Podcasts about Ai

Recorded: June 17, 2025 Will Compton and Taylor Lewan have San Francisco 49ers star and The King of Tight End University George Kittle on this episode of Bussin’ With The Boys! The guys kick things off with a lively intro this week, with Will Compton stirring the pot and creating drama between Bussin' Producer Jack and Taylor Lewan. Taylor then defends his claim of being an elite athlete (which AI has confirmed is accurate), ending with a healthy debate over normalizing bad first pitches. The Boys jump into George Kittle's interview full steam. George talks candidly about his NFL career earnings, how he takes care of his body midseason, and responds to Taylor’s wild claims about Brock Purdy from two years ago. He also discusses his desire to continue playing at a high level, his love for video games, and all things Niners, including how Brock Purdy and Christian McCaffrey are ready for a comeback season. The guys laugh about George’s new touchdown celebration ideas, debate whether Kyle Juszczyk is Hall of Fame-worthy, and dish on Deebo Samuel possibly being overweight. They even touch on a surreal moment of hanging with Justin Trudeau while his countrymen chirped him at the 4 Nations Hockey Tournament. Things wind down with more Tight End U talk, the future of the event, and George’s excitement to hang with the boys this week. Support the boys — throw us a like and a subscription. Check out the merch at BWTB.com! And as always, big hugs… and tiny lil kisses! TIMESTAMP CHAPTERS 0:00 Intro2:52 Tight End U This Week3:43 Demon Takes On Vegas14:52 Jake Paul v Chavez17:32 Weekend Recap41:14 Nebraska And Rhule Need To Reel It In47:53 NBA Finals Reaction49:54 Joe Burrow Can't Pitch Either1:00:44 BWTB.com For Our New Merch1:04:36 GEORGE KITTLE INTERVIEW STARTS1:05:49 George’s Career Earnings1:07:15 How's The Body Feeling?1:10:48 What's Taylor's Deal With Purdy? 1:14:52 His Favorite Luxury In Life 1:19:14 How Long He Wants To Play/Life After Football1:26:43 49ers Last Season1:34:48 George Joining The Boys? 1:35:44 Are You Worried About Your Body Post-Football?1:42:10 How Much Money George Puts Into his Body1:48:54 Iowa Is Will's Daddy1:52:57 George's Reaction To NIL Earnings2:04:16 Is Kyle Juszczyk A Hall Of Famer?2:05:49 Deebo Samuel In Washington2:09:03 Hanging Out With Trudeau?2:13:48 Conspiracy Theories2:21:15 Will’s Ongoing Back Issues2:24:31 Brock Purdy’s New Contract2:26:58 Vibes Of The 49ers Last Year2:43:13 Tight End U This Year2:46:12 Kittle Fest Keeps Getting Bigger2:50:23 Bud Light: What Would You Do Anything For?See omnystudio.com/listener for privacy information.

You've probably come across content online that seems real but is actually fake. And that experience is becoming more common with the proliferation of AI generated content. Our guest this week points out that the mental gymnastics of this starts to take a toll. Jia Tolentino, a staff writer at The New Yorker, wrote a piece all about this aptly titled, “My Brain Finally Broke.”  She joins WITHpod to discuss how AI is changing our perception of the world, how online content can make us more likely to detach from reality and more. Note: this episode was recorded on 6/11/25. 

Kara and Scott discuss the U.S. strikes on Iran's nuclear sites, and the mixed messages coming from President Trump and his team. Then, Tesla's long-awaited robotaxis are finally on the streets (sort of), but will they live up to Elon's game-changing promises? Plus, Meta's AI power grab, and the TikTok deadline gets delayed... again. The info in this podcast reflects events in the Middle East at the time of recording. Watch this episode on the ⁠⁠⁠Pivot YouTube channel⁠⁠⁠. Follow us on Instagram and Threads at ⁠⁠⁠@pivotpodcastofficial⁠⁠⁠.Follow us on Bluesky at ⁠⁠⁠@pivotpod.bsky.social⁠⁠⁠.Follow us on TikTok at ⁠⁠⁠@pivotpodcast⁠⁠⁠.Send us your questions by calling us at 855-51-PIVOT, or at ⁠⁠⁠nymag.com/pivot⁠⁠⁠. Learn more about your ad choices. Visit podcastchoices.com/adchoices

⏱️ Timestamps9:50 – U.S. vs Iran: Latest Updates & Impact19:00 – Big Tech: The New Giants of War?25:04 – Best Stocks in the “War Index”37:30 – Credit Card Company Performance (Visa, AmEx, Mastercard, etc.)41:57 – S&P Near Highs, But Sentiment at Lows: Is the Market Ignoring the Consumer?48:50 – One Economic Indicator Retail Investors Should Track Weekly52:46 – Case Study: Michael Rubin's Fanatics Fest59:10 – Elon's Robotaxis: Is Tesla Back?1:08:00 – Oil Spike: Short-Term Shock or Start of a Supercycle?1:13:30 – Apple's AI Paper: Is Apple Underhyped Compared to LRM Rivals?1:24:33 - The Vendor That Tripled Profits at Invest Fest In this episode, we dive into the escalating tensions between the U.S. and Iran and explore how it could impact global markets. We also examine whether Big Tech is quietly becoming the new face of modern warfare and identify the top-performing stocks in what we're calling the “War Index.” With oil prices spiking and geopolitical risks rising, we ask the critical question: is this just a short-term shock or the beginning of a multi-year supercycle?We shift to the consumer economy, analyzing the 2024 performance of credit card giants like Visa, American Express, and Mastercard. With the S&P flirting with all-time highs while consumer sentiment hits record lows, we break down whether the market is ignoring key warning signs — or betting on a comeback. You'll also hear which economic indicator retail investors often overlook, but should track weekly to better time trades.We wrap up with a case study on Michael Rubin's Fanatics Fest, a look at Tesla's robotaxi push, and a deep dive into Apple's newest AI paper. Plus, two special guests join us to talk about their experiences at Invest Fest — one as a vendor and the other as the winner of last year's pitch competition.Invest Fest Ticket Link: https://investfest.com#InvestFest #StockMarket #Tesla #Apple #Visa #BigTech #Iran #OilPrices #AI #ElonMusk #FanaticsFest #RetailInvesting #S&P500 #MarketMondays #EarnYourLeisureSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

The screams echoing through Oregon State Hospital that morning weren't from the mentally ill patients—they were from 47 people dying in agony after taking their first bite of breakfast.Join the DARKNESS SYNDICATE: https://weirddarkness.com/syndicateABOUT WEIRD DARKNESS: Weird Darkness is a true crime and paranormal podcast narrated by professional award-winning voice actor, Darren Marlar. Seven days per week, Weird Darkness focuses on all thing strange and macabre such as haunted locations, unsolved mysteries, true ghost stories, supernatural manifestations, urban legends, unsolved or cold case murders, conspiracy theories, and more. On Thursdays, this scary stories podcast features horror fiction along with the occasional creepypasta. Weird Darkness has been named one of the “Best 20 Storytellers in Podcasting” by Podcast Business Journal. Listeners have described the show as a cross between “Coast to Coast” with Art Bell, “The Twilight Zone” with Rod Serling, “Unsolved Mysteries” with Robert Stack, and “In Search Of” with Leonard Nimoy.DISCLAIMER: Ads heard during the podcast that are not in my voice are placed by third party agencies outside of my control and should not imply an endorsement by Weird Darkness or myself. *** Stories and content in Weird Darkness can be disturbing for some listeners and intended for mature audiences only. Parental discretion is strongly advised.IN THIS EPISODE: It was 1973, and the small town of Murphysboro, Illinois had quite a scare with numerous people encountering what many described as a large gorilla-like creature. We might call it Bigfoot or Sasquatch – they called it a “Big Muddy Monster”. (A Big Muddy Monster) *** In November, 1978, four employees at a hamburger restaurant are kidnapped and murdered. Almost forty-five years later, seven employees at a fried chicken establishment are found slain – their bodies found in the restaurant's walk-in freezer. One case found justice… the other is still waiting. (The Burger Chef and Brown's Chicken Murders) *** In Germanic and Scandinavian folklore, a child murdered by their mother is known as a Kindermorderinn – and if that child is a boy and decides to appear from beyond the dead, he's considered a “Radiant Boy”. And there are numerous stories of their hauntings. (Radiant Boy) *** Grace Stevens was excited to attend her company's annual picnic with friends and co-workers, dressing for the occasion, hoping to possibly meet her future Prince Charming. Her company was splurging and inviting everyone to take a ship from Chicago across Lake Michigan to attend the party in Michigan City. They never arrived. (Grace Stevens And The Tragedy Of The U.S.S. Eastland) *** In 1947 a woman jumped to her death from 86th floor of the Empire State Building… yet today, her ghost still needs to use the building's bathroom facilities. (The Haunted Empire State Building Bathroom) *** But first,, the governor called it “mass murder” in 1942 when forty-seven patients died at the Oregon State Hospital – all within hours. All of them, poisoned. Finding the murderer and motive would lead to an unexpected conclusion, and to an unrelenting haunting. We begin with that story. (An Accidental Mass Murder at Oregon State Hospital)CHAPTERS & TIME STAMPS (All Times Approximate)…00:00:00.000 = Lead-In00:00:51.611 = Show Open00:03:48.028 = An Accidental Mass Murder at Oregon State Hospital00:21:32.591 = Radiant Boy00:28:19.019 = Grace Stevens And The Tragedy of the U.S.S. Eastland00:38:31.908 = The Burger Chef and Brown's Chicken Murders00:50:31.332 = A Big Muddy Monster01:02:18.749 = The Haunted Empire State Building Bathrooom01:06:03.789 = Show CloseSOURCES AND RESOURCES FROM THE EPISODE…“The Haunted Empire State Building Bathroom” by Erin Taylor from the book, “Unfinished Business: Tales of Haunted Restrooms and Bathrooms”: https://amzn.to/3rCp9qU“A Big Muddy Monster” by Bridge Vaughan for The Patriot Press: https://weirddarkness.tiny.us/ycy9kr78; and from The New York Times archives: https://weirddarkness.tiny.us/2p8tpv8v“An Accidental Mass Murder at Oregon State Hospital” by Capi Lynn for The Statesman Journal: https://weirddarkness.tiny.us/4swhcvt2; and Macabre Mary at Puzzle Box Horror: https://weirddarkness.tiny.us/4k53fxa4“Radiant Boy” by Lux Ferre for Occult World: https://weirddarkness.tiny.us/j75fc2w8“Grace Stevens And The Tragedy of the U.S.S. Eastland” by Kathi Kresol for Haunted Rockford: https://weirddarkness.tiny.us/2p8cn6sk“The Burger Chef and Brown's Chicken Murders” by Lexi Kakis and Andres Cipriano for Uncovered.com:https://weirddarkness.tiny.us/ycxh4r32, and Eric DeGrechie for Patch.com: https://weirddarkness.tiny.us/yc55dubz=====(Over time links may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)= = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = =WeirdDarkness® is a registered trademark. Copyright ©2025, Weird Darkness.=====Originally aired: July 18, 2022NOTE: Some of this content may have been created with assistance from AI tools, but it has been reviewed, edited, narrated, produced, and approved by Darren Marlar, creator and host of Weird Darkness — who, despite popular conspiracy theories, is NOT an AI voice. (AI Policy)EPISODE PAGE at WeirdDarkness.com (includes list of sources): https://weirddarkness.com/oregon-state-hospital-47-dead/

Will our improvements to AI's voracious appetite for electricity keep pace with the exploding demand? Learn about your ad choices: dovetail.prx.org/ad-choices

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed April Lancit. Founder of a private therapy practice focused on culturally sensitive therapy for Black and Brown communities. Main Topics: Cultural differences in therapy Challenges in modern relationships and marriage The impact of technology on human connection The role of therapy in addressing generational trauma and stress The future of therapy in the age of AI

