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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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So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866. To learn about freedom. Family investments, liquidity fund again. Text family to 66866   Naresh Vissa  33:25   this is GRE real estate investment coach. Naresh Vissa listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  33:32   Welcome back to get worse education. We're talking with seasoned investor Ken McElroy, and he's also been one of the most recurrent guests here on the show. He's just consistently got some of the very best perspectives in the entire nation on the real estate market. And Ken the Fred data, which pulls their numbers from Kay Shiller, it shows that the value of a mid tier single family home in Phoenix, Metro wide, has basically been flat for the last year and a half. I know your wife, Daniil, deals with single family rentals there in Phoenix. 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    

Lisa Loomer (Real Women Have Curves) talks about her latest project Side Effects, which premieres at the Contemporary American Theater Festival. You will be inspired by the prolific playwright's insights into real women and real world challenges! 

This experincer nearly died from septic shock on October 10, 2023, after a kidney stone caused a severe infection. Placed on a ventilator with multiple organ failure, he was unconscious for days. During that time, he experienced total darkness, fear, and confusion—unsure if he was alive or dead. In the darkness, he cried out to God and saw a light that grew into a peaceful presence filled with overwhelming love. He felt drawn into it, washed free of pain and fear, and filled with deep peace and clarity. Memories of his mother, a kind man from his childhood, and a past relationship reminded him how powerful love could have been. The presence stayed with him even as he woke, hearing his daughter's voice and seeing light return. After the ventilator was removed, he began to understand what had happened. Deeply changed, he came to believe that love wasn't just from God—it is God. Though still healing, he now feels spiritually transformed, sensing love all around him and within him, even as he adjusts to life again.

Now in year three of my Pride Month Feature coverage on the show, I'm more excited than I've ever been about shining a light onto the diversity of projects representing queer focused characters and getting to chat with the creators who make them. For myself, Pride this year feels like a more somber affair as the current administration seeks to not only suppress the struggle of the queer community but also to attempt to eliminate their history and in the most extreme cases, invalidating that certain people even have the right to exist but instead of getting down about it, let's flip the script so it is my pleasure to host comic creators Alex L. Combs and Andrew Eakett to talk about their engaging new graphic novel out now Trans History: From Ancient Times to the Present Day from Candlewick Press. I encourage everyone to pick up Trans History: From Ancient Times to the Present Day and to approach it with an open and curious mind. I went into it not knowing exactly what to expect and came out with a much more rounded historical perspective and love the use of a comics formatting to make what many consider a drier subject matter with history in general, far more engaging. Buy it direct from Candlewood Press. Alex's website Alex on BlueSky Further education as discussed by Alex and Andrew on the show Ajuan Mance author of Gender Studies: The Confessions of an Accidental Outlaw Bishakh Som author of Spellbound Breena Nuñez and Lawrence Lindell (I mispronounced "Lindell" and am really embarrassed!) creators of the indie comics collective Laneha House Sensitivity readers used in the book: Writing Diversely Hans Lindahl Trans History: From Ancient Times to the Present Day From the publisher An essential introduction to trans history, from ancient times to the present day, in full-color graphic nonfiction format. Deeply researched, highly readable, and featuring a broad range of voices. What does “trans” mean, and what does it mean to be trans? Diversity in human sex and gender is not a modern phenomenon, as readers will discover through illustrated stories and records that introduce historical figures ranging from the controversial Roman emperor Elagabalus to the swashbuckling seventeenth-century conquistador Antonio de Erauso to veterans of the Stonewall uprising Marsha P. Johnson and Sylvia Rivera. In addition to these individual profiles, the book explores some of the societal roles played by trans people beginning in ancient times and shows how European ideas about gender were spread across the globe. It explains how the science of sexology and the growing acceptance of (and backlash to) gender nonconformity have helped to shape what it means to be trans today. Illustrated conversations with modern activists, scholars, and creatives highlight the breadth of current trans experiences and give readers a deeper sense of the diversity of trans people, a group numbering in the millions. Extensive source notes provide further resources. Moving, funny, heartbreaking, and empowering, this remarkable compendium from trans creators Alex L. Combs and Andrew Eakett is packed with research on every dynamic page. PATREON We have a new Patreon, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CryptidCreatorCornerpod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you like what we do, please consider supporting us. We got two simple tiers, $1 and $3. Want to know more, you know what to do. THE ORDER OF THE NUN-YA STARBURST: VIOLA Make sure to check out our friend's new crowdfunding campaign ⁠The Order of the Nun-Ya Starburst: Viola⁠ that I mentioned in the episode. ⁠(LINK)⁠ ARKENFORGE Play TTRPG games? Make sure to check out our partner ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Arkenforge⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Use the discount code YETI5 to get $5 off your order. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Rational Egoist, Michael Leibowitz sits down with renowned economist and historian Lawrence W. Reed to uncover the real causes and consequences of the Great Depression. Was it a failure of capitalism—or a failure of government?Drawing from decades of economic scholarship, Larry Reed dismantles the prevailing myths and reveals how misguided monetary policy, protectionism, and central planning turned a market correction into a global catastrophe. If you've ever been told that the Great Depression proves capitalism doesn't work, this episode is for you.About Our Guest:Lawrence W. (“Larry”) Reed is the former President of the Foundation for Economic Education (FEE), where he served from 2008 after a long history with the organisation dating back to the late 1970s. Before FEE, Reed spent 21 years as President of the Mackinac Center for Public Policy in Michigan and was a professor and department chair of economics at Northwood University. He remains one of the most articulate defenders of economic liberty alive today.About Michael Liebowitz – Host of The Rational EgoistMichael Liebowitz is the host of The Rational Egoist podcast, a philosopher, author, and political activist committed to the principles of reason, individualism, and rational self-interest. Deeply influenced by the philosophy of Ayn Rand, Michael uses his platform to challenge cultural dogma, expose moral contradictions, and defend the values that make human flourishing possible.His journey from a 25-year prison sentence to becoming a respected voice in the libertarian and Objectivist communities is a testament to the transformative power of philosophy. Today, Michael speaks, writes, and debates passionately in defence of individual rights and intellectual clarity.He is the co-author of two compelling books that examine the failures of the correctional system and the redemptive power of moral conviction:Down the Rabbit Hole: How the Culture of Corrections Encourages Crimehttps://www.amazon.com.au/Down-Rabbit-Hole-Corrections-Encourages/dp/197448064XView from a Cage: From Convict to Crusader for Libertyhttps://books2read.com/u/4jN6xjAbout Xenia Ioannou – Producer of The Rational EgoistXenia Ioannou is the producer of The Rational Egoist, overseeing the publishing and promotion of each episode to reflect a consistent standard of clarity, professionalism, and intellectual integrity.As a CEO, property manager, entrepreneur, and lifelong advocate for capitalism and individual rights, Xenia ensures the podcast stays true to its core values of reason, freedom, and personal responsibility.Xenia also leads Capitalism and Coffee – An Objectivist Meetup in Adelaide, where passionate thinkers gather to discuss Ayn Rand's ideas and their application to life, politics, and culture.Join us at: https://www.meetup.com/adelaide-ayn-rand-meetup/(Capitalism and Coffee – An Objectivist Meetup)Because freedom is worth thinking about—and talking about.Follow Life on Purpose – Xenia's thought-provoking essays at her Substack:https://substack.com/@xeniaioannou?utm_source=user-menu

Esther Goldstein LCSW is a psychotherapist and trauma specialist with a private practice in Cedarhurst, in Long Island NY. Esther specializes in treating anxiety, trauma, complex ptsd, and dissociative disorders. Esther provides trauma informed consultation to therapists committed to improving their trauma-informed practice and attachment focused EMDR consultation to therapists attaining hours towards EMDRIA certification.               Elisa is an Emmy Award-winning journalist with over a decade of experience working with Anderson Cooper 360 and Good Morning America. Throughout her career, she has helped hundreds of survivors share their stories with renowned journalists including Diane Sawyer, Robin Roberts, and Anderson Cooper. Deeply committed to trauma healing, Elisa now offers media consulting with a focus on advancing trauma-informed journalism and guiding survivors as they navigate media exposure. In This EpisodeEsther's site:  https://integrativepsych.co/Elisa's: https://www.elisatoha.com You can learn more about what I do here:The Trauma Therapist Newsletter: celebrates the people and voices in the mental health profession. And it's free! Check it out here: https://bit.ly/4jGBeSaThe Trauma Therapist Podcast:  I interview thought-leaders in the fields of trauma, mindfulness, addiction and yoga such as Peter Levine, Pat Ogden, Bessel van der Kolk and Bruce Perry. https://bit.ly/3VRNy8zBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-trauma-therapist--5739761/support.

Brian's weekend involves an insane way of consuming breakfast. Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.

You've achieved everything you were supposed to: a successful career, a full family life, the ability to get things done. And yet, you find yourself asking… Why don't I feel more satisfied? Why am I still not at peace? In this deeply personal episode of Playing Full Out, I step away from the quick tips and high-performance tools to share the truths we often don't talk about—the emotional toll of always being “on,” the subconscious fear of not being enough, and the secrets we keep even from ourselves in the name of success. I'll share: The silent weight many high achievers carry (but rarely name) Why constant busyness is often a mask for buried emotion The one question my coach asked that cracked open everything for me Why real peace doesn't come from doing more—but from telling the truth about what's driving you The difference between happiness and peace (and why most of us are chasing the wrong one) Whether you're in leadership, parenting, caregiving—or all three—this episode is an invitation to look under the surface, be honest about what you've been carrying, and discover that peace isn't earned... it's uncovered.

Why do some messages fade while others stick with us for years? The answer is storytelling. In this episode of Women on Wealth, Julina Ogilvie sits down with Sara Gómez, a seasoned strategic communications consultant with more than 20 years of experience working with global health nonprofits like Save the Children and the WHO.Sara shares why storytelling is far more than just a communications tool—it's a catalyst for connection, trust, and change. From the neuroscience behind why stories move us to practical ways to craft your own, this conversation explores how storytelling helps simplify complex ideas, build confidence, and inspire action in both business and life.Show Highlights:2:49 – Why storytelling is a powerful communication tool and the role of oxytocin5:23 – How storytelling helps a message stand out in today's fast-paced world8:21 – Examples of how storytelling builds trust, credibility, and authentic relationships13:31 – How storytelling makes complicated topics more accessible and compelling18:30 – How storytelling builds confidence20:33 – How to adapt your story effectively for different audiences24:20 – Advice for those who need help crafting their storyConnect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comConnect with Sara Gomez:https://www.saragomezconsulting.com/story-spotlight-packagehttps://www.linkedin.com/search/results/all/?fetchDeterministicClustersOnly=true&heroEntityKey=urn%3Ali%3Afsd_profile%3AACoAACGcTkkByNrAujf4kRXgxAe7zHOG9AOd70U&keywords=sara%20g%C3%B3mez&origin=RICH_QUERY_SUGGESTION&position=0&searchId=8d6a3f09-c864-43f1-b631-165ebe75dc90&sid=X_%3B&spellCorrectionEnabled=falseThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Brian's weekend involves an insane way of consuming breakfast. Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.

Send The Parable Podcast a TextHave you ever wondered, is this the end of my story? Please meet Ashley Forsberg as she shares about her parable journey of walking through rejection and walking in confidence. Ashley is a passionate communicator, weaving faith, storytelling, and scripture into theologically rich messages of healing and hope. A pastor, author, and entrepreneur, she helps others hear God, engage with him, and reorient their life towards Him. Whether speaking, coaching, or traveling the USA with her family, she finds joy in God's goodness and deep restoration.Connect with AshleyWebsite | Instagram | BooksReflection QuestionsIs there a story or a part of yourself that you need to share in order to truly heal and become a healthier emotional you?In what ways can you deeply abide in God this week to connect to Him?Ways to Support The Parable Podcast #1 Subscribe or Follow the podcast to ensure you catch every episode of The Parable Podcast on your preferred podcast platform (such as iTunes, Spotify). #2 Recommend this podcast to a friend, providing a great chance to begin your own Parable Conversation. #3 Looking for a speaker for your Church, Women's Group, or event? Contact Danielle to learn more.

Liberty, Culture, Race, and More! – with Justin WilliamsIn this episode of The Rational Egoist, Michael Liebowitz speaks with Justin Williams, a scholar whose academic journey includes Rutgers, Princeton, and Rider University. With a strong foundation in classical liberal thought, Williams brings thoughtful insight to a wide-ranging conversation covering liberty, culture, race, education, and the moral importance of personal responsibility. Together, they challenge prevailing narratives and explore how a principled commitment to individual freedom can address the most pressing issues of our time.About Michael Liebowitz – Host of The Rational EgoistMichael Liebowitz is the host of The Rational Egoist podcast, a philosopher, author, and political activist committed to the principles of reason, individualism, and rational self-interest. Deeply influenced by the philosophy of Ayn Rand, Michael uses his platform to challenge cultural dogma, expose moral contradictions, and defend the values that make human flourishing possible.His journey from a 25-year prison sentence to becoming a respected voice in the libertarian and Objectivist communities is a testament to the transformative power of philosophy. Today, Michael speaks, writes, and debates passionately in defence of individual rights and intellectual clarity.He is the co-author of two compelling books that examine the failures of the correctional system and the redemptive power of moral conviction:Down the Rabbit Hole: How the Culture of Corrections Encourages CrimePurchase: https://www.amazon.com.au/Down-Rabbit-Hole-Corrections-Encourages/dp/197448064XView from a Cage: From Convict to Crusader for LibertyPurchase: https://books2read.com/u/4jN6xjAbout Xenia Ioannou – Producer of The Rational EgoistXenia Ioannou is the producer of The Rational Egoist, overseeing the publishing and promotion of each episode to reflect a consistent standard of clarity, professionalism, and intellectual integrity. As a CEO, property manager, entrepreneur, and lifelong advocate for capitalism and individual rights, Xenia ensures the podcast stays true to its core values of reason, freedom, and personal responsibility.Xenia also leads Capitalism and Coffee – An Objectivist Meetup in Adelaide, where passionate thinkers gather to discuss Ayn Rand's ideas and their application to life, politics, and culture.Follow her writing and thought-provoking essays at her Substack:https://substack.com/@xeniaioannou?utm_source=user-menuJoin Us for Capitalism and Coffee in AdelaideIf you're looking for rich, no-nonsense conversations about freedom, reason, and personal power, Capitalism and Coffee is Adelaide's premier meetup for lovers of liberty and independent thought. Hosted by Xenia Ioannou, it brings together entrepreneurs, students of philosophy, and curious minds ready to challenge the culture of collectivism and embrace the power of ideas.Whether you're new to Objectivism or well-versed in its principles, you'll find this group energising, inspiring, and intellectually serious—plus, there's wine or coffee, depending on your mood.Join us at: https://www.meetup.com/adelaide-ayn-rand-meetup/(Capitalism and Coffee – An Objectivist Meetup)Because freedom is worth thinking about—and talking about.

USA Today Network baseball writer Pete Caldera joined the show to discuss where the Yankees currently stand.

Your wife wants more than routine — she wants to feel desired.Learn how fantasy reignites emotional intimacy and brings passion back to your marriage.

In this special in-person episode, Sanne Grinovero shares the story of Java's evolution from his unique perspective as a long-time open-source contributor. He shares his 16-year career journey at Red Hat, highlighting his amazing work on key projects like Hibernate, Infinispan, and especially the creation of Quarkus. His career trajectory, from a student who initially disliked Java's complexity to a leading figure in its modernization, shows the transformative power of open source.A key part of the conversation focuses on how technical challenges spark innovation. Sanne explains how the task of making the popular Hibernate framework compatible with GraalVM's limitations led directly to the birth of Quarkus. This journey tells the bigger story of how Java adapted for cloud-native development, ensuring it continues to be a top choice for developers seeking high performance and a great developer experience.  Timestamps:(00:00:00) Trailer & Intro(00:02:16) Career Turning Points(00:04:52) Winning an Innovation Award(00:06:35) Java Heroes(00:08:04) Working as a Consultant(00:09:56) Taking a Massive Pay Cut to Work on Open Source(00:10:59) Contributing to Big Open Source as a Youngster(00:12:53) State of Hibernate Project(00:15:15) Spring Boot(00:16:54) Making Hibernate Work on GraalVM(00:21:05) GraalVM Limitations for Running Hibernate(00:26:09) Java for Cloud Native Application(00:28:04) Quarkus vs Spring Boot(00:33:21) JRebel & Quarkus(00:34:35) Java vs New Programming Languages(00:39:22) The ORM Dilemma(00:42:38) Some Hibernate Design Pattern Tips(00:46:40) Getting Paid Working on Open Source(00:48:41) Hibernate License Change(00:51:05) Intellectual Property & Meaningful Contributions(00:52:52) AI Usage & Copyright in Open Source(00:55:21) Biggest Challenge Working in a Big Open Source(00:56:08) Politics in Open Source(00:58:32) Security Risks in Open Source(01:02:25) Donating Hibernate to Commonhaus Foundation(01:04:49) The Future of Red Hat(01:06:39) 3 Tech Lead Wisdom_____Sanne Grinovero's BioSanne Grinovero has been a member of the Hibernate team for 10 years; today he leads this project in his role of Sr. Principal Software Engineer at Red Hat, while also working on Quarkus as a founding R&D engineer.Deeply interested in solving performance and concurrency challenges around data access, scalability, and exploring integration with new storage technologies, distributed systems and search engines.Working on Hibernate features led him to contribute to related open source technologies; most notably to Apache Lucene and Elasticsearch, Infinispan and JGroups, ANTLR, WildFly, various JDBC drivers, the OpenJDK and more recently getting interested in GraalVM.After being challenged to reduce memory consumption and improve bootstrap times of Hibernate, Sanne worked as part of a small R&D team at Red Hat on some ideas which have evolved into what is known today as Quarkus.Follow Sanne:LinkedIn – linkedin.com/in/sannegrinoveroTwitter – twitter.com/SanneGrinoveroGitHub – github.com/sanneLike this episode?Show notes & transcript: techleadjournal.dev/episodes/220.Follow @techleadjournal on LinkedIn, Twitter, and Instagram.Buy me a coffee or become a patron.

Take Our FREE “Magnetize Your Man” Quiz To Get A Loving, Long-Term & Committed Relationship With A Man You Desire ASAP Click: http://MagnetizeYourMan.com/PDSUBSCRIBE FOR GOOD LUCK IN LOVE!Discover A Powerful Psychological Trigger To Make Any Man DESIRE You: http://TriggerHisDesire.com3 Texts He Can't Resist: http://MagnetizingMessages.comHow To Get A Man To CHASE You For A Relationship: http://iMagnetize.com3 Words That Attract Men Like Crazy: http://FascinationPhrases.comDo This And He FEELS Love For You: http://UltimateLoveRecipe.com3 Female Behaviors That All Men LOVE: https://MagnetizeYourMan.com/go/attractioncodes/video Peek Inside Of The Male Mind: https://MagnetizeYourMan.com/go/insidethemalemind/videoGet Our "Magnetize Your Man" Book On Amazon Here: https://amzn.to/2UZcmveGet Our "Magnetize Your Man" Audiobook Here: http://adbl.co/38uAgoFJoin Our FREE “Magnetize Your Man” Facebook Group: http://MYMFBGroup.comFollow Us On Instagram: https://Instagram.com/MagnetizeYourManFollow Us On TikTok: https://TikTok.com/@MagnetizeYourMan Subscribe To Our Podcast: https://MagnetizeYourMan.buzzsprout.com/shareFollow Us On Facebook: https://Facebook.com/MagnetizeYourManFollow Us On X: https://Twitter.com/MagnetizeMenFollow Us On Threads: https://Threads.net/@MagnetizeYourManCheck Out Our Blog: https://MagnetizeYourMan.com/Blog~ Your Expert Love Coaches, Brody & Antia Boyd ~Husband and wife team Antia & Brody Boyd have been helping thousands of successful women all over the world for over 20 years combined to magnetize their man to share their life with & have a loving, long-term & committed relationship ASAP without loneliness, trust-issues or emotionally unavailable men.Antia studied Attachment Styles & Personality Psychology at U.C. Berkeley, Brody has a degree in Communications & Interpersonal Relationships and they have been keynote speakers on hundreds of stages, radio & TV shows all over the world including Google, the Harvard University Faculty Club and Good Morning San Diego.They have also been featured on ABC Radio, Brides Magazine & The Great Love Debate and for over a decade studied EVERYTHING they could get their hands on in the areas of male psychology, feminine communication & creating an incredible relationship fast without low-confidence, anxiety or rejection.They look forward to helping YOU to attract your man for a happy, healthy and supportive relationship the easy way and becoming one of their newest success stories soon as well! Check Out Antia's Full Love Story: https://MagnetizeYourMan.com/AboutAntia~ Incredible Client Love Stories & Reviews! ~“My man and I are very happy as we are exploring and enjoy our new life together. Our coaching together was very helpful in my ability to stay centered in the reality of a true intimate loving relationship unfolding. It has also helped me in nurturing it too. Thanks so much for your support!” -A. G.“One year since the day my fiancé and I met is just around the corner, and we are now married! We are in love and don't want to live life without one another. I have lived with him for 6 months and have been the happiest I have ever been in my life. Thank you so much for the coaching… I will check in very soon. Lots of love!” -L. W."My guy is so easy to love and be with. It's a treat to share time with him. He now makes me feel so special in his ways. He isn't afraid to be himself with me... the best compliment. LOVE the program, and now I'm learning how to be in a healthy relationship!" ~F. W."I just wanted to let you know that I met a really great guy.  He has done a lot of personal work and we are enjSupport the show

A Fascinating Discussion About AI – with Jonathan MacDonaldIn this episode of The Rational Egoist, Michael Liebowitz is joined by Jonathan MacDonald, one of the world's most sought-after strategic thinkers and change-makers, for a wide-ranging conversation about artificial intelligence. Together, they explore the ethical, philosophical, and technological implications of AI—its potential to empower or control, the importance of privacy and autonomy, and what a responsible digital future might look like.Jonathan shares insights from his journey through the early days of cryptographic technology to the creation of SELF (Sovereign Ethical Lifestyle Filter), a personal, private, and adaptive AI designed to return control to the individual. As host of Ethics TV, he brings a principled lens to the digital revolution, challenging us to rethink how we engage with the tools we create.Whether you're intrigued by the future of technology or concerned about where it's headed, this is a thought-provoking conversation you won't want to miss.Hashtags:#ArtificialIntelligence #JonathanMacDonald #DigitalEthics #SovereignTech #AI #Privacy #Philosophy #Rights #TechForGood #TheRationalEgoist #Blockchain #SELF #EthicsTV #AIConversation #futureofai About Michael Liebowitz – Host of The Rational EgoistMichael Liebowitz is the host of The Rational Egoist podcast, a philosopher, author, and political activist committed to the principles of reason, individualism, and rational self-interest. Deeply influenced by the philosophy of Ayn Rand, Michael uses his platform to challenge cultural dogma, expose moral contradictions, and defend the values that make human flourishing possible.His journey from a 25-year prison sentence to becoming a respected voice in the libertarian and Objectivist communities is a testament to the transformative power of philosophy. Today, Michael speaks, writes, and debates passionately in defence of individual rights and intellectual clarity.He is the co-author of two compelling books that examine the failures of the correctional system and the redemptive power of moral conviction:

DIAL212 is a bi-monthly broadcast annexed to Astrofevever Records, transmitting high-grade sound waves from Casablanca via Amsterdam's Echobox Radio, hosted by @Polyswitch and his guests. ___ *Guest Introduction: Saad Elbaraka is a Moroccan composer, multilingual lyricist, and producer. Deeply shaped by his surroundings, he crafts a sound that merges indie rock, synth-wave, and alternative sonics. His music carries a sense of nostalgia while remaining rooted in the now. Over the years, he has performed widely across Morocco and beyond, with standout appearances at Boulevard Festival, MAA EL MOGHREB in Tunisia, and FACT Liverpool. Signing off the show on a high note, Saad includes songs from his freshly self-released EP titled; “Music Inspired by Love, Nature and Memories” a project he describes as: “Deeply personal, where past and present collide in a distinctive atmosphere. A reflection on the things that matter most in life, those elements that shape us, woven from memories and moments, with a sound that feels both timeless and contemporary.” Discover the EP → https://bit.ly/sebmiblnm ___ *Saad El Baraka on the web: Soundcloud: @kiddizday Instagram: https://www.instagram.com/saadzekide/ ___ *Follow us: Bandcamp: bit.ly/3jSuJMo Spotify: spoti.fi/32cy2bp Mixcloud: bit.ly/38b9iUx Instagram: bit.ly/3et6hjE Twitter: bit.ly/34WyHPH Facebook: bit.ly/3mXidwT www.astrofever.com

Today we will continue our Sustainable Leaders series and have a Talk Story with Blanch McMillen also known as AuntyBlanche. I have been meaning to meet this amazing woman and share her story for a while, and today is the day. She is the founder of Hui Mahi'ai'Āina, a homeless community program that provides village style housing, essential facilities, and long-term support for those facing hard times in Hawaii. Affordable housing for the state of Hawaii is one of our top sustainable initiatives. We are needing solutions to our problems, not bandaids and quick fixes, today we will talkabout solutions that provide hope, promise and a future!Aunty Blanche is a lifelong supporter of Waimanalo, whose unwavering dedication to her community has made her acornerstone of hope and support for Native Hawaiians facing economic hardship. Deeply rooted in faith and compassion, she views herself as “God's instrument,” teaching love and ‘ohana (family) to all those she helps.Motivated by the struggles of her people—many of whom are unhoused and unable to afford living in their ancestralhome—Aunty Blanche took action. During the COVID-19 pandemic, she canvassed the Windward Coast to find and support those in need. With the help of volunteers, she established a homeless encampment on seven acres of vacant land, providing shelter, food, and medical support to over 60 people at Hui Mahi'ai 'Aina. She collaborates with nonprofits, churches, and local groups to keep her community safe, healthy, and housed.Contact Information: Website: Home - HuiMahi'ai 'Āina www.huimahiaiaina.org Email: anuhea00@gmail.com Phone: (808) 482-5883Address: 41-092 Oluolu St, Waimanalo, HI 96795Drop-Off Donation TimesMon – Sat: 9am – 5pmSunday: 9am – 12pmYou can reach Smart Living Hawaii at: Website: ⁠⁠⁠⁠⁠⁠⁠⁠www.smartlivinghawaii.org⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠@smartlivinghawaii⁠⁠⁠⁠⁠⁠⁠⁠_orgFacebook: ⁠⁠⁠⁠⁠⁠⁠⁠@SmartLivingHawaii⁠⁠⁠⁠⁠⁠⁠⁠.orgIntro/Outro Music Compliments: Music from #Uppbeat (free for Creators!): ⁠⁠⁠⁠https://uppbeat.io/t/mountaineer/gotcha⁠⁠

Support this podcast at — https://redcircle.com/hypnosis-and-relaxation-sound-therapy9715/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

On this fine Thursday, Lindsey's dropping in for an introspective solo episode reflecting on patience. Deeply considering and doing research on the subject, she talks about the neuroscience of patience, how it shows up in our lives, and how we can walk through moments of impatience to a more centered place of acceptance and presence.We do these solo episodes a couple times a month – as K+L unpack complex subject matter that they've processed in their own lives and which might be beneficial to the collective at large. After soaking in this one, check out a couple of Lindsey's most recent solo episodes linked below.Morning Microdose is a podcast curated by Krista Williams and Lindsey Simcik, the hosts and founders of Almost 30, a global community, brand, and top rated podcast.With curated clips from the Almost 30 podcast, Morning Mircodose will set the tone for your day, so you can feel inspired through thought provoking conversations…all in digestible episodes that are less than 10 minutes.Wake up with Krista and Lindsey, both literally and spiritually, Monday-Friday.If you enjoyed this conversation, listen to the full episode on Spotify here and on Apple here.

Raphi Fulcher's Musical Journey and Life as a Black Orthodox Jew   In this episode, Raphi Fulcher, also known as Hebrew, discusses his unique background and perspectives. Growing up as the youngest of six children to parents who converted to Judaism in the 1960s, Raphi shares his experiences moving across different states and eventually studying in Israel. Currently a project manager in digital marketing, Raphi is also a passionate musician. He talks about his musical influences, family background in music, and the transformative experience of performing live. Raphi sheds light on the challenges of dating within the Orthodox Jewish community as a Black man and the importance of finding a partner who understands and is prepared for those challenges. He also discusses the significance of Torah values and the importance of addressing 'otherness' in the Jewish community. Additionally, Raphi shares insights into his music career, Jewish music festivals, and his aspirations to create music that heals and educates.   00:00 Introduction and Background 00:36 Religious and Professional Journey 03:05 Musical Beginnings 04:20 First Performance and Health Struggles 07:24 Stage Name and Identity 09:00 Growing Up Orthodox 20:46 Dating Challenges 29:14 Navigating Relationships and Conversion 30:44 Qualities I'm Looking for in a Partner 32:24 Challenges in Finding the Right Match 35:10 The Birth of a Jewish Music Festival 37:14 Balancing Tradition and Modernity in Music 43:21 The Deeper Meaning of Cain and Hevel 48:45 Practical Advice for Facing Fear 51:39 Sharing My Music and Inspirations   https://www.hebromusic.com https://www.instagram.com/hebromusic/ https://www.youtube.com/@Hebromusic   www.JewishCoffeeHouse.com franciskakay@gmail.com   About Raphi: Raphi Fulcher is a man on a mission, a soldier, or a “soulja,” if you will, in the army of Hashem. So intent is he on spreading his message of acceptance and brotherhood through rap and hip hop music, that he performs under the name Hebro, a Fulcher-ism that declares his intent to use his artistic abilities to better the world as he serves in the ranks of God's military. The youngest of six children born to African-American parents who converted to Judaism 43 years ago under the guidance of Rabbi J.J. Hecht, the then-assistant to the Lubavitcher Rebbe, Fulcher hails from a family of gifted vocalists. The singer, songwriter, rapper and producer lived in Crown Heights until he was four and spent his formative years in North Carolina, St. Louis and Israel. It was during his time as a student at Queens College that Fulcher, whose full name is Raphael Ohr Chayim, discovered his gift for singing publicly. “I was on the board at Chabad of Queens College and we staged musical events. I found that I had a deep passion for live performance,” Fulcher told The Jewish Link. After spending a Lag B'omer at the Chevra Ahavas Yisroel synagogue, Fulcher found himself falling in love with Crown Heights and he spent the next five years there, enjoying the unique warmth of the community and honing his musical voice. Deeply enamored with rap, hip hop, reggae and R&B music, Fulcher decided that the time had come to bring those genres to Jewish audiences, albeit with all new lyrics. “Just the music and the rhythm are very powerful and could resonate with a lot of people if we had positive, uplifting content,” said Fulcher, who previously performed under the name Hebro. “I kept imagining how powerful it would be if I added a real element that would allow listeners to vibe out to the rhythm, with lyrics that have meaning and purpose. I don't think you can deny that it is Jewish music.” Having stretched his musical wings on stage with Matisyahu, Nissim Black, Moshav Band, Lipa Schmeltzer, Zusha and others, Fulcher decided three years ago that it was time to share his God given gifts with the world in a debut EP titled Genesis. “It is an album that is inspired by Tehillim, by King David's work,” said Fulcher. “When I imagine David Hamelech performing during his life, I imagine that his music had rhythm and spirit and with all due respect, I don't think it sounded like the typical 'Jewish' music we hear today in the orthodox world” Genesis, featuring seven original compositions, will be released on March 17th, Rosh Chodesh Nissan. Fulcher is looking forward to sharing his music at a release party taking place at The Loft and Rooftop at 83 Essex Street on Manhattan's Lower East Side of Manhattan which will also feature up and coming talents Izzy Gilden, DJ Kamilly, Simple Man and others. His soon to be released Souljass music video, featuring one of the tracks on the EP, tells the story of Cain and Hevel, which Fulcher sees as the start of baseless hatred in the world. “I want to shed light on being fearful of what we don't control or understand,” said Fulcher. “There is a message there in Cain's conversation with Hashem, when he says he doesn't know where his brother is. If we focused on the other person, if we were conscious of one another, and were tolerant of each other, we would be able to bring about the ultimate redemption.” Still, Fulcher, a resident of the Wesley Hills section of Monsey, is subtle with his messaging. “I consider myself a chasid of the Lubavitcher Rebbe and his teachings and his mission,” said Fulcher. “That is what I wanted to do with this album of songs about redemption and while I may not mention that concept by name, it is there in broader terms and in a way that will allow more people to enjoy the music.” With an edgy style that is simultaneously youthful and appealing, Fulcher is a crossover artist who can appeal to the masses, but also has his priorities straight. Passionate about his music, he is even more dedicated to his religious observance. As someone with close ties to Chabad, Fulcher feels strongly about his own obligation to improve the lives of others. “My ultimate mission with my music is to do my part to bring redemption,” explained Fulcher. “I consider this to be my shlichut and I believe each of us has to bring the world to a higher state of perfection by doing chesed, by reaching out and not just harboring light, but shining light out onto the world.” Having been the only African-American student in the yeshivos he attended since first grade wasn't always easy, admitted Fulcher, but it was an experience that prepared him for his future. “It was challenging for myself and for my peers,” said Fulcher. “It was a reality that none of them had ever dealt with before and it was new for them. Still, growing up as an African-American Jew in a white Orthodox Jewish world gave me the experience to understand the potential of breaking down the barriers of fear and difference while creating an opportunity for growth. B'nei Yisrael come in all shapes and colors and sizes and the sooner we can all handle that the sooner we will all be b'simcha.”

(no music) (5 hours) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(music) (10 hours) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(no music) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(music) (5 hours) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(no music) (10 hours) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(music) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

Take Our FREE “Magnetize Your Man” Quiz To Get A Loving, Long-Term & Committed Relationship With A Man You Desire ASAP Click: http://MagnetizeYourMan.com/PDSUBSCRIBE FOR GOOD LUCK IN LOVE!Discover A Powerful Psychological Trigger To Make Any Man DESIRE You: http://TriggerHisDesire.com3 Texts He Can't Resist: http://MagnetizingMessages.comHow To Get A Man To CHASE You For A Relationship: http://iMagnetize.com3 Words That Attract Men Like Crazy: http://FascinationPhrases.comDo This And He FEELS Love For You: http://UltimateLoveRecipe.com3 Female Behaviors That All Men LOVE: https://MagnetizeYourMan.com/go/attractioncodes/video Peek Inside Of The Male Mind: https://MagnetizeYourMan.com/go/insidethemalemind/videoGet Our "Magnetize Your Man" Book On Amazon Here: https://amzn.to/2UZcmveGet Our "Magnetize Your Man" Audiobook Here: http://adbl.co/38uAgoFJoin Our FREE “Magnetize Your Man” Facebook Group: http://MYMFBGroup.comFollow Us On Instagram: https://Instagram.com/MagnetizeYourManFollow Us On TikTok: https://TikTok.com/@MagnetizeYourMan Subscribe To Our Podcast: https://MagnetizeYourMan.buzzsprout.com/shareFollow Us On Facebook: https://Facebook.com/MagnetizeYourManFollow Us On X: https://Twitter.com/MagnetizeMenFollow Us On Threads: https://Threads.net/@MagnetizeYourManCheck Out Our Blog: https://MagnetizeYourMan.com/Blog~ Your Expert Love Coaches, Brody & Antia Boyd ~Husband and wife team Antia & Brody Boyd have been helping thousands of successful women all over the world for over 20 years combined to magnetize their man to share their life with & have a loving, long-term & committed relationship ASAP without loneliness, trust-issues or emotionally unavailable men.Antia studied Attachment Styles & Personality Psychology at U.C. Berkeley, Brody has a degree in Communications & Interpersonal Relationships and they have been keynote speakers on hundreds of stages, radio & TV shows all over the world including Google, the Harvard University Faculty Club and Good Morning San Diego.They have also been featured on ABC Radio, Brides Magazine & The Great Love Debate and for over a decade studied EVERYTHING they could get their hands on in the areas of male psychology, feminine communication & creating an incredible relationship fast without low-confidence, anxiety or rejection.They look forward to helping YOU to attract your man for a happy, healthy and supportive relationship the easy way and becoming one of their newest success stories soon as well! Check Out Antia's Full Love Story: https://MagnetizeYourMan.com/AboutAntia~ Incredible Client Love Stories & Reviews! ~“My man and I are very happy as we are exploring and enjoy our new life together. Our coaching together was very helpful in my ability to stay centered in the reality of a true intimate loving relationship unfolding. It has also helped me in nurturing it too. Thanks so much for your support!” -A. G.“One year since the day my fiancé and I met is just around the corner, and we are now married! We are in love and don't want to live life without one another. I have lived with him for 6 months and have been the happiest I have ever been in my life. Thank you so much for the coaching… I will check in very soon. Lots of love!” -L. W."My guy is so easy to love and be with. It's a treat to share time with him. He now makes me feel so special in his ways. He isn't afraid to be himself with me... the best compliment. LOVE the program, and now I'm learning how to be in a healthy relationship!" ~F. W."I just wanted to let you know that I met a really great guy.  He has done a lot of personal work and we are enjSupport the show

Three time Shamus Award nominee Jim Fusilli brings his unique background as a Wall Street Journal music critic to the forefront in his latest novel, A Song For Katy Shayne. Music critic Jack Fiorello is put out to pasture by his editors and he's feeling untethered until a email appears asking him to look into the music of Katy Shayne, who reportedly died by suicide in 1977. Deeply rooted in the music industry, as only an insider can portray, Fusilli's characters follow Katy's trail from New York, to Nashville, and back, uncovering a decades old secret of grift, corruption, and redemption. Jack Fiorello finds Katy's death clouded in mystery and powerful people don't want him digging up the past.

Three time Shamus Award nominee Jim Fusilli brings his unique background as a Wall Street Journal music critic to the forefront in his latest novel, A Song For Katy Shayne. Music critic Jack Fiorello is put out to pasture by his editors and he's feeling untethered until a email appears asking him to look into the music of Katy Shayne, who reportedly died by suicide in 1977. Deeply rooted in the music industry, as only an insider can portray, Fusilli's characters follow Katy's trail from New York, to Nashville, and back, uncovering a decades old secret of grift, corruption, and redemption. Jack Fiorello finds Katy's death clouded in mystery and powerful people don't want him digging up the past.

(no music) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(music) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(music) (5 hours) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(music) (10 hours) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(no music) (10 hours) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

(no music) (5 hours) (ASMR) RELAX DEEPLY Deep Sleep Whisper Hypnosis #536 Jason Newland 10th June 2025 by Jason Newland

In this episode, we sit down with Dr. Max Klau to explore the intersection of leadership, service, and inner transformation.Max's work centers on the transformational path of servant leadership: helping individuals integrate their inner life with outer impact. A Harvard-trained scholar in human development and leadership, Max has spent decades designing programs that support leaders who are committed to service. He most recently served as Chief Program Officer at New Politics Leadership Academy, where he worked to bring more military veterans and national service alumni into politics.His upcoming book, Developing Servant Leaders at Scale, offers a roadmap for growing compassionate, courageous leaders.Deeply influenced by Joseph Campbell, Max views leadership as a mythic process—an invitation to face your shadow, grow from adversity, and return with wisdom in service of something greater than yourself.In this conversation, we explore Max's journey, what true servant leadership looks like, and how building better leaders might just be one of the most powerful ways to heal our fractured world.To find our more about Max visit: https://www.maxklau.com/Center for Courageous Wholeness website:https://www.centerforcourageouswholeness.org/Pre order Max's book:https://www.amazon.com/Developing-Servant-Leaders-Scale-Matters/dp/1837081654 For more information on the MythMaker Podcast Network and Joseph Campbell, visit JCF.org. To subscribe to our weekly MythBlasts go to jcf.org/subscribeThe Podcast With A Thousand Faces is hosted by Tyler Lapkin and is a production of the Joseph Campbell Foundation. It is produced by Tyler Lapkin. Executive producer, John Bucher. Audio mixing and editing by Charles Mallett.All music exclusively provided by APM Music (apmmusic.com)

The Prism of America's Education with Host Karen Schoen – The Marxist youth of the '60s have become the rulers of today. They use the climate hoaxes to spread their warped and twisted ideology. Carbon dioxide is not the enemy. Carbon dioxide sustains life. Without CO2, we would be dead. On today's show, you will hear about vaccines and the destruction they are causing to...

Ever find yourself in a cycle of nitpicking and low-grade arguments with your partner? You're not alone. In this episode of Find Your Feminine Fire, Amanda Testa shares why couples fall into the bickering trap—and how to break free. With real-life stories, expert insights, and somatic wisdom, you'll learn:  ✨ The nervous system's role in repetitive arguments ✨ How to interrupt the "fight loop" with one powerful tool ✨ Ways to reframe conflict into connection ✨ A script for approaching hard conversations with love ✨ How to rebuild emotional safety and intimacy—step by step

Today's episode is about the ART OF LISTENING: how to make more friends, build better bonds and strengthen your relationships.Message me the challenge I mentioned in the podcast on Instagram @TheEnglishZone_Interested in 1:1 classes with me? Fill out this FORM.

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Imagine you just met an attractive stranger and want to strike up a conversation. What are you going to say? More often than not, people play it safe and stick to small talk, but that makes it hard to really connect with someone. In today's show, we're going to discuss tips for moving beyond the small talk and establishing deeper, more authentic connections, as well as tips for improving sexual communication. I am joined once again by Lindsay Jill Roth, an award-winning television and live-events producer who has created and developed a wide variety of programming globally. She is also author of the new book Romances & Practicalities, which is based on a set of 250 research-backed questions designed to help you initiate tricky conversations and find lasting love. Some of the topics we explore include: What are we doing wrong when it comes to getting to know others? How can we ask more meaningful questions to people we’re romantically interested in? What are some other good conversation starters for getting to know someone? How do you normalize conversations about sex with a new partner? How can talking about sex outside of the bedroom help us in the bedroom? You can check out Lindsay’s website to learn more about her work. Got a sex question? Send me a podcast voicemail to have it answered on a future episode at speakpipe.com/sexandpsychology. *** Thank you to our sponsors!  The Kinsey Institute at Indiana University has been a trusted source for scientific knowledge and research on critical issues in sexuality, gender, and reproduction for over 75 years. Learn about more research and upcoming events at kinseyinstitute.org or look for them on social media @kinseyinstitute. *** Want to learn more about Sex and Psychology? Click here for previous articles or follow the blog on Facebook, Twitter, or Bluesky to receive updates. You can also follow Dr. Lehmiller on YouTube and Instagram. Listen and stream all episodes on Apple, Spotify, Google, or Amazon. Subscribe to automatically receive new episodes and please rate and review the podcast! Credits: Precision Podcasting (Podcast editing) and Shutterstock/Florian (Music). Image created with Canva; photos used with permission of guest.

We remember Sarah Milgrim and Yaron Lischinsky through the voices of those who knew them. Hear about Sarah's peacebuilding in Morocco and Yaron's diplomatic efforts to forge stronger ties between Israel and its neighbors. Both were members of the Israeli diplomatic corps and AJC's extended family. They were tragically murdered after leaving an AJC event in Washington, D.C. Dr. Dana Walker, the director of AJC ACCESS, the young professional program that hosted the reception, shares memories of traveling with Sarah to Morocco last fall as part of the Michael Sachs Fellowship for Emerging Leaders, organized by AJC and the Mimouna Association.  Then, Benjamin Rogers, AJC's Director for Middle East and North Africa Initiatives, reflects on his conversations with Yaron, who held a parallel diplomatic portfolio at the Israeli Embassy. Benjy and Yaron spoke quite often about their diplomatic work and the importance of Israel's relationship with its neighbors. Benjy recalls their last exchange, just moments before Yaron was gunned down. Resources: What To Know About The Murder of Sarah Milgrim z"l and Yaron Lischinsky z"l in Washington, D.C. Listen – AJC Podcasts: The Forgotten Exodus: Untold stories of Jews who left or were driven from Arab nations and Iran People of the Pod:  Latest Episode: AJC's CEO Ted Deutch: Messages That Moved Me After the D.C. Tragedy Follow People of the Pod on your favorite podcast app, and learn more at AJC.org/PeopleofthePod You can reach us at: peopleofthepod@ajc.org If you've appreciated this episode, please be sure to tell your friends, and rate and review us on Apple Podcasts or Spotify. Transcript of the Interview: Manya Brachear Pashman:   American Jewish Committee and Jews around the world have been left completely shaken by the devastating events in Washington, D.C., where two members of the Israeli diplomatic community and AJC's community—Sarah Milgrim  and Yaron Lishinsky were brutally murdered after leaving an AJC reception.  Last week, AJC CEO Ted Deutch returned from Sarah's funeral in Kansas City to share what he's learned about Sarah and Yaron. He also shared how graciously people have reached out to express their support, including families of Israeli hostages.  This week, to remember Sarah and Yaron, we invited two AJC colleagues who knew them personally to help us remember.  Dana Levinson Walker is the director of AJC ACCESS, the program for young Jewish professionals. In that role, she traveled to Morocco with Sarah and two dozen other young bridge builders as part of the Michael Sachs Fellowship for Emerging Leaders organized by AJC and the Mimouna Association. Dana is with us now to share her memories. Dana, thank you for being here.  Can you please tell us about that trip last fall? Dana Walker:   I had the privilege of traveling with Sarah and 25 other young professionals and staff from the US, Israel, Morocco and France. And it was an extraordinary seven days. We traveled to six different cities in seven days. Normally, we backend an Israel trip as a part of this delegation. But due to some geopolitical issues happening in the region, we made a decision to just go to Morocco at that time, and then we were going to go to Israel later. And we are indeed scheduled to go to Israel in September of 2025.  It was an extraordinary experience for all different kinds of reasons. I think that the environment that we were walking into in Morocco was not only an embracing one, but it was also a challenging one. The day that we arrived in Morocco was the day we found out that the six hostages had been murdered in Gaza, and it was an incredibly painful moment for the Jewish participants, many of whom had a connection to the hostages or their families. And especially for someone like Sarah, who worked at the embassy, it felt really personal, because she had been advocating, of course, for their release, but also had just been a voice for many of them. And it was deeply devastating.  But the trip could have taken a really depressing and sad turn, and in reality, it actually took an incredible turn where I've often told people that it wasn't necessarily the trip we planned for, but it was the trip we needed. In that it really fostered and created a family that is bound together now for life. They wept together, they laughed together.  And I think what was so powerful is that it was Sarah's first time in Morocco, and she really just had this look of awe most of the time we were there. It was a look of deep reflection, a look of kind of taking it all in. We have really amazing photos of her, where she's just kind of looking very ethereal and like looking up in awe walking around the kind of old city of Marrakesh and things like that. And she was an incredible addition to our trip. She was a calming figure, a grounding figure.  She spent a lot of late nights with the folks, just talking on the bus, talking by the pool. I know that on the last night of our trip in Marrakech, she and a couple of other participants, Israelis and Moroccans and Americans, were up until 5:30 in the morning just talking about life and their ambitions and their goals and just understanding one another by the pool for hours and hours and hours. And Sarah was one of the people in that conversation.  Manya Brachear Pashman:   Can you share what perspectives she added to the conversations? What did she contribute? And also, if you know anything about those ambitions and life goals that she shared with others. Dana Walker:   Sarah was really passionate about the environment. She was really passionate about sustainability. She loved her dog. She was really passionate about animals, and specifically dogs. I remember one of the things that we were talking about when she was preparing to go on the trip, and we had to kind of navigate when we were going and if we were still going, because of the geopolitics of the region, and she was really concerned about boarding her dog. It's just so clear that she cares so much about everyone in her life, and especially in this case, her dog, who was a really focal part of her heart.  You know, she studied agriculture and sustainability, primarily sustainability. She was really interested in leaving the world a better place than she found it.  And when we were going through the acceptance process for the Sachs Fellowship, we had a ton of applicants. And I think really what drew us to Sarah's application was that she was someone who was literally about to start her job at the embassy. We decided to put her in the agriculture and sustainability track because that's what she cared about. She was really passionate about finding sustainable solutions, especially in the region, because the region is growing hotter with each kind of succeeding year. Food and water security is becoming a challenge.  Although, you know, after she started her role at the embassy, she really was doing a little bit of everything, but one of the key features that she worked on was working with survivors who had experienced gender and sexual based violence after October 7, and we couldn't really fathom anyone being more suited to do that work because of her gentle and calm and compassionate, assuring disposition.  So she was ambitious in that she had a lot of big dreams for the future, about what she wanted to do, and she was really figuring out what was going to come next for her. The diplomat's life is never easy, especially in these incredibly uncertain and overwhelming times after October 7, and she and Yaron were planning a future, and they were really figuring out what was coming next for them.  Manya Brachear Pashman:   Was that trip to Morocco the only time you spent with Sarah?  Dana Walker:   I met her in person for the first time at last year's AJC Young Diplomats reception, where we focused on talking about regional integration, which was something she was really passionate about. She was with her other embassy friends and colleagues, and it was great to meet her, because I knew I was going to be traveling with her in the fall.  So it was great to meet her in person. And then I saw her a few more times in DC over the course of our year, getting to know her. And then the last time I saw her was at the AJC Global Forum in April of just this year. Manya Brachear Pashman:   The Sachs Fellowship is named in memory of Michael Sachs. He was someone who dedicated his life to promoting Arab-Israeli engagement. We've heard a lot of people talk about Sarah's commitment to that as well. How could you tell? Is there a moment in your mind that stands out? Illustrates her belief that interfaith, intercultural engagement could and should happen? Dana Walker:   I believe in Essaouira–I believe that's where we were–and they had given us the option that we could either go around the souq and do a little bit of shopping, or we could go to a mosque and participate in an opportunity with this incredible singer and spiritual leader. And there were a few of us who said, Okay, we're gonna go. And Sarah was one of them, and she came with me and with the others. And it was so extraordinary, not only the experience of being in the mosque and hearing this unbelievable. Whole singing and just being kind of enveloped in this like spiritual warmth, which was just so wonderful.  But she could have gone shopping, and she chose to go to the mosque, and she chose to put herself out there and experience something that she would likely not get to experience again, in this kind of environment. She really took advantage of it. She was really eager to learn.  In order to be a peace builder, in order to be someone who can really transform hearts and minds, you have to understand the people that you're working with, and she really took advantage of that in the best way possible. I have some really great photos and videos of us in the mosque. And of course, they have this amazing tea ceremony. So the spiritual leader of the mosque had this really, really, really cute child who must have been maybe four or something. And, you know, hospitality is one of the pillars of Moroccan society, and everybody always does kind of the double cheek kiss.  And the spiritual leader wanted to make sure that his child went around and gave everybody these little kisses. And I remember Sarah, and I were like, Oh my God, this kid is so cute and so well behaved. Like, I can't believe it. So he came over and gave us these little you know, these little bissou or, you know, whatever, the cheek kisses. And we were just melting. He was so adorable.  Manya Brachear Pashman:   It sounds like you were met with so much warmth and kindness in Morocco. As you said, it was what it was the trip you needed. And it sounds like she didn't hesitate to immerse herself, to really engage with that, that kind of cross-cultural experience. Do you know of any examples of when she engaged with a not-so friendly crowd? Dana Walker:   One of the things that Sarah talked a lot about on the trip, and I know that my ACCESS leader and friend Laura mentioned this at the vigil yesterday is that, after Sarah started working for the embassy, a lot of her friends from graduate school and other places were really unkind to her and were really, really awful to her about her decision to work for the Israeli embassy. And in many cases, they stopped talking to her, they blocked her, they cropped her out of photos, they excluded her, and that was the kind of hostility she was facing. So I think what's really telling is that the people who love her and embrace her so much include Moroccan Muslims who saw her for the kind of person that she was. Which was this extraordinarily warm and caring and kind and compassionate person, but also someone who had a vision for securing a better future for everyone in the region, regardless of whether they were Jewish or Muslim, regardless of whether they were Israeli or Palestinian or Moroccan. Manya Brachear Pashman:   Did she ever talk about how she handled those broken friendships?  Dana Walker:   I think they were just really painful for her. I think they were really hard. I think she found a lot of comfort in hearing from the other Americans on the trip who had also lost friendships and relationships and relationships after October 7. It was a very common refrain from a lot of the participants that some of their coworkers or long friendships, relationships, even with family, had been fractured or damaged or kind of beyond a place of repair.  And I think in many ways, not misery loves company, but you know, she was surrounded by others who understood her experience and vice versa. That they all could appreciate, because they had all been through it in some way or another. So her experience was a familiar one, unfortunately, and a familiar one for many American Jews. So I think she took comfort in knowing that other people on the trip were experiencing similar things. Manya Brachear Pashman:   So Dana, how are you finding any glimmers of hope going forward, after that evening? Dana Walker:   You know, I . . . in my almost seven years of working at AJC, which is a long time, I think at this point, have discovered that the key to keep doing what we do is looking at our work through a glass, half full lens, because If we don't, it's just exhausting and debilitating. And I what gives me hope is knowing that even in her last sort of moments, that she was fulfilling her desire to be a glass half full person. She had vision for how to support a sustainable region, how to deeply invest in her relationships with her colleagues and friends across many nations and many backgrounds.  And I urge others to try and embody that sense of optimism and glass half full approach, because the person who perpetrated this brutal act sought to destroy the work, and the only way forward is to amplify it and double down on it. So that's the hope that I get out of this experience. Is just knowing that we owe it to Sarah and to Yaron to keep amplifying their vision for what was possible. Manya Brachear Pashman:   Sadly, Sarah is not the first Sachs Fellow that the current cohort lost this past year. At AJC Global Forum in New York in April, AJC honored Laziza Dalil, a co-founder of Mimouna Association. She was a Moroccan Muslim who dedicated her life to repairing Arab Israeli relations. She posthumously received the Ofir Libshtein Bridge Builder Award at Global Forum. Dana, how are you and the Sachs Fellows doing through what I can only imagine has been a difficult time? Dana Walker:   It just all seems so unfair. Deeply unfair and deeply painful. That two of the best and brightest were taken from us. Were stolen from us, really. And it's something that we are grappling with. We're still processing. We're still dealing with it. I think what has been tremendously helpful is that we are grieving as a family.  We are grieving as a group of not Moroccans or Israelis or Americans or French people, but as a collection of people who by fate and circumstance, are now bound to each other forever by both the trauma and the joys of what we've experienced as a community in service of trying to make the world a better place. And it's hard. But we are going to keep going because of it. Manya Brachear Pashman:   If only that shared sense of grief was as powerful in the region. Dana, thank you so much.  Dana Walker:   Thank you, Manya.  Manya Brachear Pashman:  As AJC's Director for Middle East and North Africa Initiatives, Benjamin Rogers handles the Middle East portfolio for American Jewish Committee. The same portfolio that Yaron Lischinsky handled for the Israeli Embassy.  Benjy and Yaron spoke quite often about the importance of Israel's relationship with its neighbors. Benjy is with us now to recall his last conversation with Yaron, moments before his death. Thank you for joining us, Benjy. You were at the event in Washington that night. Where were you when the shots were fired just after 9 p.m.? Benjamin Rogers:   I left the museum around 8:55pm and I was in a taxi heading home, when I got a text message letting me know that there's been shots fired. Talked to a lot of people from the Israeli embassy, from AJC, trying to get a sense of what was happening. I remember calling Yaron, asking if he was okay, texting him if he was okay. And then everything kind of unfolded once I got home. A lot of confusion initially, and then kind of everyone's worst fears were soon realized. Manya Brachear Pashman:   You knew Yaron through the particular work that you both did, correct?  Benjamin Rogers:   I have the privilege of working on the Middle East file for AJC and Yaron also had the privilege of working on the Middle East file for the Embassy of Israel. And the Embassy of Israel is quite large, but believe it or not, there's only two people that really focus on the Middle East–Yaron and then his supervisor, Noa Ginosar. So Yaron was someone who I used to see frequently in Washington. He would always be at various events. It was always fun to have Yaron, an Israeli representative at different programming with Arab diplomats, Arab representatives. Something that was clearly important to us at AJC, but also deeply personal to Yaron. Israel at the time of the Abraham Accords, Israel post October 7, Israel at a time of difficulty, how could we work together on a shared mission of advancing regional integration. And this was something that – you know, Yaron was not the loudest person in the room ever. He, in that sense, was not your typical Washingtonian. But he always had this presence. He always had this smile on his face.  So whenever he was there, you knew you felt this comfort. People have been saying a lot, who have been meeting his family, that he comes from a very noble family, and I think that perfectly describes Yaron. He was a noble guy. He was always somebody who was happy to be where he was. You could tell the work meant a lot to him, and someone who I always enjoyed being able to see.  That night, I got to spend a good amount of time with him. I had seen him a few weeks prior, but we didn't really have the time to catch up, and it was just a great opportunity to be able to talk with him. He shared, he was very excited to go home. He hadn't been home in close to a year. Was going to see his family. He was going to go over Shavuot. Again, with that typical Yaron smile, calm energy, noble engagement.  He was really happy that night, and that's something, the more I talk about this, the more that's important for me to share. Just because I am a new father, I can only imagine what his parents are going through. But he was happy that night. He was at a really good place. And I think that that, I hope, that brings some solace and meaning to all who knew and loved him.  Manya Brachear Pashman:   I know people did more than mingle at this reception. Much has been said about the cruel irony that this was a program about humanitarian aid to Gaza. Could you speak a little more about that? Benjamin Rogers:   The event on Wednesday night was one that I moderated, and one that I was actually quite nervous to moderate. It was on humanitarian diplomacy. This is not an easy topic to discuss right now. There's a lot of complexity, a lot of hardship, a lot of heartbreak, but the fact that he was there for this conversation showed his willingness to engage, his willingness to hear a conversation. It was not a political discussion.  It was a discussion with representatives from IsraAID and representatives from Multifaith Network–that was really working on showcasing how interfaith engagement, how IsraAID came together to say, how do we do something good? How do we do something good at a time when there's not so much humanity right now.  And it was about trust. It was about doing better. It was about looking forward. And that I think encapsulates not only Yaron's spirit, but very much Sarah's as well, who I knew less well, but was very much part of the AJC family. Very much also deeply believed in being a bridge, bringing people together.  Manya Brachear Pashman:   Is there a conversation or a moment, an encounter that really stands out for you as your key memory, core memory, if you will, of Yaron? Benjamin Rogers:   We always used to joke about diplomats that we had engaged together. There's a lot of sensitivities in this, but we would always seem to be at events where it was a great networking opportunities and great opportunities to expand understanding throughout the Middle East. And we would always kind of laugh and talk about how happy we were to be able to do some of those small engagement, small steps together.  That and his smile. This was always somebody who walked into a room and again, not the loudest person, but someone who you could just tell was good natured, had a good heart, and that's essential in this work. There are a lot of good people in this field. Not everybody, though, is to the level of Yaron and to the level of Sarah, and I think…I've been going through many different emotions. Most of it is just this feeling of surrealness. This is somebody who I just saw and is now gone. I still haven't fully processed that. But what I'm coming to more and more is that we've got to do better. We're better than this. We're all better than this. Yaron and Sarah were better. We need to find a way to live up to their ideals. Professing kind of what he stood for.  How do we get out of this period? How do we find a more understanding, a more hopeful, more empathetic world where we pull away from this black and white, good and bad, explain this to me in a tweet or a five second clip. This is complex. We've seen just how tragic this environment can be, how tragic and costly words can be, and I hope that for everyone, it is a rallying call to be better.  Manya Brachear Pashman:   Thank you so much, Benjy. Benjamin Rogers:   Thanks Manya.   

As Prime Minister Benjamin Netanyahu began facing cross-examination by prosecutors in his criminal trial, the majority of Israelis are much more focused on “life-and-death” issues as the Gaza war wears on, Haaretz columnist and public opinion expert Dahlia Scheindlin said on the Haaretz Podcast. The subdued level of public interest “highlights how Israelis have become resigned to the extraordinary situation of their prime minister being on trial for corruption during the longest war and the most devastating war Israel has ever had,” Scheindlin said. While polls show a majority of Israelis frustrated and “furious” over that situation, “they feel helpless to do anything about it,” Scheindlin added. Deeply upset about the continuing hostage crisis and IDF casualties, and with reservists and their families exhausted, the Israeli public has little patience for courtroom banter regarding issues like the size of a Bugs Bunny doll that a Hollywood tycoon gave to the Netanyahu children in the 1990s which, Scheindlin said, “trivializes the proceedings.” In her conversation with host Allison Kaplan Sommer, Scheindlin also analyzes the brewing political crisis in Israel as the ultra-Orthodox party Degel HaTorah threatens to bring down the government over its failure to pass a law exempting Haredi men from military service and assesses the odds as to whether the country will soon be heading into new elections. “When governments fall in Israel, they usually fall over religion and state issues,” she said. Subscribe to Haaretz.com for up-to-the-minute news and analysis from Israel in English. Read more: 'I Did Not Commit a Single Crime': Netanyahu Calls Indictments 'Persecution' on First Day of Cross-examination Explained: Why Is Benjamin Netanyahu on Trial? Yes to Transfer: 82% of Jewish Israelis Back Expelling Gazans A Grim Poll Showed Most Jewish Israelis Support Expelling Gazans. It's Brutal – and It's TrueSee omnystudio.com/listener for privacy information.

Idolatry is powerfully attractive, but at the same time it is deeply offensive to God. How should we treat the idols of our hearts?

We welcome Austin Andrade, Nicholas Guardione, and Tim Ingram to this episode of Dave Tate's Table Talk Podcast!   Get ready for a powerhouse episode as Dave Tate sits down with two of the strongest rising stars in the sport—Austin "SMASH" Andrade and Nicholas Guardione—alongside their elite coach, Tim Ingram, owner of Heavy Metal Fitness in San Antonio, TX, widely regarded as one of the strongest gyms in America.   At 31 years old and weighing 390 lbs, Austin Andrade has made a massive impact on the Strongman scene. In 2024, he placed 7th at World's Strongest Man and 5th at Strongest Man on Earth, building on wins at the 2023 Shaw Classic and World's Strongest Latino. His highlight reel includes a 1,000 lb deadlift at Giants Live 2024. Proud of his Mexican heritage, Austin is driven to represent both Mexico and the USA on the world stage. Outside the gym, he shares life with his wife, Maisy, and their two dogs, Bruno and Baya. Follow him on Instagram @smash__andrade and YouTube via TheTexasBoys11.   Nicholas Guardione, 30, stands 6'5” and brings both size and skill to the sport. In 2024 alone, he won the Official Strongman Games World Championship, took first at the Arnold Amateur, and placed second at the Shaw Classic Open. His elite lifts include a 410 kg wagon wheel deadlift and a 380 kg log clean and press. Deeply connected to his Italian roots, Nicholas also celebrates a new chapter in life with his wife, Emma. He and Austin document their training and competitions on their shared YouTube channel TheTexasBoys11. Follow Nicholas on Instagram @nickguardione.   At the core of their success is Tim Ingram, the founder of Heavy Metal Fitness. Tim holds a BS in Kinesiology (cum laude) from Texas A&M San Antonio and earned the Distinguished Alumni Award in 2021. Over the past 11 years, he has built a reputation for developing national and world-level athletes in Strongman, powerlifting, and jujitsu. Heavy Metal Fitness has produced an Arnold-qualified Strongman every year since 2016, and Tim takes pride in cultivating talent from the ground up—many of his athletes first learned how to lift within his walls.   Beyond the gym, Tim is a dedicated family man. He is married to Michelle Martinez, and together they raise their two sons, Timmy and Troy Ingram. This family foundation mirrors the values he instills in his training—discipline, loyalty, and perseverance.    Follow Heavy Metal Fitness on IG: @heavymetalfit  Don't forget to like, comment, and subscribe to elitefts for more Table Talk episodes with strength sport's most powerful voices.   THANK YOU TO OUR SPONSORS  Get Started with Your AG1 Starter Kit: https://drinkag1.com/DAVETATE Get 10% OFF Your Next Marek Health Labs (CODE: TABLETALK): https://marekhealth.com/ Get a FREE LMNT Sample Pack: https://partners.drinklmnt.com/free-gift-with-purchase?utm_campaign=agwp&am…   Save Up to $315 at Sleepme: https://sleep.me/tabletalk Get 10% OFF RP Hypertrophy App (CODE: TABLE TALK) :https://go.rpstrength.com/hypertrophy-app/  Get 10% OFF at elitefts (CODE: TABLE TALK): https://www.elitefts.com/  Get 10% OFF at Granite Nutrition (CODE TABLETALK): https://granitenutrition.com/ Save $250 at the Business of Strength Retreat 2025 and use CODE: Elite250 at www.bosretreat.com     SUPPORT THE SHOW    All profits from elitefts Limited Edition Apparel, Table Talk Coffee, and Team elitefts Workouts, Programs, and Training eBooks support Dave Tate's Table Talk Podcast.    elitefts Shop: https://www.elitefts.com/  elitefts IG: https://www.instagram.com/elitefts/    elitefts  Limited Edition Apparel: https://www.elitefts.com/shop/apparel/limited-edition.html

Send us a Positive Review!Series Title: In-depth Exploration of Patriarchy & its Correlation to Violence & Abuse [Part III of X]In this jaw-dropping episode (at least it was jaw-dropping for Val & Nath to prepare and produce) Val & Nathan talk about the "Female Fear Factory" which is a phrase intended to communicate the implicit rules that girls and women worldwide are taught to follow in order to be safe in this world where patriarchy is treated as a "given" that must be managed and obeyed. If you care about the spiritual, mental, and physical wellbeing of yourself, your loved ones (of all genders) and your community at large--this series is a crucial masterclass. Referenced in this Episode: The Female Fear Factory; Unravelling Patriarchy's Cultures of Violence -  Pumla Dineo GqolaSupport the showListen, Share, Rate & Review EPISODES Friday Episodes Annual Subscription $89 Friday Episodes Monthly Subscription $10 Valerie's Support & Processing Groups Donate: ⁠Venmo or Patreon⁠ Visit our Website

Join Premium! Ready for an ad-free meditation experience? Join Premium now and get every episode from ALL of our podcasts completely ad-free now! Just a few clicks makes it easy for you to listen on your favorite podcast player.  Become a PREMIUM member today by going to --> https://WomensMeditationNetwork.com/premium Settle yourself in this morning, And let your body relax. PAUSE (5 SEC)... This affirmation can be said over and over again, Until it sinks deep into your consciousness.  Deep into your spirit.  PAUSE (10 SEC)... So take a deep breath in, And let yourself hear words of unconditional love.  Join our Premium Sleep for Women Channel on Apple Podcasts and get ALL 5 of our Sleep podcasts completely ad-free! Join Premium now on Apple here --> https://bit.ly/sleepforwomen  Join our Premium Meditation for Kids Channel on Apple Podcasts and get ALL 5 of our Kids podcasts completely ad-free! Join Premium now on Apple here → https://bit.ly/meditationforkidsapple Hey, I'm so glad you're taking the time to be with us today. My team and I are dedicated to making sure you have all the meditations you need throughout all the seasons of your life.  If there's a meditation you desire, but can't find, email us at Katie Krimitsos to make a request. We'd love to create what you want!  Namaste, Beautiful,