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"For an experiment, I denoted the last ten generations and attempted to define the song of their generation. Some were easy and some quite difficult. I offer five possibilities first and then pick. See if I made the correct choice."
Edmund Fitton-Brown. The U.S. continues a naval blockade intended to reduce Iran to bankruptcy, as Tehranmaintains "impossible demands" regarding the Strait of Hormuz. Edmund Fitton-Brown suggests while Russia and China provide intelligence and resupply, they are unlikely to take serious risks to save the regime. Ultimately, the conflict may depend on national patience, with the U.S. capable of sustaining pressure until the Iranian leadership is forced to compromise. (12)1990 YEMEN
Edmund Fitton-Brown. The long-standing truce between the Houthis and Saudi Arabia has unraveled as the group attempts to break a decade-long blockade. Edmund Fitton-Brown explains the Houthis now control major Yemeni state organs and possess the capability to strike deep into Saudi territory. While air campaigns have hurt the group, they remain difficult to deter because they view the suffering of the Yemeni people as a badge of martyrdom. (11)1962
What does it take to face a Danish invasion and fight for a kingdom in just 222 days?In 1016, England is at war as Edmund Ironside meets Cnut for a crown on the line. Matt Lewis and Dr David McDermott trace a young warrior king who fought six battles, won his name for speed and strength, and held the field at Sherston, Brentford, and beyond.MOREÆthelstan: First King of the EnglishListen on AppleListen on SpotifyKing Cnut & the End of the Viking AgeListen on AppleListen on SpotifyGone Medieval is presented by Matt Lewis. Audio editor is Amy Haddow, the producer is Rob Weinberg. The senior producer is Anne-Marie Luff.All music used is courtesy of Epidemic Sounds.Gone Medieval is a History Hit podcast.Sign up to History Hit for hundreds of hours of original documentaries, with a new release every week PLUS early access, ad-free podcasts. Sign up at https://www.historyhit.com/subscribe Hosted on Acast. See acast.com/privacy for more information.
"I was talking about the Paul is Dead conspiracy theory in class one day and the students began asking me if I knew about THIS theory. And then THIS theory. We went on for 30 minutes and then I did some research. There were so many theories I had never heard of. Hopefully they are new to you as well. We have a long list."
Edmund Fitton-Brown — The truce between Saudi Arabia and the Houthis may be over following strikes on Sanaaairport, with retaliatory attacks potentially targeting major Saudi international airports and oil facilities; despite Iranianinfluence, the new Iraqi prime minister appears to be drifting toward the United States for security and stability. (12)
Edmund Fitton-Brown — The U.S. is reimposing a naval blockade on Iran after the collapse of the poorly drafted memorandum of understanding; Iran's economy is "choking to death" under these measures, and guests argue the U.S.must prioritize controlling the Strait of Hormuz through international cooperation and naval power. (11)
Preview for Later Today: Edmund Fitton-Brown. Strategic Control of the Strait of Hormuz. Edmund Fitton-Brownproposes making the Strait of Hormuz the centerpiece of U.S. strategy to weaken the Iranian regime. He believes imposing international will over this waterway provides a viable way out of regional aggression.1600
In this compelling episode of The Doron Keidar Podcast, Doron sits down with Edmund Fitton-Brown — former British Ambassador to Yemen, ex-UN Coordinator of the Security Council's Monitoring Team on ISIS, al-Qaeda, and the Taliban, and current Senior Fellow at the Foundation for Defense of Democracies (FDD).They dive deep into the United Nations' toxic and disproportionate obsession with Israel — from biased resolutions and endless condemnations to the systemic double standards that undermine the organization's credibility.Edmund also exposes how China is actively reshaping the UN General Assembly into an anti-Western bloc, forging alliances that threaten democratic values, Western influence, and the rules-based international order.If you want to understand the hidden dynamics driving global diplomacy, anti-Israel bias at the UN, and the strategic power plays reshaping the world stage, this is a must-listen.Topics: UN bias against Israel, China's influence in the General Assembly, international diplomacy, counter-terrorism insightsAvailable now on YouTube, Spotify, Apple Podcasts, and wherever you listen.Share this episode if you care about truth, fairness, and defending Israel on the global stage.Connect with Edmund Fitton-Brown here:https://www.fdd.org/team/edmund-fitton-brown/X: @EFittonBrownhttps://www.telegraph.co.uk/gift/87abb2e7d5295986If you're interested in the Middle East, Israel, geopolitics, and the war of ideas, this conversation is for you.Support The Doron Keidar Podcast on Patreon:https://www.patreon.com/cryforzionn
Edmund Fitton-Brown. Fitton-Brown highlights the suspicious absence of Mojtaba Khamenei from his father's funeral, suggesting he is incapacitated. He also characterizes Iran's attempts to charge tolls in the Strait of Hormuz as blatant international gangsterism. (11)1902
Edmund Fitton-Brown. Fitton-Brown describes Houthis as autonomous Iranian proxies testing regional blockades. He notes Oman serves as a critical, unpressured hub for smuggling weapons and illicit goods, enabling Houthis to recover from strikes. (12)1905
Welcome to our 4 year Anniversary show. A we step into July, our anniversary month, we are celebrating 4 years of exploring St. John Paul II's Theology of the Body and championing the dignity of every human life. Today we are brining you a remix of the episode that has received the most listens over the past 4 years. This episode is the one listeners return to again and again as our master teacher, Adele Guillot, delivers a concise, heart felt summary of JP II's Theology of the body to parents of a CCD class from St. Edmund's Catholic Church in Lafayette, LA.
Preview for Later Today: Former UK Ambassador Edmund Fitton-Brown examines Iran's attempt to control the Strait of Hormuz. He highlights Oman's critical role and US efforts to support Oman, preventing Iran from establishing a maritime "protection racket." (3)
I've had so much fun chatting with Laura DeNooyer about her books, and The Broken Weathervane sounds amazing. Listen in as we talk about family secrets and see them across dual timelines. note: links may be affiliate links that provide me with a small commission at no extra expense to you. I love split-time novels, and I can't wait to read this one. We also chatted about being eclectic writers--people unable to stick to just one genre when stories demand different ones. The Broken Weathervane by Laura DeNooyer Two coworkers want the same truth. Only one of them can afford to reveal it. Leslie Wickersham has spent years hiding her connection to the legendary Buckwalter family—a secret her grandmother made her swear to protect. Now, thriving in her new role at Raymond University, she's tasked with helping brassy English professor Dr. Gregory Scott Stafford achieve full professor status. But there's a problem: Greg is racing to complete a biography of celebrated author Linus Fritz Buckwalter, and one final interview stands between him and publication. Leslie knows exactly who that interview subject is—her grandmother, Klara—and why speaking up could expose secrets her family has protected for decades. When Klara finally entrusts Leslie with her 1950s diary, the pages reveal why Fritz's brother, Edmund, quietly disappeared—and the devastating truth that fractured the family forever. As deadlines close in, Leslie finds herself caught between professional obligation and personal loyalty. The closer Greg comes to the truth, the more fragile Leslie's carefully guarded silence becomes—and the higher the risk of whatever choice she makes. Unfolding across dual timelines, The Broken Weathervane explores family loyalty, the stigma of mental illness, and the cost of telling the truth. Readers who enjoy thoughtful, book-centered fiction with layered timelines and emotional depth will appreciate this novel in the vein of Rachel Hauck, Susie Finkbeiner, Erin Bartels, Amanda Wen, and Katherine Reay. Discover The Broken Weathervane today and step into a story where the past refuses to stay quiet. Don't miss the Celebrate Lit Tour HERE. Learn more on Laura's WEBSITE and follow on GoodReads and BookBub. Like to listen on the go? You can find Because Fiction Podcast at: Apple Castbox Google Play Libsyn RSS Spotify Amazon YouTube and more!
Michael Vorenberg explains that after official surrenders, Confederate General Edmund Kirby Smith fled to Mexicorather than surrender his Trans-Mississippi forces. Small skirmishes continued at Palmetto Ranch, which is often cited as the last battle of the war. Meanwhile, Grant sent Sheridan to the Rio Grande to deter French intervention. (11)1865 LINCOL MUDER TRIAL
In this episode of The Buzz, powered by APL Logistics, Scott Luton and Kim Reuter are joined by Edmund Zagorin, Founder and Chief Strategy Officer at Arkestro, for a timely conversation on the latest supply chain and business news shaping the second half of 2026. From U.S. manufacturing trends and Prime Day consumer behavior to AI's growing role in sourcing and supplier management, this episode explores how procurement is evolving from a cost-focused function into a strategic driver of resilience, speed, and value. Edmund shares practical insight into predictive procurement, why supplier relationships still matter in an AI-powered world, and how procurement leaders can prepare their teams for the future. Key Takeaways AI can support procurement teams, but humans still need to lead relationship-driven decisions. Predictive procurement helps teams move from reactive buying to proactive supplier engagement. Speed is becoming a major competitive advantage in uncertain supply chain environments. Supplier relationships, long-term agreements, and guaranteed access are becoming more important than lowest cost. Procurement teams must rethink how success is measured, moving from compliance to value creation. Culture, people, and execution remain critical, even as technology continues to advance. Tune in to hear how supply chain and procurement leaders can cut through today's volatility, use AI more strategically, and build stronger supplier partnerships that drive real business value. Additional Links & Resources: APL Logistics: https://www.apllogistics.com/ With That Said: https://bit.ly/WTS-28-June-2026 AI Is Good at Picking Qualified Suppliers. It Still Struggles to Pick the Best One.https://bit.ly/AI-Study-in-Procurement-Sourcing Venezuela Contacts: https://bit.ly/Venezuela-Contact-Gathering Info Call: https://us06web.zoom.us/meeting/register/HfnI1aaESm6Osbpb1qeADQ#/registration Manufacturing grows at fastest rate since 2021 amid big job cuts: https://bit.ly/USA-Mfg-Activity-Increases How Amazon Is Redefining Logistics and Fulfillment for Businesses of All Sizes: https://bit.ly/Peter-Larsen-ASCS Amazon's Prime Day kickoff was the biggest online shopping day of 2026: https://bit.ly/Prime-Day-2026 Big Tech Is Rewriting Procurement. The Rest of B2B Is Next: https://bit.ly/Rewriting-Procurement Learn more about APL Logistics: https://www.apllogistics.com/responsibility/apll_fixes_the_gap Arkestro: https://arkestro.com/ Your Supply Chain Isn't Broken. Your Data Is.https://bit.ly/Your-Data-Is-Broken Connect with Edmund on LinkedIn: https://www.linkedin.com/in/edmund-zagorin-41291b13/ Upcoming Live Programming: https://supplychainnow.com/upcoming-live-programming/ Supply Chain Now Resource Hub: https://supplychainnow.com/resource-hub/ WEBINAR- The Future of Supply Chains: Where Talent Meets Technology: https://bit.ly/4uUuxkc WEBINAR- Peak Reality Check: What Shippers, Analysts, and AI Models Are Predicting for 2026: https://bit.ly/4aTlsRv WEBINAR- From Volume to Resilience: How Automotive Supply Chains Are Adapting to a New Market Reality: https://bit.ly/4f6SUGA This episode was hosted by Scott Luton and Kim Reuter. For additional information, please visit our dedicated episode page at: https://supplychainnow.com/buzz-why-procurement-becoming-strategic-advantage-1604 The content in this episode, including all audio, videos, visuals, and graphics, is the property of Supply Chain Now and is protected by copyright law. Unauthorized use, reproduction, distribution, modification, or re-uploading of this content in any form is strictly prohibited without explicit written permission from Supply Chain Now.For licensing inquiries or permissions, please contact us at production@supplychainnow.com© 2026 Supply Chain Now. All rights reserved. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode of the Woodpreneur Podcast, host Jennifer Alger sits down with three team members from Edmund Allen Lumber out of Illinois: Nick Morrison, Sales Manager; Brian Studebaker, Millwork Manager; and Brandon Romine, Marketing Director. Together they reveal how a 129-year-old cedar and Douglas fir wholesaler has evolved into a full-service custom millwork operation that regularly takes on projects nobody else will touch. The company serves a dealer network of roughly 450 customers across Illinois, Wisconsin, Michigan, and Indiana, sourcing the bulk of its Western Red Cedar from Canadian mills and manufacturing everything else in-house. Brian walks through the millwork department's capabilities, from a 54-inch McDonough resaw and six-headed molder to a CNC that lets them replicate any historical molding profile. Brandon explains how he moved from sales into marketing and rebuilt the company's web and Instagram presence to solve a recurring problem: customers kept saying, "I didn't know you did that." The standout story is a clock tower restoration in Madison, Wisconsin. Lightning struck the tower, and the team had to replicate nine or ten unique molding profiles, fabricate stack-laminated corbels, and get everything hoisted by crane a hundred feet in the air while watching pieces swing in the wind. It captures exactly what Edmund Allen Lumber does best: the work nobody else wants to figure out. The conversation also covers the custom design process from architect sketch to final CAD, the economics of quoting without charging design fees, tariffs pushing cedar costs up as much as 45 percent, and the shift from new single-family construction toward remodels and multifamily. The team's message is simple: if you can dream it, they can probably make it. Chapters 00:00 What Edmund Allen Lumber Sells: Cedar, Douglas Fir, and Beyond 03:27 Inside the Millwork Department 05:24 Wholesale Model, Dealer Network, and Architect Partnerships 06:35 From Instagram Screenshot to Final CAD 09:51 The Clock Tower Restoration in Madison, Wisconsin 14:34 Brandon's Journey from Sales to Marketing Director 23:12 Where to Find Edmund Allen Lumber 32:36 Educating Customers on Checking in Cedar Timbers 35:11 Tariffs, Supply Chain, and the State of the Market 41:18 Fifteen Years of Change: Expanding the Mill Shop 44:41 New Construction vs. Remodels and Where the Market Is Heading The Woodpreneur Podcast brings stories of woodworkers, makers, and entrepreneurs turning their passion for wood into successful businesses - from inspiration to education to actionable advice. Hosted by Steve Larosiliere and Jennifer Alger For blog posts and updates: woodpreneur.com See how we helped woodworkers, furniture-makers, millwork and lumber businesses grow to the next level: woodpreneurnetwork.com Empowering woodpreneurs and building companies to grow and scale: buildergrowth.io Connect with us at: Instagram: https://www.instagram.com/sawmillsnearme/ Facebook: https://www.facebook.com/woodpreneurnetwork/ Join Our Facebook Group! https://www.facebook.com/groups/woodpreneurnetwork Join our newsletter: https://substack.com/@woodpreneurnetwork Connect with Edmund Allen Lumber Team at: https://edmundallen.com/ https://www.instagram.com/edmundallenlumber https://www.linkedin.com/company/edmund-a.-allen-lumber-company/
Edmund Fitton-Brown critiques the UN's "toxic obsession" with Israel and its lack of evidence regarding genocide claims. Fitton-Brown highlights how China and Russia manipulate the UN system to avoid scrutiny. He notes Israel is uniquely targeted by permanent commissions while worse regimes go free. 111945
Edmund Fitton-Brown and Bill Roggio discuss the instability of the Iran MOU and the upcoming Doha talks. He contrasts this with a balanced Israel-Lebanon framework that aims to marginalize Hezbollah. However, the MOU's vague language allows Iran to claim legitimate control over the Strait of Hormuz. 121950
Fanny is going on a trip! Edmund has plans to go to London and propose to Mary, William returns to Mansfield, and Sir Thomas offers to send Fanny back to Portsmouth with him. Fanny hopes to get over Edmund while she's gone…good luck, girl.Topics discussed include Edmund's pride spinoff, Mary's daddy issues, the sexiest instrument of all time (the harp), whether Fanny is the type of person to adopt her man's opinions, Sir Thomas's real reasons for sending Fanny to Portsmouth, and Fanny's relationship with her family.Patron Study Questions come from Avi and Angelika. Topics discussed include Fanny's relationship to her mother and what it will be like for her at Portsmouth, and whether Edmund is willfully misunderstanding Fanny's emotions.Becca's Study Questions: Topics discussed include how Fanny's status will shift at Portsmouth, why Jane Austen is sending her there, why Sir Thomas sucks, the parallels between Edmund/Mary and Fanny/Henry, and what Portsmouth itself will be like. Funniest Quote: "It had, in fact, occurred to her, that though taken to Portsmouth for nothing, it would be hardly possible for her to avoid paying her own expenses back again. So her poor dear sister Price was left to all the disappointment of her missing such an opportunity, and another twenty years' absence, perhaps, begun."Questions moving forward: What will happen in Portsmouth? What will happen if/when Edmund goes to London? Who wins the chapters? Fanny!!! Glossary of Terms and Phrases:Vicissitude (n): the quality or state of being changeable Glossary of People, Places, and Things: Avatar: The Last Airbender, JASNA New York MetroNext Episode: Mansfield Park Volume III Chapter 7 or Chapter 38Our show art was created by Torrence Browne, and our audio is produced by Graham Cook. For bios and transcripts, check out our website at podandprejudice.com. Pod and Prejudice is transcribed by speechdocs.com. To support the show, check out our Patreon! Check out our merch at https://podandprejudice.dashery.com.Instagram: @podandprejudiceTwitter: @podandprejudiceFacebook: Pod and PrejudiceYoutube: Pod and PrejudiceMerch store: https://podandprejudice.dashery.com/
Preview for Later Today: Edmund Fitton-Brown. Edmund Fitton-Brown characterizes the Memorandum of Understanding regarding Iran as a "catastrophic" and unstable document. He doubts discussions will resolve underlying issues like nuclear development or the status of the Strait of Hormuz.1849 TEHRAN
Headlines:Remember the Gaza Board of Peace? Yeah. It's been pretty quiet lately. Well, presentatives from the Board are planning to meet in Cyprus next week.OPEC, the oil cartel for oil-producing nations, is in danger of losing another member.Secretary of State Marco Rubio just wrapped up a three-day tour of the Gulf.Confusion continues over the state of affairs in Lebanon.--FDD Executive Director Jon Schanzer provides timely situational updates and analysis, followed by a conversation with FDD Senior Fellow Edmund Fitton-Brown.Learn more at: https://www.fdd.org/fddmorningbrief
"When you listen to Van Halen or Extreme or Steely Dan you expect a great guitar solo. The point of this show is to offer some examples of totally unexpected solos. These are solos in a song or a genre or by an artists that it seems to be coming out of nowhere. "
Eurasian Interests in Middle East Conflict. Guest: Edmund Fitton-Brown and Bill Roggio. Guests discuss how Russia and China are benefiting from America's Middle East difficulties, often frustrating US objectives on the nuclear file. Fitton-Brown notes the Europeans have been "anemic," failing to coordinate a forceful naval presence to ensure the Strait of Hormuz remains reliably open for global energy trade. 121879
The Flaws of the Iran Memorandum. Guest: Edmund Fitton-Brown and Bill Roggio. Edmund Fitton-Brown critiques the current US-Iran Memorandum of Understanding, calling it a failure of negotiation that incorporates "every Iranian trick." He argues Iran's core goals—the destruction of Israel and the expulsion of US influence—remain unchanged, and that the US has displayed a defeatist lack of patience. 111721
Preview for Later Today: Guest: Edmund Fitton-Brown. Edmund Fitton-Brown critiques the U.S.-Iran memorandum of understanding as a disastrous negotiation. He argues the deal incorporates Iranian tricks, frontloads their benefits, and undermines the United States and its regional ally, Israel.1721 PERSIA
"Back on May 31st Black Crowes frontman Chris Robinson chided an audience for chanting USA. Much of the audience then walked out. I wondered if this had happened before and it certainly did. We have multiple examples of an audience turning on the performer and vice versa. For many we have the audio from the stage."
Edmund Fitton-Brown explains that a memorandum of understanding is expected to be signed in Geneva, focusing on freedom of navigation in the Strait of Hormuz. The deal includes a 60-day ceasefire but leaves critical issues like the nuclear file for later. Skeptics warn of secret annexes and deceptive Iranian propaganda. (15)1903 TEHRAN
Edmund Fitton-Brown notes that Russia and China view a ceasefire as beneficial for weakening U.S. influence and entrenching Iranian power. Experts argue the Islamic Republic will never negotiate away its revolutionary pillars, including its militias and nuclear shield. The deal provides a rest period for Iran to rearm for future assaults. (16)
Fanny Price remains unknowable to the people around her. Edmund tries to get Fanny to talk about her feelings, Mary and Fanny have a heart to heart and we learn that Mary's friends have all wound up in bad marriages. For the first time ever, Fanny reveals what she saw happen between Henry and Maria. And then, the Crawfords are no more. Topics discussed include being “taken in” to a bad marriage, the truth about the necklace, and Bare Minimum Twitter.Patron Study Questions come from Linnea. Topics discussed include the way Janet Fraser is used to warn Fanny about the possibility of a bad marriage.Becca's Study Questions: Topics discussed include Edmund's treatment of Fanny's choice to reject Henry, the moments of friendship vs. manipulation between Mary and Fanny, Mary's love of ALL the Bertrams, and what's next for Fanny at Mansfield. Funniest Quote: “Miss Crawford made us laugh by her plans of encouragement for her brother. She meant to urge him to persevere in the hope of being loved in time, and of having his addresses most kindly received at the end of about ten years' happy marriage.”Questions moving forward: Who's going to London? Is Mary ever coming back?Who wins the chapters? Fanny!Glossary of Terms and Phrases:Exigeant: French for demanding, strictGlossary of People, Places, and Things: Fiddler on the Roof, SleepoverNext Episode: Mansfield Park Volume III Chapter 6Our show art was created by Torrence Browne, and our audio is produced by Graham Cook. For bios and transcripts, check out our website at podandprejudice.com. Pod and Prejudice is transcribed by speechdocs.com. To support the show, check out our Patreon! Check out our merch at https://podandprejudice.dashery.com.Instagram: @podandprejudiceTwitter: @podandprejudiceFacebook: Pod and PrejudiceYoutube: Pod and PrejudiceMerch store: https://podandprejudice.dashery.com/
Immerse yourself in captivating science fiction short stories, delivered daily! Explore futuristic worlds, time travel, alien encounters, and mind-bending adventures. Perfect for sci-fi lovers looking for a quick and engaging listen each day.
"The new owners of Fender since 2020 are attempting to own the copyright on the Stratocaster body. A German court has taken them part of the way but most experts don't believe it will hold up to scrutiny. Nonetheless, Fender has sent Cease and Desist letters to multiple guitar makers telling them to stop production, call back orders and destroy stock. Fender may have just committed brand suicide because history is not on their side."
KiwiSaver is one of the most important financial tools available to New Zealanders, but many people still aren't sure if they're making the most of it.
Edmund Fitton-Brown evaluates the "armed standoff" between the U.S. and Iran. He explains how Iran uses Hezbollah to pressure Israel while attempting to exploit political vulnerabilities and split the U.S. from Jerusalem. (7)1901 SOUTH AFRICA
Edmund Fitton-Brown discusses the centrality of the nuclear file in U.S.-Iran negotiations. He emphasizes that Israelcannot withdraw from Lebanon while under threat and highlights the IRGC's strategy of absorbing long-term pain. (8)1902 SOUTH AFRICA
Edmund Schuecker: Mazurka in E-Flat Minor, Op. 12Nóra Mercz, harpMore info about today's track: Naxos 8.550741Courtesy of Naxos of America Inc.SubscribeYou can subscribe to this podcast in Apple Podcasts, or by using the Daily Download podcast RSS feed.Purchase this recordingAmazon
Most healthcare AI stories start with diagnosis. Edmund Jackson thinks that misses the real bottleneck.In this episode of The Tech Trek, Edmund Jackson, CEO and founder of Unity AI, joins Amir to talk about AI for healthcare operations. The conversation gets into why scheduling, staffing, follow up, payer coordination, and interoperability are often where healthcare breaks down, and why solving those operational problems may matter more than chasing the flashiest use cases.Edmund brings a healthcare first view to AI. His argument is simple: healthcare is not slow because people are ignoring technology. It is slow because the real workflows are complex, regulated, high context, and hard to capture cleanly in software.What You'll Take Away• Why healthcare experience matters when choosing which AI problems are actually worth solving• Why diagnosis is not always the best starting point for healthcare AI• How scheduling becomes much more complex when patients, payers, clinics, staff, protocols, and follow up all have to line up• Why AI can help clinics save time while moving human staff toward higher value patient interactions• Why interoperability is still hard, even with standards like FHIR gaining momentumTimestamped Highlights00:29, What Unity AI does and why healthcare operations is the focus01:11, Why healthcare AI needs people who understand the domain, not just the technology02:26, The danger of solving the hardest or flashiest problem instead of the most pragmatic one05:15, Why AI may finally help healthcare handle personalization and operational complexity at scale07:47, Why scheduling a healthcare visit is nothing like scheduling a delivery or restaurant order10:42, How operational AI can save time and reduce downstream chaos in clinics24:33, Why healthcare data is much harder to structure than financial dataOne Line That Stuck“Software is like children. Making it is all fun and games. Maintaining it is a whole other question.”Practical Takeaways• Start with the workflow that actually blocks progress, not the one that sounds most impressive• In healthcare, operational context is often the product• AI should create more room for humans to handle the interactions that require judgment, care, and clinical responsibility• More software is not always the answer, especially in regulated environments where maintenance, compliance, and security matterSubscribe to The Tech Trek for more conversations with founders, operators, and technical leaders building through AI, data, product, platform, and engineering execution.
On October 30, 1975, fifteen-year-old Martha Moxley failed to return home after a night out with friends in Belle Haven, an exclusive wealthy enclave in Greenwich, CT. The following morning, Moxley's badly beaten body was discovered underneath a tree, just a few hundred feet from her house, triggering one of the most notorious murder mysteries in the state's history. MENTIONED IN THIS EPISODE: Buy Tickets to MORBID LIVE at Radio City Music Hall on June 27th! Preorder THE BUTCHER LEGACY! Preorder our collab with Hunt a Killer, THE SALEM SLICER References Associated Press. 1975. "Parents guarding children in Greenwich murder area." Connecticut Post, November 10: 2. —. 1998. "1975 murder case before grand jury." Hartford Courant, July 12: 22. —. 1998. "Fuhrman book on 1975 slaying points to Kennedy relative." Hartford Courant, May 10: 28. Brown, Marian Gail. 2002. "Verdict shocks court observers 27 years after Moxley slaying." Connecticut Post, June 8: 1. CNN. 2007. Moxley case: Excerpts from the Sutton Report. December 17. Accessed November 26, 2025. https://www.cnn.com/2007/US/law/12/17/court.archive.skakel11/index.html. —. 2002. Moxley Case: Who was Martha Moxley? Accessed November 21, 2025. https://www.cnn.com/2007/US/law/12/17/court.archive.skakel9/index.html. Connecticut Post. 1975. "Girl, 15, found murdered at her Greenwich home." Connecticut Post, November 1: 1. Ellement, John, and Lisa Prevost. 2000. "Skakel is arrested in '75 Conn. murder." Boston Globe, January 20. Gaines, Judith. 1998. "Grand juror to probe '75 Conn. murder." Boston Globe, June 18. —. 1991. "Police taking a fresh look at 1975 murder of Conn. teen-ager." Boston Globe, October 7. Hartford Courant. 2002. "Skakel jurors." Hartford Courant, July 28: H2. Lang, Joel. 1997. "Martha's murder." Hartford Courant, May 18: 10. Levitt, Leonard. 2004. Conviction: Solving the Moxley Murder . New York, NY: Regan Books. Mahony, Edmund. 2020. "No retrial for Skakel." Hartford Courant, October 31: 1. Merchant, Robert. 2016. "Skakel murder conviction reinstated." Connecticut Post, December 31: 1. Ondek, Richard. 1976. "Prosecutor says family impedes murder probe." Connecticut Post, March 26: 1. Owens, David. 2013. "Freed on bail." Hartford Courant, November 22: 1. 2003. Mugshots: Michael Skakel. Performed by Single Spark Productions. State of Connecticut v. Michael Skakel. 2004. S.C. 16844 (Supreme Court of the State of Connecticut, June 23). Tofig, Dana. 1999. "Suspect's lawyer seeks to suprress comments." Hartford Courant, May 27: B7. Tuohy, Lynne. 2002. "A life, a death revisited." Hartford Courant, May 8: 1. —. 2000. "Kennedy nephew facing arrest in killing." Hartford Courant, January 19: 1. —. 2002. "No apology, no remorse." Hartford Courant, August 30: 1. —. 2002. "One final chance to make their cases." Hartford Courant, June 4: 1. —. 2002. "Prosecution puts on its rebuttal." Hartford Courant, May 30: 1. Cowritten by Alaina Urquhart, Ash Kelley & Dave White (Since 10/2022)Produced & Edited by Mikie Sirois (Since 2023)Research by Dave White (Since 10/2022), Alaina Urquhart & Ash KelleyListener Correspondence & Collaboration by Debra LallyListener Tale Video Edited by Aidan McElman (Since 6/2025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Henry Crawford perseveres, despite Fanny's repeated rejections, and the aunts learn about the proposal. Edmund returns, and he has opinions about the proposal as well. Henry reads some Shakespeare aloud, and Fanny thinks it's hot.Topics discussed gray morality, growing out of being Team Jess, Sir Wobbles's gender, surprise proposals, Shakespeare as a part of English society, and actions speaking louder than words.Patron Study Questions come from Avi and Angelika. Topics discussed include Lady Bertram's offer of a puppy for Fanny, gender-neutral icon Mx. Wobbles, the significance of Henry VIII, and Edmund's behavior after finding out about Henry's proposal.Becca's Study Questions: Topics discussed include the aunts' response to the proposal, Fanny's enjoyment of Henry's acting, and what Henry means about his actions speaking for him.Funniest Quote: Lady Bertram took it differently. She had been a beauty, and a prosperous beauty, all her life; and beauty and wealth were all that excited her respect. To know Fanny to be sought in marriage by a man of fortune, raised her, therefore, very much in her opinion. By convincing her that Fanny was very pretty, which she had been doubting about before, and that she would be advantageously married, it made her feel a sort of credit in calling her niece."Well, Fanny, I have had a very agreeable surprise this morning. I must just speak of it once, I told Sir Thomas I must once, and then I shall have done. I give you joy, my dear niece.” And looking at her complacently, she added, “Humph, we certainly are a handsome family!”Questions moving forward: Will something happen with Julia? Will Henry go away? Will he prove himself?Who wins the chapters? Lady Bertram and Mx. WobblesGlossary of Terms and Phrases:importunity (n): persistence, especially to the point of annoyance.Glossary of People, Places, and Things: Star Wars Episode III: Revenge of the Sith, Schitt's Creek, The Good Place, Gilmore Girls, Henry VIII, The Thing About AustenNext Episode: Mansfield Park Volume III Chapters 4-5Our show art was created by Torrence Browne, and our audio is produced by Graham Cook. For bios and transcripts, check out our website at podandprejudice.com. Pod and Prejudice is transcribed by speechdocs.com. To support the show, check out our Patreon! Check out our merch at https://podandprejudice.dashery.com.Instagram: @podandprejudiceTwitter: @podandprejudiceFacebook: Pod and PrejudiceYoutube: Pod and PrejudiceMerch store: https://podandprejudice.dashery.com/
On October 30, 1975, fifteen-year-old Martha Moxley failed to return home after a night out with friends in Belle Haven, an exclusive wealthy enclave in Greenwich, CT. The following morning, Moxley's badly beaten body was discovered underneath a tree, just a few hundred feet from her house, triggering one of the most notorious murder mysteries in the state's history. MENTIONED IN THIS EPISODE: Buy Tickets to MORBID LIVE at Radio City Music Hall on June 27th! References Associated Press. 1975. "Parents guarding children in Greenwich murder area." Connecticut Post, November 10: 2. —. 1998. "1975 murder case before grand jury." Hartford Courant, July 12: 22. —. 1998. "Fuhrman book on 1975 slaying points to Kennedy relative." Hartford Courant, May 10: 28. Brown, Marian Gail. 2002. "Verdict shocks court observers 27 years after Moxley slaying." Connecticut Post, June 8: 1. CNN. 2007. Moxley case: Excerpts from the Sutton Report. December 17. Accessed November 26, 2025. https://www.cnn.com/2007/US/law/12/17/court.archive.skakel11/index.html. —. 2002. Moxley Case: Who was Martha Moxley? Accessed November 21, 2025. https://www.cnn.com/2007/US/law/12/17/court.archive.skakel9/index.html. Connecticut Post. 1975. "Girl, 15, found murdered at her Greenwich home." Connecticut Post, November 1: 1. Ellement, John, and Lisa Prevost. 2000. "Skakel is arrested in '75 Conn. murder." Boston Globe, January 20. Gaines, Judith. 1998. "Grand juror to probe '75 Conn. murder." Boston Globe, June 18. —. 1991. "Police taking a fresh look at 1975 murder of Conn. teen-ager." Boston Globe, October 7. Hartford Courant. 2002. "Skakel jurors." Hartford Courant, July 28: H2. Lang, Joel. 1997. "Martha's murder." Hartford Courant, May 18: 10. Levitt, Leonard. 2004. Conviction: Solving the Moxley Murder . New York, NY: Regan Books. Mahony, Edmund. 2020. "No retrial for Skakel." Hartford Courant, October 31: 1. Merchant, Robert. 2016. "Skakel murder conviction reinstated." Connecticut Post, December 31: 1. Ondek, Richard. 1976. "Prosecutor says family impedes murder probe." Connecticut Post, March 26: 1. Owens, David. 2013. "Freed on bail." Hartford Courant, November 22: 1. 2003. Mugshots: Michael Skakel. Performed by Single Spark Productions. State of Connecticut v. Michael Skakel. 2004. S.C. 16844 (Supreme Court of the State of Connecticut, June 23). Tofig, Dana. 1999. "Suspect's lawyer seeks to suprress comments." Hartford Courant, May 27: B7. Tuohy, Lynne. 2002. "A life, a death revisited." Hartford Courant, May 8: 1. —. 2000. "Kennedy nephew facing arrest in killing." Hartford Courant, January 19: 1. —. 2002. "No apology, no remorse." Hartford Courant, August 30: 1. —. 2002. "One final chance to make their cases." Hartford Courant, June 4: 1. —. 2002. "Prosecution puts on its rebuttal." Hartford Courant , May 30: 1. Cowritten by Alaina Urquhart, Ash Kelley & Dave White (Since 10/2022)Produced & Edited by Mikie Sirois (Since 2023)Research by Dave White (Since 10/2022), Alaina Urquhart & Ash KelleyListener Correspondence & Collaboration by Debra LallyListener Tale Video Edited by Aidan McElman (Since 6/2025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Twenty years of infantry service doesn't just end the day you retire, it echoes in how you see people, danger, and freedom. I sit down with Lucas, a recently retired Army infantryman with three combat tours, to talk about where he came from, what the Army took from him, and what it gave back. He opens up about growing up mixed race in Rochester, New York, living in a mostly Black neighborhood with his White mother, and learning to keep his head down, grow up fast, and build grit without a father in the home until he's 19.From there we move into the veteran transition that so many listeners think about but rarely hear explained clearly: Lucas's jump into private security as a 1099 contractor. We dig into the nuts and bolts of executive protection, how travel details and shifts can work, what clients often cover, and why the lack of a federal armed security license forces professionals to get certified state by state. Lucas also shares why he's heading to Covered 6 Academy in California to earn executive protection training and a California guard card, plus why he's targeting tougher states like California and New York to become more marketable.We don't stay purely tactical. The conversation turns to political violence and division, then into a challenging idea about racism: how stereotypes get passed down, and whether the way we talk about race can unintentionally keep people sorting each other by skin color instead of character. We also tackle DEI and merit based hiring, focusing on standards, competence, and what “qualified” should mean in high trust work.If you get value from honest veteran stories and practical career talk, subscribe, share this with a friend who's separating soon, and leave a review. What part of the move from military life to executive protection are you most curious about?Send us Fan MailDC1 Enterprise is the go contractor for all of your home services
In this week's episode of The Learning Curve, co-hosts Prof. Albert Cheng of the University of Arkansas and Alisha Searcy of the Center for Strong Public Schools speak with Andrew Hadfield, Emeritus Professor of English at the University of Sussex and British Academy Fellow, about the life, works, and legacy of the great poet Edmund […]
Register here to attend the live virtual event "Why Investors Are Targeting Oklahoma Real Estate in 2026" on Thursday, May 27th at 8:00 PM Eastern Time. Keith explains how rent payments are starting to factor into credit scores, boosting accountability for tenants and strengthening landlords' position. He introduces the "GRE Duck" to show how a plain long-term rental can quietly build wealth through several profit centers beyond visible cash flow. Keith also shares why he expects a new era of heightened inflation and how owning real assets with long-term fixed-rate debt can help investors stay ahead of it. Finally, Keith is joined by a GRE Investment Coach, Naresh Vissa, to highlight Oklahoma as an under-the-radar, business-friendly market that many investors see as a promising "next place" for cash-flowing rentals. Episode Page: GetRichEducation.com/607 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text FAMILY to 66866 Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GRE. I'm your host, Keith Weinhold. The American consumer is in real trouble today, and persistent inflation is poised to make it worse. How should real estate investors adjust their strategy? Learn the difference between delinquency, default, and foreclosure. Why making an early mortgage payoff is almost always ill-advised, then we explore an investment market that's poised for potential today on Get Rich Education. Keith Weinhold 0:32 You know, Mid South Homebuyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's danielthomamashind.com and sign up before spots fill. Keith Weinhold 1:45 Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre that's F L O C K homes.com/gre Corey Coates 2:18 You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Keith Weinhold 2:34 Welcome to GRE from Arcadia, California to Arcade New York, and across 188 nations worldwide. I'm Keith Weinhold. You're listening to Get Rich Education. Around here, we don't look at a house and see four walls, we see five profit centers quietly doing jumping jacks behind the drywall. At the same time, most people seem to think cash flow is something that you catch in a stream. Hey, well, Who's in trouble out there amidst persistent and rising inflation? Well, you know the answer, it's just another reflection of the K-shaped economy and the hollowing out of the middle class. Now we can look at how many Americans are missing their mortgage payments. The mortgage delinquency rate is historically between one and 2% That just means that's the proportion of borrowers that get seriously behind on their mortgage payments. That's the normal range over the long run. Today's figure is pretty low at 1.1% so on the low end of that historic one to 2% range. So homeowners are in good shape, but credit card and automobile loan delinquencies are now deeply concerning, and a lot of times these people can be your rent paying tenant for credit card delinquency. Back in 2022 the rate was 8% Now 13% of credit card users are seriously behind on their payments. How about automobile delinquency? Back in 2022 it was 3.6% Now it's 5.6% and then there's student loans. The proportion of seriously delinquent student loans is 10.3% That's the highest since 2020 So the average borrower entering student loan default is now fully 40 years old. Before the pandemic, it was just 36 and a half. Now, there's surprisingly few hard statistics on the exact average age at which Americans fully pay off student loans, but the best available evidence from a platform. Called the Education Data Initiative, it suggests that the typical borrower who successfully repays on a standard timeline finishes somewhere in their early to mid 40s, and a substantial share of borrowers still carry student debt into their 50s and even 60s, so the US student loan crisis is intensifying. How about your tenant in that rent payment? About one in eight renters are behind on their rent payments per the CFPB. Almost every tenant catches up. Some live a paycheck to paycheck timing game. The payment that renters are most likely to miss is for credit cards, and, like I just put the numbers to, they are more than twice as likely to miss a credit card payment than they are an automobile payment. To most tenants, losing the car would mean losing the job, so they'll make the car payment before the credit card payment, and eviction is catastrophic, so they don't want to face that. They'll make that rent payment before a credit card payment too. Alarmingly, half of American credit card users carry balances from month to month, fully half the average interest they're paying is 21 to 22% I mean, sheesh, if Luboo is in a collection of wildly overpriced Stanley tumblers that all look big enough, waste of money. Now, some debtors can tap home equity to pay their consumer debt, but a lot of them aren't homeowners, all right. So, what does this all mean for residential income property owners? Well, since 1980 rent increases have compounded at 3.9% annually, that's the number, so almost 4% rent growth since about the time that Ronald Reagan became president, but rent growth is currently lagging behind this, and I expect that rent hikes will continue to be pretty paltry for the next couple years. Inflation is stressing tenants' consumer purchases too much for them to deal with steep rent hikes. The median household income of a US renter is $55,000 Overall, it's $84,000 All right, so to be clear, that 84k household income is not for homeowners, it's 84k overall for every American household. The 55k number is just for renters. What all this means is that this coming higher wave of inflation from the Iran war, where you're now poised to potentially see the highest rate of inflation of your entire life occur in the next couple years is that when you're looking at adding rental property on your pro forma, you can see how the numbers would be with those historic 3.9% rent increases each year, but it's wiser to run your numbers with no rent increase at all, because higher inflation on all these consumer products means it's less likely that they can handle a rent hike Keith Weinhold 8:25 In the mortgage world. What's the difference between delinquency, default, and foreclosure, anyway? Because some people use a couple of those terms interchangeably, but there is a difference. The timeline is that once you're 30 days late, that is delinquency, and this condition occurs the moment that a single payment is missed. And at this early stage, your bank still hopes that this is temporary, because the bank actually doesn't want to take back your property. They're not in the business to do that. They want you to be able to keep making your payments in general, because if a borrower keeps missing payments and a bank has to take possession of the property, well, then that bank has to pay legal fees and court costs, and even property taxes if they end up taking back the property. Yeah, the bank pays all of that if they have to take it all right, so that's 30 days. What about when a borrower gets to 90 days late on payments, where we're trending closer to the bank having to take back the property? Well, 90 days, that's the point at which we're in mortgage default. When a homeowner's 90 days late on payments, the lender kind of says to themselves that bank is saying, hey, this is serious, and they file what's called a notice of default with both the homeowner and the courts at the 120 day mark. This is pre foreclosure, right? So, after about four months or more of missed pay. Payments and state timelines vary. Texas is famously Formula One fast, really lender friendly, then, but timelines can drag on for one to three years in a bunch of northeastern states, Florida, Illinois and Ohio, so they're more borrower protective, and during Covid, this was overridden, and even fast states became slow. Beyond 120 days of non-payment, this is foreclosure, the legal seizure process. This is when the home sells that auction to the highest bidder. That's sort of like Sotheby's for distressed drywall, but if no bidder raises their paddle, well, then the property returns to the bank and becomes R E O. You've probably heard this term before, that stands for real estate owned, R E O. It also kind of means bank owned, and bank owned is the phrase that kind of makes more sense. That's what REO is, all right. Yes, this is when the bank becomes the home's reluctant landlord, and if the occupant has not left, the bank can formally file for eviction. Banks don't like being in this position, and they might sell the home cheaply. Why would they do that? Because, again, banks are not in the business of owning property, and they don't want to pay those holding costs, besides paying legal fees and court costs, and the banks now having to pay property tax because they do temporarily own that foreclosed upon property. Now they're also usually paying for maintenance, repairs, and insurance, a non-paying borrower like this can typically cost a lender 1000s per month. So this is the difference between delinquency, default, and foreclosure. But, like I said, we are at a time when mortgage delinquency rates are historically low. Instead, it's consumer debtors that are more likely to default today on things like their credit cards and their automobile loans. The takeaway for real estate investors here is that in today's inflationary times, renters are increasingly cost-burdened, rent increases are historically slow. That's sort of the bad news. And then the upside, the good news is it also means that tenants must delay home ownership and keep on renting from you, because as they struggle to pay these rising expenses, it's also harder and harder for them to form a down payment and go buy their own place, that's the real lesson with the parts of the economy where you see default trends today. Keith Weinhold 12:52 Now, if you're an income property owner, like I am, you probably have mortgages with a bunch of different banks, lenders like I do. You've probably noticed more than once that various banks and mortgage servicers, a lot of times, they feature these early payoff tools, enticing you to pay your mortgage off ahead of time, before it goes its full 30 year term, or whatever your full loan duration is. I mean, a lot of banks love it when you try to pay off your own early. It's often good for them and bad for you. And there are a few reasons that banks do this. They reduce their default risk if a bank convinces you, the borrower, to aggressively pay down your principal. It also builds equity faster, and you become less likely to walk away, so it's safer for the bank during downturns. Say there's a borrower with a 300k property and a 50k loan balance, meaning it's mostly paid off. Oh, that's far less risky to the bank than one with a 300k property and a 200k loan balance, meaning that you have less equity in it. So banks value stability. Another reason that some banks want to roll out the red carpet to try to get you to pay off your mortgage early is because banks recycle capital. They don't simply hold every mortgage for 30 years. A lot of loans are sold to Fannie Mae or Freddie Mac, or they're bundled into mortgage-backed securities, or they're serviced for fees. So your originating bank, when they first made that loan with you, oh, they've already earned their origination fees and servicing income and cross-selling opportunities, so getting principal back from you sooner allows them to reissue new loans sooner, and see rising interest rate environments like we've been in lately that changes the incentives for banks too, because if current mortgage rates are higher than your old rate a. Wow, then banks really love getting your old low rate loan paid off. Just say, for example, you have a 3% mortgage that you got five years ago, and new mortgages today are 7% Oh, if you pay off or refinance the old loan, oh well, now the bank can redeploy that money into higher yielding loans. Now they can lend it out at today's 7% that is really valuable to them. So encouraging your payoff, that is often just some consumer service positioning and marketing. You'll see messaging like, hey, make extra payments, or hey, you can own your home faster if you make extra principal pay downs, that's sort of marketing psychology. Because emotionally, a lot of consumers, they're not thinking big, they still emotionally love debt freedom, because a lot of them don't even consider true financial freedom is something that's in the realm of possibility for them, so banks provide tools because customers oftentimes want them and like them. Regulators actually like this position too. It's positioned as responsible lending optics, and financially healthy borrowers are deemed to be safer customers, but a bank sure does not want delinquency or foreclosure from a wealth building perspective. Productive low-cost debt benefits you, the borrower, enormously. Keith Weinhold 16:34 And on previous episodes, I've talked extensively about how making extra principal pay downs on your mortgage is a bad idea, and that's whether it's rental property or your own home, and you know, I'll bring a new example to this for you. It might feel good to pay off your mortgage faster. Your bank probably likes that, as I just explained, but feeling good doesn't build your wealth. Let's just take a 400k mortgage at a 6% mortgage rate. We'll keep it simple. With a 30 year loan, your payment is about 2400 monthly, so you'll pay 864k over the life of the loan. Well, instead, with a 15 year loan, your payment's 3376 and you'll pay just 608k over the life of the loan. So, by paying extra principal with the 15 year, you save about 255k in interest over the life of the loan, and that's it. Most people stop right there, and they think, oh well, then the 15 year paying down principal faster than that has got to be the smarter way, look, I can point to this on paper and show you, no, but with that extra about $1,000 per month of mortgage payment that you made by going with the 15 year, if instead you would have just invested that at an 8% return, you would have about 1.1 million more dollars in your pocket. Some people say they sleep better because their house is paid off, but I would rather sleep knowing that my money is growing faster than my debt is costing me. I only used 8% as a return, too. If your dollars were instead invested in a different vehicle, say in buy and hold income property. We know that it can be multiples higher than 8% and all the while, if we keep our own money and avoid making an early pay down, our cash is also going to remain more liquid than if we sunk it into the house, because houses make terrible banks. It is indeed rather myopic to make extra principal payments on a mortgage loan in most cases. In fact, somewhat related to this, coming up on a future show, I'm going to tell you about the biggest financial expense you will ever have in your life, it is not taxes, it's not housing, it's not interest charges, it's not inflation, it's not paying for children, and it's not health care. Most people have never heard of it. The biggest financial expense that you'll ever have in your life. I'll talk about that coming up in a future episode. Keith Weinhold 19:23 Is today's American housing market a buyer's market or a seller's market? In fact, it's somewhat of a discussion that you can have. There's not a clear cut answer, because more so than usual, it depends on which region of the nation you're looking at. As we know, six months of available supply is a balanced market nationally. There's only 4.4 months of existing housing supply, but almost twice that much new housing supply. National median home values are only up about 1.1% year over year. And what's the future of the investment market? Good, I'm going to discuss this and more with a guest later today. I would like to seriously thank you for your listenership. GRE is a platform largely built on long form trust, podcast listeners, newsletters, coaching calls, and referrals, releasing a show 52 weeks a year for between 11 and 12 years now, and the show is delivered every week from me, a real human flesh and blood host with a pulse and sometimes a cowlick in my hair, really human stuff going on here. I say this because robot podcast hosts are becoming more common, though I still wouldn't say that robot hosts are widespread. Amazon's Alexa Plus now produces AI-generated podcasts featuring chats between two robot co-hosts, but here on GRE it's always been human delivered with no plans to change that promise, and speaking of human connection, I learned that a number of successful guests that you've heard here on the show, they've gotten counsel from a rather special executive coach that's really developed some of these people that you've heard on the show. This coach has helped people show up as the best version of themselves and build them into better leaders, better operators, and better men and women, just like you, I know there's a gap between who you are and who you could be. When someone points out that gap to you, that can be a motivator alone, and when you learn the steps to close that gap, you really start to fulfill your potential. It often takes a trained eye from the outside to get you on the right trajectory and build the sort of person that compounds and builds you closer to your optimal self and people of enormous success have a coach or mentor behind them. Steve Jobs did, Michael Jordan, Tom Brady, Taylor Swift does the accountability piece alone is often enough to elevate your performance. I just learned about this coach this year. This man has been the behind the scenes key to success for a number of not just real estate related pros and GRE guests, but other people too. And interestingly, he hasn't marketed himself online anywhere. Well, I got curious, I learned more about him and kind of tracked him down, and he and I had a great lunch in California together not long ago, and I have since learned from him after 12 years behind the scenes. Well, it was quite a successful lunch, because that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind, the number of people with life-changing testimonials from working with him is pretty remarkable. So, if you're a hard-charging business owner or investor, and you want to get in the best shape of your life, physically, mentally, or professionally, you can fill out an application for a free consult. It's private one on one coaching, if you're willing to go to uncommon lengths to achieve pretty uncommon results. Thanks to Daniel, we've all become better leaders, better operators, better men. It started by showing up for ourselves. If it sounds interesting to you, now it can be your turn. You might at least look into it, since it is close personal one on one coaching. He can only help a limited number of people. So, complete an application before spots fill. You can go to Daniel Thomas hind.com H I N D is how you spell his last name, that's Daniel Thomas hind.com More next, I'm Keith Weinhold. This is Get Rich Education. Keith Weinhold 24:05 What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge. While it's on your mind, start at Ridge Lending group.com That's Ridge lendinggroup.com Keith Weinhold 24:36 Let me ask you something: if you've worked hard to build wealth, is your money positioned to actually support your goals. A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers Freedom Notes for investors seeking structured income backed by real estate. It's a straight. Forward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 266866 that's Family 266866 Keith Weinhold 25:38 This is Peak Prosperity's Chris Martinson, listen to Get Rich Education with Keith Weinhold and Don't Quit Your Daydream. Keith Weinhold 25:52 For an in-house chat, I'd like to welcome back our head investment coach here at GRE. He has his MBA, but perhaps more importantly, he's an active real estate investor himself, and he spends his days helping GRE listeners cut through the noise and actually make smart real estate investing decisions, and this means helping you figure things out, like what market fits your goals, whether cash flow appreciation or even showing a tax law should be your priority, and how to think about financing and what properties, the exact properties pass the smell test, and maybe most importantly, helping investors like you avoid expensive mistakes. And yes, the coaching is free to GRE listeners at GRE Investment coach.com And basically, if the real estate world feels like Costco on a Saturday afternoon, he helps you find the free samples, find the exit, and get the good deals without getting run over by a shopping cart. It's time for you to share with the audience. Naresh Vissa. Naresh Vissa 26:53 Thanks a lot, Keith, for having me back on the show. Always a pleasure to connect with our loyal GRE listeners and followers, Keith Weinhold 27:01 a lot of loyal listeners, some that have listened to all 600 plus episodes, starting from back in 2014 and Naresh we continue to see income property builders provide incentives that we haven't seen in years. Tell us about it. Naresh Vissa 27:19 We're at a key point in this real estate cycle, Keith, regarding incentives, because we had GRE, and I think investors will tell you this, not just through GRE, but maybe in their hometowns and their local markets, that they're seeing incentives that they've never seen before, and a major reason for this is understanding why these incentives are there in the first place. If we go back five years to 2021 we didn't really see any incentives in 2021 outside of maybe like one year of free property management, which isn't the most enticing incentive out there, but today we are seeing more incentives than we've seen, at least in my career as a real estate investor, which is not very long, it's only about 10 years, but in my career as a real estate investor, in my career as a real estate investment coach, and a major reason for that is because providers, we call them providers, we can call them local market builders, or specialists, or flippers, wholesalers - we'll just call them sellers - they want to offload inventory, they want to sell their homes as quickly as possible. And why is that? Because we're not in a 2021 environment anymore, where a property gets listed and within three hours the first offer comes in, and within 24 hours multiple offers are in, and within two days of property is sold. We're not in that environment anymore. There are a variety of factors about why we're not in that environment. Part of it is economy related, part of it we talked at length about Doge, and the government contracts that have been cut. I mean, we're talking about hundreds of billions of dollars that are worth of dollars that are no longer pumping into the US economy, and the many jobs associated with that. We're also talking about the artificial intelligence, so the tech industries for the last few years, have not necessarily downsized, but changed their job functions, or removed, just eliminated job functions entirely, and this has affected markets, not the entire United States, but it's certainly affected some markets that we operate in, Florida, certainly in Texas, you can look at Austin, Texas, for example, and see the impact that the artificial intelligence and AI has had in the sector there. There are just all sorts of reasons, and so this is why builders, they're not building as much. So there were five years ago what are called spec homes. And pre construction homes, pre construction homes are homes that are to be developed and they get buyers ahead of time and they don't build until they get a buyer and then they build and they complete the property. Pre construction homes are not being done anymore as compared to custom home. A custom home is when you have a buyer and the building has started, the buyer has paid a good portion of the building, and the property is complete. But in pre-construction, they haven't even broken ground, they haven't even gotten permits, and a lot of investors have been scared away from that, saying, Why get a home like that when I can just buy a spec home or a custom home. A spec home is a home where the builder just builds a property and they hope that a buyer is going to come after it's built, and the problem with that, as we're seeing today, this is why builders are trying to offload their inventory. It's because so many of these spec homes were built because these builders thought, oh, 2021 2022 those are such amazing years, but now in 2026 they built these homes, and there aren't buyers throughout the building process, they weren't able to get buyers, and there still aren't buyers available, so what do the builders want to do, they want to offer really, really enticing incentives, because it's very highly likely they took out some type of construction loan, and they took out some other type of loan, and they've got all this debt on the property. Builders are not landlords, builders build, they want to build something and sell it off. They do not want to hold on to it and let something just sit there, that builders make money by selling their property, so all these different reasons are why we're seeing incentives like we've never seen before. And to give you an example, instead of one year of property management, we're seeing two years of property management. Yeah, instead of closing cost credits, we're seeing builders and sellers in general actually pay money to buyers, so they close on a property. Let's say they, instead of a closing cost credit, you close on a property, they'll literally just wire you or overnight you a check for x amount of dollars, and this is not like $1,000 $2,000 We've had some investors get up to $50,000 mailed to them after closing on a property, so I think this is a really, really good time for investors to find deals. You brought up Costco earlier, I'm like the Costco finder, it's a really, really good time to find deals, because through networks like GRE we have access globally, not just mainland 48 states, not just United States, not just globally, whether it's teak timber parcels in South America or in Central America, or it's duplexes, quads, single family homes in mainland United States, we have access to these deals, to these incentives, whereas your average person, they're just reading some headline saying, oh, real estate is a bad investment right now, and home values are supposed to crash, and there's so many homes available for sale, and there's going to be this big crash, and and inflation is very high, which means interest rates are really high. That's like the general consensus, but that's what the mainstream news media is telling, and that's what's creating a consensus. Keith Weinhold 33:29 That's what clicks and fear. Yes, Naresh Vissa 33:31 that's where I say that there are GRE is here to find those diamonds in a rough to find those incentives to find those good deals to find those markets, just like even in the stock market, the stock market can be at all-time highs, but you can still find those diamonds in the rough that are good, high-quality companies. Maybe they're undervalued. There's always going to be some type of diamond in the rough. I don't think we've ever gone through a period in our lifetimes where it was like, oh, everything is going so well, and there's nothing to invest in. There's nothing we should just do nothing with our money. I don't think there's ever been a point. There's always in any asset class in any industry. So that's why I say right now I'm seeing incentives. That's how I began this conversation. I'm seeing incentives that I've never seen before, and I'm excited to share them with all of our GRE followers. Keith Weinhold 34:24 Yes, there's never perfection in a market like a panacea, where everything is tuned in just right, and it's really not a buyer's market nationally, in a sense. Now it sort of feels that way, because in 2021 to 2022 we had such a frenzy and such a run up in such a seller's market that things have come somewhat back more into balance. We still have substantially less than six months of supply on a national basis, but yes, to your point, some people are really cashing in on. These incentives, and that's created a pickup in activity recently that you've seen with investors. Naresh Vissa 35:07 I have absolutely seen a pickup in activity, and there could be.. I don't want to speak in absolutes.. there could be a variety of reasons for this. Number one is the stock market has consistently reached all-time highs for the past few weeks or so, and many people, they liquidated some of their portfolio, they liquidated some of those stocks, and said, all right, it's time to get into real estate. Another reason is, yes, you do see these headlines that are doom and gloom, next big crash, and there are some markets in Florida, for example, in Texas, for example, in the DMV area, DC metro area, Maryland, Virginia, and even in some parts of California, you do see a stagnation in home values, maybe even a decline in home values in some of these areas, but I bring them up because some areas where investors own are still thriving and doing really well, and many of those investors who we work with at GRE, they opted to 1031 and say, you know what, I had this property, it appreciated by 60% since I bought it, 60% 50% whatever it might be, and I want to cash out. Well, I don't want to necessarily cash out, but I want to sell in 1031 into an undervalued market, or a market where the homes have declined, or maybe it's an up and coming market. For those who don't know, 1031 is special tax favored strategy from the tax code that allows real estate investors to sell a property and to essentially replace it with a like kind property, and there's tax break, you don't have to pay a capital gains tax or anything on it. There's nothing like that with stocks. So, if you sell a stock, for example, you can't get a more expensive stock with that capital gain and avoid paying the capital gains tax. Unfortunately, you can't do that for stocks, but for real estate, you can. So, we've had several investors do that, where they, 1031 they said this market, it's taken off, maybe it could go down, who knows, but I'm selling at the peak, and I want to buy somewhere else, so that's what we help people do, that's what I help people do, I help them find those deals, those incentives, those markets that could be up and coming, or maybe that declined, and that's why still it makes a lot of sense to be on the lookout for those deals. Keith Weinhold 37:47 Now, one such place is potentially the Oklahoma market. Last week here on the show, I had your co-host for an upcoming event with me, Richard, whom is an Oklahoma City provider, and we were sort of a phrase that I use, Naresh, is that next place, that next place, Oklahoma City, where the prices haven't run up, it's business friendly, and you do have these affordable prices, and you have landlord-friendly laws, potentially that next place where your dollar goes further, and as the Oklahoma City Thunder go deep in the playoffs, you know the nice thing about Oklahoma is that you can still buy real estate there without needing an NBA contract to afford it. In fact, we were spotlighting their $145,000 new build detached single family rental. Now it is tiny, and it comes with both LVP flooring and granite. I mean, it's something that sort of sounds like science fiction in Metro New York City and coastal California. I don't know if paying 145k would even give you permission to look at a house, but that's one opportunity that we've been talking about here. Niresh, Naresh Vissa 39:03 let me talk a bit about Oklahoma, because this is a market that we haven't covered much. In fact, we, I would say, have never covered it in writing. It's not heavily featured throughout GRE's history. Yeah, it's not prominently featured on our website. This is a newer market, and I brought up the term up and coming, so I brought up the 1031 people are 1031 into up and coming markets. Oklahoma is an up and coming market. It's a very landlord friendly state, it's a very tax friendly state. The property taxes are significantly lower in Oklahoma, for example, compared to a Texas or a Florida, which are two very popular in real estate investment states. Investors go after Oklahoma is not quite as high, their home insurance isn't anywhere as high as a Florida, for example, but the best part. It is because of all these different factors. Oklahoma has a lot of industry, and we'll go into it this Thursday on our webinar. Go to GRE webinars.com to register, but Oklahoma, the tourism is getting up and running. The energy industry still has a very important part to play in this world's energy consumption, Oklahoma, it's got huge academic areas. You have Oklahoma University, you have Oklahoma State, you have a plethora of Tulsa has a very strong university there. You have medical schools there. Oklahoma is an underrated state. People don't think about Oklahoma when they think about what are the greatest states in America, or what state that I want to move to, but Oklahoma, I think, is that next up-and-coming state, because there's actually more stuff now. I brought up tourism, you brought up the Oklahoma City Thunder, they never had really any professional sports teams, what, 20 years ago, Keith Weinhold 41:02 right? Naresh Vissa 41:03 And the Thunder now are the best NBA teams. They have been the best, and I'm rooting for them. So this is all good. That's the Oklahoma City area, where the Thunder play, but, like I said, I brought up other markets, like Tulsa, where we have inventory, and there are a few others that we're going to cover, but mostly the best properties that we're going to cover on Thursday are in the Oklahoma City area, places within 45 minutes, 50 minutes from Oklahoma City. So, as you're watching the webinar and following the Oklahoma City Thunder, that should only kind of enhance as the team does better and as Oklahoma gets more publicity, and is on TV more, and you see all those nice stills on TV, and those shots, and ESPNs covering the city, that's all very good for real estate, and for publicity, and this is like an intangible reason to invest in Oklahoma that actually makes a very big difference. So, overall, Oklahoma is what I would call, like I said earlier, up and coming, the home values, because it's up and coming. You can't get $145,000 new construction property anywhere in the United States right now. When I say anywhere, there's a little bit of hyperbole there. If you look to some boondock towns and cities, yeah, you'll find them, but are they really good renters markets? Are they good appreciating markets? Well, in fact, the most of the state of Oklahoma is now, and definitely that Oklahoma City area is. So, I'm excited about this online special event we're having this Thursday, because, like I said, this is a new market, just like the team, I mean, so many fans are just new to Oklahoma, you know, like Oklahoma, like what's in Oklahoma. Well, attend our special event this Thursday, GRE webinars.com and we're going to get down to the nitty gritty of it. I think this is out of all the up and coming markets I've covered over the last 10 years, I think this is the best one, because the problems I had with some of these up and coming markets, like Memphis, for example, crime.. it's why are they up and coming? Why are the home value solo? Well, you know, crime was a major issue. There's no comparison between an Oklahoma City or a Tulsa and Memphis, for example, or a Baltimore. There's no comparison when it comes to esthetics, when it comes to newness, niceness, crime, homicides, no comparison. So, to me, this is a no-brainer. And I think investors should be really excited about this. Keith Weinhold 43:32 There is anticipation for Thursday's live event, which you can enjoy from the comfort of your own home. You'll learn about real estate investing, you'll get to chat with Naresh and the co-host, Richard, that provides there. Ask any questions that you want to have answered in real time. The event name is why investors are targeting Oklahoma real estate this year. It is this Thursday night, the 20-eighth, 8pm Eastern, 5pm Pacific. Sign up is open@grewebinars.com It's free. Naresh, we all look forward to seeing you Thursday night. It was great having you here. Naresh Vissa 44:06 Thanks a lot, Keith. Looking forward to seeing everybody. Keith Weinhold 44:15 Yes, the Oklahoma City Thunder are the reigning NBA champions, and they've gone deep into playoffs again this season, but what you'll find more interesting about Oklahoma City's real estate investment market is that it's business friendly, still affordable population growth, job growth. There are still good deals. You don't need to have a venture capital exit just to put some rental property in your portfolio, and while those $145,000 properties are small detached cottages with LVP and granite, there are other single family rental and duplex styles, all new build, everything here is new construction, the. Like a nice looking 565k duplex in Edmond, Oklahoma. I'm looking at a photo of it right now. Edmund abuts right up against Oklahoma City. Between 2010 and 2020 it had whopping population growth of 16% That is not random. People vote with their moving trucks. Learn more about Oklahoma's growth in energy, aerospace, aviation, logistics, and tech, along with Oklahoma City's downtown revitalization. This creates the rent-paying tenants with stable incomes that we need at the event, the provider is even offering two years of free property management, and they handle all the tenant placement for you. Save your spot for Thursday now@grewebinars.com Our team will see you then. Next week, we'll have Rich Dad Poor Dad author Robert Kiyosaki back here on the show with us. We'll see you Thursday. I'm your host, Keith Weinhold. Don't quit your daydream. Unknown Speaker 46:08 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 46:36 The preceding program was brought to you by Your Home for Wealth building get richeducation.com
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