected with the cable TV shows popping up about 15 or so years ago.He thought the shows were interesting, and did a little research on the subject at that time which led him to the BFRO website and database. With Missouri being listed a number of times, his interest peaked some more. But it wasn't until 2019 when he discovered a track way of footprints about 20 miles from his home in Cape Girardeau. At that point he was hooked and has conducted field work since, learning more and more each time he goes out.He and his wife of 36 years have raised an athletic family as they have two grown kids now, a daughter (33) and a son (31), both had successful athletic careers which kept him out of the woods, and now they have one grandson and a granddaughter that will be here in a few weeks.SEMO BIGFOOT & CRYPTID RESEARCH FACEBOOKhttps://www.facebook.com/groups/822816237928377Click that play button, and let's unravel the mysteries of the UNTOLD! Remember to like, share, and subscribe to our channel to stay updated on all the latest discoveries and adventures. See you there!Join Barnaby Jones each Monday on the Untold Radio Network Live at 12pm Central – 10am Pacific and 1pm Eastern. Come and Join the live discussion next week. Please subscribe.We have ten different Professional Podcasts on all the things you like. New favorite shows drop each day only on the UNTOLD RADIO NETWORKTo find out more about Barnaby Jones and his team, (Cryptids, Anomalies, and the Paranormal Society) visit their website www.WisconsinCAPS.comMake sure you share and Subscribe to the CAPS YouTube Channel as wellhttps://www.youtube.com/channel/UCs7ifB9Ur7x2C3VqTzVmjNQ

“…and today we're talking about the savannah's secret dangerous megafauna. But more on that later.” Species: Syncerus caffer, also known as Cape buffalo, savanna buffalo, or forest buffalo, depending on the subspecies. Description Build: Stocky and muscular with a broad chest, short neck, and sturdy legs built for endurance. Coat: Short, coarse hair ranging from […]

More than two years has passed since the hijacking of car carrier Galaxy Leader by the Houthis, which signalled the advent of a campaign of terror from the Yemeni rebel group on international shipping. In that time, several vessels have been sunk and many seafarers have unfortunately lost their lives. The impact on global shipping has of course been sizeable, with most key container carriers deciding to reroute services via the Cape of Good Hope instead. But Houthi activity has quelled in recent weeks, with no vessels attacked since Eternity C. in July, after a ceasefire was agreed between Israel and Hamas; the Houthis' purported aim is to support the people of Gaza. Whispers of a return have grown into murmurs, with comments from Maersk suggesting a return to the Red Sea may be sooner rather than later. The Danish giant said it would “take steps” to return to the Suez Canal and Red Sea “as soon as conditions allow” after a meeting with the Suez Canal Authority. So, should we expect a return to the Red Sea imminently then? Joining Joshua on the podcast this week are: Ian Ralby, founder and chief executive, IR Consilium Jakob Larsen, chief security and safety officer, BIMCO Bridget Diakun, senior risk and compliance analyst, Lloyd's List Take the Outlook survey here: https://lloydslist.qualtrics.com/jfe/form/SV_1X5A55mVBKM156m

On this episode I sit down with False Cape, an alternative punk band from Virginia Beach. We talk about the early days of the band and the transition in sound. We then talk about their latest release "Tears On My Blunt Vol. X". Before we end we talk about their recent music videos. Be sure to follow False Cape and check out "Tears On My Blunt Vol. X"!!!This episode features the songs "Popeyes Chicken Iz Da Shiznit" and "I don't wanna go to work anymore" from the album Tears On My Blunt Vol. X. You can find False Cape at the following links:Instagram: https://www.instagram.com/falsecape/Youtube: https://www.youtube.com/@falsecape/Bandcamp: https://falsecape.bandcamp.com/Everywhere Else: https://linktr.ee/falsecape_______________________________________You can find Beers With Bands here:Facebook: https://www.facebook.com/BeersWithBands2Twitter: https://twitter.com/BeersWBandsPodInstagram: https://www.instagram.com/beerswithbandspod/Bandcamp: https://beerswithbands.bandcamp.comEverywhere else: https://linktr.ee/BeersWithBands

The 3 specific benefits you'll gain by listening to the end of this episode are: 1. You'll have a list of simple list of low to high energy mood boosters to help you feel way better in married life situations. 2. You'll master the message your body is transmitting thus radically uplevel the quality of the response you evoke from your wife and kids. 3. You'll stop investing your life energy into becoming a grumpy old git before your time and actually start enjoying life. Want the Quickest & Easiest Path to Becoming the Marriage Transforming Hero of your relationship? Coaching - Heroic Husbands Don't Miss The Upcoming Intake to the brand NEW Heroic Husbands Training and Community platform: Community Platform - Heroic Husbands Do the Heroic Husbands 3 Masculine Leadership Characteristics Self-Assessment: Home - Heroic Husbands I want to hear from you! Click the link to send me a 90sec voice message with questions or suggestions for relationship topics you'd love me to cover. Send Mark voice message Now To connect with Mark's Queen and her incredible work: Daughters of Narcissistic Mothers podcast

In partnership with Club Oenologique - the world through the lens of wine and spirits. David's guest is David Moulton, chief winemaker at Margaret River's pioneering Cape Mentelle, the third winery to be established in this beautiful corner of Western Australia. They talk about the combination of soils and climate that make the region ideal for Chardonnay and Cabernet Sauvignon Learn more about your ad choices. Visit megaphone.fm/adchoices

In the wake of Salt Typhoon, what does the future of secure telecom look like? To find out, ChinaTalk interviewed John Doyle, a former Green Beret who spent a decade building Palantir's national security practice before founding Cape, which calls itself “America's privacy-first mobile carrier”. Also joining the conversation is Dmitri Alperovitch, chairman and co-founder of Silverado Policy Accelerator, founder of CrowdStrike, and an angel investor into Cape. Thank you to Cape for sponsoring the episode. We discuss… Why telecom data is so valuable to adversaries, and what China discovered in the Salt Typhoon campaign, Cape's founding thesis, including what makes Cape's cell network so much more secure than major providers like AT&T, How wars are run on commercial cell networks, and how Russia and Ukraine's reliance on that has been exploited over the course of the war, Other instances of telecom data weaponization, including by Hezbollah, Israel, and Mexican drug cartels, Taiwan's plan for dealing with undersea cable sabotage, What it takes to cultivate engineering talent in telecoms, and why Huawei has stayed innovative while US providers stagnated. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the wake of Salt Typhoon, what does the future of secure telecom look like? To find out, ChinaTalk interviewed John Doyle, a former Green Beret who spent a decade building Palantir's national security practice before founding Cape, which calls itself “America's privacy-first mobile carrier”. Also joining the conversation is Dmitri Alperovitch, chairman and co-founder of Silverado Policy Accelerator, founder of CrowdStrike, and an angel investor into Cape. Thank you to Cape for sponsoring the episode. We discuss… Why telecom data is so valuable to adversaries, and what China discovered in the Salt Typhoon campaign, Cape's founding thesis, including what makes Cape's cell network so much more secure than major providers like AT&T, How wars are run on commercial cell networks, and how Russia and Ukraine's reliance on that has been exploited over the course of the war, Other instances of telecom data weaponization, including by Hezbollah, Israel, and Mexican drug cartels, Taiwan's plan for dealing with undersea cable sabotage, What it takes to cultivate engineering talent in telecoms, and why Huawei has stayed innovative while US providers stagnated. Learn more about your ad choices. Visit megaphone.fm/adchoices

Following the Trinity to the city dump, the party checks out The Depository Want more world details? Check out our World Anvil page! https://www.worldanvil.com/w/senta-lelandsteel Like our Stuff? Let us know on social media! Connect with us: Twitter: @IncorrigiblePar Instagram: instagram.com/incorrigibleparty Facebook: facebook.com/groups/theincorrigiblepartypodcast/ Website: http://incorrigibleparty.com/ Youtube: The Incorrigible Party YT Twtich: https://www.twitch.tv/incorrigibleparty Support us and get exclusive mini campaign content! https://www.patreon.com/incorrigibleparty Music by Tabletopaudio.com and Sorastro Music The Incorrigible Party podcast is sponsored by the amazing and very generous Critical Hit Design!

