Podcasts about Elevation

Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock' on Thursday, 7/17. Keith discusses the rising cost of real estate, predicting that million-dollar homes will become common by 2033 due to: supply scarcity, demographic demand, inflation, and regulatory costs. Over half of U.S. states have cities with starter home prices over $1 million.  Hear about the challenges of investing in beach towns, citing rising insurance costs and maintenance expenses GRE Investment Coach, Naresh, joins the conversation to highlight the BRRRR strategy for income property investment. Resources: Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock' on Thursday, 7/17. Show Notes: GetRichEducation.com/562 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, million dollar homes will be normal by 2033 I'll discuss why and exactly where they'll be arriving. Why are more beach towns going bust? What's in the big, beautiful bill for real estate investors? Then how to own income property with just 10% equity in it today on get rich education.    Keith Weinhold  0:28   Mid South home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated, there's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:53   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  2:10   Welcome to GRE from Palm Bay Florida to Palm Springs, California and across 188 nations worldwide, you are inside one of the longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, I think you know that by now, you can also find my written work in both Forbes and the USA. Today, million dollar homes could be coming to right where you live only as the average home, a typical home. Best said is the million dollar median priced home. They're increasingly common across America. We're going to look at the exact areas where this is going to happen next, and why. Though, real estate prices are only up about 2% annually. This time, a plethora of forces are conspiring to push median American home prices ever higher to a million bucks by 2033 the reasons for ever higher future prices on a national basis are supply scarcity. Though, homes aren't as scarce as they were, say three years ago, incessant demographic demand, continued inflation, tariff pressures, heightened regulatory costs, the rate lock in effect remote work and a perpetual construction labor shortage that makes it easier to find a unicorn than, say, a good plumber out there. All these things are conspiring to push long term prices up, up, up, and sadly, this will make first time home buyer dreams, well only dreams, not a reality for so many Americans. CBS News recently called first time homebuyers an endangered species for this reason. Hmm. Then I wonder if the US Fish and Wildlife Service is now protecting these beleaguered, endangered first time homebuyers. Now the typical Canadian single family home costs 779,500 Canadian dollars today. And get this now, of course, some US regions will have rising prices, and others falling prices in the shorter term, although the general direction is up, but more than half of us, states, 28 out of 50, already have at least one city where the median price for a starter home, just a starter home, is a million dollars or more. This is per realtor.com economist. More than half of states have that condition. Now I want a starter home that's defined as 80% or less of the price of an area's median Well, here we go. It is not just trophy cities anymore that are on the precipice of the million dollar club. It's these moderately priced cities that are next in line, and one trend is that they're located near already expensive markets. For example, Stockton, California is two hours inland from San Francisco, and Stockton is best known for well being two hours from San Francisco. That's about it, all right. Well, here is the 2023 median price. And it's 2033 projection, only eight years away, really, just a little over seven years away. This is where we're going. All right, Boise, from 465k up to $1,163,000 million $163,000 Boston, from 623k to 992k and again, these are 2023 median home prices, and then what they're projected to be in 2033 as these million dollar homes become typical, just in these somewhat moderately priced. US areas, let's continue Colorado Springs. 455k up to $1,020,000 I've made two trips to Colorado Springs in the past two years. I really like it. They're really livable with a nice little airport Denver. 548k up to $1,297,000 Honolulu, 638k up to $1,144,000 Portland, 501k to more than doubling to $1,052,000 Sacramento, 558 up to over $1.1 million Salt Lake City, more than doubling from 493k up to $1,064,000 Seattle, 694k up to $1,486,000 and finally, the aforementioned their Stockton, California, 579k up to $1,447,000 million dollar homes are increasingly abundant into places that are surely Not trophy cities anymore. They're projected to come to all these places by 2033 and this is very realistic, because consider this, what will a million dollars even be worth in 2033 just a little more than seven years away, what will a million dollars even be worth then at 3% inflation, just $789,400 All right. Well, what should you do with this information? It gives you perspective, waiting is not helping get comfy with million dollar homes that are like just kind of all right? And here's the thing, a million dollar home that used to be like posh that used to come with a waterfront view or a celebrity neighbor, and today you just get a popcorn ceiling in a mysterious draft in some entire counties, like I've told you before, in San Mateo County, California, the median home price is already over $2 million just an average home county wide. And I also mentioned to you that there's another California County, Santa Clara, California, where the median price is over $2 million but there are more Nantucket, Massachusetts, Pitkin, Colorado and Teton County, Wyoming, all over $2 million county wide. I mean, in places like this, a million dollar home is a gut job. I mean, it needs a renovation. In these places, a million dollar home costs less than half of the county median. So therefore it is so broken down that you might not even be able to get a conventional loan for that property. And notice that the Sun Belt is not on any of these lists for now, despite its growth, there's still vast land and cheaper housing there the southeast and the Midwest, they still feel like America's affordable housing frontier. But you've got to wonder, for how long and what else does this continued low affordability mean? It's the American. Emerging trend that few people see coming, but we've talked about here, it's that common tidal wave, this horde of new renters that are coming, priced out of million dollar homes. Your renters are coming, and what does this mean for you? Well, consider owning low cost rental property in those low cost parts of the nation. We help you do that here, completely free, at GRE investment coach.com a tidal wave of future renter demand means higher rents and higher occupancy rates. Your renters are coming.   Keith Weinhold  10:39   now, last week, on the show, I discussed the Airbnb arms race, how short term rentals really need a serious glow up and some major investment to compete in a lot of markets anymore. This week, let's discuss the trends in another real estate niche that's largely fallen on some harder times, and that is investing in beach town, something that might be more top of mind for us, as we are here in mid summer. The very best beach town for a bikini slim budget is Pascagoula, Mississippi, a gulf shore escape, where the typical listing will run you a mere 166k can you believe that now this gulf coast town of 22,000 people, it is somewhat of an aberration, though, be careful, Pascagoula is affected by a FEMA rule that really limits the amount of renovation that you can do there? Atlantic City, New Jersey, it's another beach town with a jaw droppingly Low typical list price of 242k yeah. Atlantic City, AC is the name long synonymous with gambling and Trump property port. Ritchie, Florida is another notably cheap beach town with just a 255k typical list price. And it's notable because back in 2019 GRE did a real estate field trip there where I and the property provider and a few speakers, we hosted you, and then we toured properties together in a coach, a tour bus, but those neighborhoods were actually about two miles inland, Myrtle Beach, South Carolina, still just 299k. Corpus Christi, Texas and Ocean City, Maryland, are two more notably cheap beach towns now, especially after talking about the million dollar homes and then you hearing about these cheap beach towns. You might be wondering, gosh, should I buy property for cheap in these beach towns? But, you know, buying the beach house is just the start. Rising. Insurance costs and maintenance costs have forced a lot of investors to question whether beach homes are too big of a gamble now with a few investor profiles here were interviewed first Levi Rogers, a retired Green Beret and a real estate broker in San Antonio, he recently shared how his property on the Gulf Coast went from $3,200 a year for insurance to over $11,000 and that's if you can even get coverage without bizarre exclusions, throw in new flood zone Redeterminations and wild HOA fee hikes due to inflation, and your profits are wiped out in an instant. That's what Levi Rogers says about his particular situation. Honestly, coastal property makes me more nervous than my first Million Dollar Listing. Despite loving beachfront real estate, that's what Los Angeles real estate agent Wesley Kang says he's seen changes that would shock most investors. Insurance costs broke another record at his Marina del Rey listing the owner just got hit with a $68,000 annual premium up from 15k last year, while his neighbor, two blocks inland, pays just 7k so in addition to hurricanes and slow and steady beach erosion, that has caused some homes to simply collapse and fall into the sea. Kang, the Los Angeles real estate agent, said his Malibu client just spent his entire summer rental income on mandatory seawall repairs. Another had to install $100,000 worth of water barriers just to keep his insurance. So is a beach home a good investment? Well, owning it really is not the easy, dreamy investment that it used to be. There are some investors that still think it's worth it, but they need to change their strategy. Roger said that he hasn't sold yet. He just. Had to adapt. That's the San Antonio real estate broker. He cut his rental period down to only the high season months. Raised his rates by 22% just totally ended low season bookings, and he promoted high end upgrades to make the numbers work. He says you have to run it like a hospitality business now, not a passive rental, so the ROI can still be there, but only if you're really on top of it, actively managing risk and costs and the guest experience. Otherwise, what you're doing is that you are just financing someone else's vacation. And this is along the lines of what I was discussing last week with short term rentals in general. Real Estate Investor Daniel Roberts, based in Idaho, he says beach properties are now riskier. He has reinvented his approach to stay solvent. He says we improved our rental by presenting the property as a luxury destination, adding concierge services with dining and boat tours and even fitness sessions. With this rental arrangement, we earned 18% more on rental income last year compared to the previous year, is what he says. However, still, our profits have decreased a little since we now pay so much more each month for insurance and for maintenance, if you're shopping for a beach house and hoping for a deal, it might pay to search a bit inland for cheaper properties and insurance rates, and then it's not really a beach house anymore. Elevation is your friend. Certain oceanfront areas are experiencing a steep drop in some places like Florida. I mean, can you buy the dip if you're looking for opportunities in investor areas like Florida, which saw a huge run up of people heading there during the pandemic, but their jobs require them to return to the office. If you're in the market for a vacation property that you can rent out and possibly use as a second home. There are beginning to be more and more choices. So the bottom line here is that many beach towns are in a bust. Their profitability is under attack, chiefly from these insurance premiums that have as much as 3x or more for many in the past three or four years, Hoa costs are up due to inflation, and then there's just simply the threat of more storms and more beach erosion, and just the stress and concern that causes even outside of the insurance cost, short term rentals tend to be right on the coast or A short walk from the beach. The best long term rentals tend to be inland, inland. Long term rentals are long where we have focused here on this show, and they tend to be stable and steady and frankly, kind of boring, but somehow boring in an interesting way, if that's possible, they plod along paying you five ways.    Keith Weinhold  18:05   Hey, is get rich education the number one real estate investing podcast in America. Are we number one? I've got an answer for you on an upcoming episode. It looks like the big, beautiful bill that was signed into law on the Fourth of July will be advantageous for real estate investors. It extends a lot of Trump's 2017, tax cuts and Jobs Act. There are modifications to opportunity zones in the big, beautiful bill. But the big story is that 100% bonus depreciation has been restored, reset, huge that applies to qualified property placed in service from January 20, 2025 through the end of 2029 now is the Time to accelerate acquisitions and renovations to leverage 100% bonus depreciation. I mean, this is great for investors. And what this does is it allows you to fully deduct the cost of qualifying renovations, property improvements and certain building components immediately, instead of you, having to spread the deductions out over several years. Major however, the big, beautiful bill does not do much of anything to help those beleaguered first time homebuyers that endangered species. In fact, in a previous version of the bill, it was going to open up millions of acres of public lands for new development. Now, if that happened, that could have added more housing supply and therefore kept home prices from perpetually rising, and therefore maybe helped first time home buyers. But that provision was removed from the bill before it got passed. All right, so those public. Lands will not be developed. That was not part of this bill, and that's a quick overview of what Trump's big, beautiful Bill means to real estate investors. To review what you've learned so far. Today, million dollar homes are coming to more places, and that's due to supply scarcity, demographic demand, incessant inflation, tariff pressures, heightened regulatory costs, the rate lock in effect, remote work and a perpetual construction labor shortage. More beach town properties are going bust due to surging property insurance costs and the big beautiful Bill has some serious positives for real estate investors, but not for first time home buyers.    Keith Weinhold  20:45   There is a lot happening here at GRE we, including me and our investment coaches here, are talking with you, our investors. We're talking with the nation's top property providers, as we always do, and there's just a lot of real estate news. How can you follow us to keep up on all this? Well, there are three main ways, and they're all free. There's no subscription cost. That is, firstly, through this show, the get rich education podcast. Secondly, our YouTube channel called get rich education. Yes, we are consistently branded. And the third main way to follow us is with our Don't quit your Daydream newsletter. Sign Up Free by texting GRE to 66 866, that's text GRE to 6668 66 and there you go. They're in they are the three main ways to follow us, podcast, YouTube channel and newsletter, and then also our social media channels, get rich education can be found at all the usual places, Facebook, Instagram, Tiktok and x, but our handle is Get Rich ed on x because there is a character count limit there. That's how to follow us. You can find our recommended property providers at GRE marketplace when you're getting actionable, and then to engage with us for a free strategy session to learn your goals and really put you on a financially free trajectory. You can do that with our investment coaches directly book time on their calendar at GRE investment coach.com   Keith Weinhold  22:25   what is happening with the future of the Fed and interest rates, and how can you put as little as 15% even 10% down on an income property? That's next. I'm Keith Weinhold. You're listening to get rich education    Keith Weinhold  22:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.   Keith Weinhold  23:11   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk, because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66 866   Naresh Vissa  24:21   you this is peak prosperity. Chris Martenson, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:42   It's terrific to have a familiar voice back on the show. It's an in house discussion with our own GRE investment coach since 2021 he's met with you, usually over zoom or the phone completely free to learn your own personal goals. Find the market that's right for you. Two. And he even goes as far as helping connect you with the exact property address that would make your next real estate pays five ways property, like say, you find 654, Maple Street in Little Rock, Arkansas or Indianapolis, Indiana. For you, he helps you through it all. And then he even helps you if you have any trouble after owning the income property. He's got the formal education with his MBA, and he walks the talk because he's a direct real estate investor, just like I am. Hey, welcome back to the show investment coach Naresh Vissa.   Naresh Vissa  25:32   thanks for having me back on. It's always a pleasure to talk to you and the loyal GRE listenership that we have. I think   Keith Weinhold  25:40   we enjoy talking to each other more than President Donald Trump and Fed Chair Jerome Powell do for sure. And I think if anyone's been paying any attention, there's been quite a feud between Trump and Powell, and it's been pretty entertaining. Trump has referred to Powell as Mr. Too late, like too late to make a decision. He has called Powell a numbskull. He has said Powell has a low IQ for what he does. That drama has been really interesting now. Powell's term ends in May of next year, so about 10 months from now. And I think most anyone knows that Trump wants an interest rate cut badly, but Powell keeps holding tight, and what Trump says is that he wants to lower the interest costs on our national debt. That's the reason that Trump gives for lowering the rates. But Powell's been reluctant to lower rates because it might stoke inflation. In reality, I suspect that Trump wants lower rates just to juice economic growth, like that's the real reason, and then Trump sort of hopes that inflation only catches up with the next president who comes in in 2029 and interestingly, back on July 1, Jerome Powell said, if it weren't for tariffs, he would have already lowered rates. What are your thoughts?   Naresh Vissa  26:55   Well this is a lot more complicated than it seems, and here's why Trump called Powell a lot of names, and I think some of those names hold true if we go back to when Biden was president, because it was in April, May 2021, that I was saying, hey, it's time to start increasing the interest rates, because inflation was going up significantly, very quickly, it was going up. And if you recall, Keith, I know you did many episodes on this, Powell kept saying, Oh, this is transitory. It's just transitory. And my whole justification was, well, look, a 25 basis point hike ain't gonna kill anybody. And they refused to do it for an entire year. Once we started seeing inflation going up. And by that point, inflation went up close to 10% that's how bad it got. That's it didn't hit the double digits, but it was very close to hitting the double digits. So yes, I do think Powell was a numbskull for not raising the rates back in 2021 but today I'm actually on Powell's side, because there are still inflationary pressures. And remember, Keith, the inflation target is 2% it's not two and a half percent. They haven't moved the goalposts. It's still 2% and last month, this is the media is not talking about this, except for get rich education today, inflation went up last month. So yes, it beat expectations, but it still went up. The expectations were that the terrorists were going to create this massive inflation and we would be back up at the three handle. And it didn't do that. But regardless, inflation still went up. So let's wait. Let's see what the CPI numbers show. I don't think we're going to be close. I don't think we're going to be under that 2% figure within the next two months, and that's why I think Powell is justified in holding to rate study. Now, with that being said, I do think because of Doge, we did an episode earlier this year on Doge, because of Doge, because of the latest ADP job numbers, the latest unemployment numbers, the private sector cuts that are happening at Microsoft and Google and a lot of other big name companies. I do think that inflation will eventually dip below 2% you look at the gas prices have hit four year lows. Look at egg prices have hit, I think four year lows or three year lows. I do think we'll dip below the 2% at some point. The question is, is, when is it going to be? You know, three months from now? Is it going to be a year from now? It all depends. So what does that mean for your question of, is Powell right? Is he wrong? Is he a numbskull? Who's right? I completely understand what you said is why Trump wants the rates cut, and that is, he wants to juice everything because he looks great, and it's a midterm election year, next year, and he doesn't want to lose his Congress. And I understand the political side of it, but the number one issue, the number one issue, according to almost every poll out there before. Election, the number one issue on voters minds was inflation. It's had things. The bleeding has not stopped, and the inflation is out of control. The groceries are too expensive. That's what's important. And I'm on Powell's side here. I think you have to be patient. On the other hand, Trump is being very aggressive, and he's looking to replace Powell, and he's going to put in his guy in there. I mean, the basic requirement for the job is you're going to get in there and slash entry. You're not even going to do a 25 basis point cut. You're going to go down to 1% fed upon rates overnight. That's what Trump wants. I don't know if you saw that, but Trump wants a 1% Fed funds rate pretty much overnight, because he's saying, oh, is going to save us all this money on the debt that we're paying, interest payments and data I get where both of these guys are coming from. I think the ideal scenario, because Powell, it looks like he's safe until maybe the end of the year. I think we hit that 2% point, definitely by the end of the year, and Powell will start cutting in September, we'll see a 25 that's what I think. I think we'll see a 25 basis point cut in September, maybe a 50 basis point cut in the next meeting after that, and and maybe even a 75 basis point cut in December. And that way, when the new guy comes in, he doesn't have to do this drastic COVID March, 2020, type of cut, of slashing rates close to zero overnight. We do it in a gradual I think that would be better for the country and for the economy and for the global economy. So that's where I see things. But regardless, regardless, we know for a fact that the interest rates, the cutting is beginning soon, and the rates are going to be very low sometime next year, if not by the end of next year, we know for a fact that the rates are going to be very, very low. And what that means for the housing market is that, and let's talk about the housing market really quickly, the inventory in the housing market is the supply side is very high. This is not 2021 2022 when homes are flying off the shelves and people were paying above asking price for homes. We're in a situation where the inventory has piled up. Home values have somewhat stagnated. If rates are going to bottom next year, then buying real estate. I don't want to say I'm not calling a bottom, but I'm saying that you can expect real estate home values to skyrocket once rates hit that 1% because of the Fed funds rate. So right now, we're seeing demand from investors because they're thinking what I'm saying, hey, the Fed is going to slash. We know that for sure because of Trump. And when that happens, institutions, individuals, they're going to start taking out debt, and the housing market's going to skyrocket just like stocks. I mean, really, most assets are going to skyrocket. So right now, I think, is an excellent, excellent time to be looking at buying real estate, and then you can just refinance later, when the rates bottom in a year or two,   Keith Weinhold  32:50   when you talk about high housing supply, I think what you mean is higher housing supply. Nationally, we're still 12% under supplied. It's just the fact that we have 30% more available housing supply in the one to four unit space than we did a year ago. At this time when we're talking about interest rates and things that have to do with the larger economy, here, you the listener should be aware that Naresh has often been tapped and interviewed by major network television on his opinions on these sort of broader economic issues, so he is qualified that way. And to give you an idea with what we're talking about with this desire to get the Fed funds rate down to 1% whether that happens or not, today's Fed funds rate is around 4.3% just to give you an idea of the magnitude of the potential cut, I don't forecast interest rates because it's very difficult to do, but it's interesting that Naresh has done some of that, and let's remember that Trump is actually the one that appointed Jerome Powell back in Trump's first term, and there's been a good bit of speculation around who the next appointee might be. In fact, if that appointee is named several months before Powell's termination of his term in May. Some people think that could be Treasury Secretary Scott Besant, that that alone could change the dynamic, that you would get someone more likely on board to make rate cuts and name them before they actually come into office.   Naresh Vissa  34:14   Well, the President decides he appoints that position, and we know for a fact 100% Trump is only going to put his person in there, man or woman, we don't know, but he's going to put his person. And the basic requirement for the job, it's not a PhD from Harvard or being a multi billionaire like Scott Besant. The basic requirement for the job is cutting the rates to 1% the Fed funds rate to 1% that's the bare minimum basic requirement for the job, and there are apparently lines of people who are lining up because they think they fit that requirement. So we know that's coming. We know it's coming at the latest, next year, like I said, Because Trump said it himself, and to be calling somebody a numbskull and all these names, he's very serious about this. It's an issue that means a lot to him. And again, I get where Trump's coming from. The government would save a lot of money on interest payments. And Trump's justification is, inflation is low, let's just try it, which I somewhat agree with. He says, Let's just try it, and if the inflation goes back up, then you just raise the rates. Don't you know, Powell was too late in 2021 the next guy won't be too late in raising rates this time around if the inflation does go back up. So it's a different strategy that would definitely juice the economy overnight. Of course, he wants that. Everyone's got their own opinions. I'm of the opinion. I think the Fed actually is for the most part. Post 2022 has done a good job. In fact, I did an episode with you, I think, a year and a half ago, saying that the Fed should have done more rate hikes, because we would have been at 2% inflation a year ago had the Fed done one or two more rate hikes, in my opinion. And we saw at the end of Biden's presidency, inflation started going back up when the Fed actually cut rates, when they should have been raising rates previously. So with that being said, this is a good opportunity for investors, because we are in that doldrum right now where we know the rate cuts are coming, at least we, you and I and GRE listeners know that the rate cuts are coming. Not everybody knows that they're coming, because they may not pay attention or follow this stuff as closely as we do. We know that they're coming, and what that means for the housing market is, like I said, juice. We can see juice in stocks. We can see juice and housing. We can see juice and Bitcoin and other commodities.   Keith Weinhold  36:35   Well, you use the word doldrum. Yes, the housing market is in somewhat of a doldrum. We have lower transaction volume than we have historically, for sure, and really that's led by we need to keep in mind as investors, that that's lower owner, occupant purchase volume, because investor purchases have stayed pretty steady.   Naresh Vissa  36:56   Yes, I'll say this, Keith, we work with a lot of different providers all around the country. I want to say we're up to something like 30 different providers in 20 different markets or so. When these partners are calling me saying, Hey, we got all these properties and send me your people and you know, let's do business together and help us find more investors, then I know that the housing market has somewhat stalled. It's not doing terrible, but I know that it's when those providers aren't calling me, or when they even cut off the relationship and say, Hey, I don't want to talk to you anymore. I don't want to work with you anymore. Then I know, hey, it's a really hot housing market. They don't really need me. And I'll tell you right now, every other day I have a partner of ours, I had to tell them to stop call. I said An email will do, or a text message will do. You don't need to call and leave me a bunch of voicemails. I have people calling me every day saying, Hey, we got all these properties, and they're amazing and they're beautiful, and send your people to us, which tells me that it could be actually a good time to start buying. Because it's not like I said, 2021 it's not 2022 it could be a good time right now, because the investor will hold more leverage, and the incentives that these partners are offering are second to none. I've never seen incentives this good. I mean, it's not just the free property management, it's not just the closing cost credit. It's negotiating prices of homes. It's getting cash back at closing, so just literally having a check overnighted to you that's in the five figures, cash back for buying property. So overall, I think it's a really, really good time right now to get into real estate, probably one of the best times, if not the best time since I joined GRE at the end of 2021   Keith Weinhold  38:40   of course, Ken McElroy was just here on the show with us a couple weeks ago, talking about what a good time it is to buy from his perspective as well. But yeah, Naresh, I appreciate that you're kind of letting the listener peek behind the curtain a little bit. We really get a good read on the pulse of the market here, and part of our job is to vet those providers that we work with, yeah, the race. Well, one property strategy that almost transcends eras is the BRRRR strategy. It's such a popular strategy with investors, because you can get in to a deal and have so little of your money left in the deal that you could end up with 10 to one levered. So the burr strategy, that's probably the most popular strategy with our investors. So tell us more about that.   Naresh Vissa  39:27   We've done several webinars already about Bert, and this has become the most popular strategy with our investors, hands down the amount of volume that we're seeing with our investors, people who keep buying more and more because the first one worked out. Now there are some that didn't work out, and that has more to do with the provider than it has to do with the strategy. The strategy is simply buy a property that needs to be completely rehabbed, refurbished. It's you buy a property, as is, you take out a hard money loan to renovate the property, to gut it, to update. It, bring it up to speed. Or you can pay cash. So a lot of people say, Oh, I don't have the cash to pay for such a property. So they're the hard money loan is there. Or you could pay cash. Our recommendation, my recommendation, personally, is take out the hard money loan, because you have that extra layer of protection, that extra body who will make sure that you're not getting taken advantage of, because that's a problem that we've seen with BRRRR, where some of the providers, some of the sellers, they'll sell the property, and then they just disappear after that. And we don't want that to happen. We want the rehab to actually get done, because the real value is by doing the rehab, making the house nice, renting it out to a tenant, and then refinancing the property, because the home value is going to appreciate so much. In some cases, some of our investors got 100% appreciation from what they bought the property at, and they were able to use that equity, 100% of that equity into the down payment, into other fees, so they didn't have to pay anything out of pocket for the property. So that's the beauty of the BRRRR strategy. And like I said, what's most important? Because we've already done two web it. We've done a Memphis burr webinar, we've done a Cleveland burr webinar. Now we're doing a little rock BRRRR webinar, and I think this is the best burr out of all the burs that we've done. And the reason is because the team we're working with, they have a legitimate company operation. They have a property management division, they have a rehab division, they have a sales division, they have a management division. This is not like a one man show or a two person company trying to do all these rehabs all at once. So they're very here's the schedule. This is what we have to do, very accurate and so yes, their pro forma numbers aren't going to be as aggressive as what our investors have seen with previous BRRRR providers. But the problem with those aggressive numbers is that a lot of the providers, they overinflate those numbers, and they don't follow through, let's say, on the rehab, or they do the rehab, and the appraisal does not come back at an amount that met the proforma. So I'm just really excited about this, because Little Rock is a new market that we've entered into. We have not done a lot of Little Rock promotion, a lot of Little Rock property. So it's a new market, number one and number two, it's the team that's there. This is the best of the best team. And if somebody came to me and said, Hey, I want to do a bur. Where should I do it? You've got all these different webinars and podcasts on burrs. Where should I do it? I would say bur Little Rock is where you want to do it, because you're going to sleep way better at night, and the process is going to be way smoother than the others. Yes, the pro forma numbers, they're not going to be as appealing, or they're not going to be as outlandishly high as those other markets, but those other markets, Memphis, Cleveland, there's a reason why those numbers are so high. And like I said, it's this team in Little Rock, amazing team, Keith, I know you've had some calls with them. We interviewed the their head Alex on last week's podcast episode. He and I are going to be doing this upcoming webinar on BRRRR little rock this Thursday, and we hope to see everybody there go to gre webinars.com, gre webinars.com, right now to register for that webinar.   Keith Weinhold  43:14   It's this Thursday, a live event that you can attend from your own home. And the benefit of you attending live is you can have your questions answered in real time. You can hear other attendees questions, which will help educate you on this process. And yes, I don't know if this will ever happen again. We do have Alex leading the bur strategy in Little Rock. He's been doing this for 15 years. He's got his vetted, proven team and a great system for doing this, so that so much of it is all done for you. And   Naresh Vissa  43:47   one more thing that I'll say, because this has become very popular with our online special event attendees, they hear podcast episodes like this, and they say, Hey, I want to jump on this before the live event, because all those other people are going to be on, and I want to jump. So I want to share, or Keith, I'll let you share our link for people to just reach out to me if you want to schedule a meeting or just email me. Just reach out to me if you don't want to wait until the webinar, the online special event this Thursday, if you want to get a head start, please absolutely reach out to me.   Keith Weinhold  44:20   That's a great thought. You can go to GRE investment coach.com right now and get on the race's calendar so that you can have a free meeting. Any last thoughts about Thursday's big event?   Naresh Vissa  44:32   like I said, it's going to be Thursday evening. The time is going to be at 8pm Eastern Time. Thursday, 8pm eastern the webinar, online special event will last about two hours. Our listeners, our followers, love these online events because they're highly interactive. We get everybody involved. They're fun, and the reason why they last two hours is because the people who attend are having such a good time. Them that they want it to last that long. I remember a long time ago when we used to do these online events, and they'd only last 30 or 40 minutes, and then that was the end. But now our file loves them so much. I think if you've never attended one of our online special events, you'll definitely want to attend this, because it is the timing is perfect before all these rate cuts, as the housing supply inventory is at a 12 month high. So the timing is is really good. The incentives are excellent. And like I said, we know interest rates are going to be slashed sometime next year, so you can always refinance later, but but getting in at these prices is going to be a true gift. So gre webinars.com, to register for this online special event.   Keith Weinhold  45:52   We are all looking forward to it this coming Thursday. Narration, it's been great having you back on the show.    Naresh Vissa  45:57   Thanks, Keith.    Keith Weinhold  45:58   Yeah. Fruitful in house chat, as always, with one of our investment coaches, Naresh, that's how you can leave as little as 10% down on an income property. When you do that, cash out refi with the burr strategy, you'll get in at today's lower prices, they tend to be 140 to 160k in Little Rock, Arkansas. You'll lock in this year's rates with that low price, with the BRRRR acronym, meaning buy, renovate, rent, refinance, repeat. Well, that refi is a little ways down the road after your initial purchase. Longer term, if interest rates go up, you'll be glad that you got today's rates. And if interest rates go down, which many expect, then you'll refi. The only thing bigger than the next Fed interest rate decision or the naming of a new Fed chair is Thursday's GRE live event itself, get ready. Really, the event presentation typically takes an hour or less. The rest of the time is your questions and conversations, so show up from the comfort of your own home, maybe with a beverage this Thursday, and since it's in the evening, probably not a stimulant, maybe a yerba mate, besides seeing real life case studies and understanding how the burst strategy works, how to optimize it and the mistakes to avoid, expect access to available Little Rock burr properties, actionable opportunities. Should you so choose? Sign Up Free at gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  47:50   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  48:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866. While it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  49:30   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Daily Elevation Prayers - July 13, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 14, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Listen to weekly sermons from Velocity Church in Lawrence, KS. Velocity is a vision-fueled and faith-filled community changing lives and transforming a city with the message of Jesus. For more information visit www.findvelocity.org

Daily Elevation Prayers - July 12, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 13, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 13, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Take your garden to the next level! We talk about plants that add height to the garden and plants that grow at higher elevations.

Daily Elevation Prayers - July 11, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 12, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 12, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

In this insightful episode of the Build Show Podcast, host Matt Risinger sits down with Stephanie Dailey—longtime colleague, project manager, and now remote collaborator—to explore what it really takes to build a remote career in the construction industry. Stephanie shares her unconventional path from jobsite coordination in Austin to managing high-performance builds from hundreds of miles away. With candid stories about burnout, family priorities, and the pursuit of flexibility, Matt and Stephanie talk about redefining success in a traditionally hands-on field. From the power of trust and communication to the evolving role of women in construction, this conversation offers valuable takeaways for builders, business owners, and anyone navigating career shifts in a digital age. Real, reflective, and refreshingly honest, this episode is a must-listen for those rethinking how and where meaningful work gets done. Matt's Resources: https://jobsitecodes.com/https://stevendailey.com/ Save the Date for Build Show LIVE 2025 in Dallas, TX: October 16-18, 2025!Don't miss a single episode of Build Show content. Sign up for our newsletter.

In this step of elevation, we expand the learning and exposure of local church-centric missions to the entire congregation. This is a crucial step, both in humble learning and in accelerated growth in the area of missions for your church. We share specific resources and types of resources to increase ownership and participation throughout the entire congregation.

Daily Elevation Prayers – July 11, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers - July 10, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 11, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 7, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 10, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 9, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 10, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

In this high-elevation episode of Strength In Knowledge, we explore how to optimize endurance performance when the air gets thin. Based on the research by Salgado, Ryan, Seeley, and Charkoudian, we dive into both traditional and cutting-edge strategies designed to help athletes thrive at altitude.From acclimatization protocols and hypoxic training to novel interventions like dietary supplements and advanced breathing techniques, this episode examines what the science says—and what actually works. Whether you're coaching endurance athletes, treating altitude-related fatigue, or training for your own alpine challenge, you'll gain valuable insights into boosting performance when oxygen is limited.⛰️ Tune in to learn how to go further, faster, and stronger—no matter the altitude.Improving Endurance Exercise Performance at High Altitude: Traditional and Nontraditional Approaches Salgado, Roy M.; Ryan, Benjamin J.; Seeley, Afton D.; Charkoudian, Nisha DOI: 10.1249/JES.0000000000000347

Daily Elevation Prayers – July 9, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers - July 8, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Elizabeth Morrison PhD, LCSW, MAC (she/her) is a Licensed Clinical Social Worker, a certified Master Addiction Counselor, the Co-Creator of the LCA and she is an Unapologetically Black Unicorn. Elizabeth talks about the Lay Counselor Academy and why lived experience is key. They talk about tapping into people's core gift, supporting employee mental health and why we don't need to fix people when they share their struggles with you. For more information on the Lay Counselor Academy: https://www.emorrisonconsulting.com/   The National Suicide Prevention Lifeline is now: 988 Suicide and Crisis Lifeline Contact the show: UBU@UnapologeticallyBlackUnicorns.info Transcripts of this episode are available on Apple Podcasts.

Lipoprotein (a) Elevation: What Does it do to CV Risk and What do You Need to Know About Treatment   Guest: Vlad Vasile, M.D., Ph.D. Host: Stephen L. Kopecky, M.D.   Lipoprotein (a) is a blood biomarker that poses independent risk of heart attacks and stroke when elevated. All patients should be screened for this biomarker. Currently, there are no efficient treatments for lipoprotein (a) elevations, but likely the scenery will change as we will have treatments available in the near future. For now, we recommend a healthy lifestyle, medications that lower cholesterol, aspirin and screening of all first-degree relatives of patients with elevated lipoprotein (a), including children.   Topics Discussed: What is lipoprotein (a)? How does lipoprotein (a) increase cardiovascular risk? How do we treat lipoprotein (a) elevation? Do you screen children of patients with elevated lipoprotein (a)?    Connect with Mayo Clinic's Cardiovascular Continuing Medical Education online at https://cveducation.mayo.edu or on Twitter @MayoClinicCV and @MayoCVservices. LinkedIn: Mayo Clinic Cardiovascular Services Cardiovascular Education App: The Mayo Clinic Cardiovascular CME App is an innovative educational platform that features cardiology-focused continuing medical education wherever and whenever you need it. Use this app to access other free content and browse upcoming courses. Download it for free in Apple or Google stores today! No CME credit offered for this episode.   Podcast episode transcript found here.

Daily Elevation Prayers – July 8, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 8, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers - July 7, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

In this episode, Jen Garrett emphasizes the importance of converting influence into career-defining opportunities, strategic relationships, and industry recognition. Jen offers insights into moving from being a trusted voice to a go-to leader and underscores the significance of strategic relationship building and intentionality in progressing one's career. Throughout the episode, she shares practical examples and strategies, including the power of articulating ambition and positioning oneself for high-impact opportunities. Episode Highlights: 01:19 Activating Your Influence 02:06 Personal Experience with Influence 03:22 From Trusted Voice to Go-To Leader 05:37 Building Strategic Relationships 09:39 Turning Influence into Opportunity

Does Jesus endorse Workplace Embezzlement? A quick read of The Parable of the Dishonest Manager sure makes it seem like it does! Join us as we kick off this summer series Parables: Then and Now as we sit with one of the most challenging parables and discuss how we read difficult passages of scripture as a community and what this passage might have to teach us today.Discussion QuestionsWhat parts of the parable of the Dishonest Manager stood out to you when it was first read? Was it a passage you were familiar with? What were your first impressions?This is often cited as one of the most confusing stories among the parables. How do you generally deal with difficult passages in the Bible? Why do you think Jesus might have picked such a weird story? Why do you think the author of the book of Luke might have included it when none of the other gospel writers did?The parable and the teaching after it in Luke 16 seem to focus on how Christians should relate to money. If you have spent time in churches before Elevation how did they handle the topic of money. What was positive and what was negative?What do you think the Spirit might be telling us through this parable today?

Daily Elevation Prayers – July 7, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers - July 6, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Listen to weekly sermons from Velocity Church in Lawrence, KS. Velocity is a vision-fueled and faith-filled community changing lives and transforming a city with the message of Jesus. For more information visit www.findvelocity.org

Daily Elevation Prayers – July 6, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 6, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

There's many different types of magick in this world, and the Primordial Beings offer such a beautiful form of magick to us. Here in this episode, we break down the Primordial Beings magick and having a relationship to them. I'll admit, the beginning of the episode is a bit chaotic- but would it really be Aquarius if there wasn't some chaos? Thankfully it turns into an educational moment. This is also the first episode of Coven related magick at the end, so if you're interested in joining us you're more than welcome to. The Coven group chat is also posted below, if you're interested in joining us. There's a full Coven Update (including my new PO BOX) with the Substack blog for this episode at https://vordr.substack.com/.Notes for the Episode:To Activate this work to be bound in the coven space, and under the cover of the coven, Speak the following at the beginning:“The Order of this work is bound, encompassing Love, Truth, Free, Honor, Glory, Elevation, Gratitude, Reverence, Justice, Magick, Spirit, Liberation, Free, and Love, to the Coven, a Guild, under the Highest Spirit, and so it is.And to end the work that's involved with the coven:“I close and seal this work and order, and so it is.” I always like to close thanking the spirits involved, which will also involved the other practitioners of the coven for this. Don't ever force gratitude, but if it feels natural then definitely give gratitude to the spirits involved in the work, and the coven space as you feel called to.Unbinding from the Winds Offering to the WindsTalk to the Winds and offer your gratitude, your words, your love-you can sing, breathe with the intention of offering to the winds, however you choose to offer be sure it is true for youAfter offering Gratitude to the Winds, tell the winds what's been going on, what's been blocking you, locking you in, and binding you into the position that you've been in. Sometimes with Pluto we need to be direct, and sometimes we have no idea what we're talking about until after we say what we need to- so, use your discernment for when you need to be specific and general.We cannot unbind ourselves without being re-bound into something new, so what is that you want to be bound to instead of the blockages and locks that have been on you? Where to you need to change to usher in new life? For this, Be specific. Binding contracts can ask us to identify loopholes, so if you feel called to say “I want to be bound to ‘this', without ‘these prices',” then I highly suggest you do that.This is not the work of a miracle. This is the work of the Primordial Spirits, making sure their kids (us) are okay in the world. Be mindful of how you talk to them. They are older than the Earth itself. This work need be done hassle and struggle free, so be sure to ask that it is done that way. May the work be as direct as possible, as easy as possible, and not involving pain, struggle, or interruption to your current priorities of your life and practice. And May it be done through Love and Elevation. Offering to the Winds examples:DancingRunningWalkingCookingSmokeFansYour ac unitBreathing Driving Just know, from the above, however you choose to offer to the winds, that space will now be involved in the work, and you'll probably be asked to pick it up again. For example if you offer the winds the are made from you driving a car, then when you drive your car there could be some clearings of old contracts and realizations of new contracts while you're in the car/driving. So, choose mindfully, and make sure that it's in an area of your life that you feel welcoming and comfortable to bring into the unbinding and rebinding of contracts via Pluto.❤️Become an Exclusive Sub❤️https://www.vordr.art/support

Daily Elevation Prayers - July 5, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 5, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 5, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Practical and widespread communication and teaching of your church's paradigm to become a Sending Church will be key to your entire body of members embracing the biblical vision of a sending church.  It will take some energy and enthusiasm to help your church grow to be committed to whole-church mobilization for missions. Lord willing, it will result in well-qualified missionaries sent to fulfill your missions strategy and see cross-cultural churches planted through your church!

Daily Elevation Prayers - July 4, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 4, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 4, Session 1 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠⁠Session 1 Times: PST – 4:00 AM MDT/CT – 5:00 AM CDT – 6:00 AM EDT – 7:00 AM ADT – 8:00 AM NDT – 9:30 AM WAT/GMT – 12:00 PM EAT – 2:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

Sudo chroot Elevation of Privilege The sudo chroot option can be leveraged by any local user to elevate privileges to root, even if no sudo rules are defined for that user. https://www.stratascale.com/vulnerability-alert-CVE-2025-32463-sudo-chroot Polymorphic ZIP Files A zip file with a corrupt End of Central Directory Record may extract different data depending on the tool used to extract the files. https://hackarcana.com/article/yet-another-zip-trick Cisco Unified Communications Manager Static SSH Credentials Vulnerability A vulnerability in Cisco Unified Communications Manager (Unified CM) and Cisco Unified Communications Manager Session Management Edition (Unified CM SME) could allow an unauthenticated, remote attacker to log in to an affected device using the root account, which has default, static credentials that cannot be changed or deleted. https://sec.cloudapps.cisco.com/security/center/content/CiscoSecurityAdvisory/cisco-sa-cucm-ssh-m4UBdpE7

In this episode, Jen Garrett discusses the critical components of building influence in one's career. Jen emphasizes the importance of visibility, credibility, and brand perception in becoming a trusted voice and leader. She shares personal experiences and strategies for how showing up with intention can create lasting impact and opportunities. Jen also introduces a new two-part solo series titled 'The Influence Factor', aimed at helping listeners build authority that opens doors. The episode ends with an actionable 'Executive Edge Challenge' encouraging listeners to pick one of the three levers to focus on improving. Episode Highlights: 02:57 The Influence Factor: Building Authority 04:07 Visibility: Being Seen Strategically 06:46 Credibility: The Currency of Influence 09:21 Brand Perception: Your Leadership Echo

Daily Elevation Prayers - July 3, Session 3 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠Session 3 Times: PST - 4:00 PM MDT/CT - 5:00 PM CDT - 6:00 PM EDT - 7:00 PM ADT - 8:00 PM NDT - 9:30 PM WAT/GMT - 12:00 AM (Next Day) EAT - 2:00 AM (Next Day)#ElevationPrayers25 #DEP #FerventInSpirit

Daily Elevation Prayers – July 3, Session 2 Theme: Fervent in Spirit (Romans 12:11) Join us every 6 hours via Zoom Meeting ID: 816 5555 2739 | Password: JESUS Link:⁠ https://us02web.zoom.us/j/81655552739?pwd=U1pXaVR4cUpvbFNhSnlXVTJ4UnNqZz09⁠Session 2 Times: PST - 10:00 AM MDT/CT - 11:00 AM CDT - 12:00 PM EDT - 1:00 PM ADT - 2:00 PM NDT - 3:30 PM WAT/GMT - 6:00 PM EAT - 8:00 PM#ElevationPrayers25 #DEP #FerventInSpirit

In this episode, Jen Garrett shares ten powerful career lessons inspired by her own journey. From establishing a personal brand built in quiet moments to chasing critical skills over job titles, and navigating setbacks with a bounce-back mindset, Jen provides actionable insights aimed at helping listeners thrive in their careers. She also emphasizes the importance of clarity, strategic networking, and controlling one's narrative. Jen encourages listeners to implement one of these lessons in their professional lives to gain an edge in their respective fields. Episode Highlights: 03:03 Reflecting on Career Lessons 04:35 Lesson 1: Play Your Own Game 08:54 Lesson 2: Your Brand is Built in Quiet Moments 11:37 Lesson 3: Strategic Networking 13:17 Lesson 4: Get in the Room Before You Have the Title 15:29 Lesson 5: Chase Skills, Not Just Roles 16:47 Lesson 6: Confidence Comes from Clarity 18:23 Lesson 7: Be the Clearest, Not the Loudest 19:37 Lesson 8: Bounce Back Fast 21:29 Lesson 9: Own the Narrative 22:43 Lesson 10: Your Legacy is the Energy You Leave Behind

Listen to weekly sermons from Velocity Church in Lawrence, KS. Velocity is a vision-fueled and faith-filled community changing lives and transforming a city with the message of Jesus. For more information visit www.findvelocity.org