My guests today are Alex Pall and Drew Taggart, who you might know as The Chainsmokers. We explore their fascinating evolution from scrappy DJs to global superstars to serious venture capitalists with their fund Mantis. Drew and Alex share how the same high-touch, relationship-driven approach that built their music empire now defines their investment philosophy. Their framework for backing founders mirrors their artistic process: they invest in obsessive individuals who will pursue their vision regardless of external validation, much like how they've remained authentic to their sound despite industry pressures. We discuss parallels between creative iteration in music and venture investing, particularly around managing failure, maintaining intentionality in an age of abundance, and the importance of taste as a differentiating factor. Please enjoy this fascinating discussion with The Chainsmokers, Alex Pall and Drew Taggart.  For the full show notes, transcript, and links to mentioned content, check out the episode page⁠⁠ ⁠⁠⁠⁠here.⁠⁠⁠⁠⁠⁠ ----- This episode is brought to you by⁠⁠⁠⁠⁠⁠ Ramp⁠⁠⁠⁠⁠⁠. Ramp's mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠ Ramp.com/invest⁠⁠⁠⁠⁠⁠ to sign up for free and get a $250 welcome bonus. – This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠ Ridgeline⁠⁠⁠⁠⁠⁠⁠. Ridgeline has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Head to⁠⁠⁠⁠⁠⁠⁠ ridgelineapps.com⁠⁠⁠⁠⁠⁠⁠ to learn more about the platform. –  This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠ ⁠Arcana⁠. Arcana is the world's most advanced portfolio intelligence platform, trusted by institutional investors managing trillions in AUM — including market neutral, long-short, long-only, and capital allocators. Arcana enables portfolio managers, risk teams, analysts, and CIOs to drill into exposures and idio, construct optimal portfolios, and decompose performance at incredible granularity. Visit ⁠arcana.io⁠ to request a demo and learn more. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠). Show Notes: (00:00:00) Welcome to Invest Like the Best (00:06:16) The Creative Process Behind Songwriting (00:07:33) Exploring the Emotional Depths of Music (00:11:50) Navigating the Music Industry and AI (00:17:45) The Importance of World Building in Music (00:21:27) Finding Your Creative Itch (00:35:04) The Chainsmokers' Journey and Work Ethic (00:40:37) The Business Side of the Chainsmokers (00:45:43) Venturing into Tech and Investments (00:51:39) The Evolution of Mantis (00:53:11) Overcoming Celebrity Investor Stereotypes (00:55:20) Supporting Founders Like Record Labels (00:57:26) The Art of Collaboration (01:04:02) The Grind to Success (01:13:49) Investing Insights and Evolution (01:26:39) The Kindest Thing Anyone Has Ever Done for Drew and Alex

1093. Why do we say “prob'ly” instead of “probably”? This week, we look at elision in everyday speech. Then, we look at a wild study showing that the way people talk is being influenced by AI.The elision segment was by Susan K. Herman, a retired multidisciplined language analyst, editor, and instructor for the federal government.

In today's episode of the Second in Command podcast, Cameron is joined by Brennan Pothetes, current CEO and former COO of Infinity Constellation, a holding company with eight AI-focused companies.In this fascinating conversation, Cameron and Brennan take you behind the scenes of a fast-growing and highly innovative company that's reshaping an entire service industry. Brennan shares his perspective on what it takes to build multiple successful ventures simultaneously, while maintaining a high bar for leadership, execution, and strategic vision. Through the lens of real-world experience, he offers insight into the principles that drive long-term growth, the importance of founder mindset, and the structures that support sustainable scale.You'll hear about the complexities of aligning people, purpose, and performance in a high-stakes environment. From early-stage incubation to strategic talent selection, the guest explores the nuances of equity, compensation, and cultural alignment—laying out a model that favors ownership and trust over traditional hierarchies. There's also an honest look at how economic conditions and past market cycles influence today's decisions around valuation, fundraising, and team incentives.This conversation is both a roadmap and a rallying cry for anyone serious about building transformational ventures in today's evolving business landscape.If you've enjoyed this episode of the Second in Command podcast, be sure to leave a review and subscribe today!Enjoy!In This Episode You'll Learn:Brennan's career path, starting in risk and compliance in banking, moving to Neo banks, and eventually becoming a Chief Operating Officer.The importance of mental health, fitness, and personal well-being for high performance. Infinity Constellation's model of building and scaling AI-driven businesses, including design as a service and executive assistance.The challenges of transitioning from COO to CEO, and the differences in focus between the two roles.Why aligning with like-minded investors who understand the company's vision and strategy is vital to success.And much more...Resources:Connect with Brennan: Website | LinkedInConnect with Cameron: Website | LinkedInGet Cameron's latest book – "Second in Command: Unleash the Power of Your COO"Get Cameron's online course – Invest In Your Leaders

Episode 611: Neal and Toby dive into the FICO taking into account consumers Buy Now, Pay Later loans into their credit scores. Also, Novo Nordisk cuts ties with telehealth company Hims & Hers, accusing the mass sale and promotion of Wegovy copycats. Then, job seekers have been using AI to build their resumes for jobs at a rapid pace that is starting to overwhelm job screeners. Meanwhile, Toby examines the trend of SPACs becoming bitcoin treasuries. Finally, a rundown of the latest market reactions from the conflict in Iran. 00:00 - Images of the universe 3:30 - Market update from Middle East conflict 5:00 - Buy now, pay later impacts FICO score 8:30 - Novo Nordisk breaks up with Hims & Hers 12:00 - AI resumes flood the job market 17:00 - Toby's Trends: SPAC Bitcoin treasuries 21:30 - Sprint Finish! Check out https://domainmoney.com/mbdaily and start building your financial plan today We are current clients of Domain Money Advisors, LLC (Domain). Through Domain's sponsorship of Morning Brew Daily, we receive compensation that included a free plan and thus have an incentive to promote Domain Money. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here: https://www.swap.fm/l/mbd-note  Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed April Lancit. Founder of a private therapy practice focused on culturally sensitive therapy for Black and Brown communities. Main Topics: Cultural differences in therapy Challenges in modern relationships and marriage The impact of technology on human connection The role of therapy in addressing generational trauma and stress The future of therapy in the age of AI

Anthropic latest court ruling has big implications for the legality of training AI models with copyrighted works, and Andy Beach shows how individual creators are using AI like a paintbrush.Starring Jason Howell, Tom Merritt, and Andy Beach.Links to the stories discussed in this episode cn be found here. Hosted on Acast. See acast.com/privacy for more information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed April Lancit. Founder of a private therapy practice focused on culturally sensitive therapy for Black and Brown communities. Main Topics: Cultural differences in therapy Challenges in modern relationships and marriage The impact of technology on human connection The role of therapy in addressing generational trauma and stress The future of therapy in the age of AI

President Trump ordered airstrikes on three nuclear facilities in Iran during the Summer Solstice. This marks the first time the US has officially intervened militarily in this round of the Iran-Israel conflict, drawing widespread shock from the international community. It is now being scrutinized whether the attack on Iran was made by Trump or the bombing was based on data-driven decision-making by AI. MOSIAC data was shared with Israeli officials in an academic forum, turning the IAEA into a “data pipeline for war planning and execution." MOSIAC is built on secret algorithms with no transparency and no accountability. Its outputs shape actions that kill, and yet no tribunal can audit the decision for intentional war crimes. Tonight on Ground Zero with Clyde Lewis and guest, Ryan Gable at 7 pm, pacific time on groundzeroplus.com. Call in to the LIVE show: 503-225-0860. #GroundZeroPlus #ClydeLewis #algorithm #war #Iran #Israel

Morgan Stanley's Chief Asia Equity Strategist Jonathan Garner explains why Indian equities are our most preferred market in Asia.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Jonathan Garner, Morgan Stanley's Chief Asia Equity Strategist. Today I'll discuss why we remain positive on India's long-term equity story.It's Tuesday, the 24th of June at 9am in Singapore.We've had a long-standing bullish outlook on the India economy and its stock market. In the last five years MSCI India has delivered a total return in U.S. dollars of 145 percent versus 94 percent for global equities and just 39 percent for emerging markets. Indian equities are our most preferred market within Asia for three key reasons. First, India's superior economic and earnings growth. Second, lower exposure to trade tariffs. And third, a strong domestic investor base. And all of this adds up to structural outperformance not just in Asia but indeed globally, and with significantly lower volatility than peer group markets. So let's dive deeper. To start with – the macroeconomic backdrop. We expect India to account for 20 percent of overall incremental global GDP growth in the coming decade. Manufacturing competitiveness is improving thanks to bolstered infrastructure in power, ports, roads, freight transport systems as well as investments in social infrastructure such as water, sewage and hospitals. Additionally, India's growing middle class offers market opportunities to companies across many product categories. There's robust domestic consumption, a strong investment cycle led by public and private capital expenditure and continuing structural reforms, including in the legal sphere. GDP growth in the first quarter was more than 7 percent and our team expects over 6 percent in the medium term, which would be by far the highest of the major economies. Furthermore, we continue to expect robust corporate earnings growth. Since the end of COVID, MSCI India has delivered around 12 percent per annum [U.S.] dollar earnings per share growth versus low single digits for Emerging Markets overall. And we forecast 14 percent and 16 percent over the next two fiscal years. Growth drivers in the short term include an emerging private CapEx cycle, re-leveraging of corporate balance sheets, and a structural rise in discretionary consumption – signaling increased business and consumer confidence, after last year's elections. Another key reason that we're positive on India currently is its lower-than-average vulnerability to ongoing trade and tariff disputes between the U.S. and its trade partners. Exports of goods to the U.S. amount to only 2 percent of India's GDP versus, for example, 10 percent in Thailand or 14 percent in Taiwan. And India's total goods exports are only around 12 percent of GDP. Moreover, for the time being, India's very large services sector's exports are not exposed to tariff actions, and are actually early beneficiaries of AI adoption. Finally, India's strong individual stock ownership means that there's persistent retail buying, which underpins the equity market. Systematic Investment Plan (SIP) flows driven by a young urbanizing population are making new highs, and in May amounted to over U.S.$3 billion. They provide consistent capital inflows. That means that this domestic bid on stocks is unlikely to fade anytime soon. This provides a strong foundation for the market and supports valuations which are slightly above emerging market averages. It also means that its market beta to global equities are low and falling, approximately 0.4 versus 1.1 ten years ago. And price volatility is well below other emerging markets. All told, making India an attractive play in volatile times. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Plus: AI startup Abridge valued at $5.3-billion. And, the UK's competition regulator sets out proposals to reign in Google search. Victoria Craig hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

SUMMARY:In this enlightening conversation, Kimberly Snyder and Soren Gordhamer explore the themes of mindfulness, presence, and self-discovery in an age filled with distractions. They discuss the importance of embracing emotions, living from a place of fullness rather than lack, and the role of technology and AI in our lives. Soren shares insights from his book, 'The Essential,' emphasizing the need for authenticity, connection, and creating conditions for our gifts to flourish. The dialogue encourages listeners to reflect on their own journeys and the impact of their choices on personal and collective well-being.EPSIODE SPONSORS: MOMENTOUSOFFER: Head to livemomentous.com and use code KIMBERLY for 35% off your first subscription. That's code KIMBERLY at livemomentous.com for 35% off your first subscription.USE LINK: livemomentous.com Code: KIMBERLY for 35% off your first subscription.GREENS POWDEROFFER: Go to mysolluna.com and use the CODE: PODFAM15 for 15% off your entire order.USE LINK: mysolluna.com CODE: PODFAM15 for 15% off your entire order.Chapters00:00 Introduction to Mindfulness and Presence02:49 Navigating Chaos and Embracing Emotions06:01 The Journey of Self-Discovery and Healing09:00 Living from Fullness vs. Lack12:00 Understanding Our True Essence15:07 The Role of Inquiry in Personal Growth18:01 Practical Steps to Connect with Self21:02 The Impact of Information on Our Lives24:04 Nurturing the Next Generation27:03 Conclusion: The Gift of Presence and Authenticity27:26 Understanding Misunderstanding: Embracing Our True Selves28:52 Visionaries and the Courage to Follow Inner Guidance30:25 The Role of Technology in Human Connection32:45 Wellness: The Balance Between Self-Care and Self-Obsession34:52 The Intersection of Spirituality and Health37:48 AI and Humanity: Navigating the Future Together41:14 Rethinking Society in the Age of AI44:50 The Essence of Humanity: Connection Over Technology47:52 Creating Conditions for Our Gifts to FlourishSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A new Xbox branded Meta Quest. Amazon is expanding same day delivery even more. What does it mean for the AI race if ChatGPT seems to be outcompeting Microsoft's Copilot offerings in the enterprise space? Why is Wall Street leading the way on AI adoption? And what exactly is Mira Murati's big new AI startup going to do, exactly?Sponsors:Venice.ai/techmeme and code: techmemeLinks:After a year of waiting, Microsoft's Meta Quest 3S "Xbox Edition" is here — our hands-on review of this (very) limited edition partnership (Windows Central)Amazon bringing same-day delivery to ‘millions' of rural customers (The Verge)Tesla Robotaxi Incidents Draw Scrutiny From US Safety Agency (Bloomberg)Waymo's robotaxis are now available on the Uber app in Atlanta (The Verge)ChatGPT's Enterprise Success Against Copilot Fuels OpenAI and Microsoft's Rivalry (Bloomberg)Goldman Sachs launches AI assistant firmwide, memo shows (Reuters)Thinking Machines Lab's $2B Seed Round Is Biggest By A Long Shot (Crunchbase News)How Ex-OpenAI CTO Murati's Startup Plans to Compete With OpenAI and Others (The Information)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Grant Mahoney and Jeff Woody react to Tyrese Haliburton's injury and an odd AI story before welcoming FOX's Rob Stone to discuss bringing Big Noon Kickoff to Iowa State, Farm-o'-geddon, and more from Rob's career in the booth. Presented by Kelderman Manufacturing. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's show:Tesla's robotaxi launch, AI producers, job destruction, and smart toilets? In this episode of This Week in Startups, @Jason and @alex break down Tesla's cautious rollout strategy, how AI is quietly replacing producers and employees, why second-movers like Tesla and Ramp often win, and how Throne Science is turning gut health into a billion-dollar market—with cameras in your toilet. Buckle up.Timestamps:(02:11) Introducing… PRODUCER CLAUDE!(04:21) Tesla's Robotaxis are out and about! But are they SAFE?!(09:49) Squarespace - Use offer code TWIST to save 10% off your first purchase of a website or domain at https://www.Squarespace.com/TWIST(19:35) Netsuite - Download the ebook Navigating Global Trade: 3 Insights for Leaders for free at https://www.netsuite.com/twist(24:07) Grabbing market share, and why there's “no reason to rush”(29:59) INBOUND - Use code TWIST10 for 10% o your General Admission ticket at [https://www.inbound.com/register](https://www.inbound.com/register.) (Valid thru 7/31)(39:53) AI, Job Destruction, and what leaders aren't saying out loud…(48:43) Which startups are doing the most with the smallest teams?(57:49) Mark Zuckerberg has entered FOUNDER MODE(01:05:48) How Throne Science is improving everyone's gut healthSubscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.comCheck out the TWIST500: https://www.twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcpFollow Lon:X: https://x.com/lonsFollow Alex:X: https://x.com/alexLinkedIn: ⁠https://www.linkedin.com/in/alexwilhelmFollow Jason:X: https://twitter.com/JasonLinkedIn: https://www.linkedin.com/in/jasoncalacanisThank you to our partners:(09:49) Squarespace - Use offer code TWIST to save 10% off your first purchase of a website or domain at https://www.Squarespace.com/TWIST(19:35) Netsuite - Download the ebook Navigating Global Trade: 3 Insights for Leaders for free at https://www.netsuite.com/twist(29:59) INBOUND - Use code TWIST10 for 10% o your General Admission ticket at [https://www.inbound.com/register](https://www.inbound.com/register.) (Valid thru 7/31)Great TWIST interviews: Will Guidara, Eoghan McCabe, Steve Huffman, Brian Chesky, Bob Moesta, Aaron Levie, Sophia Amoruso, Reid Hoffman, Frank Slootman, Billy McFarlandCheck out Jason's suite of newsletters: https://substack.com/@calacanisFollow TWiST:Twitter: https://twitter.com/TWiStartupsYouTube: https://www.youtube.com/thisweekinInstagram: https://www.instagram.com/thisweekinstartupsTikTok: https://www.tiktok.com/@thisweekinstartupsSubstack: https://twistartups.substack.comSubscribe to the Founder University Podcast: https://www.youtube.com/@founderuniversity1916