Welcome back to Impact Theory with Tom Bilyeu! In today's episode, Tom Bilyeu and his co-host Drew dive headfirst into some of the most pressing issues shaping our future. From the volatility of today's markets and the AI boom, to the complexities of wealth, government spending, and the evolution of education, this episode is a masterclass in first-principles thinking matched with real-world urgency. You'll hear Tom Bilyeu dissect the hype and reality behind AI advancements and market bubbles, breaking down how future profits and technological bets are shaping everything from Tesla's stock price to global alliances with Nvidia, Microsoft, and Anthropic. On the education front, Drew and Tom Bilyeu debate the effectiveness of the Department of Education, why simply throwing money at societal problems doesn't work, and how AI could radically reshape how we learn—if we're willing to measure what truly matters. Of course, no episode is complete without a tough look at wealth inequality, the myth of the “billionaire quick fix,” and what it actually takes to build a lasting, thriving society. Expect strong opinions, grounded wisdom, and plenty of laughs as Tom Bilyeu and Drew challenge conventional thinking and explore what it means to thrive in an era of exponential change. Let's jump in! What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact BlandAI: Call it for free today: https://bland.ai Or for enterprises, you can book a demo directly:  https://bland.ai/enterprise Business Wars: Follow Business Wars on the Wondery App or wherever you get your podcasts. Connectteam: 14 day free trial at https://connecteam.cc/46GxoTFd Raycon: Go to https://buyraycon.com/impact to get up to 30% off sitewide. Cape: 33% off with code IMPACT33 at https://cape.co/impact Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact AirDoctor: Up to $300 off with code IMPACT at https://airdoctorpro.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Impact Theory with Tom Bilyeu! In this fiery episode, Tom and co-host Drew break down a whirlwind week in global politics, economics, and culture. They kick things off analyzing the passage of the Epstein Transparency Act and the political maneuvering surrounding its release, digging into why only one member voted against it and what's really happening behind the scenes. From there, they dive into international developments, unpacking Texas Governor Abbott's controversial decision to label the Muslim Brotherhood a terrorist organization, Saudi Crown Prince MBS's jaw-dropping $1 trillion investment commitment to the US, and the financial turbulence shaking Japan as the yen carry trade unwinds. The looming tensions between China and Japan get a spotlight as well, with an exploration of what's at stake for Taiwan and global chip manufacturing. Finally, the conversation takes a turn toward culture, as Tom and Drew tackle a viral debate: do men really care about women's careers? Tom draws from personal experience to unpack the psychology behind modern relationships and the pressures at play—and what it means for both men and women navigating today's dating scene. Packed with hot takes, big questions, and sharp insight, this episode cuts straight to the heart of what's shaping our world right now. Let's dive in! What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact BlandAI: Call it for free today: https://bland.ai Or for enterprises, you can book a demo directly:  https://bland.ai/enterprise Business Wars: Follow Business Wars on the Wondery App or wherever you get your podcasts. Connectteam: 14 day free trial at https://connecteam.cc/46GxoTFd Raycon: Go to https://buyraycon.com/impact to get up to 30% off sitewide. Cape: 33% off with code IMPACT33 at https://cape.co/impact Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact AirDoctor: Up to $300 off with code IMPACT at https://airdoctorpro.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact BlandAI: Call it for free today: https://bland.ai Or for enterprises, you can book a demo directly:  https://bland.ai/enterprise Business Wars: Follow Business Wars on the Wondery App or wherever you get your podcasts. Connectteam: 14 day free trial at https://connecteam.cc/46GxoTFd Raycon: Go to https://buyraycon.com/impact to get up to 30% off sitewide. Cape: 33% off with code IMPACT33 at https://cape.co/impact Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact AirDoctor: Up to $300 off with code IMPACT at https://airdoctorpro.com Welcome back to Impact Theory with Tom Bilyeu! In this episode, Tom sits down for part two of his riveting conversation with Dr. Roman Yampolski, a leading AI safety researcher. Together, they dive deep into the existential risks and moral quandaries posed by artificial superintelligence, exploring why even some of the industry's most vocal advocates for caution—like Elon Musk—end up accelerating the development of advanced AI. Dr. Yampolski pulls no punches, explaining why attempts to control superintelligent systems might be futile, the challenges of aligning AI interests with humanity's well-being, and the reasons he's so skeptical that society can pump the brakes on innovation. The discussion ranges from the dangers of an unchecked AI arms race and the psychological burden of confronting these risks, to practical approaches for boosting AI safety and the impact of emerging technologies like quantum computing and genetic engineering. Tom and Roman also touch on longevity science, ethics around gene editing, and the future of personal adaptation across generations. Whether you're an optimist about technology or deeply concerned about humanity's trajectory, this episode is packed with insight, tough questions, and thought-provoking perspectives that will leave you rethinking the future of intelligence—both artificial and human. FOLLOW DR. ROMAN YAMPOLSKIY:Twitter: https://twitter.com/romanyampolskiFacebook: https://www.facebook.com/roman.yampolskiy Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Impact Theory with Tom Bilyeu, we dive headfirst into the profound implications and looming risks of AI's rapid progress, guided by Dr. Roman Yampolskiy, a leading voice in AI safety. Together, Tom Bilyeu and Dr. Roman Yampolskiy tackle the big questions on everyone's mind: How close are we to artificial general intelligence (AGI)? What dangers emerge as AI systems become more capable and autonomous—and how do we even begin to test and control something that might soon outpace human intelligence across the board? From the philosophical dilemma of lost human meaning in an age of superhuman machines to the urgency of figuring out if and how we can align AI with our values, this conversation doesn't shy away from worst-case scenarios. Dr. Roman Yampolskiy discusses the reality behind safety concerns, the challenge of evolving algorithmic "conscience," and why economic and societal shifts—like mass unemployment—are just the tip of the iceberg. Whether you're fascinated by technology, worried about the existential risks, or simply wondering how the rise of AI could reshape every aspect of human life, this episode is a thought-provoking, eye-opening journey into the heart of one of the most critical conversations of our time. Get ready to explore the science, the speculation, and the personal stakes behind the race to the future. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact BlandAI: Call it for free today: https://bland.ai Or for enterprises, you can book a demo directly:  https://bland.ai/enterprise Business Wars: Follow Business Wars on the Wondery App or wherever you get your podcasts. Connectteam: 14 day free trial at https://connecteam.cc/46GxoTFd Raycon: Go to https://buyraycon.com/impact to get up to 30% off sitewide. Cape: 33% off with code IMPACT33 at https://cape.co/impact Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact AirDoctor: Up to $300 off with code IMPACT at https://airdoctorpro.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact BlandAI: Call it for free today: https://bland.ai Or for enterprises, you can book a demo directly:  https://bland.ai/enterprise Business Wars:  Connectteam: 14 day free trial at https://connecteam.cc/46GxoTFd Raycon: Go to https://buyraycon.com/impact to get up to 30% off sitewide. Cape: 33% off with code IMPACT33 at https://cape.co/impact Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact AirDoctor: Up to $300 off with code IMPACT at https://airdoctorpro.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What does great sex really mean? And why is the simplest question – “What do you really want?” – often the hardest one to answer?In this episode of The Weekly Hot Spot, Mistress Olivia and Mistress Erika sit down with the brilliant Dr. Jaime Grant – researcher, LGBTQ+ advocate, and author of Great Sex: Mapping Your Desire – for a conversation that dismantles shame, celebrates pleasure, and redefines intimacy from the inside out.This isn't just a talk about kink or technique. It's a deep dive into the emotional archaeology of desire – how shame, silence, and societal scripts keep us from claiming our deepest pleasures, especially when those desires feel taboo. Dr. Grant opens with a powerful admission: she got into this work because she was a “liar” – performing a version of herself to survive a repressive Irish Catholic upbringing. “We all develop a liar,” she explains, “and that liar shows up in our sexuality.” Whether you're a submissive wrestling with guilt, a sissy navigating feminization, or someone whose fantasies clash with their identity, this episode meets you where you are – without judgment.The conversation turns to the “purge cycle” – that all-too-familiar pattern where submissives and sissies throw away their toys and clothes in shame, only to rebuild their collections once again. Dr. Grant reframes this not as failure, but as desire breaking through. Then comes the practical magic. Dr. Grant introduces her “Name Tag Exercise” – a fun exercise tool where you introduce yourself not by your job or role, but by three words that describe your core desires. Words like slut, rope enthusiast, curious, neuro spicy, bootlicker, orgasm controller. Mistress Erika shares hers: “Fun. Curious. Obey.” Mistress Olivia, ever the wordsmith, lands on “Control as Connection,” “Intellectual Eroticism,” and “Transformation.” She reveals how power exchange, for her, is a form of artistic expression – a “ballet” of sensual influence – and how she's turned on more by minds than bodies, drawn to “the space between words.”But the mapping goes deeper. Dr. Grant applies desire mapping to orgasm control, chastity, and tease/denial – not as games of endurance, but as rituals of presence. “If you're just going through the motions,” she says, “it's choreography, not connection.” True power play begins when you're grounded in what actually moves you – the raw, vulnerable parts of yourself that turn you on because they feel dangerous.Fantasy, she insists, is not disloyalty – it's breadcrumbs. Your roleplay scenarios, dark power exchanges, and gender-bending dreams aren't distractions from real desire – they are the map. And if someone tries to police your inner world? “You're with the wrong person."The episode closes with a radical truth: You already have everything you need. The voice of shame – that internal critic whispering, "You shouldn't want this" – that voice is not yours. It's the echo of a priest, a parent, a culture.Desire mapping helps you trace that voice back to its source, so you stop obeying it and start honoring your sacred material: your body, your history, your truth.If you've ever felt like an imposter in your own pleasure… If you've silenced a fantasy because it didn't fit your identity… If you've wondered why surrender feels so terrifying – and so freeing……this episode is your invitation to map your desire – not apologize for it.Tune in. Listen closely. And start asking yourself the question that changes everything:What do you really want?Books by Dr. Jaime Grant on AmazonReach out to Dr. Grant for readings or coaching at jaimemgrant@gmail.com and catch her podcast at www.justsexpodcast.comContact us:Mistress Olivia:Email: Olivia@EnchantrixEmpire.com.   Twitter X: @MistressOlivia1.     Blue Sky: @MsOliviaBlog: Experienced MistressMistress Erika: Email:  Erika@EnchantrixEmpire.comTwitter X and Blue Sky: @ErikaEnchantrixBlog: Intelligent Phone Fantasy MEET DR. JAIME GRANT Friday, November 21 at Red Emma's Bookstore in BaltimoreDr. Grant and her co-author Jack Harrison-Quintana do exercises from the book and share bits of their kink highlight reels.Wednesday evening, January 21, 8pm at the Washington Hilton Hotel, as part of the Creating Change Conference.  Dr. Grant and her co-author Jack Harrison-Quintana read from Kink for Dummies and share tips.From late January through mid-March, Dr. Grant will be at the SketchPad Artist's residency in Hyannis Mass, offering Desire Mapping open studios every Saturday.  Book readings on the Cape in this period TBD.Friday April 24th @ 7:30pm, at Charis Books in Atlanta, Dr. Grant will talk about Kink for Dummies with Ignacio Rivera, technical editor on the book, and two kink story contributors, Asha Leong and tia marie.

In this illuminating first half of our deep-dive episode, Tom Bilyeu sits down with the brilliant and provocative historian and YouTube creator, WhatifAltHist. Known for his cutting insights into cyclical history and alternative perspectives on societal collapse, WhatifAltHist brings a wealth of knowledge on philosophy, politics, and anthropology to the discussion. The conversation kicks off with a dissection of Nietzsche's “Age of the Last Man,” exploring how Western civilization is at a crossroads characterized by complacency, lack of cultural transmission, and a dangerous loss of ambition. Part one focuses on the unraveling of shared cultural myths, the impact of rapid societal change, and why every historic society similar to ours has met with revolution. The duo investigate the destructive influence of Marxism and modern ideologies on social cohesion, what happens when traditional cultural frameworks erode, and the economic crises intersecting with culture. If you're curious about how historical patterns, economic choices, and ideological battles shape our present moment, this segment will ground you in the underlying forces of our age. SHOWNOTES 00:00 Defining society in crisis—Nietzsche's Age of the Last Man 04:02 Jordan Peterson's Maps of Meaning and the necessity of identity 05:32 Shifting American foundational myths 06:50 Narrative stability, identity, and societal danger 08:18 Marxist intent and the social disorientation project 11:12 The wisdom gap—ancient versus modern perspectives 14:25 Demographics—transition from growth to decline 16:54 Culture as the sum of society, and informal norms 18:48 Economics and culture: The twin pillars of collapse 23:22 Neurobiology—left brain, right brain, and ideology 24:55 Malice vs. mental illness: How ideology detaches from reality 26:00 The matrix of nihilism, hedonism, totalitarianism, heroism 28:41 Technology, AI, and another revolution—where we're headed 29:32 Historical cycles and inevitability of crisis 30:37 International instability: Connecting global trends 31:30 Currency debasement, inflation, and economic collapse 36:09 Mouse utopia—prosperity and destruction of adversity 37:37 The necessity of adversity and breakdown of discipline FOLLOW WHATIFALTHIST YouTube: ⁠https://www.youtube.com/@WhatifAltHist⁠ Twitter: ⁠https://twitter.com/whatifalthist⁠ ButcherBox: Your choice of holiday protein — ham or turkey in your first box, or ground beef for life — plus $20 off at ⁠https://butcherbox.com/impact⁠ Bevel Health: 1st month FREE at ⁠https://bevel.health/impact⁠ with code IMPACT Linkedin: Post your job free at ⁠https://linkedin.com/impacttheory⁠ HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at ⁠https://homeserve.com⁠ Netsuite: Right now, get our free business guide, Demystifying AI, at ⁠https://NetSuite.com/Theory⁠ True Classic: Upgrade your wardrobe at ⁠https://trueclassic.com/impact⁠ Cape: 33% off with code IMPACT33 at ⁠https://cape.co/impact⁠ Surfshark: Go to ⁠https://surfshark.com/bilyeu⁠ or use code BILYEU to get 4 extra months of Surfshark VPN! AirDoctor: Up to $300 off with code IMPACT at ⁠https://airdoctorpro.com⁠ Raycon: Go to ⁠https://buyraycon.com/impact ⁠to get up to 30% off sitewide. Found Banking: Try Found for FREE at ⁠https://found.com/impact⁠ What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business:⁠ join me here at ZERO TO FOUNDER⁠:  ⁠https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show⁠ SCALING a business:⁠ see if you qualify here.⁠:  ⁠https://tombilyeu.com/call⁠ Get my battle-tested strategies and insights delivered weekly to your inbox:⁠ sign up here.⁠: ⁠https://tombilyeu.com/⁠ FOLLOW TOM: Instagram:⁠ https://www.instagram.com/tombilyeu/⁠ Twitter:⁠ https://twitter.com/tombilyeu⁠ YouTube:⁠ https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

In 1291, two Genoese brothers, Vandino and Ugolino Vivaldi, led the first known attempt to sail from Europe to India by going around the southern tip of Africa. The attempt - which failed - would generate rumors and speculation for hundreds of years. Sponsors: Quince. Get free shipping with your order by using code EXPLORERS at quince.com/explorers Visit https://rexmd.com/explorers and get up to 95% off ED treatment Get an exclusive 15% discount on your first Saily data plans! Use code EXPLORERS at checkout. Download Saily app or go to to https://saily.com/explorers The Explorers Podcast is part of the Airwave Media Network: www.airwavemedia.com Interested in advertising on the Explorers Podcast? Email us at advertising@airwavemedia.com Learn more about your ad choices. Visit megaphone.fm/adchoices

James Seltzer and Eliot Shorr-Parks react to Jalen Hurts' dominant performance in the Eagles' 28-22 over Carson Wentz and the Minnesota Vikings. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices