Podcasts about economic recession

In this episode of Retirement For Living, JoePat Roop discusses the distinction between being rich and being wealthy, emphasizing that true wealth encompasses health, family, and peace of mind rather than just financial assets. He explores the gradual transition into retirement, the importance of customized retirement planning, and the significant role taxes play in retirement expenses. Additionally, he highlights the necessity of planning for long-term care to avoid financial devastation during retirement. For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Hosts: Taylor Morgan and Adam Gardiner  Even though tariffs on Canada and Mexico have been paused for another month, Republican lawmakers are growing alarmed, saying their constituents are struggling to follow and adapt to the back-and-forth on tariff plans. The stock market has also been in rough territory today after comments the President made over the weekend about a possible recession this year. This all comes while the Commerce Secretary says there's "no chance" of a recession. Senior Economist at Zions Bank Robert Spendlove gives his expert opinion on it all. 

Prof. Kim Byung-joo of International Relations at Hankuk University of Foreign Studies will talk about President Trump's tariffs' effect on the domestic economy and Korean industries' response

In this interview, former BlackRock PM Ed Dowd, doesn't hold back on where the U.S. economy is going (significantly lower) and how to prepare. WAIVER & DISCLAIMERIf you register for this webinar/interview you agree to the following: This webinar is provided for information purposes only. All opinions expressed by the individuals in this webinar/interview are solely the individuals' opinions and neither reflect the opinions, nor are made on behalf of, Bloor Street Capital Inc. Presenters will not be providing legal or financial advice to any webinar participants or any person watching a recorded version of the webinar. The investing ideas and strategies discussed on this webinar/interview are not recommendations to buy or sell any security and are not intended to provide any investment advise of any kind, but are made available solely for educational and informational purposes. Investments or strategies mentioned in this webinar/interview may not be suitable for your particular investment objectives, financial situation, or needs. You should be aware of the real risk of loss in following any investment strategy discussed in this webinar/interview. All webinar participants or viewers of a recorded version of this webinar should obtain independent legal and financial advice. All webinar participants accept and grant permission to Bloor Street Capital Inc. and its representatives in connection with such recording. The information contained in this webinar/interview is current as of February, 2025, the date of this webinar/interview, unless otherwise indicated, and is provided for information purposes.

An economist says some groups of people will be hit harder by rising unemployment. The country's labour market data for the final quarter of 2024 will be released this morning. Most experts predict the unemployment rate will rise from 4.6-percent to about 5-percent. ASB senior economist Mark Smith told Andrew Dickens the Wellington region's likely to be heavily impacted He says it picks up in the younger age group, because what typically happens is the last ones into the labour market are the first ones out. Smith says some ethnic groups will also be effected, like Maori and Pacific Islanders. LISTEN ABOVESee omnystudio.com/listener for privacy information.

What's on your 2025 bingo card? Mine is pretty packed. And today I'm going to go through what's on it and why I think it could happen. In part two, I'll be covering economic events, Trump's Failed Promises, and finally, a random category. CHAPTERS: Trump Caves on H1B Visas | 0:00 - 0:34 Many January 6 Protestors NOT Pardoned | 0:34 - 1:50 Ross Ulbricht NOT Pardoned | 1:50 - 2:15 JFK Files NOT Released | 2:15 - 2:26 Weed NOT Rescheduled | 2:26 - 3:20 Another Assassination Attempt | 3:20 - 3:38 RFK Abandons Vaccine Reform | 3:38 - 5:44 Cabinet Member Not Confirmed | 5:44 - 6:08 Mass Shooting Triggers Gun Control | 6:08 - 6:56 Major UAP Alien Disclosure | 6:56 - 9:11 Economic Recession | 9:11 - 10:31 Big Bank Closure | 10:31 - 10:55 U.S. Hits $40 Trillion in Debt | 10:55 - 11:29 Bitcoin Hits $200K | 11:29 - 12:24 *** You can check out Ladies Love Politics website to read a transcript/references of this episode at www.ladieslovepolitics.com. Be sure to follow the Ladies Love Politics channel on TikTok, Instagram, YouTube, Truth Social, Brighteon Social, Threads, and Twitter. Content also available on Apple Podcasts, Google Podcasts, Spotify, and wherever else you stream podcasts. Background Music Credit: Music: Hang for Days - Silent Partner https://youtu.be/A41A0XeU2ds

In this video, Gino Barbaro, co-founder of Jake and Gino, breaks down the recent Federal Reserve rate drop and its effects on the real estate market—specifically multifamily properties. With rates falling by 50 basis points, Gino shares insights on what this means for investors, homeowners, and the overall economy. Key Takeaways:Lower borrowing costs for personal loans, credit cards, and multifamily refinancing.How cheap money has driven up real estate prices and could stabilize the market moving forward.The psychological effect of rate drops on the residential market and why buyers focus more on monthly payments than home prices.The historical patterns of rate cuts and their links to past economic recessions.Why this could be a prime opportunity to enter a buyer's market in real estate and multifamily investing.Topics Covered:How the Fed's decisions influence the economy and real estate.The balance between inflation control and real estate price stability.Predictions for the multifamily market and the importance of understanding market cycles.Practical advice for investors on navigating this changing landscape.Why Watch This? Gino gives seasoned insights on how these changes impact real estate investors and homeowners alike, making it a must-watch for anyone looking to make smart moves in the current market. Get ahead of the curve and position yourself for success!Timestamps:0:00 – Introduction0:40 – The Fed's 50 basis point rate cut explained2:30 – Historical patterns of rate cuts and their impact4:00 – Real estate prices vs. interest rates6:20 – How multifamily investors benefit from rate drops8:10 – Market outlook for 2025 and beyond10:00 – What to expect in the next buyer's market12:00 – Conclusion & Key takeaways  Free Resource: Want a free PDF of Gino's book “Wheelbarrow Profits”? Email Gino at gino@jakeandgino.com!

Scary title, but a podcast here to bring you hope and to help you start thinking outside the box. The reality is, we ARE in an economic winter. The reality also is (and has always been) people thrive during these predictable downturns. In this podcast we talk about How to be proactive instead of reactive What I believe is the safest and most profitable industry for you to choose  How to get good at solving better problems  A peak into the past of some surprising businesses that came out ahead during challenging times.  *Want help find "your thing" that you can turn into a profitable online product? Download The Blueprint. It's my serious awesome playbook for helping you find your niche and turn that into profit in a way that feels good to you and them.  https://www.karlajoytreadway.com/blueprint   Follow me on instagram @karlajoytreadway    Receive weekly strategy and insights on the world here (insert newsletter link)     Other Resources:   Need a better way to start your day? Insert Change Your Mornings Change Your Life Freebie  https://www.karlajoytreadway.com/change-your-mornings     Want help making better content? https://www.karlajoytreadway.com/content-ideas   Ready to turn your purpose into profit? Join The Sovereign CEO Academy. Weekly live coaching with me and monthly workshops in all things self and business mastery. Get unstuck, clarify your direction, learn marketing mastery and create a strategic plan for success.  Accountability and growth community for freedom minded creatives and entrepreneurs. https://www.karlajoytreadway.com/the-sovereign-ceo     Want high level coaching and expert eyes on your business and marketing strategy? See all available offers here https://www.karlajoytreadway.com/coaching-packages     Other Related Episodes:    1. Ep.111 Where are you vulnerable right now? https://open.spotify.com/episode/7Ap6O59VRP7iJjcdXIpkJo?si=e8bd49db06ff4d29 2. Ep. 106 Algorithm Proof Your Business https://open.spotify.com/episode/3oiY9pVk6t74votooFBhQW?si=ca877b8494d94da1     2.

Sahm Rule triggered after Jobs Report. 8/2/24 Recession next?

Contact Chris: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on X Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Chris Contact Dan: Email Dan https://www.corepln.com/dan-hine Welcome to the newly branded and relaunched podcast! We are calling this the Extreme Personal Finance Show. How rad! Right? Dan and Chris explore if we are, or not in an economic recession. But most importantly, does it really matter and should we be concerned?  Resources: https://heavymetal.money/recession/ https://heavymetal.money/glossary/ --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Could the #commercialrealestate market be the ticking time bomb that triggers the next #economicrecession? Non-performing loans, steeply discounted commercial assets, and high deficits hiding deeper economic woes - my guest and I tackle these pressing issues head-on.From our June 12, 2024 Win-Win Webinar, I bring together three eminent voices in banking and real estate finance - William Erbey, President, Salt Pond Holdings, LLC, Bill Moreland, Partner, BankRegData.com and Chris Whalen, Chairman, Whalen Global Advisors LLC.In a riveting discussion, we unveil the hidden dangers of non-performing loans #npl that federal spending might be masking, unpack the inflationary threats posed by ballooning deficits, despite the Federal Reserve's efforts to control the situation, highlight the staggering debt and dwindling demand leading to deep discounts on asset sales, and take a deeper look into the escalating issues within the commercial loan sector of the #bankingindustry.From the challenges of repurposing commercial buildings to the factors reshaping the market to the opportunities and risks for investors, this episode promises a thought-provoking exploration of the intricate dynamics at play in today's economic and real estate landscapes.William Erbey on LinkedIn: https://www.linkedin.com/in/william-erbey-/Bill Moreland on LinkedIn: https://www.linkedin.com/in/bill-moreland-097586/Chris Whalen on LinkedIn: https://www.linkedin.com/in/rcwhalen/If your intention is to securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, please consider joining our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com and press the INVEST button to be contacted by our team.    Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

In this week's episode of The Fierce Factor podcast, we'll address some of the rumblings I've been hearing about related to our constricting economy. Is this societal fear-mongering, or is a recession really on the horizon?  In this episode, I'll give you straightforward advice on why a potential recession might be imminent, why these things happen, and most importantly, some strategies for thriving through it all.  We'll discuss how to build a resilient business that can withstand economic fluctuations by understanding what your top customers need and creating an experience where they feel confident to continue investing in themselves.  I'll cover five key strategies to cultivate abundance during a recession. Remember, some of the best businesses started during economic downturns. We'll look at examples of how to capitalize on gaps left by competitors and the importance of maintaining strong relationships with your customers to keep them spending confidently. Finally, don't forget to register for our Strategic Planning Masterclass on June 14th. Be sure to attend live to get access to a 24-page strategic planner. Replays will be available for registrants only.  Just visit klcconsultants.com/masterclass or DM me on Instagram for the link. Enjoy this episode, and let it inspire and empower you to focus on the right things during these economic fluctuations and don't forget to remember what you're capable of, goddess!  Xo, Kaeli Book a Strategy Call with Team KLC Subscribe to our Weekly Newsletter, The Blueprint KLC Consulting Website Kaeli on Instagram Kaeli on LinkedIn

In this episode, we delve into the effects of economic uncertainty on our personal lives. Reflecting on a 2001 conversation with my brother-in-law, Don Xavier, I discuss how peace of mind is crucial for sound financial decisions. We explore how money-related fear often stems from a lack of inner peace, contrasting with the clarity that comes when at peace. We also examine the spiritual approach to financial concerns, sharing personal stories and insights on overcoming fear through mindset shifts.   VISIT THE SHOW NOTES HERE FOR MORE: https://www.jimfortin.com/321   LIKED THE EPISODE? If you're the kind of person who likes to help others, then share this with your friends and family. If you have found value, they will too. Please leave a review on Apple Podcasts so we can reach more people.   OTHER RESOURCES YOU MAY ENJOY: Transformational Coaching Program (TCP) My Instagram account My Facebook page Sign up for the 9-Day Get Unstuck Challenge Click here to send your questions   UPCOMING EVENTS: Join me in my 'Get Unstuck' Challenge to make the most out of 2024.   Thank you for listening!  With Gratitude, Jim Fortin

In this episode, we delve into the effects of economic uncertainty on our lives, examining stories about stability and the anxiety surrounding potential downturns. We discuss global shifts and personal tales, from a millionaire postponing his dream home purchase due to market fears to an average person's job security worries. We also tackle the myth that financial security guarantees happiness, using Tom Selleck's lifestyle concerns as a case study to debunk this common misconception.   VISIT THE SHOW NOTES HERE FOR MORE: https://www.jimfortin.com/320   LIKED THE EPISODE? If you're the kind of person who likes to help others, then share this with your friends and family. If you have found value, they will too. Please leave a review on Apple Podcasts so we can reach more people.   OTHER RESOURCES YOU MAY ENJOY: Spend An Evening With Gary Zukav My Instagram account My Facebook page Sign up for the 9-Day Get Unstuck Challenge Click here to send your questions   UPCOMING EVENTS: Join me in my 'Get Unstuck' Challenge to make the most out of 2024.   Thank you for listening!  With Gratitude, Jim Fortin

Fighting for Jews with Adam Guillette    0:00.000    Plasmic Echo | Surveilling Donald Trump    9:32.719    An Economic Recession on the Horizon    16:50.408   Elon Musk Fight for Freedom of Speech    27:04.214    

Mike Switzer interviews Bruce Yandle, Dean Emeritus at the College of Business & Behavioral Science and Alumni Professor of Economics Emeritus, both at Clemson University.

In today's episode, Patti welcomes Chief Investment Officer Brad Everett for a forward-looking Economic Outlook on 2024. Addressing the backdrop of a political campaign, ongoing wars, geopolitical risks, and high interest rates, their discussion provides insights into crucial financial considerations for listeners. From references to 'Back to The Future' to reflections on the Phillies' 2023 season, Patti and Brad deliver an entertaining and educational conversation, highlighting the significance of individualized financial planning, time horizons, and rational decision-making. Tune in for valuable insights and a commonsense perspective on navigating the evolving economic landscape.

Welcome to another impactful episode of the MoneyfitMD podcast. In this episode titled "What to do when it feels like it's not working," you'll gain valuable insights and tools to navigate challenges effectively. Here's a sneak peek into the key takeaways:Thoughts vs. Facts: Learn the importance of distinguishing between thoughts and facts when assessing whether things are working or not. Discover how this differentiation guides your problem-solving approach.Seasons of Life: Understand the cyclical nature of life, drawing parallels between changing seasons and evolving circumstances. The Power of Movement: Uncover the transformative impact of taking action. Explore how physical and strategic movement can break patterns, reignite progress, and inspire positive change.Belief and Perspective: Understand the concept of belief as a powerful tool.Rest and Recoil: Recognize the importance of rest in the midst of our fast-paced lives. Understand how prioritizing rest contributes to creativity, generosity, and overall well-being.Don't miss out on these invaluable lessons! Tune in to the MoneyfitMD podcast for a more in-depth exploration of these topics we look forward to having you as part of our community. Discover the recipe to help you create the freedom you want.  Join the "Know Your Money More Challenge"Ready to explore the transformative power of sabbaticals?Download the free Sabbatical Guide at Moneyfitmd.com/Sabbatical and embark on a journey to financial freedom and personal growth. Share the link with your fellow physicians and join the movement to normalize taking pauses for a healthier and more fulfilling life.If you are a Hardworking, Busy Woman physician who wants to get good at money without wasting more time sifting through the internet. This is for you.  https://www.moneyfitmd.com/guideIf you are a female physician feeling stuck because of debt, you want The Debt Freedom Blueprint.This short mini-course will take you from debt hyper-focused to taking a sigh of relief because you finally have a plan & you know how to execute it.Get it here https://www.moneyfitmd.com/dwaFinally, you can now be part of  a money in-person gathering created with you in mind.Do you want the freedom to live on your terms without being limited by your finances or golden handcuffs?  Register now https://www.moneyfitmd.com/wycReady to liberate yourself and become the CEO of your money & life? Join the only community exclusively for women physicians. Apply here https://www.moneyfitmd.com/assessments/2147991133What kind of Investor are you? Take this quiz to find out www.moneyfitmd.com/quizif you haven't already, snag my video guide on creating your Seven Figure Life at www.moneyfitmd.com/tmdReady to liberate yourself and become the CEO of your money & life? Join the only community exclusively for women physicians. The doors are open https://www.moneyfitmd.com/We are social:Facebook: https://web.facebook.com/MoneyfitMD/Instagram: https://www.instagram.com/moneyfitmd/Youtube: youtube.com/@moneyfitmd

Jason discusses the topic of decentralized finance (defi) and its potential advantages in the cryptocurrency world. He also touches on the issue of the US housing shortage and how it presents opportunities for real estate investors. Additionally, Jason highlights the benefits of joining the “Fire Your Managers” program and announced an upcoming Empowered Investor pro meeting that will host a guest who will present a special “tenant insurance” product. Finally, he invites everyone to join their community to grow their real estate portfolio. Jason then interviews Professor Campbell R. Harvey from Duke University's Fuqua School of Business and the author of DeFi and the Future of Finance as they talk about the yield curve and Decentralized Finance. Harvey discusses the phenomenon of an inverted yield curve, which has predicted every recession for the last several decades. Harvey expressed his concern about the current inverted yield curve, which has been in place for 12 months, traditionally leading to a recession. Jason and Campbell also discuss the significance of an inverted yield curve and the potential of decentralized finance (defi) in the financial world. They identified problems with the current financial system and the possibility of solutions through DeFi, such as the need for an alternative to the SWIFT system for wire transfers and the ability to store and use value in transactions. With the advent of WEB 3.0 and the decentralization of monetary assets, DeFi is truly set to revolutionize the world in all economic aspects especially finance.     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason discusses the topic of decentralized finance (defi) and its potential advantages in the cryptocurrency world. He also touches on the issue of the US housing shortage and how it presents opportunities for real estate investors. Additionally, Jason highlights the benefits of joining the “Fire Your Managers” program and announced an upcoming Empowered Investor pro meeting that will host a guest who will present a special “tenant insurance” product. Finally, he invites everyone to join their community to grow their real estate portfolio. Jason then interviews Professor Campbell R. Harvey from Duke University's Fuqua School of Business and the author of DeFi and the Future of Finance as they talk about the yield curve and Decentralized Finance. Harvey discusses the phenomenon of an inverted yield curve, which has predicted every recession for the last several decades. Harvey expressed his concern about the current inverted yield curve, which has been in place for 12 months, traditionally leading to a recession. Jason and Campbell also discuss the significance of an inverted yield curve and the potential of decentralized finance (defi) in the financial world. They identified problems with the current financial system and the possibility of solutions through DeFi, such as the need for an alternative to the SWIFT system for wire transfers and the ability to store and use value in transactions. With the advent of WEB 3.0 and the decentralization of monetary assets, DeFi is truly set to revolutionize the world in all economic aspects especially finance.     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason discusses the topic of decentralized finance (defi) and its potential advantages in the cryptocurrency world. He also touches on the issue of the US housing shortage and how it presents opportunities for real estate investors. Additionally, Jason highlights the benefits of joining the “Fire Your Managers” program and announced an upcoming Empowered Investor pro meeting that will host a guest who will present a special “tenant insurance” product. Finally, he invites everyone to join their community to grow their real estate portfolio. Jason then interviews Professor Campbell R. Harvey from Duke University's Fuqua School of Business and the author of DeFi and the Future of Finance as they talk about the yield curve and Decentralized Finance. Harvey discusses the phenomenon of an inverted yield curve, which has predicted every recession for the last several decades. Harvey expressed his concern about the current inverted yield curve, which has been in place for 12 months, traditionally leading to a recession. Jason and Campbell also discuss the significance of an inverted yield curve and the potential of decentralized finance (defi) in the financial world. They identified problems with the current financial system and the possibility of solutions through DeFi, such as the need for an alternative to the SWIFT system for wire transfers and the ability to store and use value in transactions. With the advent of WEB 3.0 and the decentralization of monetary assets, DeFi is truly set to revolutionize the world in all economic aspects especially finance.     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason interviews Professor Campbell R. Harvey from Duke University's Fuqua School of Business and the author of DeFi and the Future of Finance as they talk about the yield curve and Decentralized Finance. Harvey discusses the phenomenon of an inverted yield curve, which has predicted every recession for the last several decades. Harvey expressed his concern about the current inverted yield curve, which has been in place for 12 months, traditionally leading to a recession. Jason and Campbell also discuss the significance of an inverted yield curve and the potential of decentralized finance (defi) in the financial world. They identified problems with the current financial system and the possibility of solutions through DeFi, such as the need for an alternative to the SWIFT system for wire transfers and the ability to store and use value in transactions. With the advent of WEB 3.0 and the decentralization of monetary assets, DeFi is truly set to revolutionize the world in all economic aspects especially finance.     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason discusses the topic of decentralized finance (defi) and its potential advantages in the cryptocurrency world. He also touches on the issue of the US housing shortage and how it presents opportunities for real estate investors. Additionally, Jason highlights the benefits of joining the "Fire Your Managers" program and announced an upcoming Empowered Investor pro meeting that will host a guest who will present a special "tenant insurance" product . Finally, he invites everyone to join their community to grow their real estate portfolio.  Jason then interviews Professor Campbell R. Harvey from Duke University's Fuqua School of Business and the author of DeFi and the Future of Finance as they talk about the yield curve and Decentralized Finance. Harvey discusses the phenomenon of an inverted yield curve, which has predicted every recession for the last several decades. Harvey expressed his concern about the current inverted yield curve, which has been in place for 12 months, traditionally leading to a recession. Jason and Campbell also discuss the significance of an inverted yield curve and the potential of decentralized finance (defi) in the financial world. They identified problems with the current financial system and the possibility of solutions through DeFi, such as the need for an alternative to the SWIFT system for wire transfers and the ability to store and use value in transactions. With the advent of WEB 3.0 and the decentralization of monetary assets, DeFi is truly set to revolutionize the world in all economic aspects especially finance.   Key Takeaways: Jason's editorial 1:27 Today's episode: The future of DeFi 2:25 The 'other' housing crisis- a huge opportunity for real estate investors 5:05 Chart: Housing demand robust on favorable age demographics of FTHBs 6:56 Home prices hit record in September 7:44 FireYourManagers.com 8:38 Join our monthly meeting- go to EmpoweredInvestorPro.com 9:27 Join our cruise- go to EmpoweredInvestorLive.com    Campbell R. Harvey interview 10:07 The inverted yield curve 13:11 Adjusting for inflation and the FED 16:49 Is the future inflationary 18:16 The yield curve- why it inverts and is a predictor of a recession 21:54 Decentralized Finance (DeFi)  27:09 WEB 3.0 30:02 Ethereum 31:30 Competing with the government's #1 product- Fiat currency 36:30 The El Salvador bitcoin experiment   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

A new economic analysis of the U.S. economy projects a recession around the corner. An international nonprofit, The Conference Board, has released its Leading Economic Indicators report, which projects into the next year for the U.S. economy. That analysis, among other things, projects high inflation, high interest rates and declining consumer spending. --- Support this podcast: https://podcasters.spotify.com/pod/show/america-in-focus/support

Bob Stein, Deputy Chief Economist at First Trust, spent several years working in Washington D.C. before coming to First Trust in 2006, including as chief economist for the Senate Budget Committee and as Assistant Secretary of Economic Policy at the US Treasury Department.  In this episode of the First Trust ROI Podcast, Ryan and Bob discuss:Why many are underestimating the likelihood of a US recessionHow the Federal government will “eventually” address irresponsible budget deficits (just not yet)Why the economy may play an outsized role in determining the next US presidentReach us at https://www.ftportfolios.com/Connect with us on LinkedIn https://www.linkedin.com/company/first-trust/Follow us on 'X' @ftportfolios

In many world nations, if you're born poor, you stay poor. I discuss how in America, you can be upwardly mobile. Back in 2010, real estate prices had fallen, but rents had not. This created years of cash flow. Today, as prices have outpaced rents, cash flow keeps shrinking. Our Investment Coaches have access to income properties with 4.75% and 5.75% mortgage interest rates. It's a way to "bring back cash flow". Get started at GREmarketplace.com/Coach Terrific housing intelligence analyst Rick Sharga joins us for the first of two consecutive episodes. Rick & I discuss the condition of the American consumer, inflation and interest rates, concerns about a potential economic downturn, the housing market, the impact of consumer confidence on spending, and the actions taken by the Federal Reserve to control inflation.  There's flagging consumer confidence and a yield curve inversion. Are these finally harbingers of an economic recession? Rick's informal survey of economists find that there's a 50-50 chance of a recession this cycle. Earlier this year, 80% of economists felt that a recession was imminent. If there is a recession this cycle, Rick thinks there's a probability that it will be mild. Average hourly wages are $28-29 / hour. Wage growth is 4-5%. Wages are finally running higher than home price appreciation. Timestamps: The Future of Real Estate Investing [00:01:33] Discusses how owning real estate can help individuals move into a different wealth class and the benefits of owning rental properties. Changes in the Real Estate Market [00:04:06] Explains how the real estate market has changed over the years, with property prices catching up to rents and the decrease in cash flow opportunities. Taking Advantage of Low Mortgage Rates [00:07:53] Highlights the opportunity for investors to take advantage of low mortgage rates offered by builders and the benefits of using their preferred lenders. (Yes, even here in 2023. We have 4.75% and 5.75% rates that builders buy down.) The housing market correction [00:11:31] Discussion on the correction in the housing market and its localized impact on different regions. Economic landscape of the United States [00:16:09] Overview of the US economy, including GDP growth and the strength of consumer spending. Wage growth and home price appreciation [00:20:16] Comparison of wage growth outpacing home price growth, impacting housing market affordability. Consumer Confidence and Spending [00:21:24] The correlation between consumer confidence and spending during the pandemic, the impact of subsequent waves of COVID, and the role of pent-up consumer demand and government stimulus. Red Flags in Consumer Spending [00:22:25] The disconnect between consumer spending and low confidence scores, the record level of consumer credit card use, and the decrease in personal savings rates. Inflation and the Federal Reserve [00:25:44] The high inflation rate in 40 years, the actions taken by the Federal Reserve to control inflation, the impact on housing costs, and the potential for a recession. Yield Curve Inversion and Recession Predictions [00:31:07] Discussion on the yield curve inversion and its historical correlation with recessions. Impact of Recession on the Housing Market [00:32:04] Exploration of the potential impact of a recession on the housing market. Part Two: State of the Housing Market and Future of Investment Real Estate [00:33:03] Teaser for the next episode, which will analyze the state of the housing market and the future of investment real estate. Resources mentioned: Show Notes: www.GetRichEducation.com/466 Rick Sharga on X (Twitter): @RickSharga Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Keith Weinhold (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Today, it's part one of two of my exclusive interview with one of the nation's foremost housing intelligence analysts. How's the condition of today's American consumer? What's the future of inflation, the Fed interest rates? And should you really be concerned about a downturn today on get rich education?   Corey Coates (00:00:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   Keith Weinhold (00:00:51) - Welcome from Orange County, Florida, to Orange County, California, and across 188 nations worldwide. You're listening to one America's longest running and most listened to shows on real estate. With nearly nine years of weekly episodes. You're listening to Get Rich Education. I'm your host, Keith Wine expert, housing and mortgage analyst Rick Sugar is back and he is figuratively waiting in the wings. Here to give us an update on the economy shortly. In many nations of the world, if you are born poor, you stay poor. It's really hard to change wealth classes because you can't own anything in so many world places.   Keith Weinhold (00:01:33) - If you're born middle class, you also stay middle class. There's no way out of that. Owning real estate is the number one way to move yourself into a different wealth class. Owning your own business is another way, but with owning real estate, it's quite easy to follow a template and do what someone else has already done. Within a proven system. You don't have to have a new out-of-the-box business idea. For example, in the US, if you start collecting assets that pay you each month, you can quickly become upwardly mobile. In America, even if you were born into poverty and have a long line of impoverishment in your family, you can own your own home and that can help you go from poor to middle class. You can add rental properties and go from poor or middle class to wealthy because if you're in the US you are allowed to own things. Yeah, keep accumulating properties and keep getting rent money from tenants. In so many nations of the world. If you come from modest means, you just cannot get dozens of people or hundreds of people to pay you one third of their income every month.   Keith Weinhold (00:02:52) - But here you can get all these tenants to pay you one third of their salary in rent so you can close that class divide. It's up to you. That's what makes the US great. You can move into a different wealth class, the GSEs, the government sponsored enterprises. They will even give you backing on a bank loan so that you can do this. They're really encouraging this and enticing you to do this with as little as a 3% down payment on your primary residence or 20% down on rental properties. It's like they're almost forcing you to succeed. And there's even a 1% down program for primary residences now available in some places. So the bank gives you the loan, the tenant pays you the rent, and the government gives you the tax break. Like I say, that right there is using other people's money three ways at the same time, the bank, the tenant and the government, it all sort of falls in your lap if you want it to, but you do have to ask for it and you do have to do some arranging and you need to be diligent and attentive to.   Keith Weinhold (00:04:06) - But most Americans, they just aren't wise to this. Now, the real estate market, it has changed from a few years ago. It was spring of 2020 where we had that big inflection point, as you know, because I often discuss it. That was that supply crash. And since that time, home prices have run up faster than rents. But I'd like to give you some broader perspective here. There's something important with real estate investing that you may not have realized coming out of the global financial crisis 2008, 2009, 2010. At 2010, when we really started to lift up out of the rubble because by 2010, property prices were still down low. They were near the rock bottom. They're even lower than replacement costs in a lot of markets, which was artificially low. But see, rents didn't really fall much in the GFC. Rents stayed the same. So you know what happened in 2010 and all the years following it will cash flow began. And that's because all over America you then had these high rents and low purchase prices that had been beaten down by the GFC.   Keith Weinhold (00:05:18) - Cash flow like that wasn't really normal, but by now property prices have caught up to rents and even surpassed them. So besides investors being used to low mortgage rates, these ultra low rates, they also got used to this ultra high ratio of rent income to purchase price. That's just not there like it used to be. So today, in more places, you can't expect much of anything for cash flow now with a few years of. Income property ownership. Say if you bought something late this year, a few years later, now you shouldn't count on it. But rents, as we know, historically rise to then start providing you with cash flow to complement the other four ways that you're simultaneously paid. So my point is that today the deals aren't as good as they were ten years ago and five years ago, and that is all part of the provenance and perspective that I'm sharing with you from the real estate investing landscape starting from back around 15 years ago. But today I posit that it is still difficult to find a better place to invest a dollar than with a loan on carefully bought income property.   Keith Weinhold (00:06:31) - And I have some really good news for you here. All right. We know higher mortgage rates. They're not just a pain point for first time homebuyers and second time homebuyers for that matter, but they're a pain point for you, the investor. Well, if you didn't already know, we have largely sort of that problem here at Gray. And that is why investors like you are still snapping up rental properties fast. From Marketplace today, owner occupied mortgage rates are about 7% in income. Property rates are about 8%. But because of the strength of our marketplace networks and relationships here we have one new build provider offering a mortgage rate of 5.75%. Yes, they will see that your mortgage rate is bought down to 5.75% for your purchase. Yes, right here in today's environment, another new build investment property provider is offering a buy down to 4.75%. Yes, you heard that right. And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. So is cash flow back? Yes, a lot of times it is.   Keith Weinhold (00:07:53) - The builders know that it's a pain point for buyers and our coaches and I hear a Gary know it too, So we have rubbed salve on the wound here, I suppose. 5.75% interest rates, 4.75 or even 2.99. At times you'll have to use the builders preferred lender to get those terms. Otherwise I like to use Ridge lending Group because they specialize in income property loans. There is even more to it. These builders are in business to move property, so take advantage of it. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year, in addition to buying down the rate and don't know how long all this is going to last. So this could be a really good time for you to contact your investment coach. Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace slash coach and they're there to help you out.   Keith Weinhold (00:09:11) - Hey, it's really great to have the savvy and the experience of Rick Shaka back on the show today. His mind is always in the market. He's often doing these public speaking appearances informing audiences about it. He's been the executive vice president of markets at some of America's leading housing intelligence firms. We have so much to discuss that Today's episode is part one of two back to back episodes with Rick. This week, we'll discuss the direction of the economy. Next week, we'll go deep on the housing market. But even our discussion on the economy today is probably going to be viewed through the lens of having real estate investors in mind. So this intelligence is fresh and it is timely here in fall of 2023. But even if you're listening to this, a decade from now, in 2033, you are going to get lessons for all time. It's the economy this week and the real estate market next week. It could be a day or two until we have today's episode on Get Rich Education YouTube. But you can watch us there as well if you want the visuals and charts that complement our discussion.   Keith Weinhold (00:10:19) - Many of the sources that he cites today will be from Trading economics in the US Bureau of Economic Analysis. What's the present and future of the economy, especially as it pertains to real estate investor interest with Rick and I straight ahead. I'm Keith Reinhold in this is get rich education. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They've provided our tribe with more lows than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's So start your prequalification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25.   Keith Weinhold (00:11:31) - K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660, and this isn't a solicitation If you want to invest where I do, just go ahead and text family to 66866. This is real estate investment cogeneration. Listen to get Rich education with Keith Reinhold and don't quit your day dream. And you're going to get a fantastic market update today. And you're also going to learn lessons even if you're consuming this 5 or 10 years from now. Our expert guest was first with us here six months ago. He's been the executive VP of markets at some of America's leading housing intelligence firms. He was twice named to the Inman News Inman 100 most influential real estate leaders.   Keith Weinhold (00:12:54) - He is one of the country's most frequently quoted sources on real estate, mortgage and foreclosure markets. You've seen him seemingly everywhere CNBC, CBS News, NBC News, CNN, ABC News, Fox, Bloomberg in NPR got about just every letter of the alphabet in there on that one. Today, he's the founder and CEO of J. Patrick Company. They're a market intelligence firm for the real estate and mortgage markets. He has 20 plus years of experience in those industries. Hey, welcome back to Rick Saga. Thank you for having me, Keith. Happy to be here. It's an interesting time. Rick. I think some people are rather confused because you have such unusually low housing supply still. You have higher mortgage rates and we're careful not to call them high mortgage rates because we know historically they're pretty normal. And you have what I would characterize is a rather distinct regional variation in home price appreciation. So we're going to get some clarity today from that confusion. Now, if you're listening on audio only, Rick will describe the charts in a way that gives you a good experience.   Keith Weinhold (00:14:03) - If you're watching this on YouTube, go ahead and give us a like. So we really anticipate, Rick, your take on both the broader economy first and then the real estate market. That's exactly what we're going to go over today. And before we get started, I think you said something I'd like to emphasize a little bit. And this is something we talked about. I believe the last time we chatted is I've been saying all along that we were not going to see a housing market crash. We were going to see a correction of sorts and that the correction was going to be very, very localized. That the results you see in coastal California, in the Pacific Northwest, in markets that were overpriced, like Boise and Salt Lake City and Phoenix and Austin, we're going to be very different than what you saw on the East Coast, particularly the southeastern states, places like Tennessee and Florida and the Carolinas and virtually everywhere else in Texas other than Austin. So it's really worked out that way. There are some markets where we're seeing double digit price declines and other markets where prices continue to go up.   Keith Weinhold (00:15:05) - And we'll get into the national trends in a minute. But thought that was a really important point. Keith Yeah, Thank you for adding that, at least for a while there. Rick. It was one of the most unusual home price appreciation maps I have ever seen. There were some exceptions, but generally the nation east of the Mississippi River, you had rising home prices and recently west of the Mississippi River, you had falling home prices like a river divided it. It was really weird. To your point, it's normalized a little bit. I live in California. Speaking of weird and the pricing out here, the month over month prices and year over year prices went down for the first time in quite a while for about four consecutive months before normalizing in July. Now, even within California, you see different price trends depending on where you are in the state. But the point is really important for investors to remember that you almost threw the national numbers out, that they're important from a trend perspective, but you really need to become an expert in whatever market you happen to be investing in because the local conditions really determine how successful you're going to be.   Keith Weinhold (00:16:09) - Like the national outdoor temperature average is pretty useless, almost somewhat like the national home price average is. I guess the national home price average Still has some meaning to it though. Yeah, and you don't find quite as much variation in home price trends as you do in temperatures, but your points well taken. And again, it's important to be looking for economic trends. It's important to be looking for housing market trends and the markets that you're interested in investing in because that makes all the difference. So we're just going to talk about the general economic landscape of the United States, and then we're going to pivot into real estate and just what's going on with the housing market and getting the latest there. Yeah, why don't we jump right into it at this point, Keith, We're going to do a fall update on the housing market for this year. We're going to take a look at the economy. We'll take a look at what's going on in housing. I have a few slides to share on what's going on to delinquencies and defaults because I know a lot of investors are interested in foreclosure properties.   Keith Weinhold (00:17:11) - And then we'll have some closing thoughts and then you can chat a little bit more about some of the observations we're making in the market today. Let's start talking about that economy, including that part where some people anymore, year after year, they're always predicting this recession that never quite seems to happen. Well, we have predictions of a recession that are very much like predictions of a housing crash. And if you keep predicting that terrible thing long enough, someday you'll probably be right. It'll be right eventually. Just like a broken clock is right. Broken clock. It's right twice a day. So the GDP, the gross domestic product is the way that that most economists measure the strength of the economy. And the second quarter, this number was just adjusted downward a little bit, but we still had over 2% growth for the second quarter of 2023. That was a higher number than most economists had forecast. It was certainly a higher number than what the Federal Reserve was expecting. But it really shows you the strength of the US consumer.   Keith Weinhold (00:18:09) - A lot of people probably don't realize that almost two thirds of the GDP is comprised of consumer spending. There's other factors that go into it business spending, government spending, productivity, trade and the like. But two thirds of it is consumer spending. So when you see the GDP showing strong numbers, it typically means that the consumer is doing pretty well. And that's an important consideration as we move forward. Yeah, that's right. One of those reasons consumers are spending is because we're in this economy where pretty much if you want to have a job, then you've got a job. Yeah. The headlines read about tech companies doing layoffs and mortgage companies doing layoffs. Bottom line is the most recent unemployment numbers we saw were 3.8%. I think we're getting a little spoiled by some of these low unemployment rates because people forget historically, anytime you were under 5% unemployment, it was considered full employment. And the fact of the matter is there's still more jobs open than there are people looking for work. There's about 9.5 million open jobs in about 6 million people who are looking for work.   Keith Weinhold (00:19:11) - So employers have to compete with each other for those employees. And so these low unemployment levels are actually one of the things that's causing wages to go up, which continues to stoke inflation when there are more open jobs than there even are workers that makes employers want to entice employees with higher pay. Yeah, they need to do that to keep employees on the payrolls and they need to do that to hire new employees. So whether you look at hourly wages, which at the moment are up around 28, $29 an hour, or you're looking at annual wage growth, which is running around 4 to 5% a year. Wages are very strong right now. And this is the first time, Keith, in many years that I've been able to tell people that wage growth actually is running higher than home price appreciation for well over a decade. We saw home prices appreciate much more rapidly than we saw wages. And this is the first time in a while where that situation has been reversed. That's a really interesting takeaway, Rick.   Keith Weinhold (00:20:16) - Wage growth that's outstripping home price growth and that's going to be important going forward because one of the big headwinds that the housing market faces today is affordability. Despite what we just talked about, home prices nationally are running at all time high levels. We're going to talk about the cost of financing be much higher than it was just a year ago. And wage growth is the one positive in that category. As wages continue to grow and if home prices settled out a little bit, affordability ultimately will be a little bit better for potential homebuyers. Average wages at 28 to $29 an hour, Americans are basically making a dollar every two minutes now yet could be worse. And that varies, again, market to market, shock to job, but it shows you what's going on on average, partly because of this, consumer spending continues to be very strong. But one of the the real unusual situations we're looking at today is that there's usually a direct correlation between consumer confidence and consumer spending. And the more confident consumers feel about things, the more willing they are to spend money, particularly on big ticket items like cars and houses.   Keith Weinhold (00:21:24) - And that was all true. And the correlation held true until we hit the pandemic. And as we started to come out of the first wave of Covid, you saw consumer confidence start to go up, but then it came back down as we had subsequent waves of Covid. Then we had the war in Ukraine that we had high inflation and all sorts of other odds and ends. And consumer confidence has really never recovered back to pre-pandemic levels while consumer spending has continued to go up. And part of that is pent up consumer demand. We still hear people talking about supply chain delays, trying to order appliances and the like and having to wait for months. Part of it is all the stimulus money that the government poured into the economy during the pandemic and probably overstimulated the economy to a certain extent. One of my economist friends refers to what the government did in terms of stimulus, is trying to stuff $15 trillion into a $3 trillion hole. And the numbers may be a little lost. But think the visuals is image is kind of good.   Keith Weinhold (00:22:25) - But this disconnect we're seeing between. How much money consumers are spending and their relative low confidence scores is a red flag of sorts in a couple of ways. It's a red flag, among other ways, in that if consumer confidence doesn't recover, consumers ultimately could pull back on spending, and that really could ultimately lead us into a recession. Consumer spending outpacing consumer confidence. There are other two other red flags with this consumer spending, and we'll cover them pretty quickly. What is that? Consumer credit card use is at an all time high in the last quarter. For the first time ever, consumer credit card use topped $1 trillion. And the concern here is that consumers in a high cost of living environment may be tapping into credit cards to make ends meet. That's not a good scenario and ultimately is not a scenario that would end well. So part of what we're seeing kind of backstopping or enabling consumer spending is an increased amount of credit card use. The other red flag, Keith, is that consumer personal savings rates have gone down below historic averages.   Keith Weinhold (00:23:33) - So we hit an all time high in savings rates during the pandemic when the government sent out stimulus checks and unemployment benefits were enhanced. And candidly, there wasn't a lot consumers could buy. So they socked away a lot of this money post-pandemic. We saw savings rates drop down to almost historically low levels and they haven't come back much up from that. So the two red flags that we really are looking at right now, that could be indicators of trouble ahead for the economy are record level credit card use and lower than average savings rates. And again, both of those suggest that families who are sort of on the margins financially might be tapping into credit cards, might be tapping into their savings to make ends meet. In fact, I read some recent research that suggests that on average, most households have higher credit card debt than they have savings. It's not a great scenario, and this is consistent with many sources citing the fact that between 60 and 70% of Americans live paycheck to paycheck. Yeah, and it almost doesn't matter how high that paycheck is, which is a little bit counterintuitive.   Keith Weinhold (00:24:43) - I remember doing an interview on CNN years ago when Evander Holyfield mansion was being foreclosed on. It was a $30 million mansion outside of Georgia with two bowling alleys, swimming pool, indoor boxing rinks, basketball courts, the whole nine yards. I had to explain to the reporter that just because you're wealthy doesn't mean you're not living paycheck to paycheck. It's just sometimes there's more zeros to the left of the decimal point. Their cost of living tends to be much higher. So expenses are keeping up with income. All right, Expenses keep up with income. What's been going on in terms of consumer spending, in terms of wage growth, in terms of the GDP being strong has all contributed to inflation. And we had the highest inflation rate in 40 years. Not too long ago, we were up over 9% inflation year over year. And the Federal Reserve has taken very aggressive actions to try and get inflation under control. The primary tool they use is raising the Fed funds rate, which is basically what sets the rates on all short term interest.   Keith Weinhold (00:25:44) - And they've raised it more rapidly and higher than it pretty much any time in history. If you go back to the 80s, they actually raised the Fed funds rate higher because inflation was completely out of control then, but not as quickly as they did this time. So typically what you see is something more like what the Fed did say back in the 2015, 2016 period, where inflation ticked up a little bit. So they raise the Fed funds rate a little and they waited a while to see what kind of impact it would have. Then they raise it a little bit more and it's kind of a step by step process until they feel that inflation is peaked and they can then drop off the Fed funds rate. This time they raised it at higher increments they'd ever done before and much more rapidly. The good news is it does seem to be having its effect. The most recent inflation numbers are around 3% year over year, which is close to the Fed's target rate of 2% year over year. And a lot of the inflation rate that is reported on is housing costs.   Keith Weinhold (00:26:42) - And most of the housing costs are actually rental rates or what the Fed refers to is the rental equivalency. If you have a mortgage. And what we have seen is rental rates have gone back down from ridiculously high, asking prices. A year or so ago, it wasn't unusual to see an asking rent 15% higher than the prior rent rate. And that's in a market where the usual increase is 1 to 4%. So it was just completely off the charts. Those numbers have all come back to normal. And in some markets, we're actually seeing slight declines in year over year rental asking prices. The reason the Ric is bringing rents into the inflation discussion here is because rent and something called owners equivalent rent are a substantial contributor to the. They comprise more than a third of the CPI basket. Exactly right, Keith. And thank you for reminding me why I started this dissertation. The fact is that that decrease in rental costs has not hit the Fed's inflation numbers yet. There's about a full year lag in the housing numbers that the Fed uses in its CPI analysis and what's going on in the real market.   Keith Weinhold (00:27:52) - So if the Federal Reserve does nothing else, these housing costs get caught up. We will see inflation come down a little bit more. A lot of us are hoping that the Fed is done with its increases because of what's happened historically. Historically speaking, if you go all the way back to World War Two, the Federal Reserve not counting this cycle, has raised the Fed funds rate 11 times to get inflation under control. Eight of those times it's waited a little bit too long or it's waited for inflation until inflation got too high and it was a little bit too sticky and they had to overcorrect. And that ultimately steered us into a recession. There were three times once in the 60s, once in the 80s and once in the 90s where the Fed acted proactively to try and get inflation under control. And in those three cases, they were able to steer us into a soft landing and avoid a recession. In this case, they've already admitted they waited too long. They admitted that inflation got much higher than they expected.   Keith Weinhold (00:28:48) - It certainly wasn't as transitory as they'd hoped. So the likelihood is that they've already overcorrected and we will see something of a recession. They may get lucky this time. They may have actually walked the tightrope correctly. And assuming they don't continue with this aggressive course of action, they may have actually managed to work us into a soft landing this time. Yeah, and that is a terrific history lesson that you gave us, Rick. I often like to tell my audience about when you want to predict the future direction of something. I'd like to take history over hunches. It's easy to have a hunch that something's going to go a certain direction. But you look at history. You talked about basically how the Fed was late to identify inflation because they had called it transitory for a while, so they started hiking too late. Now, maybe they've overhyped or maybe they haven't. But if they have, maybe they will need to lower them too quickly. If they don't have that desired soft landing. The economists that follow right now are split about 5050 on whether we'll actually see a recession coming out of this cycle.   Keith Weinhold (00:29:51) - It was more like 8020, looking for a recession just a few months ago. Right. The economy is slowing a little bit. The last jobs report had about 187,000 jobs created, which was a good number, but it was lower than what we've seen in recent reports. So the economy slowing down, but not going to full stop or going into negative terms is an indication that maybe we do escape a recession. Good news, by the way, is even if we do have a recession, the rest of the economic measures that you look at are also strong, that it's very likely it would be a very short and very mild recession, and unemployment probably wouldn't get over about four and a half or 5%. So that's something to keep in mind as you go forward. You talked about history, Keith. I big on that too, history as a predictor of what might happen. Yeah. The other thing that points to a recession is something called a yield curve inversion. And without getting too inside baseball on people, people track the yield on a ten year US Treasury and they track the yield on a two year US Treasury and typically your yield on a short investment like a two year Treasury is lower than your yield on a ten year or longer investment because there's more risk involved in the longer time period and so forth and so on.   Keith Weinhold (00:31:07) - Every now and then, the bond market senses a disruption in the force. Darth Vader is looming over the market and you see these things switch places and suddenly the yield on a ten year US Treasury is lower than the yield on a two year US Treasury, and that's called a yield curve inversion. Now yield curve inversion doesn't cause a recession, but the last seven times we've had one, it's correctly predicted that a recession was coming and this current period we're in is one of the longer and deeper inversions that we've ever seen. So again, if you look at history as a predictor of the future, this yield curve inversion points toward us having a recession at some point before we get through the cycle. And I know yield curves can confuse a lot of people. If you're the listener or the viewer here, make a very long term loan to a friend, well, you'd want to get compensated with a higher interest rate for that higher risk amount than if you made a short term loan to a friend and he was paying you back.   Keith Weinhold (00:32:04) - Tomorrow, you might not charge him much of any interest at all because there's more certainty that you're going to get paid back. But that condition has been inverted, where when you make the long loan to the buddy, you're compensated with a lower interest rate yield. That is what is known as a yield curve inversion. Yeah. And I think yield curve throws people off. If you just think of it in terms of the yields, that probably makes it simpler. But again, if you're looking at recession predictors, these are the two. That I typically look at. And that's kind of important to know if you're going to be investing in the housing market because recessions can have an impact on the housing market. Rick thinks there's a likelihood that the Fed has already overcorrected with too many interest rate increases. If we do have a recession, Rick believes that it's most likely to be mild without many layoffs. Rick and I, we actually seem to agree on a lot of things. We see a lot of things the same way.   Keith Weinhold (00:33:03) - Maybe it would be more interesting for you if we disagreed a bit more to stay up on the latest moves in the real estate market. You can follow Rick Saga on X, formerly known as Twitter. His handle there is simply Rick Saga. Well, Rick made a Darth Vader reference there. And, you know, much like the original Star Wars movie had the sequel, which was called The Empire Strikes Back. You know, that was one sequel that some people liked more than the original. And that is atypical because usually people like the original more. But The Empire Strikes Back was a fantastic sequel, and I think that could happen here next week. Rick and I are back together for part two of two, the sequel. We are probably going to analyze and break down the state of the housing market and the future of investment real estate. And we should go on for twice as long on that as we did for today on the economy. So therefore, next week is kind of like the Empire Strikes Back, although I don't expect that next week Darth Vader is going to cut off Luke Skywalker's hand like what happened in the movie.   Keith Weinhold (00:34:10) - That just wouldn't be proper. And we're clearly not into improprieties around here.   Darth Vader (00:34:18) - You are unwise to lower your defenses.   Keith Weinhold (00:34:23) - Oh, Luke lost his hand this week. Not next week. Well, that's not even the scene where Luke loses his hand, But, hey, that totally worked. So. Getting back to real estate here, you need properties to be an investor. The builders know that higher mortgage rates are a pain point for buyers. Our coaches and I hear a know it too. So we have. Yes. Rubbed salve on the wound 5.75% interest rates, 4.75% or even 2.99%. And at times you're going to have to use the builder's preferred lender in order to get those terms. But really some remarkable Bibles that we've negotiated for you. So take advantage of it since I don't know how long that is going to be around. In fact, I'll even bring up those rate by down terms to Rick Saga next week and get his take to help you out on the cash flow side. We also have access to properties that would make good mid term corporate rentals in the southeastern US midterm rentals.   Keith Weinhold (00:35:27) - They often have higher cash flow than a traditional long term unfurnished rental. For any and all of that, contact your investment coach, you're probably working with one by now. They'll help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out until next week I'm your host Keith Winfield. Don't quit your Adrian.   Speaker 4 (00:36:08) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold (00:36:36) - The preceding program was brought to you by your home for wealth building. Get rich education.

In today's episode, Patti welcomes Planning and Portfolio Consultant, Sam Baez for a mid-year assessment of what exactly happened to the 2023 New Year discussions regarding a looming recession.  Was America hit with the recession that many pundits predicted?  Patti and Sam define what needs to happen in the economy to warrant a recession and then discuss the extenuating circumstances that may have spared our country from a full-blown recession. While most investors hope to avoid a recession, Patti and Sam articulate that the goal should really be to endure it – and they give plenty of tips on how to do that!  

Our guest on this week's episode is Bart De Muynck, chief industry officer at project44. The world continues to see the effects of climate change, and now it is affecting our transportation networks. Ongoing drought conditions in Central America have caused lower water levels in the Panama Canal, restricting the number of vessels and the amount of containers they can carry as they make the canal journey. How long will the restrictions possibly last and what will be the effects on ocean shipping as we approach peak season?  Our guest shares his insights. The slow period in trucking is expected to continue, according to industry experts gathered at the SMC3 Connections supply chain conference this week in Orlando. They expect the sluggish freight conditions will hang around for a while and that a broader economic recession is likely to follow.One of the biggest challenges for any company in logistics right now is labor. With low unemployment rates, skills shortages, boomer retirements, and having to compete with gig work jobs, it can be hard for many transportation and warehousing companies to stay fully staffed. This week we learned about another complication in that area, which is the rising rate of positive drug tests as more states legalize the private use of marijuana. That  trend makes it even harder to find good workers.DC Velocity's sister publication CSCMP's Supply Chain Quarterly  offers a podcast series called Supply Chain in the Fast Lane.  It is co-produced with the Council of Supply Chain Management Professionals.  A new eight-part series on Transportation Tech has launched. Go to your favorite podcast platform to subscribe and to listen to past and future episodes.Articles and resources mentioned in this episode:project44Slow times to continue, trucking industry experts sayPositive drug tests in US workforce rise to 20-year high as marijuana is legalizedGet episode transcripts.Visit Supply Chain QuarterlyListen to CSCMP and Supply Chain Quarterly's Supply Chain in the Fast Lane podcastListen to Supply Chain Quarterly's Top 10 Supply Chain Threats podcastSend feedback about this podcast to podcast@dcvelocity.comPodcast is sponsored by:Travero LogisticsOther linksAbout DC VELOCITYSubscribe to DC VELOCITYSign up for our FREE newslettersAdvertise with DC VELOCITYTop 10 Supply Chain Management Podcasts

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Shares of the cratering Walt Disney Co. were downgraded Friday after an analyst for Wolfe Research accused the child groomers of “cognitive dissonance.” The likelihood that the United States will experience an economic recession at some point over the next year has risen to a 40-year high, according to a probability model created by the New York Federal Reserve. Computer engineers and tech-inclined political scientists have warned for years that cheap, powerful artificial intelligence tools would soon allow anyone to create fake images, video and audio that was realistic enough to fool voters and perhaps sway an election. Plus, more on today's episode.

Learn in-depth strategies for purchasing low-budget foods and supplements for detox and recovery during times of inflation and economic recession. Matt Finch provides you with a plethora of valuable info on macro-nutrients, micro-nutrients, addiction recovery and relapse prevention diets, and relevant resources that you'll absolutely love. Overview of the main topics in this episode: What are Addiction Recovery Nutrients? Macro-nutrients (carbs, fat, protein, fiber, water) Micro-nutrients (vitamins, minerals, amino acids, omega-3's, antioxidants, etc.) Nutrient-Rich Diet/Program Pro-Recovery Diet generalizations to customize for yourself Brain Type/Health Assessment Dr. Daniel Amen of Amen Clinics Nutrition Resources (books, podcasts, etc.) Revisiting Inflation and Economic Recession, Food Shortages, etc. Low Budget tips for Macro-nutrients (foods, drinks) Low Budget tips for Micro-nutrients (supplements) Getting the most bang for your buck Avoiding Unnecessary Spending Habits (Starbucks, Grubhub, Uber Eats, Pizza Delivery, etc.) Official Show Notes Page>> Links to main resources from this episode: Fundamentals of Nutrition with John Finch (Ep. 292) Julia Ross on Pro-Recovery Diet and Amino Acid Therapy (Ep. 188) Dr. Daniel Amen's Free Brain Type/Health Assessment The Mood Cure by Julia Ross The Power to Change by Craig Groeschel Alliance for Addiction Solutions Julia Ross Cures Academy of Addiction and Mental Health Nutrition Nutrition 4 Recovery Nutritional Foundations Course Total Alcohol Recovery Course Ultimate Opioid Detox Course Self Heal School Virtual Classes Self Heal School Herbal Medicine Products Ayurvedic Dosha Quiz Metabolic Type Quiz Recovery Coaching with Matt Finch Recovery Coaching with Tana Peaco Questions? Email matt@fitrecovery.com

Itay Vinik is the Co-Founder & Chief Investment Officer at Equi, an alternative investment platform that brings investment strategies to accredited investors. Today, Itay returns to the pod to answer the question: can the Fed thread the needle between inflation and recession? ------ ✨ BECOME A BANKLESS CITIZEN ✨ https://www.bankless.com?utm_source=YouTube&utm_medium=ChannelLinks&utm_campaign=Website!  ------ BANKLESS SPONSOR TOOLS:  ⚖️ ARBITRUM | SCALING ETHEREUM https://bankless.cc/Arbitrum 

America is well into the first quarter of the New Year, and most can agree that saying goodbye to 2022 was good riddance!  Everybody seemed to lose value in their portfolios, and the stocks and bonds markets were both down in the same year, which has only happened three times in history!  Is 2023 going to be more of the same?  Patti and her Chief Investment Officer, Brad Everett, review all that transpired in 2022 and look forward to this year with a renewed sense of optimism amidst rumors of an impending recession.  What are the bright spots in the economy, and what should investors be discussing with their advisors?  Is there an economic recession in our future?  Patti and Brad discuss their thoughts on recent trends and the implications that these have on financial planning and the success of portfolio performance.

This episode is next in the podcast series, #AskPattiBrennan - a series of episodes in which Patti answers one of her listener's frequently asked questions.  These podcasts are shorter in length and address one FAQ or RAQ (a rarely asked but should be asked) question.  Today's episode was produced in response to many questions submitted to us by listeners who are wondering what specific actions should be taken to protect their retirement portfolios, particularly as it pertains to the looming debt ceiling.  Patti addresses their concerns with actionable steps to take today to help preserve retirement assets while maintaining a healthy emergency fund.  She also reminds investors not to confuse stable with safe – what is the difference?  Listen today to find out!  

The mark of a truly good teacher is when their former students invite them as experts on their podcasts" - Plato [citation needed] The Simblified gang (minus Tony) taps into the expertise of Srikeit's former professor, Ashish Kulkarni to 'simblify' the world of economics.Ashish, an engineering dropout turned Econ PhD, talks to us about how economics principle  govern every micro aspect of our lives yet the way the subject is taught in India drives people away from it. We also discuss how movies and popular culture subtly point to the prevailing economic conditions of the time and delve into the indicators and implications of a potential upcoming recession.So please tune in to this absolute beauty of a double episode. You can follow Ashish and his musings on Econforeverybody.com We'd love to hear from you and even have you on the podcast! If you'd like to get in touch, say hello on our shiny new email ID, simblified.podcast@gmail.com. We promise to read and reply to every mail, even spam. Especially spam. Add one part news, one part bad jokes, one part Wikipedia research, one part cult references from spending too much time on the internet, one part Wodehouse quotes, and one part quality puns, and you get Simblified.A weekly podcast to help you appear smarter, to an audience that knows no less! Your four hosts - Chuck, Naren, Srikeit, and Tony attempt to deconstruct topics with humor (conditions apply). Fans of the show have described it as "fun conversations with relatable folks", "irreverent humor", "the funniest thing to come out of Malad West" and "if I give you a good review will you please let me go".Started in 2016 as a creative outlet, Simblified now has over 200 episodes, including some live ones, and some with guests who are much smarter than the hosts. Welcome to the world of Simblified!You can contact the hosts on:Chuck: twitter.com/chuck_gopal / instagram.com/chuckofalltradesNaren: twitter.com/shenoyn / instagram.com/shenoynvTony: twitter.com/notytony / instagram.com/notytonySrikeit: twitter.com/srikeitSee omnystudio.com/listener for privacy information.

Show Questions:Cold Open:We're living with an uncertain economy right now with experts saying that we are entering into a recession…What advice would you give to young people who are just starting to figure out their careers and finances during economic times like this?Episode Questions:Anonymous, Moreno Valley: On your last Debrief, you brought up a couple that wanted a divorce, and you basically said the husband needed to man up and put in the work to save his marriage and family. My question is, what do you say to a couple when one of the spouses still wants to leave the marriage even after they've put in the work to heal it? Turning around broken relationships doesn't seem as just “putting in the work.”Mindie, Menifee: “I've read Exodus many times; I'm just now recognizing that God foretold of their slavery to Abraham back in Genesis 15. As I'm reading through Exodus, chapter 1, I can't help but think of the moms and dads to little boys that were not Moses' parents. How do I justify the fact that God didn't save all of those boys too? I know he saved many through the midwives, but then Pharaoh commanded them to be thrown into the Nile. My heart is sad for them. How do you defend those who are angry with God or don't wish to follow God because of a situation like this in his word?”Jonathan, Moreno Valley: “In regards to love and law, can you explain what Paul is talking about in Galatians‬ ‭3‬:‭24‬-‭25‬ ‭NKJV‬‬ “Therefore the law was our tutor to bring us to Christ, that we might be justified by faith. But after faith has come, we are no longer under a tutor.”Thank you, Pastor Matt. Praying for you and Sandals”Josh, Riverside: “Pastor Craig Groeschel says that everyone is a leader because everyone has influence over someone. You speak a lot of men being boys. I want to be the best leader/Christian I can possibly be. I want to be able to properly lead my family, future sons and daughters, future wife, potentially future flock (If the Lord even has me lead one), and honestly, anyone that the Lord puts into my life. How do I know that I am ready to be a leader?”Ep. 196 The Recession, Marriage Problems & Following God's Law | The Debrief Podcast with Matt BrownLike, subscribe, and leave us a comment.Do you have questions, need prayer or want to get connected? Reach out to our team: https://sandalschurch.com/connectSubscribe to our Sandals Church YouTube channels!Sandals Church: https://www.youtube.com/sandalschurchSandalschurch.tv: https://www.youtube.com/channel/UC0BBn1VFrdLWtB-TpEM1jjw

 My guest founded the Financial Survival Network in 2011 in response to the global financial crash and its aftermath. During the show's tenure, over 6,000 episodes have been produced and over 1000 experts and guests have appeared, offering their knowledge, wisdom, and advice. The show continues to be the go-to place for investors seeking alternatives to Wall Street's always-be-buying mantra. After the 2008 financial collapse and the continued global economic deterioration, Kerry realized people needed a reliable source for accurate information. https://www.financialsurvivalnetwork.com/http://www.yourlotandparcel.org

Gerry Weinberg, Sandler trainer from Detroit, and his business have survived multiple recessions. In order to be successful during an economic recession, it is important to choose HOW you participate in the recession and believe that it is the greatest opportunity that has ever happened. This means that prospecting never ends and that it is important to constantly be looking for new business In this episode, Gerry Weinberg from Detroit talks about how to survive an economic recession. He shares his experience as a Sailor trainer and explains how downturns can actually be opportunities for businesses.  Timestamps: 0:00:03 How to Succeed at Surviving an Economic Recession 0:02:45 Sales in a Recession: How to Outsell Competition 0:04:55 The Power of a Positive Attitude in Sales 0:10:09 The Importance of Prospecting During a Recession 0:11:46 How to Thrive in a Downturn 0:17:04 The Recession-Proof Business Conversation: Trusted Advisor Edition 0:19:44 Defining Success and Overcoming Failure 0:21:50 The Importance of a Positive Attitude in Times of Economic Uncertainty 0:23:41 How to Succeed in Sales During an Economic Downturn Key Takeaways: The key to growth is proactive networking and asking for referrals, something that salespeople traditionally avoid for personal reasons. In an economic recession, it is important to focus on selling to people who can buy. Time and money become more precious during a recession, so it is important to use them wisely. ========================================= SUBSCRIBE: https://podfollow.com/howtosucceed Don't forget to subscribe and leave us a comment! Get your TICKET to join our 2023 summit: https://events.sandler.com/summit2023  

Gerry Weinberg, Sandler trainer from Detroit, and his business have survived multiple recessions. In order to be successful during an economic recession, it is important to choose HOW you participate in the recession and believe that it is the greatest opportunity that has ever happened. This means that prospecting never ends and that it is important to constantly be looking for new business In this episode, Gerry Weinberg from Detroit talks about how to survive an economic recession. He shares his experience as a Sailor trainer and explains how downturns can actually be opportunities for businesses.  Timestamps: 0:00:03 How to Succeed at Surviving an Economic Recession 0:02:45 Sales in a Recession: How to Outsell Competition 0:04:55 The Power of a Positive Attitude in Sales 0:10:09 The Importance of Prospecting During a Recession 0:11:46 How to Thrive in a Downturn 0:17:04 The Recession-Proof Business Conversation: Trusted Advisor Edition 0:19:44 Defining Success and Overcoming Failure 0:21:50 The Importance of a Positive Attitude in Times of Economic Uncertainty 0:23:41 How to Succeed in Sales During an Economic Downturn Key Takeaways: The key to growth is proactive networking and asking for referrals, something that salespeople traditionally avoid for personal reasons. In an economic recession, it is important to focus on selling to people who can buy. Time and money become more precious during a recession, so it is important to use them wisely. ========================================= SUBSCRIBE: https://podfollow.com/howtosucceed Don't forget to subscribe and leave us a comment! Get your TICKET to join our 2023 summit: https://events.sandler.com/summit2023  

How will your agency face an economic recession? Does your positioning allow your agency to evolve and come out stronger? If you haven't been preparing for a similar scenario, now is a good time to make some changes. Think about your agency's position in the ecosystem of today's market and how it could pivot to improve it. Today's guest has seen some tough times in his 10 years in the business. He shares some of the changes agency owners can make to adapt and thrive during a recession. Manish Dudharejia is the founder and president of E2M Solutions, a full-service white-label digital agency. His team works mainly with digital agencies to help them solve their bandwidth problems. After 10 years in the business, E2M has worked with over 450 agencies across the country and currently has a staff of 160 people. He's a repeat guest and friend of the show, who has shared the complexities of the Principle-Agent problem and big decisions for a successful agency. Today he's helping us learn about surviving and thriving in an economic downtown. In this episode, we'll discuss: How the right positioning is the key to facing a recession. How, even in the middle of the recession, your agency can keep growing. Why a recession is a time of opportunity for small and mid-sized agencies. How to can face possible layoffs if business slows down. Subscribe Apple | Spotify | iHeart Radio | Stitcher | Radio FM How to Prepare Your Agency for a Recession To survive a recession, your agency needs a very strong position in the market and products/services that solve real problems. With a clear vision of your agency's positioning and offer you'll know exactly who your clients are. This requires some reflection about things you can improve and simplify in your offering. Regardless of a recession, if you're having issues with onboarding, then you have a problem with your product or service. A recession is a great time to test out your product or service. If there's an absolute need for what you offer, then your agency can go through a recession seamlessly. One mistake agency owners make during a recession is to stop offering some services. Many assume that, if things are slowing down, the business slows down as well. This isn't necessarily the case. A recession is still an opportunity to make the most of your existing clients. It's easier and more economical to retain existing clients than find new ones. The key is being more communicative with your clients. Reach out and start a conversation to find out what they need. Are there any other ways your agency could be helping them?  You can do this without sounding “salesy” but by listening, taking a genuine interest in their business, and looking for new opportunities. 2 Tips to Keep Going During a Recession Continue marketing. During hard times, agencies should continue marketing and producing content. Write a weekly post and send a newsletter to clients to make sure they're engaged. You want to ensure your customer service is top-notch so you're not losing your existing clients. This is how your agency will continue growing in a recession. Be flexible. A little bit of understanding, empathy, and flexibility goes a long way with both existing and new clients. This applies especially to brands and industries being heavily affected by the recession. Why Agencies Have a Good Chance Withstanding Hard Times Agency services, like website building and maintenance, are essential for companies. Even in the middle of a recession, businesses want their websites to be up and running. They are still likely to hire agencies for essentials like websites, SEO, and content as a way to engage new clients. Don't assume a recession means staying put and waiting for the fall. Embrace new activities and services and maximize other areas where you can. A recession may be a time when your agency loses some clients, that is true. However, it can also be a reset and an opportunity to go after new clients at a higher rate. Agencies that survive in a recession are the ones who get really specific about the clients they're going after and the problems they solve. Of course, people freak out when things start to slow down. Nonetheless, this won't last forever. At some point, they'll see the need for marketing to accelerate their business. The economy is cyclical and it will come full circle again. Recession Can Be an Opportunity for Agencies Mid-size and enterprise-level businesses look for cost-effective solutions in times of recession. This means it's a good time for small to mid-size agencies to land an enterprise-level client. In a recession, those clients won't look for enterprise-level agencies because of the cost. That also means an economic downturn is a great time to pivot your messaging and position your agency to tap into new opportunities. A lot of agencies don't realize their positioning might be off during difficult times because they're just trying to survive. You need clarity to figure out your positioning and rethink your offering. How can you do it? Try to find ways to keep it simple. It can be one of the hardest things to do. However, when you position yourself the right way you'll land the right clients and take advantage of new opportunities presented in a recession. Facing Possible Layoffs Within Your Team Layoffs are one of the things agency owners fear the most about a recession. You may feel responsible for employees and dread the moment when you have to consider making job cuts. This isn't necessarily the worst thing. For starters, doing it in sooner than later helps them find something else quicker. Also, it's a chance for you to really evaluate your team and choose just your best people. In 2017, Manish was in the position of letting go part of his team. After that, he thought about how to better position the agency. They decided to pivot and become very specialized in a few services. This is an exercise he recommends for every agency owner when on the brink of recession. He believes all agency owners should take some time at the end of the year to reflect on their agency's results. Consider where you can make improvements. This is an area he urges agency owners to listen to their clients. If possible, he recommends doing a survey with some simple questions like “is our offering simple or is it confusing?” “is our pricing simple or is it confusing?” Client feedback is your starting point for resetting and simplifying your offer for the next year. He finds every time he's done this exercise his agency becomes stronger. Be Obsessed About Freeing Up Your Time Finding the time to focus on what needs to change and ways to improve the agency becomes easier the better you get at delegating it. Another thing to ask yourself in an end-of-year reflection is “what are my current tasks at the agency?" and “could somebody else be doing this?” If the answer is yes, it's time to find the right person and delegate it. The more time you free up from daily tasks the more time you can dedicate to working in the business and strategies for how to pivot during a recession. Want the Support of Amazing Digital Agency Owners? If you want to be around amazing agency owners that can see you may not be able to see and help you grow your agency, go to the Digital Agency Elite to learn all about our exclusive mastermind.

https://amzn.to/3TwPRd4http://WTHisaneconomy.com

Download the “65 Investment Terms You MUST Know to Reach Your Financial Goals In The Shortest Time Possible” for FREE by going to https://TodaysMarketExplained.com/ We discuss the economic collapse, market instability, Russia and the Nord Stream Pipeline bombing issue becomes a focal point, as is the scarcity of energy resources and its impact on prices, the economic anomaly of the current market, the inherent instability and erratic behavior of the commodity market, and the liquidity of the American dollar. Follow us here to see short videos of all our best investing tips: TikTok: https://www.tiktok.com/@todaysmarketexplained Instagram: https://www.instagram.com/TodaysMarketExplained YouTube: https://www.youtube.com/channel/UCYjCaTkX698mc6yAFaFz4tg Facebook: https://www.facebook.com/TodaysMarketExplained Twitter: https://twitter.com/PodcastTME Website: https://todaysmarketexplained.com/ DISCLAIMER: This podcast is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

165 - If you've listened to the news lately, you've probably heard the economy is basically a flaming dumpster fire: sky-high inflation, a looming recession, and mortgage rates rising like an early-pandemic sourdough. To all that, Heather Lahtinen says, "So what?"When it comes to what the current economy means for your business, Heather—who's adding Certified Money Coach to her pages-long Curriculum Vitae—has some thoughts. And here's a clue: Don't try using "recession" as an excuse to avoid marketing. Not on Heather's watch! What To Listen For:The simple 3-step business plan, no matter the economyHow to know if we're in a recession (**trick-question alert**)What the "lipstick effect" means for your bizThe mic-drop moment that's really good news!Why Heather believes that ignorance is blissIf you're feeling anxious or—dog forbid—feeling defeated by the economic forecasts, you definitely need this episode. Fire it up and find out why the current climate is actually *good* news for photographers like you!Resources From This Episode:Flourish Academy on InstagramNicole's InstagramJOIN THE PARTY: Join our free pet photography community More pet photography resources here Connect on Insta Ready to get serious about your pet photography? Join us inside Hair of the Dog Academy! Check out my gear and my favorite books. Grab my book! Pet and Horse Photography for Everybody

Listen to Pew Charitable Trusts' new "After the Fact" podcast.Health Affairs' Editor-in-Chief Alan Weil interviews Christopher Ruhm from University of Virginia who published a paper in the November 2022 issue of Health Affairs examining the mortality effects of the COVID-19 pandemic and the related economic recession. He found that excess deaths in the U.S. during the first year of the pandemic were the result of both pandemic related effects and economic recession related effects.Order the November 2022 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcasts free for everyone.Subscribe: RSS | Apple Podcasts | Spotify | Stitcher | Google PodcastsListen to Pew Charitable Trusts' new "After the Fact" podcast.

A good ol' American recession, hobbies, networking events, skincare routines, ending racism through boxcar racing, and thoughts on Andrew Tate...Tap into TTS lore via this lil link guy here (Patreon, IG, merch, sponsor information, and Barry's social security number).

How CEOs pulled off their coup, ending the golden age of growth for the middle class while beginning the current era of the CEO as modern-day superyacht-owning emperor. Also, Co-Director of the Center for Economic and Policy Research, Mark Weisbrot postulates if the Fed may cause a recession. Professor Richard Wolff examines if capitalism should be regulated or changed. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Signs of a slowing economy may cause investors to become pessimistic about the prospect of future returns on investment, prompting them to sell shares. Today's Stocks & Topics: COP - ConocoPhillips, The Market and Interest Rates, Earnings Blowout, AQWA - Global X Clean Water ETF, Required Minimum Distributions (RMDs), ATKR - Atkore Inc., AAPL - Apple Inc., GOOG - Alphabet Inc. Cl C, APA - APA Corp., CD Rates, MRNA - Moderna Inc. Plus: Key Benchmark Numbers and Market Comments for: Treasury Yields, Gold, Silver, Oil and Gasoline.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Republicans keep harping on the economy, but their support for COVID fascism is what created the economic problems and, worse, the human recession. We now quite literally have the sudden demise of millions of humans because of the evil clot-shot agenda. We are joined by the brilliant epidemiologist Dr. Paul Alexander, who worked as a science adviser at HHS under the Trump administration, who explains why "the more you inject, the more you infect." The constant mass vaccination with a leaky, suboptimal antibody response is what is causing these dominant variants to proliferate, destroy immunity, and keep the virus going on forever. He also explains how the faulty vaccine is responsible for so many epidemiological anomalies and destroys the innate immune system of children. Finally, he offers his big-picture view on the sudden rise of monkeypox and how the vaccines will make those affected more vulnerable.   Learn more about your ad choices. Visit megaphone.fm/adchoices

Interest rates are on the rise. The stock market recently entered into bear territory. How will a potential recession affect your church? Thom and Sam discuss six ways you can help prepare your church for an economic downturn. Discipleship cannot happen without stewardship, and your budget is a major way to steward the resources of the church. The post Six Prudent Practices to Prepare Your Church Budget for a Potential Economic Recession appeared first on Church Answers.

So NOW they tell us. The global elites are finally recognizing what I've been saying since summer of 2020 as the World Bank predicts recession for many countries. Plus, can Elon Musk really back out of his Twitter deal?  Join me for a look at REALITY in today's edition of The Trish Regan Show.  LIKE and *SUBSCRIBE* FOR DAILY SHOWS FROM ME. PLUS, get more on my website https://TrishIntel.com and connect with me on social media:  Twitter — https://Twitter.com/Trish_Regan Facebook — https://www.facebook.com/RealTrishRegan Instagram — https://www.instagram.com/Trish_Regan Locals — https://TrishRegan.Locals.com Today's links: https://LegacyPMInvestments.com - help hedge your inflation risk today. Support the show: https://trishregan.store/ See omnystudio.com/listener for privacy information.