In this episode, I'm talking about artificial intelligence. I know a lot of people are using it, but let me be clear, AI is your employee, not your boss. I had a conversation during one of my live streams where some folks got confused. Just because I used ChatGPT to check a fact doesn't mean I need to use it for everything. I'm breaking down why you should use AI as a tool not let it run the show. Show Notes:  [02:08]#1 You use AI as necessary and not use it when it's not necessary. [08:03]#2 AI is designed based on the aggregated information grabbed from the Internet. [17:38]#3 You must Learn how to use AI and automation as your employees, not let them use you as your bosses.   [20:37]Recap Episodes Mentioned: 3102: Give Advice ONLY If... Next Steps: ---

An exclusive interview with Beeple about AI, crypto and digital art on "CoinDesk Spotlight."Mike Winkelmann, aka Beeple, joins Sam Ewen on an episode of "CoinDesk Spotlight" with a conversation about the transformative potential of AI and the journey that led him from computer science to digital art and the NFT ecosystem. Beeple shares insights into the evolution of his artwork, the role of technology in his creative process, and the impact of AI tools in pushing the boundaries of digital art.-This content should not be construed or relied upon as investment advice. It is for entertainment and general information purposes.-Ledn is the leading platform for Bitcoin-backed loans, offering a secure and transparent way to unlock liquidity without selling your Bitcoin. Ledn has issued over $9 billion in loans since 2018 and has never lost a single satoshi of client assets, earning a reputation as the name you can trust in the crypto space.Visit ledn.io to learn more. -This episode was hosted by Sam Ewen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ep. 2223 - Trump's MASTERSTROKE: What Comes Next?! With President Trump's brave decision to destroy the Iranian nuclear facilities, all eyes turn to what comes next; the horseshoe theory Left and Right come together to caterwaul over the strike; and we talk about the permutations for American foreign policy moving forward. Click here to join the member-exclusive portion of my show: https://bit.ly/3WDjgHE Ep.2223 - - - Facts Don't Care About Your Feelings - - - DailyWire+: Join millions of people who still believe in truth, courage, and common sense at https://DailyWirePlus.com My new book, “Lions and Scavengers,” drops September 2nd—pre-order today at https://dailywire.com/benshapiro Get your Ben Shapiro merch here: https://bit.ly/3TAu2cw - - - Today's Sponsors: Perplexity - Perplexity is an AI-powered answer engine that searches the internet to deliver fast, unbiased, high-quality answers, with sources and in-line citations. Ask Perplexity anything here: https://pplx.ai/benshapiro ExpressVPN - Go to https://expressvpn.com/ben and find out how you can get 4 months of ExpressVPN free! IFCJ - Bring comfort and relief to Israel and her people by donating at https://BenForTheFellowship.org HIYA - Receive 50% off your first order. Go to https://hiyahealth.com/SHAPIRO Tax Network USA - For a complimentary consultation, call today at 1 (800) 958-1000 or visit their website at https://TNUSA.com/SHAPIRO Plus you'll get 10% off all services through July 4th as part of their celebration of Our Nation's Birthday. Tecovas - Right now get 10% off at https://tecovas.com/shapiro when you sign up for email and texts.  - - - Socials: Follow on Twitter: https://bit.ly/3cXUn53 Follow on Instagram: https://bit.ly/3QtuibJ Follow on Facebook: https://bit.ly/3TTirqd Subscribe on YouTube: https://bit.ly/3RPyBiB - - - Privacy Policy: https://www.dailywire.com/privacy

When are we getting our kickback from AI? Is "we're losing recipes" the greatest moment in the history of the University of Miami broadcasting? Are there any options besides being a plumber? And on a more serious note, is there a larger systemic issue in the NBA that is contributing to the epidemic of torn Achilles tendons? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Scott Nolan is the CEO of General Matter, enriching uranium in America to reshore domestic nuclear fuel capacity and power the American energy production needed to lead in AI, manufacturing, and other critical industries. General Matter is backed by Founders Fund, the first institutional investor in SpaceX, Palantir, and Anduril.Scott is also a partner at Founders Fund, where for the past 13 years he led hardtech investments across energy, infrastructure, manufacturing, aerospace, and defense. Companies Scott has worked with include SpaceX, Neuralink, Crusoe Energy, Planet Labs, The Boring Company, Nubank, Impulse Space, and Radiant Nuclear. Previously, Scott was an early engineer at SpaceX, where he helped develop the Merlin engine systems and Dragon capsule. He earned his Master's and Bachelor's degrees in Mechanical and Aerospace Engineering from Cornell University, and his MBA from Stanford University. Shawn Ryan Show Sponsors: https://www.americanfinancing.net/srs nmls 182334, nmlsconsumeraccess.org https://www.tryarmra.com/srs https://www.betterhelp.com/srs This episode is sponsored by BetterHelp — give online therapy a try at betterhelp.com/srs and get on your way to being your best self. https://www.shawnlikesgold.com https://www.drinkhoist.com - USE CODE SRS https://www.patriotmobile.com/srs https://www.rocketmoney.com/srs Scott Nolan Links: LinkedIn - https://www.linkedin.com/in/scottpnolan X - https://x.com/ScottNolan General Matter - https://www.generalmatter.com  X - https://x.com/generalmatter  Founders Fund - https://foundersfund.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ever feel like hitting pause on your career to raise a family is like pulling the emergency brake on your dreams? Well, what if that “pause” is actually a power move? Today I'm chatting with Neha Ruch: founder of Mother Untitled, the groundbreaking platform that's changing the way we think about ambition, motherhood, and career breaks. Her debut book, The Power Pause, is an interactive guide helping women view stay-at-home motherhood as a powerful, professional evolution. If you've ever wrestled with stepping away from your career or wondered how to make a comeback that feels aligned and empowered, this episode is for you. We're diving deep into how to intentionally plan a pause, find purpose in caregiving, and re-enter the workforce without missing a beat, so click play now! Goal Digger Facebook Community: https://www.facebook.com/groups/goaldiggerpodcast/ Goal Digger Instagram: https://www.instagram.com/goaldiggerpodcast/ Goal Digger Show Notes: https://www.jennakutcherblog.com/how-to-take-a-career-break-neha-ruch  Thanks to our Goal Digger Sponsors: Sign up for your $1/month Shopify trial period at http://shopify.com/goaldigger.  Find a co-host today at http://airbnb.com/host.  Transform your living space today with Cozey. Visit https://www.cozey.com: the home of possibilities, made easy. Move deals faster with an AI powered CRM your team will actually use. Visit https://monday.com/crm to learn more. Deposit or spend $5,000 in 90 days to earn up to $500 in rewards at ⁠mercury.com/goal⁠. Mercury is a financial technology company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard. Working capital loans provided by Mercury Lending, LLC NMLS ID: 2606284.

Nick Bostrom's simulation hypothesis suggests that we might be living in a simulation created by posthumans. His work on artificial intelligence and superintelligence challenges how entrepreneurs, scientists, and everyone else understand human existence and the future of work. In this episode, Nick shares how AI can transform innovation, entrepreneurship, and careers. He also discusses the rapid pace of AI development, its promise to radically improve our world, and the existential risks it poses to humanity. In this episode, Hala and Nick will discuss:  (00:00) Introduction (02:54) The Simulation Hypothesis, Posthumanism, and AI (11:48) Moral Implications of a Simulated Reality (22:28) Fermi Paradox and Doomsday Arguments (30:29) Is AI Humanity's Biggest Breakthrough? (38:26) Types of AI: Oracles, Genies, and Sovereigns (41:43) The Potential Dangers of Advanced AI (50:15) Artificial Intelligence and the Future of Work (57:25) Finding Purpose in an AI-Driven World (1:07:07) AI for Entrepreneurs and Innovators Nick Bostrom is a philosopher specializing in understanding AI in action, the advancement of superintelligent technologies, and their impact on humanity. For nearly 20 years, he served as the founding director of the Future of Humanity Institute at the University of Oxford. Nick is known for developing influential concepts such as the simulation argument and has authored over 200 publications, including the New York Times bestsellers Superintelligence and Deep Utopia. Sponsored By: Shopify - Start your $1/month trial at Shopify.com/profiting. Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING Mercury - Streamline your banking and finances in one place. Learn more at mercury.com/profiting  OpenPhone - Get 20% off your first 6 months at OpenPhone.com/profiting. Bilt - Start paying rent through Bilt and take advantage of your Neighborhood Benefits by going to joinbilt.com/profiting. Airbnb - Find a co-host at airbnb.com/host Boulevard - Get 10% off your first year at joinblvd.com/profiting when you book a demo Resources Mentioned: Nick's Book, Superintelligence: bit.ly/_Superintelligence  Nick's Book, Deep Utopia: bit.ly/DeepUtopia  Nick's Website: nickbostrom.com  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap Youtube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, ChatGPT, AI Marketing, Prompt, AI in Business, Generative AI, AI Podcast.

Simon De Baene is the visionary Co-founder and CEO of Workleap, a leading software company that makes work simpler for more than 20,000 companies in over 100 countries. Top 3 Value Bombs 1. Simplicity scales - companies that focus on fewer, purpose-built tools run leaner, faster, and smarter. 2. Most HR tools promise value but are underutilized and overpaid for - consolidation is key. 3. Business leaders need to stop chasing tech and start leading with intentionality and discipline. One simple employee experience platform to boost engagement, drive performance, and develop your people. Check out Simon's Website - WorkLeap Sponsors Franocity - Franocity has helped hundreds of people leave unfulfilling jobs and invest in recession-resilient businesses through franchising. Visit Franocity.com to book a free consultation and start your franchising journey with expert guidance. ZipRecruiter - See why 4 out of 5 employers who post on ZipRecruiter get a quality candidate within the first day. Just go to this exclusive web address to try ZipRecruiter for free. ZipRecruiter.com/fire. NetSuite - NetSuite, by Oracle, is your AI powered business management suite, trusted by over 41,000 businesses. Download the free e-book, Navigating Global Trade - 3 Insights for Leaders at NetSuite.com/fire.  

When John Edmonds began killing interdimensional aliens with a samurai sword at his Arizona ranch, he sparked one of the most controversial battles in UFO history — but the vanishing bodies and missing evidence raise disturbing questions about what really happened in the desert.Join the DARKNESS SYNDICATE: https://weirddarkness.com/syndicateABOUT WEIRD DARKNESS: Weird Darkness is a true crime and paranormal podcast narrated by professional award-winning voice actor, Darren Marlar. Seven days per week, Weird Darkness focuses on all thing strange and macabre such as haunted locations, unsolved mysteries, true ghost stories, supernatural manifestations, urban legends, unsolved or cold case murders, conspiracy theories, and more. On Thursdays, this scary stories podcast features horror fiction along with the occasional creepypasta. Weird Darkness has been named one of the “Best 20 Storytellers in Podcasting” by Podcast Business Journal. Listeners have described the show as a cross between “Coast to Coast” with Art Bell, “The Twilight Zone” with Rod Serling, “Unsolved Mysteries” with Robert Stack, and “In Search Of” with Leonard Nimoy.DISCLAIMER: Ads heard during the podcast that are not in my voice are placed by third party agencies outside of my control and should not imply an endorsement by Weird Darkness or myself. *** Stories and content in Weird Darkness can be disturbing for some listeners and intended for mature audiences only. Parental discretion is strongly advised.IN THIS EPISODE: In the remote desert of Rainbow Valley, Arizona, Stardust Ranch hides secrets that defy belief — glowing lights in the sky, strange beings lurking in the shadows, and unexplained phenomena that push the boundaries of reality. Are John and Joyce Edmonds the unwitting guardians of a portal to another dimension? Is their story a descent into madness? Or are we all fascinated by what is just an elaborate hoax? (Interdimensional Intruders: The Mystery of Stardust Ranch) *** In the abandoned halls of Gartloch Hospital, a century-old psychiatric facility on the outskirts of Glasgow, two nurses recount chilling encounters with spectral figures from the past. From mysterious footsteps echoing in empty corridors to a ghostly matron disappearing through locked doors, their stories paint a picture of a hospital where the line between the living and the dead blurs. Do the spirits of Gartloch's past still roam its wards? (The Ghosts of Garloch) *** In 1954, a wave of panic swept through Washington state as thousands of motorists reported mysterious damage to their car windshields. What began as a local curiosity in Bellingham soon exploded into a statewide phenomenon, sparking wild theories ranging from cosmic rays to hatching sand fleas. But was this truly an epidemic of vandalism and unexplained phenomena, or a textbook case of mass delusion fueled by Cold War anxieties? (The Seattle Windshield Pitting Epidemic) *** In the depths of Switzerland's Lake Brienz, a drowned man's body was found astonishingly intact — despite having been dead for over 300 years. Preserved by the rare and eerie process of saponification, his remains were encased in a waxy substance formed from body fat under the right conditions. This eerie phenomenon transforms bodies into waxy time capsules, defying the natural process of decay. We'll look at the creepy but somehow natural reality of corpse wax. (Corpse Wax) *** For centuries, scholars and enthusiasts have speculated about hidden messages encoded within ancient texts, with recent claims suggesting that the Bible itself conceals secret prophecies waiting to be uncovered. From predicting historical events like World War II and the assassination of Yitzhak Rabin to foretelling the Oklahoma City bombing, proponents of the "Bible Code" believe these codes reveal divine insights. Are these hidden messages genuine revelations, or merely the result of overactive imaginations and random patterns? (The Bible Code)CHAPTERS & TIME STAMPS (All Times Approximate)…00:00:00.000 = Lead-In00:01:37.388 = Show Open00:05:22.514 = Interdimensional Intruders: The Mystery of Stardust Ranch00:30:07.379 = The Ghosts of Gartloch00:40:24.733 = The Seattle Windshield Pitting Epidemic00:49:24.279 = Corpse Wax: The macabre Phenomenon of Naturally Preserved Bodies00:54:41.669 = The Bible Code: Secrets in Scriptures or Gullibility In The Gospels?01:05:31.556 = Show CloseSOURCES AND RESOURCES FROM THE EPISODE…BOOK: “The Link: An Extraterrestrial Odyssey, The True Story of Alien Contact” by Jonathan Reed: https://amzn.to/3BqrDgVBOOK: “Strange Craft: The True Story of An Air Force Intelligence Officer's Life with UFOs” by John L. Guerra:https://amzn.to/4egOZEjBOOK: “The Bible Code” by Michael Drosnin: https://amzn.to/4ehtH9HBOOK: “The Mysterious Bible Codes” by Grant Jeffrey: https://amzn.to/3MXHvdCBOOK: “Who Wrote The Bible Code?” by Randall Ingermanson, PHD: https://amzn.to/47zZMXY“The Bible Code: Secrets In Scriptures, or Gullibility In The Gospels?” source: Wayne Jackson, Christian Courrier:https://weirddarkness.tiny.us/3hkuxhdt“The Ghosts of Gartloch” source: Peter McCue, Spooky Isles: https://weirddarkness.tiny.us/c49ebhr3“The Seattle Windshield Pitting 'Epidemic'” by Vernieda Vergara for The Line Up (used with permission):https://weirddarkness.tiny.us/2p8bctd2“Interdimensional Intruders: The Mystery of Stardust Ranch” source: Marcus Lowth, UFO Insight:https://weirddarkness.tiny.us/2p9x3h6x“Corpse Wax: The Macabre Phenomenon of Naturally Preserved Bodies” by Kelsey Christine McConnell for The Line Up (used with permission): https://weirddarkness.tiny.us/2k66j62a=====(Over time links may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)= = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = =WeirdDarkness® is a registered trademark. Copyright ©2025, Weird Darkness.=====Originally aired: September 24, 2024NOTE: Some of this content may have been created with assistance from AI tools, but it has been reviewed, edited, narrated, produced, and approved by Darren Marlar, creator and host of Weird Darkness — who, despite popular conspiracy theories, is NOT an AI voice. (AI Policy)EPISODE PAGE at WeirdDarkness.com (includes list of sources): https://weirddarkness.com/StardustRanch

This week I sit down with writer and thinker Tim Urban, creator of the blog Wait But Why to talk: political polarization, AI, university campuses and even dating.  Tim brings his trademark clarity and curiosity to a conversation that covers the rise of tribal thinking, the challenge of nuance in a viral world, and how humanity can navigate the information overload of the digital age. ⁠www.moinkbox.com/coleman⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Twitter Space 19 June 2025In this episode, I explore various philosophical themes, starting with a light-hearted look at fitness before emphasizing the need for open dialogue and resisting political correctness. I encourage listeners to engage with the revival of my YouTube channel and discuss the philosophical growth of young adults, recommending literature on Stoicism and virtue.I tackle existential questions about suffering and morality, challenging conventional moral constructs and advocating for genuine beauty amidst nihilism. I also critique historical figures, illustrating the gap between success and ethics. Ultimately, I urge listeners to cultivate a moral compass that aligns with truth and virtue, emphasizing the importance of our shared philosophical journey.GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

Today, I'm talking with Hinge founder and CEO Justin McLeod. Hinge is one of the biggest dating apps in the United States — it's rivaled only by Tinder, and both are owned by the massive conglomerate Match Group, which has consolidated a huge chunk of the online dating ecosystem. Justin and I dug into that here, and we also explored some of the thorny issues around AI and dating, Hinge's monetization, and data privacy in the second Trump administration. This is a fun one, with a whole lot going on. I think you'll like it.  Read the full interview transcript here on The Verge. Links:  How We Do Things | Hinge Hinge's First Gen Z Report | Hinge Hinge's new AI feature judges your prompt responses | TechCrunch When Cupid Is a prying journalist | NYT / Modern Love Tinder CEO Faye Iosotaluno to step down in July | CNBC Match Group CEO Rascoff to lead struggling Tinder app | WSJ Replika CEO says it's okay if we end up marrying AI chatbots | Decoder Apple ordered to keep web links in the App Store | Verge Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Our producers are Kate Cox and Nick Statt. Our editor is Ursa Wright.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Pope Leo makes AI's threat to humanity a signature issue Why We Don't Talk About Job Destruction Israel-Tied Predatory Sparrow Hackers Are Waging Cyberwar on Iran's Financial System Iran restricts internet access to ward off Israeli cyberattacks The AI Slop Fight Between Iran and Israel It's Official: Streaming Is Now the King of TV AI search finds publishers starved of referral traffic Mastodon updates its terms to prohibit AI model training For the first time, social media overtakes TV as Americans' top news source Trump extends TikTok ban deadline for a third time The People Search Sites in the Suspected Minnesota Killer's Notebook Are a Failure of Congress 40,000 Cameras, From Bird Feeders to Baby Monitors, Exposed to the Internet Pavel Durov on his arrest in France, Macron, Russia, the FBI — and the fight for Telegram WhatsApp's rollout of ads will change the app forever Here's your first look at the rebooted Digg Host: Leo Laporte Guests: Jason Calacanis, Amanda Silberling, and Fr. Robert Ballecer, SJ Download or subscribe to This Week in Tech at https://twit.tv/shows/this-week-in-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: spaceship.com/twit uscloud.com canary.tools/twit - use code: TWIT storyblok.com/twittv-25 ZipRecruiter.com/Twit

Continuing on Natural Goodness, getting more into concrete cases of moral reasoning. How and why do we decide to keep promises, even in cases where violating them would produce more utility? How do we take into account different kinds of grounds in moral reasoning? Get more at partiallyexaminedlife.com. Visit partiallyexaminedlife.com/support to get ad-free episodes and tons of bonus discussion, including a supporter-exclusive part three to this discussion.  Sponsor: Visit IDOU.com/PEL for 15% off online courses on using AI in creative, human-centered ways.

Ready to dramatically boost your sales and engagement? Today, I reveal the number one most powerful factor for increasing your conversions across the board, and hint, it's about far more than just content! In fact, there's an ingredient that I believe you're likely missing: creating transformative experiences instead of just delivering information.  As Digital CEOs, we need to intentionally build journeys that leave our audiences changed, eager to engage, and ready to buy, and I share how we achieve this inside our own trainings and Business By Design. This episode is my invitation for you to shift your perspective to genuinely connect with those you serve, which will drive unparalleled results! If you haven't yet signed up for my free weekly newsletter for online experts, The Digital CEO Weekly, you can sign up now and get it delivered straight to your inbox every Monday morning at www.jameswedmore.com/newsletter.  Hey there, Digital CEO! If you're loving this episode and you know this is your year to finally build, launch, or scale your digital business the right way — then I've got something for you. Business By Design, my signature program that gives you everything you need to design a leveraged, profitable digital product business, only opens once a year… If you want to be the FIRST notified when doors are open, you can get on the waitlist for BBD 2026 right now. That way, you'll be the first to know when we open enrollment again (and trust me, you do not want to miss it!). Head to www.businessbydesign.net/ and join the waitlist today! Before you go, snap a screenshot of the episode playing on your device, post it to your Instagram Stories and tag us, @jameswedmore and @jeunejenni.  In this episode you'll hear: The power of experiences and why just giving content isn't enough  What I see with the "know-it-all newbie" epidemic and content commodity A stark warning about the dangers of over-relying on AI for critical thinking  How he allure of quick and easy solutions often leads to saturation and short-lived fads and where true, lasting success will comes from  What an “experience” will deliver for your audience and some of the ways in which we do it in both the Rise of the Digital CEO training and in BBD The approach to take that will get you your desired outcome as efficiently, effectively, fun, and conveniently as possible For full show notes and links, visit: www.mindyourbusinesspodcast.com/blog/775 

Scott Storch breaks down how producers make money, publishing and catalog deals, selling rights for generational wealth, and how Dre handled his catalog. He also clears up rumors about Suge Knight buying his catalog and shares wild industry stories, from Dre to AI disrupting insurance.

The robots aren't just coming—they're already here. And if you're not paying attention, they might not just take your job… they could take your personal data too. In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Doug dive into the rise of artificial intelligence, exploring whether it's a threat, a tool, or something in between. If you've been wondering how AI will impact your work, your privacy, and your future, this episode is a must-listen. They kick off with a surprising headline: Gen Z workers are sidestepping AI entirely—not by resisting it, but by choosing careers where machines can't compete (like landscaping and trades), and using AI tools to grow their businesses faster. This sparks a full-on basement debate about how technology has historically impacted jobs, what the next evolution might look like, and whether AI will make our lives easier… or just busier. In today's show: Why some jobs may disappear—but others are about to explode with opportunity The surprising role AI is playing in blue-collar and skilled trade growth Why being AI-curious (not AI-phobic) is your best financial move New tech tools that supercharge productivity—from transcription wallets to note-taking bots How AI is already transforming education and career paths What to do right now to stay ahead of the AI curve Then the guys shift gears to a more sinister topic: data privacy. CNET recently reported which free AI chatbots are scooping up the most of your personal info—and which are surprisingly respectful. The gang reveals which apps are best to trust, and which are like letting Zuck crash on your couch (bad idea). We'll also hear from listener John, who wants to hire a financial advisor but isn't sure where to start. Joe and OG break down how to find the right fit, why fees aren't the most important factor, and the one question that tells you if someone's worth hiring. Plus: Doug's trivia on egomaniacal coin designers A TikTok minute about U2, dating apps, and dad jokes Back porch chatter about Pontiac Azteks, water treatment careers, and IMAX concert pilgrimages Takeaway: AI isn't just a tech trend—it's reshaping our economy, our careers, and even how we learn. Whether you're a Gen Z worker, mid-career professional, or planning your retirement, now's the time to lean in, explore what AI can (and can't) do, and secure your future before the bots beat you to it. FULL SHOW NOTES: https://stackingbenjamins.com/ais-coming-for-your-job-how-to-outwit-the-robots-1699 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Our CIO and Chief U.S. Equity Strategist Mike Wilson explains why investors have largely remained calm amid recent developments in the Middle East.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast I'll be discussing how to think about the tensions in the Middle East for U.S. equities. It's Monday, June 23rd at 11:30am in New York. So, let's get after it. Over the weekend, the United States executed a surprise attack on Iran's nuclear enrichment facilities. While the extent of the damage has yet to be confirmed, President Trump has indicated Iran's nuclear weapon development efforts have been diminished substantially, if not fully. If true, then this could be viewed as a peak rate of change for this risk. In many ways this fits our overall narrative for U.S. equities that we have likely passed the worst for many risks that were weighing on stocks in the first quarter of the year. Things like immigration enforcement, fiscal spending cuts, tariffs and AI CapEx deceleration all contributed to dragging down earnings forecasts. Fast forward to today and all of these items have peaked in terms of their negative impact, and earnings forecasts have rebounded since Mid-April. In fact, the rebound in earnings revision breadth is one of the sharpest on record and provides a fundamental reason for why U.S. stocks have been so strong since bottoming the week of April 7th. Add in the events of this past weekend and it makes sense why equities are not selling off this morning as many might have expected. For further context, we looked at 23 major geopolitical events since 1950 and the impact on stock prices. What we found may surprise listeners, but it is a well understood fact by seasoned investors. Geopolitical shocks are typically followed by higher, not lower equity prices, especially over 6 to12 months. Only five of the 23 outcomes were negative. And importantly, all the negative outcomes were accompanied by oil prices that were at least 75 percent higher on a year-over-year basis. As of this morning, oil prices are down 10 percent year-over-year and this is after the actions over the weekend. In other words, the conditions are not in place for lower equity prices on a 6 to12 month horizon. Having said that, we continue to recommend large cap higher quality equities rather than small cap lower quality names. This is mostly a function of sticky long term interest rates and the fact that we remain in a late cycle environment in which the Fed is on hold. Should that change and the Fed begin to signal rate cuts, we would pivot to a more cyclical areas of the market. Our favorite sectors remain Industrials which are geared to higher capital spending for power and infrastructure, Financials which will benefit from deregulation this fall and software stocks that remain immune from tariffs and levered to the next area of spending for AI diffusion across the economy. We also like Energy over consumer discretionary as a hedge against the risk of higher oil prices in the near term. Thanks for tuning in; I hope you found today's episode informative and useful. Let us know what you think by leaving us a review; and if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

        Can technology help us defy time? ⏳

Tether CEO Paolo Ardoino returns to Bankless at a historic moment for stablecoins. With the Genius Act advancing in the U.S. Congress, Paolo discusses what regulatory clarity means for Tether, the future of USDT, and the company's plans to launch a domestic stablecoin. We explore the Circle IPO hype, Tether's eye-popping profits, its growing presence in the U.S. Treasuries and Bitcoin mining, and how grassroots distribution across emerging markets powers its dominance. Paolo also gives a glimpse into Tether's ambitions in AI, tokenized gold, and the battle to distribute the dollar where banks can't reach. ------

In the wake of President Donald Trump's decision to bomb Iranian nuclear facilities and the continuation of missile exchanges between Iran and Israel, stock, bond, and oil markets are in a holding pattern. This morning, we'll unpack how financial markets are responding to war headlines. Plus, the big tax and spending legislation includes a ban on state AI regulation and would override more than 100 local laws already on the books.

Tesla launches its robotaxi service in Austin. Apple is negotiating desperately to avoid an EU fine coming as soon as this week. Also, why doesn't Apple do some acquihires to get back in the AI game? Maybe Perplexity would be attractive? The Music industry gathers tools to detect AI. And is there a global divide growing when it comes to AI access?Sponsors:1Password.com/rideLinks:Tesla launches robotaxi service in Austin (Financial Times)Jony Ive Deal Removed From OpenAI Site Over Trademark Suit (Bloomberg)Apple locked in last-minute App Store negotiations to avoid Brussels fines (Financial Times)Apple Will Need to Leave Its M&A Comfort Zone to Succeed in AI (Bloomberg)Apple Executives Have Held Internal Talks About Buying AI Startup Perplexity (Bloomberg)The music industry is building the tech to hunt down AI songs (The Verge)The Global A.I. Divide (NYTimes)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this exclusive interview, Professor Mario Jurić reveals how the Vera Rubin Observatory accidentally discovered 2,000 asteroids in just 10 hours while testing its capabilities on the distant Virgo Cluster—transforming humanity's asteroid discovery rate from 20,000 per year globally to potentially over one million annually with a single telescope. Jurić explains how VRO's revolutionary multi-messenger astronomy capabilities will detect dark matter's effects and light simultaneously, automatically slewing to capture cosmic catastrophes like black hole collisions within 30 seconds of detection. From mapping dark matter in galaxy clusters 54 million light-years away to building Earth's first comprehensive planetary defense system against asteroid impacts, this conversation explores how one observatory is about to fundamentally change both our understanding of the universe and our ability to survive in it. — Please join my mailing list here

Hugh MacArthur is the Chairman of Bain & Company's Global Private Equity Practice, which he helped found more than thirty years ago. Hugh's consulting team works on around 5,000 investment opportunities every year and comprises the largest practice area at Bain. He also hosts the “Dry Powder” podcast, my favorite in the private equity space.   Our conversation covers Bain's work in private equity across due diligence, sourcing, value added support, and strategy for both GP and LP organizations. We then discuss findings from Bain's latest Global Private Equity Report, including data on the slowdown in deal activity, liquidity bottleneck, private wealth inflows, carveouts, AI, and competitive positioning. We close with Hugh's perspective on the winners and losers of the next era, and the strategies GPs and LPs need to pursue to come out on the right side of a changing industry.   Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership

[01:03:01 – 01:04:09] — Outrage Over Unilateral Iran Strikes Hosts express shock and anger at Trump's decision to bomb Iran without congressional approval, predicting escalation and criticizing the move as instigative and unconstitutional.[01:04:11 – 01:08:06] — Strait of Hormuz Closure Threat and Economic Fallout Discussion centers on Iran's threat to close the Strait of Hormuz, highlighting the potential for oil price spikes and global economic disruption due to regional instability.[01:14:53 – 01:18:11] — Critique of Zionism's Influence on U.S. Christians Criticism is leveled at the influence of Zionism within American churches, claiming theological manipulation has led to uncritical support for Israel and military aggression.[01:33:12 – 01:35:06] — China Condemns U.S. Strike and Calls for Restraint China issues an official statement condemning U.S. strikes on Iran, urging all parties to de-escalate and uphold international law and nuclear safeguards.[01:36:42 – 01:39:03] — Russia Compares Iran Strike to Iraq Invasion Lies Russia denounces U.S. attacks as violating international law, likening them to the fabricated justifications for the Iraq War and warning of global nuclear consequences.[01:52:25 – 01:53:20] — Tel Aviv Thanks U.S. for Bombing Iran A clip from Tel Aviv shows public support for U.S. military actions, prompting sharp criticism of American complicity in destruction across the region.[02:02:03 – 02:04:14] — Church Shooting Sparks Push for Armed Congregations Following a church shooting in Michigan, Polk County's sheriff urges all houses of worship to adopt active shooter response plans and bolster security, reigniting debate on arming congregants.[02:05:00 – 02:13:04] — Critique of Chemotherapy and Praise for Alternative Cancer Therapies A personal account of loss is used to critique standard cancer treatments while promoting the Templeton Wellness Foundation and manuka honey as viable natural alternatives.[02:14:01 – 02:15:53] — Fasting, EMFs, and Environmental Cancer Triggers Highlights the role of metabolic health, EMF exposure, and nutrient-depleted food in rising cancer rates, with pets cited as early warning indicators due to increased tumor diagnoses.[02:22:20 – 02:26:20] — Ivermectin and Fenbendazole as Cancer Protocols Cites doctors promoting dewormers like ivermectin and fenbendazole for cancer treatment, warns against low-quality online sources, and suggests a Canadian supplier as more trustworthy.[02:37:01 – 02:41:41] — B-17, Apricot Seeds, and Cancer Suppression Discusses historical suppression of B-17/laetrile as a cancer treatment, citing G. Edward Griffin's advocacy and promoting apricot seeds as daily preventative immune support.[02:41:43 – 02:45:16] — Glyphosate, Chlorine Dioxide, and Toxic Synergy Condemns Monsanto/Bayer for seeking immunity from glyphosate liability and promotes chlorine dioxide as a controversial but potentially effective method for detoxifying glyphosate from the body.[02:58:54 – 03:15:47] — Grace Schara Trial Recap: Alleged Hospital Negligence and End-of-Life Protocols Details the lawsuit involving the death of Grace Schara, a disabled patient allegedly given unauthorized sedatives and a DNR without family consent, raising broader concerns over hospital protocols during COVID.[03:16:01 – 03:21:45] — Suspicious Death of AI Whistleblower Suchir Balaji Examines inconsistencies in the reported suicide of a former OpenAI employee who had exposed copyright violations and criticized leadership, including forensic anomalies and surveillance failures.[03:24:01 – 03:32:13] — Dangers of AI: Surveillance, Tyranny, and Societal Dependence A wide-ranging discussion highlights AI's integration into daily life, citing loss of privacy, data abuse, blackmail potential, and fears of centralized control over human behavior and services.[03:32:15 – 03:37:24] — Creative Destruction: AI's Threat to Art, Work, and Human Connection Critiques the replacement of human-created art and labor with AI-generated outputs, lamenting the erosion of creativity, spiritual meaning, and the intrinsic joy found in skill-building.[03:47:24 – 03:55:28] — Economic Collapse Forecast and Artificial Recovery Illusions Explains how artificial stock market inflation masks broader economic collapse, blaming monetary policy and war for destabilizing the dollar and projecting a future of bartering and hardship. Follow the show on Kick and watch live every weekday 9:00am EST – 12:00pm EST https://kick.com/davidknightshow Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.comIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

Keith discusses the new power shift in the housing market, where buyers now have more power in the Northeast and Midwest.  Ken McElroy joins us to discuss the current state of the real estate market, highlighting a significant decline in apartment building values and a predicted further drop in home ownership rates, potentially below 60%. They note that while some states, like Arizona, have surpassed pre-pandemic housing supply levels, others, like the Northeast and Midwest, still face shortages. Ken emphasizes the importance of affordability and the shift towards renting, predicting a significant increase in renters. He also shares insights on strategic property investments and the benefits of buying at current market lows. Resources: Use the discount code "KEN10" to get a discount on the Limitless Expo event. Show Notes: GetRichEducation.com/559 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, apartment building values have crashed about 30% in the past few years. Well, it's the opinion of today's qualified guest that it's going to get even worse from here. We'll also discuss why rents in the Phoenix area are declining, and a bold prediction on a collapse in the home ownership rate and the hordes of renters that that will create all today on get rich education.   Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with a better business bureau and now over 5000 houses renovated. There's zero mark up on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs, and wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   Speaker 1  1:59   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  2:15   Welcome to GRE from the Tigris to the Euphrates to the Mississippi and across 188 nations worldwide. I'm Keith Weinhold GRE founder Forbes real estate council member, Best Selling Author, look for my work in the USA today as well, and you are back inside for another wealth building week of get rich education. What's all that really mean? Ah, I'm just another slack jawed mouth breather with a mic here. Before we get to today's guest, Ken McElroy, let me tell you about housing's new power shift and where we're at today. Three to five years ago, sellers held all the power in virtually every market because the housing supply was so miserably low everywhere. So you had more one tours of real estate and few that were willing to sell. That is still mostly true on a national level, but the new power shift is about the fact that the Northeast and Midwest are replete with home buyers. Queues of buyers are lining up for the few available properties like I've touched on before, and look low available housing supply in these areas, the Midwest and Northeast, that's not a symptom of mass in migration. Hordes of people are not stampeding into Buffalo for the nightlife. It's all due to chronic under building, partly from strict regulation, especially in the Northeast. A big part of the power shift, though, is that we now have fully 10 states that are above pre pandemic supply levels, and you'll notice that none of these are in the Midwest and Northeast. The 10 states are Arizona, which we'll talk about more today, Colorado, Florida, Idaho, Hawaii, Oregon, Tennessee, Texas, Utah and Washington. Here in these places, is where the tables have turned, because supply is catching up with demand in those 10 states. So that's where we're seeing softer home price growth and where buyers have the power, these are some of the states where you can find better deals. Motivated sellers and builders in these places will often buy down your mortgage rate, give you closing cost credits or reward you with incentives, like a free year of property management. In fact, our GRE investment coaches guide you for free to exact property addresses where builders will buy down your mortgage rate to 5% today, one of them will even give you a $9,800 post close credit instead, if you so choose. Often do. Those like that are in those 10 states. They're elsewhere too. You can get started at GRE investment coach.com, conversely, 40 states have less for sale housing inventory than they did as compared to pre pandemic times. This is where sellers still have the power some of the most competitive markets in the nation are buffalo, Hartford, Providence and Boston, where more than 10 active home buyers vie for every single listing. That's per Zillow. That's sort of the real estate equivalent of a Taylor Swift or Beyonce ticket queue. At the other end of the spectrum, shoppers have an easier time in Miami with only 2.6 shoppers per listing, followed by Houston at 3.4 New Orleans at 3.5 and San Antonio at 4.3 nationally active listings are up 31% over last year. That's quite a bit, but we're still 12% below pre pandemic, 2019 inventory levels. And is all this good news or bad news? It totally depends on who you are. If you're holding property in the Northeast and Midwest, you're pretty happy about this strong appreciation in the single family space, but in the southeast, appreciation is non existent. There's even mild depreciation, especially in parts of Florida. If you're looking to own more property in the nation's southeast quadrant, you're now enjoying less buyer competition. In fact, sellers are competing for you, and let's avoid being too assuming. Here I've been talking about things on the state level. States are not monoliths. Philadelphia is not Pittsburgh, Seattle is not Yakima. Cities have different supply situations. Even within one city, the scenario varies, of course, really the bottom line here is that today's recovery from 2022 national supply abyss has been an uneven recovery, where builders are frozen, appreciation soars, where builders hustle, buyers win. So if you're looking for deals, find that short queue.    Today's guest is a familiar one to GRE listeners. He's based in Scottsdale, Arizona, which is the Phoenix Metro. Arizona, though it's fast growing, is still just the 14th most populous state, but Arizona is an interesting market, because we're going to get to see what happens when you have an overbuilt condition, like we do there. We'll discuss that market and the national market as well. Get a key gage on the direction of rents, occupancy and prices, first in the single family space, and then we'll talk about apartments. Anyone that's paid attention to real estate that past few years. Knows that when mortgage rates spiked in 2022 single family values have held up, apartment values plummeted due to their interest rate resets. We'll get insight on if the beleaguered apartment space has bottomed out price wise, or if apartment values still have further to fall.    I'd like to welcome in frequent GRE guest, and he was also one of our earliest back in 2015 Ken McElroy. Ken authored a bunch of successful books, both within and outside of the rich dad series. He's also a well known, successful apartment syndicator with over 10,000 units across several states, and he's also in other parts of the commercial real estate sector, including billboards and self storage. So it's really great to have back on the show. Ken McElroy   Ken McElroy  8:57   good to be here, Keith, thank you. It's been 10 years, man, since we've been doing   Keith Weinhold  9:01   this? Yes, 10 years back in episode 25 since you were first here, more than a decade of this. So we know each other's work really well, and it's such an interesting time in the apartment space. I want to get to that later in our conversation today and really find out if you think that the apartment space has bottomed out. But before we do that, let's talk about the single family space. The audience should know that you can meet both Ken and I in person, as we're both faculty members on the spectacular real estate guys Investor Summit C, which is actually underway now. We're recording this just before the summit. So let's discuss the direction of rents and occupancy. We'll get to price later and Ken although most states still have a housing shortage statewide, Arizona's active housing inventory for sale is 24% above pre pandemic levels. That's what realtor.com tells us, and this. Deeply due to a lot of building, a lot of building usually does not bode well for price growth or rent growth. So tell us about rent, direction and occupancy in the single family space in the Phoenix Metro.   Ken McElroy  10:15   There's a bunch of things happening in the Arizona market. First of all, one is we've had a lot of people move here right in the last 4,5,6, years. Yeah, post pre pandemic, post pandemic, all of that. We are a pretty small state. You got Phoenix, got Tucson, you got Flagstaff, a bunch of other small cities that kind of surround some of those. But it's not like a Texas or a Washington or a lot of these California, like a lot of states, and have a lot of cities to draw from. If people move to Phoenix, that's pretty much where they're they start a lot of times, not every time, but and so it's really interesting. When we have net in migration into Arizona, it really moves the needle for most of these cities. Is kind of the point. And so we're always going to be affordable, we're always going to have great weather, it's safe. We got pretty normal politics, I should say, as compared to some of the others, we really do have a growing population. And so what happened? We had a nice run on the real estate. As you do, you know, we had a nice run on the apartments. We had a nice run on the single family that tapered off when the interest rates went up, essentially, right? You know, we actually built too much. We built too many apartments. We built too many houses. When interest rates went up, people kind of pulled back. That's what you're seeing now. So right now, it's a great time to be a home buyer. It's a great time to be a renter in most of those cities in Arizona specifically. And why would that be? It's because they have a lot of choices. So on the single family side, the listings have gone up, and therefore some of the prices have you know, people are starting to negotiate a little bit more. Now here's the interesting thing, Keith, if you measure it on last year or the year before, it has huge numbers, like you just quoted, you know, 24% but what's happening is things are on the market like 40 days, you know, you know what I mean, like from a week or two, it's doubled or tripled, as you know, that's still not a very realistic market. The market is still, in my opinion, pretty healthy. It's not unbalanced, and before it was a seller's market, and so it's just normalizing. And normalizing, to me, if you go over year, over year, over year, is I think MLS says four to six months of inventory, right? I think things are just normalizing. But if you've been through the run, this is like the end of the world, right? But it's not. It's just things are settling down, and it's the greatest time because they're supposed to be a little bit of friction between the seller and the buyer. I believe there should be just about right. It's never just right, as you know, it's usually pulls on one harder on one side or the other. But we just went through an incredible time where the sellers pretty much got whatever they wanted and the landlords pretty much got whatever they wanted, and so this is just pulling back, you know, the tide's going back out. There's no cause for concern, at least in my world at all. It's supposed to be this way, and we need affordability. We need people to be able to buy homes. We need people to be able to rent. Yeah, I'm in the landlord business, but I don't want rents to run. There needs to be a balance there, even though it's good for me, if it does, but it's not good, because what happens is, then the government gets involved, and what they need to get involved in is adding supply, right? And not capping the rents. You know, what they need to do is just work with developers. And you know, because we're growing here in Arizona right now, we're seeing a pullback, but I think it's needed. There's nothing wrong with this. It weeds out a lot of, you know, realtors that weren't doing much, that just got their license, were hanging around, say, with mortgage folks and title people and lazy contractors and all that stuff. So whenever there's a pullback, the professionals win.   Keith Weinhold  14:01   Well, this is some really good perspective here. We're all victims of the recency bias, and, yeah, you're talking largely about market normalization. What sure wasn't normal or healthy, in a lot of ways, was back in 2021 when you might have had 50 offers for one available property, and people had to bid 50k over the asking price, and they might have waived their inspection, which is typically not a good idea when we talk about rents in the direction of rents, especially there in the Phoenix metro with single family homes, which I know your wife, Daniil, is pretty intimately involved with. Typically, this new supply increases competition. It increases the competition for landlords competing for more of those tenants, which is something that typically is not good for rents. Have we seen declining rents in the local market there in Phoenix?   Ken McElroy  14:54   Of course, yeah. And I'll tell you, there's a bunch of factors. So there's always cross currents. People want one. Answer, but there's not right, like, so let's just pick on a whole bunch of things that went wrong at the tail end of all of this. It was Airbnb. Like, Phoenix and Scottsdale are a huge Airbnb market. I've rented Airbnbs there. Sure. It's incredible, right? And so what happened was a lot of people said, oh, I can buy this house, throw some furniture in it. And, you know, I can get 10,15, 20 grand a month in rent out of these things. And they were right. And then what happened was, there just was too many, so became oversaturated. So you're definitely seeing those back on the market. And so interesting fact, Heath, all you got to do is look at the pictures. And if you see bunk beds. You know, it used to be an Airbnb like, you know what I mean? So that was the one, but two, let's don't forget this run that we just had put a lot of people into the rental market for the first time on the single family side too. So we never really had this many landlords on the single family side as well. And so there's all these mistakes that people made. They bought incorrectly. They had capex work. They bought with floating rate debt. And when rates went up, they weren't cash flowing. They wouldn't know how to manage them. So So there's all this stuff that was kind of going on behind the scenes, on the apartment side of the equation, which is where I hang out. Mostly, I watch all this. And because my class A buildings are competing for single family. They have single family typically wins because it has a yard, has a garage. Nonetheless, I gotta pay attention to it. So it's been interesting to watch. At one point you could not find a home in the Scottsdale area under 500 grand period like nothing. And now, of course, those are starting to come down a little bit more, and there's some softness in the rent, so the renters are have more choices. Now, why is that? There's a couple reasons. If you're a renter and you're looking for a place, you know, I'm sure you're considering a house, but not everybody wants a house, especially if you're single or maybe it's just you and somebody else, and maybe you don't have a pet. There's a lot of reasons that people just don't want to have to a home. So you've got condos and you've got apartments and you've got homes, and then you have school districts. So people definitely want to be in certain school districts based on their children. So you have all these cross currents going on, on where people want to be. And so what does all that mean? What that means is there are certain markets, from a rental standpoint, that are doing extremely well, still, both on apartments, on condos and houses. And then there are other markets that absolutely are not just depends on the concentration of all those things and all those factors that are going on. The one thing that's actually disrupting a market more than anything is apartments and condos. Because, for example, Danielle just had a condo that she owned, and the condo was worth, let's say, 300 grand, but it's probably 25 years old now, yeah, and there's apartments going up, you know, a block from there, right? So her renter is said, you know, I'd rather go over here. Brand new amenities, nine foot ceilings, brand new fitness center, all this stuff. So apartments really do reach into that rental market a little bit. And so there is some spillover between that. But primarily what's going on in Phoenix is there's a lot of new construction. And not just Phoenix. This is Tucson and Greater Phoenix. There's a lot of new construction that was started when rates were low. They were started in 2122 and you know, like, because I'm a builder, it could be a year to 18 months when we're opening a project from the time we put our the shovel in the dirt, we're not even open for a good 18 months. So there's a lag period. And those started opening in 23,24 and certainly 25 and these big projects, two, 300 unit projects, which I have several going right now, they're one to two year lease ups, so you could be looking at two or three year lag on some of the housing that's being provided. So that's all here now that is been good for renters. There's a couple horror stories going on, and I'll just explain. So downtown Phoenix, there was a whole bunch of apartment projects and condo projects that were built trying to attract people to live in downtown Phoenix? Well, there's challenges for downtown Phoenix too, and we won't have to get into that. I don't particularly think that there was ever the real demand for the amount of housing. So what you've done is people build a lot of housing in concentrated areas around the stadium in West Phoenix, near the Cardinal Stadium downtown Phoenix, you know, right in the heart of the business district. So if you were to rent something today, it would be four months free on a 12 month lease.   Keith Weinhold  19:48   Wow, that's about the steepest concession I've ever heard of in my life.   Ken McElroy  19:54   Yes, that's today. So all you gotta do is Google it and you'll see. And the only reason that happened, Keith, is. Is because there was too many units delivered at at a short period of time, and there was the demand, wasn't there? Gosh, now go 10 miles up to Tempe, go to Chandler, go to Scottsdale. No concessions, right? So again, you know, when you look at a market, you're going to see that it typically a lot of these concentrate in certain areas. And so there's a lot of areas in Phoenix where the consumer or the renter has an upper hand a lot. And so they're driving their choices based on their monthly rent. All of that plays into this thing, but the there's areas that are rock solid. And you know that would be Scottsdale, Tempe, Chandler, Gilbert, and there's areas that are over built that would be the west side, downtown Phoenix, the south side, there's areas that there's pockets that you know are in disruption you can kind of pick your poison, right? Like, if you're a landlord, there are areas that you want to buy in areas that you don't want to buy in. And as a renter, you have the same kind of choices. So when you blend it all together, you guys get the national news. But really it's pretty pocketed, just like it can be in any market.   Keith Weinhold  21:12   Well, you bring up so many good points there. Some of these markets that have done more building than usual are in this situation where there is landlord competition for tenants. Now, nationally, we're still under built, so it's interesting to talk about one of these overbuilt conditions in that competition for tenants, like we've been talking about, in general, a tenant prefers a single family home, and it's privacy for sure. They can't always afford that, but the apartment market and the single family rental market are somewhat interrelated, because if there's so much new apartment supply, it's got the appeal of being brand new, and there might even be concessions given, like you've mentioned there Ken and that can make it very attractive for a potentially wannabe single family home renter to go ahead and rent an apartment instead. So this glut of new apartment supply actually can affect the single family rental market somewhat, and competition is really interesting. I mean, certainly in my real estate investment career, I've experienced that. The first time I ever experienced that was that I owned several doors, and they were about 25 years old, and they had garages, each one of them a new apartment complex was built close to those so brand new, and you had to drive by this new apartment complex. Everything nice, shiny new, painted new parking lot, everything a prospective tenant had to drive by that in order to get over to look to my units. That softened my rent somewhat. The one thing that saved me a bit is that my running units were in Anchorage, Alaska, I had the garages with my units. The new apartment building didn't. They only had carports, so I did have a differentiator to help soften the blow in a rental market that became more competitive. Tell us more about the competition for tenants there in Phoenix, whether that's on the single family side or the apartment side can with concessions. And does that mean that you're altering the length of leases there in the local market? Or tell us more about how you're doing that competition?   Ken McElroy  23:10   It's a great question, yeah. So I would say generally, a home is going to be about 1000 bucks more on the average, like if you were just to put a number on it, three bedroom, Rambler type home with a garage in a yard. It's going to be maybe three grand. That apartment, the equivalent was is going to be maybe two grand. So roughly, those are kind of the numbers. But what happens if you're going to rent a house, you're definitely going to pay more money, that's for sure. And of course, depending on the area, depends on the on the rent. Now what's happening in a lot of these markets, like West Phoenix, for example, where you have 1000s of units being added at once, and you get this one month, two month, three month, and the extreme, of course, being four months free, if you're a renter and your rent is two grand, but you get three months free, let's say or four, you're going to take that deal, right? Because your your your average rent is, what 12,13, $1,400 a month, not 2000 so all of a sudden, it's going to impact those single families. So what's happening right now is the apartments that got delivered in in a lot of these geographic areas, these sub markets are definitely impacting the single family rental market. Now, if you're a family and you've got kids and you got pets and you want to be in a school district, you're not even looking you're basically just trying to find the best deal on a home. I get that. But if you have a choice, the rents are about the same, you're going to take the house, sure period I would, you would. So now what's happening is there's, there's such a difference between the rental price of a home versus the rental price of a brand new apartment that people are going to gravitate to the apartments, because those landlords trying to fill those things up are scrambling and marketing to anybody. And everybody and cutting whatever deals they can, because they're just trying to get out of those construction loans. It's a weird market right now. And of course, there are areas Keith that this does not exist at all, right, like you go into like Tempe, and you're not going to have because it doesn't have the available land, you know, which is around Arizona state for example, the Arizona State University. You go into North Scottsdale, you're not going to find this because North Scottsdale doesn't like apartments. And, you know, the homes are a million bucks and up, but there are definitely pockets where this is happening. So if you're a renter and you have choices, this is a great time for you and and to be honest, it's about time, because it was a seller's market and a landlord's market for a long time, and so it's just reverting back to the mean.   Keith Weinhold  25:46   Let's wrap up the discussion about rents and occupancy with what's happening nationally. Ken, since in apartment buildings, you invest in multiple states there, we know, for example, that the home ownership rate recently fell from 65.7% down to 65.1% fewer homeowners means more renters. But that doesn't necessarily mean that they're all going to be absorbed immediately, either. So talk to us about that.    Ken McElroy  26:13   There's an affordability problem, right? We haven't seen a massive adjustment with house prices now you have in areas, of course, I saw your recent podcast on Florida. You know how right the price of a house is, is less than a car today? Yeah, you're right, like so, but what's happening is there are markets that are pulling back, right. There are markets that had a bigger bubble than others, and they're pulling back. And so there's great deals in those markets. A lot of areas in Florida being one of those markets, there are other markets where you don't have that. So we are definitely seeing the same thing. And so we're having, in my opinion, it's the greatest time, because you have people that are, I think, should be able to buy a home. But interest rates seem to be holding at Six 7% and the pricing, albeit, hasn't run like it has, but it's certainly not pulling back like crazy either. It's still over 400 on the average, you know. So if you look at the delta between what it costs to buy a home just mortgage only, and you look at what it costs to rent, it's never been bigger. So the difference between your rent, the rent and a mortgage, has never been bigger. And the other thing Keith, that doesn't get talked a lot about are everything non interest rate and everything non mortgage. So let's start talking about insurance. Let's talk about property tax. Let's talk about, you know, capex. So there's a really good survey that bankrate.com did that said that right now, the average cost to own a home, not mortgage, is 1500 a month. So now that's average. I'm sure there's some that's less. I'm sure it's some that higher. So when you take 1500 a month to own it, plus the mortgage you're talking about quite a bit. It's a heck of a financial commitment when you can just rent for 12, 1314, 1500 and call it a day, you're going to move the needle twice as fast, and you're going to be able to get out of whatever financial situation you're in twice as fast when you don't have all those other costs. So what's really going on now? And the reason why you're starting to see this home ownership rate go down, and I actually make a prediction, gonna do it right now on your show, I think it's gonna go down below 60. I think for the first time in our history, we're gonna see home ownership in the 5050 nines, which is a massive statement. But if you take a look at under Obama got up to 69 and then it was, first of all, it was Clinton, and before that, and then kind of ran, but then it kind of got pulled back under the Bush, and then Obama kind of took the brunt of it. You know, when all that stuff was falling out, but it's been falling, and it's falling. Why it's falling? Because people can't afford a home, and they need to be able to afford a home. So we can't build affordably. The single family market is not affordable, and inflation surpassing wage growth, so you have this massive shift of people, in my opinion, moving from home ownership to the rental side. And there was a time where 1% shift Keith was 1 million people,   Keith Weinhold  29:27   1 million new renters, with every 1% drop in the home ownership rate   Ken McElroy  29:32   was 1 million people. So imagine that it doesn't sound like much when you go 65.7 to 65.1 right? That's a lot of people. When you got about 142 million people in the US, or a billion, right? 340   Keith Weinhold  29:46   350 million in 300 Yeah, about 145 million houses,   Ken McElroy  29:51   45 million, yeah, something like that. So you start to take a look at these numbers. They're massive. So these little 1% movement. It is a lot of people. I think we're going to continue to see it. People need to put their stake in the ground here and get on the landlord side of this, because we're going to see a massive shift of people because they can't afford they're going to be permanent renters, renters for life. And it's not good. I'm not advocating, but it just is what it is, with wage destruction, with inflation, with the affordability, the way it is, people are going to be forced into the rental side of the equation, whereas before, we were always kind of working on the fluctuations of the interest rates and the policies of the President, let's say, or whatever it was, to try to get people to be homeowners, or whatever it might be. Now, we might be in some kind of a permanent state unless something really changes, because we're four or 5 million houses short in the US as a result of the last 20 years. As you know,   Keith Weinhold  30:54   I recently saw a media article that was titled The hidden cost of home ownership, and they were talking about hidden costs as things like maintenance, property taxes, property insurance, utilities. I don't know how in the heck those costs are hidden. Any prospective homeowner needs to be aware of those costs, and inflation impacts those costs, where inflation cannot impact your fixed rate, principal and interest payment. There we have it a brazen prediction from Ken that the home ownership rate will drop below 60% in this cycle and the hordes of renters that that's going to release, we're talking about the direction of rents and occupancy in both Phoenix and the nation at large. We're going to come back after the break and talk about the direction of real estate prices. You're listening to get rich education. Our guest is Ken McElroy. I'm your host. Keith Weinhold.   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. 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Can you corroborate Is that what you're seeing as far as values go there on the ground, or is it different in the sub markets    Ken McElroy  34:20   it's definitely different in the sub markets, but I would definitely concur that it is flat, Keith, it's a very interesting time. People are used to selling things fast. Oh, I'm going to sell this and it trades, and then they're moving it right to something else. They're not used to the markets that you and I grew up in, right which is, you remember the old days where we would list something and it might be on the market for three or four or five months. These people, these kids, these let's last 10 years, they have never seen anything like that. So for me, I think we're just moving back to what I would consider to be normal. I don't see a problem with flat at all. In fact, I think homes are unaffordable and. And flat isn't necessarily bad. That means that both sides are kind of doing deals. That means the seller doesn't hold the cards, and it means the buyer doesn't hold the cards, and so right now is a great time to buy because if a seller is sitting on something for even a couple months, they're not used to it. There's deals to be had right now. And it's, I think, if you have the dry powder and you have the ability to move, is a great time to buy.   Keith Weinhold  35:26   You had mentioned, when we were talking outside this show, that your wife, Danielle has made some interesting moves in her single Yeah, yeah, tell us about that.   Ken McElroy  35:36   It's a fantastic move. I mean, one of the greatest, obviously, I'm doing these big apartment deals, she can't relate, and she's doing these small houses, which she loves. She doesn't like debt. She likes to pay them off, and she manages them all herself. And so she bought this condo years ago, and it's worth about 300 grand, and she paid like 164 years ago, and the rents have dropped. You know, per our last conversation, they were used to be around 1900 now they're around 1700 but the same time, rents have dropped. And why would rents drop? Because there's more competition. There's new apartment buildings being built around the area. The tenants have more choices. Again. There's, you know, rents came down a little bit. So she lost couple 100 bucks a month there, and the HOA hit her with costs. Our insurance went up, our landscaping went up, so all of a sudden their HOA fees started going up. So the rents came down, and the HOA costs went up, squeezes on, yeah, so all sudden she's got this squeeze and so she's looking at it. And I said, you really ought to take a look at your what we call imputed equity. In other words, she has no debt on this thing, so she literally has another way to say it is she has 300,000 sitting in a condo, an asset. What does it matter? What it is and she gets maybe, what does she make it 500 a month, maybe $6,000 okay? Net Cash Flow a year, right? Nothing. So you take your 6000 you divide it by your 300 and it's not a very good return. Yeah, eight. Okay, so she's looking at what we call imputed equity. What's your return on the equity you have? Okay, so she said, I'm going to start looking at these homes that have, like you said, the garages and the yards, because again, we know that should be able to get closer to $3,000 a month on those so she started scouring, and she found one, and it was about 450 grand. So she had to come up with another 150 grand. And so what she did was she sold the unit, the condo she had that had rising HOA and lowering rents for 300 she did a 1031 exchange into the $450,000 house, and then she had to come up with another 150 but her rent now is three grand, and she was able to increase her cash flow By almost $1,000 for a month. So that extra 150 generated about $12,000 of net cash flow gain. And so again, she just purely looked at the math on one and did a 1031 moved it into another one. And now she's super happy it's in a home. And as you know, in a lot of these homes, not always, but you tend to have people that don't move as much. So this the guy that moved in has his son. He has him in a local school. He's young. He's probably going to be there for years, so she's probably not going to have the turnover that she would in a condo project. That's really more like an apartment building. That's what she just did. And so don't forget, when prices are high, you're exiting high and buying high. When prices are in flux, a little bit like they are flat, you're going to be able to find deals. So it's a really good time to take a look at imputed equity and what's your real, true return, and is there a better asset class for you to be able to move that money into? Because this is truly about managing money and maximizing your return on your own dollars. And that's a move that she just made, and she's going to be on the cruise. She'll see you, and I'm encouraging her to actually do a talk on it, because there's a lot more detail to how she pulled it off. But it only took her, like, four or five months to do it, and it worked perfectly.   Keith Weinhold  39:22   Yeah. Well, congratulations there. I'm a fan of debt around here, as you know, on the summit, Daniel and I'll have to have a chat, and I'll talk about why financially free beats debt free and all of that. But I would love to hear her reply. She probably has some really good, sound reasoning for that can nationally apartment values have followed perhaps an astounding 30% because the way I see it is that three or four years ago, there were tons of new apartment starts with those freakishly low mortgage rates like you touched on. Start to completion of an apartment building can be as long as two years. So those starts have now become completion. Dollars, and they need to be leased up. So that's the glut, and that's why apartment vacancies are common in a lot of American markets today, with higher mortgage rates now, we have fewer starts and with less new future apartment supply coming onto the market, which would have been completed in 2025 to 2027 I mean, that's something that could portend well for the future, but the current apartment glut still needs to get absorbed by tenants. So talk to us about that.   Ken McElroy  40:29   That's a great, great tee up for me. Okay, so I'm going to do seven transactions this year. Now, that's all 200 plus units. So I bought 360 unit building and brand new in Las Vegas. We just closed on a 282 unit in north Scottsdale. We bought 152 unit in Phoenix. And on and on and on and on and on. We're really, really, really busy right now, because, to your point, why would we be doing that now? Here's why apartments are valued based on how they're operating period. So high vacancy, high concession, flat rents, high expenses. That's all bad if you own it, it's really good if you buy it. So you want to buy at today's numbers, and that's what we're doing. We're buying at today's numbers, and we think that there's a little window that we've got through 26 to be able to acquire a bunch of apartments at these low values. To your point, they've definitely dropped. There's another case as to why, because the next piece is when the mortgage rate's high, cash flow is less. So when your mortgage payment is higher, all things being equal, your cash flow is less. So when rates went up, then people could pay less, and that drove values down. So if we could lock in today with all this disruption, so that's what we've been focused on. And it's been a very exciting year for our company. And in addition to that, to your point, but you and I have never spoken about, we just broke ground on another deal, and we're just leasing up on a deal down in Tucson that we're we're a 300 unit building that we're just finishing, and we just broke ground on a 312 unit, and we got a couple more slated because we're trying to break ground today. And why would we would break ground today because there's not a lot of subcontractors bidding on the stuff. So we're getting better pricing. The interest rates are high. This is true. That's not necessarily a positive, but we're breaking ground in anticipation of opening in two years, when all this stuff gets absorbed, we're going to be opening and so, you know, if we could time it today with 25 we break ground, we're going to open in 27 this stuff will be absorbed by then the blood will be in the streets in 25 and 26 and maybe early 27 and then it's going to shift again, Keith, and you know, people are slow to react. And so we think we're going to hit this little window at optimal time to be able to open up brand new product in two years.   Keith Weinhold  43:05   That's great. Ken we've been having these conversations for over a decade now, I know, and the way that I see it is that MC companies, your company, was built exactly for times like this. Is that to say that you think apartment values have reached their bottom,   Speaker 2  43:22   so I actually don't think they have yet. That's a funny comment, and here's why, because we also went through this extend and pretend time with lenders, right? So the lenders, whoever bought something, was trying to hold on to it forever. But now, with this new administration and the battle with the, you know, Powell still in office for another year. Who knows really, what's going to happen with rates? Maybe a quarter here, quarter there, whatever. But the reality is, there's no relief in sight. It doesn't appear. Because now we have this high vacancy, we have high expenses, and I don't think there's going to be a lot of interest rate relief. And so I think the lenders are going, you know what? We're gonna start listing these. So we're starting to see just in the last few months, brokers call. I got a call the other day from a broker out of San Antonio. He said a lender called me. They gave me nine deals. He said the keys, they gave me the keys on nine deals now and then I got another one in Dallas. It was 35% occupied, and the loan was 25 million, and the guy said they would take 14, so that's an $11 million haircut to the lender. So you're starting to see these. These are coming into my emails, right? Because they flooded. We are kind of deal. Yeah, it's so good. Now I've passed on everything so far because I think the knife is still falling a little bit, and so I think we're in the first few innings of seeing these kinds of deals, and there needs to be a lot of them, right? Like they need to be everywhere. And then when they're everywhere, everything's listed, and people are looking at them, and there's all this interest, then I think we're going to be at the bottom, but we're darn close. I mean, we're darn close, I would say. Right? We're probably by end of the year close. That's why, if a prudent investor, is getting their dry powder together, now they're meeting with their broker relationships, now they're meeting with their lender relationships, now they're putting together their LPs, and they're starting to go out and look at deals. Now, even if it's no no, no, no, no, no, no. This is the time for you to build relationships and be ready to strike when you start to see stuff this year, toward the end of the year, will will be the bottom and then I also think next year is going to be rocky for a lot of things. Then you're going to see a lot of lender write offs.    Keith Weinhold  45:37   This is really good guidance for what you the listener, can accidentally do if you are a prospective apartment building buyer. Great insight there. Ken. Ken, yes, you and I are about to be together on the real estate guys Investor Summit to see but there's another great event that begins at the end of next month that you put together.    Ken McElroy  45:59   Tell us about that. This is great. I have now we have about 4000 investors. So these are all high net worth people that invest with us. And you know, this is our 24th year in business. So when I meet with all of them, we used to do these investor summits, they would say, What about gold? What about silver? What about oil? What about water? What about timber? What about self storage? What about Office? What about retail? So I'm like, I'm going to create a conference where I can have everything in one spot, and we can invite high net worth, accredited people be able to come there and listen to the best of the best. So no professional speakers, just people that are really doing deals. You know, like we have guys that are building wellness spas and hospitality. Obviously, we have some single family. We got multi family. Got a retail guy, industrial guy, commercial guy, office guy. We got a gold panel. And then we got these economists, and you probably know some of the names. So we got George gammon coming. We got Jeff Snyder, who's unbelievable Euro dollar University. He's coming. We got Brent Johnson, who created what's called the milkshake theory. And just Google it, you'll see it's all about the central banks. We got Jim Rickards, who wrote currency wars and a new case for gold. And we got Lawrence Lepard, who just wrote this book called The Big print. All coming as speakers unpaid, and they're just going to try to deliver the best value they can to the people. Because I tell you what, Keith, I don't know about you, but it's confusing. I'm reading about tariffs, I'm reading about inflation. I'm reading about unemployment. I don't know where interest rates are going. I'm feeling it at the street level, at the main street level, with my apartment buildings, they're harder to manage. The expenses are going up. I try to create this environment to where people can show up and hear real real things, and they can make real decisions and course correct, right, and also take advantage of of some other things. We're also having a manufacturing panel, and I got a whole panel just on the Trump tax bill, because the opportunity zones, the bonus depreciation, all the stuff, these are things that you can do to be able to take action. So this is limitless expo.com. Since we're on your show, they can do KEN10. KEN10, which is a discount, the prices do go up. Obviously they're the highest. They are in July, because that's when the event is but in June, they're still lower. So I would suggest that people go this year, especially with this new administration, and everybody's like, what is going on? Hopefully we can it's starting to clear up some of the confusion that we all have right now and try to figure things out.   Keith Weinhold  48:36   It seems like all we do know is that we don't know limitless ought to help clear some of that up. It is July 31 to August 2. Tell us where it's taking place.   Ken McElroy  48:47   Yeah, it's at the gaylord in Texas, in Dallas, Texas. It's called the Gaylord Texan. It's limitless expo.com. Now we did it last year. There'll be 2000 people. We have 50 speakers. We have five stages, 50 speakers. It's a really high end event. What I mean by that is these are real people doing real deals with real businesses, real investors. It's been fantastic. I haven't had to pay speakers because of the quality of the attendee. That says a lot. It's really been interesting and great. And by the way, I don't really think having big speakers to sell tickets is the way to go. I'd rather have a real quality event, and it's really interesting once you set your mind on something. Because my investors and other investors show up because they do more than invest in just what we do. Like real estate. Everybody wants a little piece of real estate, but they also want to know about Bitcoin. They also want to know about gold, you know. And these are things that I'm not that proficient in, you know. I want to hear from experts in those fields. So it's really been a great, great event.   Keith Weinhold  49:48   You kind of crowdsource the need. You listen to what your audience was asking about, and then you delivered it for them. Limitless expo.com, use the discount code KEN10 to get. Get a discount. Ken McElroy, it's been great chatting about the direction of rents and prices in the both single family space and apartment space. It's been great having you back on the show.   Ken McElroy  50:09   Yeah, for sure. Keith, always great. Man. Good seeing you.   Keith Weinhold  50:18   Yeah. Ken, decidedly bullish on buying real estate, even calling it a great time to buy. He basically believes that because buyers have more power than they did three and four years ago, and they have more options, an emphatic prediction that the home ownership rate will fall below 60% there is profundity here. I mean, the census figures on this go back to the 1960s and the lowest it's fallen in all that time was 63% by the way, homeownership peaked in 2004 at 69% apartment values have crashed about 30% and It's probably going to get worse. So the worst isn't over, but likely will be by about the end of this year. So in Ken's opinion, most of the worst is over. I'm reading in between the lines there on that one. Hey, I hope you've been enjoying this show lately. Next week, we're going to change things up somewhat here. Recently, we've had rather prominent guests on the show, like the father of Reaganomics, David Stockman, then Russell gray last week, this week, the owner of 10,000 running units, Ken McElroy. And you know their perspectives and experience and influence, they are terrific. And I trust that you've learned from them. Next week, we'll have two GRE listeners here on the show, regular listeners, perhaps people more like you, because you can probably relate well to their stories. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  51:59   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  52:22   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text GRE TO 66866   The preceding program was brought to you by your home for wealth building, get richeducation.com    

Guy Adami and Dan Nathan discuss upcoming market-moving events such as FedEx and Nike earnings, Fed Chair Powell's testimony, and critical economic indicators like the PCE inflation reading. The conversation also covers the market's response to escalations in Iran, implications for crude oil prices, and the broader economic impact. The episode outlines market dynamics, investor sentiment, and strategic insights amid evolving global scenarios. After the break, Dan Nathan hosts Stephanie Guild, CIO at Robinhood. They discuss the Fed meeting outcomes, expectations on interest rates, and economic impacts of tariffs and geopolitical tensions. They delve into market reactions, S&P earnings projections, monetary policy, and investor sentiment. Stephanie provides insights on tech disruptions, AI's influence on the economy, stock market valuations, and opportunities beyond the mega-cap tech stocks. They also explore the strategic operations within Robinhood, such as their new asset management service and how they're leveraging AI to enhance customer experience. The conversation highlights the adaptability required in today's market environment and Robinhood's approach to staying competitive. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

You've gone too far Timbaland!! We accepted that you don't really care about us when you sold Versuz, but in the year of our Sinners, you are really going to release an AI artist? The audacity of this...Anyway, Tatiana and Benhameen had some words about AI, its use in creativity and much more on this episode of ForAllNerds, as well as everything else going down in the week in geek!!Thank you for watching!!! FOLLOW ON SOCIAL: Twitter.Com/ForAllNerds Instagram.Com/ForAllNerds Twitch.TV/ForAllNerds GET YOUR FORALLNERDS MERCH HERE: Forallnerds.com PATREON: Patreon.com/ForAllNerdsBecome a supporter of this podcast: https://www.spreaker.com/podcast/for-all-nerds-show--5649266/support.

A new special series is here, and yes, it's short enough to fit between meetings—or bathroom breaks. Jay Schwedelson teams up with Daniel Murray for a 10-minute hit of marketing smarts, and this one's all about AI. They go beyond the basics to talk prompt jacking, answer engine optimization, and why your ad swipe file should be best friends with ChatGPT.Best Moments:(01:57) The easiest AI workflow for repurposing transcripts into 10+ pieces of content(04:05) How to test if your website is “answer engine optimized” for ChatGPT(05:35) Why checking the sources ChatGPT pulls in matters—and how to use them(06:08) Prompt jacking 101: reverse-engineer viral images and posts instantly(07:03) Daniel's trick for writing headlines in the style of Ogilvy or Halbert(08:10) Yes, there's an F1 movie and yes, Daniel is hypedFollow Daniel's show The Marketing Millennials and let them know on LinkedIn what topics you want next.Prompts from this episode:1. Podcast/Transcript Repurposing PromptDescribed by Daniel Murray:Upload your transcript to ChatGPT and prompt:“Act like [insert expert type—e.g., paid media strategist]. Based on this transcript, what are the top 5 takeaways that would matter most to someone in that role?”Then:“Format this into [a tweet thread / LinkedIn carousel / email / blog post, etc.].”2. Answer Engine Optimization (AEO) PromptDescribed by Jay Schwedelson:Start by asking ChatGPT:“I'm looking for the best software for [your industry/problem].”If your company doesn't show up in the answer, follow up with:“What prompt should I use to audit and optimize my website so that it becomes a top recommendation when someone asks that question?”Then feed it your URL and ask for specific improvements.3. Source Analysis PromptDaniel adds a follow-up idea:“Can you analyze the sources you used to generate this answer? Why were they selected, and what makes them authoritative?”This helps reverse-engineer the pages ChatGPT is favoring in its answers.4. Prompt Jacking / Image Reverse-Engineering PromptJay's tip for swiping viral content:Screenshot a viral post or ad and upload it to ChatGPT (or another AI tool) with:“Reverse engineer this image. What prompt would generate something like this for my brand?”Customize the elements it gives you.5. Copywriter Style PromptDaniel's favorite for headline writing:“Act like [David Ogilvy / Gary Halbert / Joseph Sugarman]. Write 10 headlines for this product in their style.”Or combine styles:“Mash up Ogilvy and Halbert and write variations in their tone.”=================================================Check out our 100% FREE + VIRTUAL EVENTS! ->Guru Conference - The World's Largest Virtual EMAIL MARKETING Conference - Nov 6-7!Register here: