Podcasts about Evergrande

สนับสนุนรายเดือน 149 บาท ผ่านเบอร์โทรศัพท์ คลิก https://www.spokedark.tv/supporter/149/subscribe.html สนับสนุนเราวันละครั้งผ่านกสิกร 0698975539 เติมพลังเราวันละครั้ง จอห์นใส่ เสื้อยืดสกรีนลาย เผด็จการจงพินาศ สั่งซื้อได้ที่ https://spokedark.tv/product/scarf-k-002/ คุณมุกใส่ เสื้อยืดสกรีนลาย ค3 สั่งซื้อได้ที่ https://spokedark.tv/product/ts013/ ปาล์มใส่ เสื้อยืดสกรีนลาย ค4 สั่งซื้อได้ที่ https://spokedark.tv/product/ts014/ หัวข้อข่าววันนี้ • ศาลฎีกา ตัดสิทธิ์ทางการเมือง ช่อ พรรณิการ์ ตลอดชีวิต ห้ามดำรงตำแหน่งทางการเมือง • ปีใหม่ แฟนคลับเพื่อไทย เผย ไม่ได้โพสต์ถึงอมรัตน์ บอกเล่นการเมืองต้องวิจารณ์ได้ • Sunac ยักษ์ใหญ่อสังหาริมทรัพย์อันดับ 3 ในจีน ยื่นล้มละลายแล้ว ตามหลัง Evergrande เพียง 1 เดือน

The Marines Corps says a jet fighter has gone missing after a “mishap” near Charleston, S.C. And shares of defaulted Chinese developer Evergrande dipped sharply after Shenzhen police said they took action against several employees of its wealth-management unit. Keith Collins hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

APAC stocks were mostly lower following last Friday's declines on Wall St and with the region cautious in holiday-thinned trade.Evergrande shares slumped by more than 20% after some of its wealth management employees were detained by Chinese authorities.European equity futures are indicative of a softer open with Euro Stoxx 50 future -0.1% after the cash market closed up 0.4% on Friday.DXY and EUR/USD were contained on 105 and 1.06 handles respectively, antipodeans marginally outperform.US National Security Adviser Sullivan and Chinese Foreign Minister Wang Yi met in Malta over the weekend in a pre-unannounced meetingLooking ahead, highlights include US NAHB Housing Market Index, Bundesbank Monthly Report, remarks from Saudi Arabia's Energy Minister, ECB de Guindos & Panetta.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Las acciones de Evergrande, la mayor promotora inmobiliaria china, se desplomaron ayer en la Bolsa de Hong Kong hasta quedarse en apenas 70 céntimos de euro tras difundirse el arresto de varios empleados acusados de diversas irregularidades. La empresa lleva un par de años metida en infinidad de problemas financieros y hace sólo un mes presentó la quiebra de su filial en Estados Unidos. La crisis de Evergrande no es novedad, hoy muchos la consideran una compañía zombi sostenida solo por la voluntad que el régimen chino tiene en que se mantenga en pie. Pero cuanto más profundiza Evergrande en su propio abismo más problemas van surgiendo para otras promotoras chinas que están hasta el cuello de deudas, promociones sin vender y unas expectativas negras de cara a los próximos años. Todos señalan a la segunda promotora del país, Country Garden, también muy expuesta al estallido de la burbuja inmobiliaria china, como la siguiente en caer. Tan pronto como se supo que lo que queda de Evergrande se había derrumbado en Bolsa, las acciones de Country Garden cayeron a plomo en Hong Kong, una plaza muy dependiente de las inmobiliarias del continente. Los entendidos aseguran que Country Garden es la próxima Evergrande, ambas empresas gigantescas fuertemente endeudadas y con una viabilidad en entredicho. La cotización de Evergrande estuvo suspendida durante buena parte del mes de agosto por su delicada situación financiera. Poco antes se había acogido al capítulo 15 de la ley de quiebras de Estados Unidos para proteger los activos de la compañía radicados en Estados Unidos. Entretanto los directivos de Evergrande se afanaban en reestructurar la sociedad en Hong Kong y las islas Caimán, un territorio británico de ultramar en el Caribe donde se encuentra la sede social de la empresa. Esa reestructuración incluía un plan para reajustar la deuda offshore que a principios de este año superaba los 17.000 millones de euros. Pero su problema principal no es su deuda más allá de las fronteras chinas, sino los pasivos que arrastra en su país, que el año pasado se estimaban en unos 275.000 millones de euros. A finales de 2022 anunció que presentaría un plan de saneamiento, pero no lo hizo empeorando aún más su situación. En julio publicaron las cuentas de los ejercicios de 2021 y 2022, algo que no habían hecho en su momento. Fue entonces cuando se certificó que esta promotora es una máquina de perder dinero. Esos dos años la empresa perdió casi 75.000 millones de euros. La odisea de Evergrande, agravada por casos de corrupción y administración desleal, es el espejo en el que se mira Country Garden, su sucesora en aquel mercado. Si Evergrande naufragó porque gastaba muy por encima de lo que era capaz de ingresar, los problemas de Country Garden se deben a que opera en un mercado que hace no tanto tiempo era boyante y que hoy se ha enfriado. El sector inmobiliario en China ya no es atractivo para los inversores y el apetito para comprar casas entre los chinos se ha enfriado notablemente. La crisis inmobiliaria ya no es una posibilidad, es un hecho con el que tendrá que lidiar el Gobierno chino le guste o no. En La ContraRéplica: - Wegovy y Ozempic - ¿Cómo perder peso de forma efectiva? - Las causas de la obesidad · Canal de Telegram: https://t.me/lacontracronica · “Hispanos. Breve historia de los pueblos de habla hispana”… https://amzn.to/428js1G · “La ContraHistoria de España. Auge, caída y vuelta a empezar de un país en 28 episodios”… https://amzn.to/3kXcZ6i · “Lutero, Calvino y Trento, la Reforma que no fue”… https://amzn.to/3shKOlK · “La ContraHistoria del comunismo”… https://amzn.to/39QP2KE Apoya La Contra en: · Patreon... https://www.patreon.com/diazvillanueva · iVoox... https://www.ivoox.com/podcast-contracronica_sq_f1267769_1.html · Paypal... https://www.paypal.me/diazvillanueva Sígueme en: · Web... https://diazvillanueva.com · Twitter... https://twitter.com/diazvillanueva · Facebook... https://www.facebook.com/fernandodiazvillanueva1/ · Instagram... https://www.instagram.com/diazvillanueva · Linkedin… https://www.linkedin.com/in/fernando-d%C3%ADaz-villanueva-7303865/ · Flickr... https://www.flickr.com/photos/147276463@N05/?/ · Pinterest... https://www.pinterest.com/fernandodiazvillanueva Encuentra mis libros en: · Amazon... https://www.amazon.es/Fernando-Diaz-Villanueva/e/B00J2ASBXM #FernandoDiazVillanueva #countrygarden #china Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

US futures are pointing to a higher open as of 04:05 ET. European equity markets have opened in the negative territory, following weaker levels in Asian markets. Fed Fund Futures now show 99% chance of hold on Wednesday, though attention is on whether there will be another hike and how long rates will remain restrictive. BoE is expected to hike by another 25bps on Thursday, but majority of economists now think it is likely to be peak of its cycle. SNB and Riksbank are on track to increase rates. BOJ will likely hold on Friday although analysts are not ruling out tightening comment on YCC.Companies Mentioned: Liberty Global, Warner Bros Discovery, Blackstone, ITV. Lithia Motors, Pendragon PLC, Evergrande

หุ้นอสังหาจีนทะยานยกแผง Evergrande พุ่ง 70% หลังตลาดคาดรัฐบาลเตรียมออกมาตรการกระตุ้นเพิ่ม รายละเอียดเป็นอย่างไร ส่องนโยบายเศรษฐกิจ ครม. ใหม่ กองทุนเชื่อมั่นแค่ไหน พูดคุยกับ บดินทร์ พุทธอินทร์ ผู้อำนวยการฝ่ายกลยุทธ์การลงทุน บลจ.อีสท์สปริง (ประเทศไทย)

Three news stories summarized & contextualized by analytic journalist Colin Wright.ASEAN leaders to meet in Jakarta for regional summit, amid tensions over new Chinese mapSummary: Representatives from the ASEAN group of Southeast Asian nations kicked-off their annual summit in Jakarta yesterday, the meeting focusing on a range of issues related to Myanmar's ongoing civil crisis and general economic concerns, but much of the conversation so far has been focused on China's new official national map which claims sovereignty over a bunch of territory that other nations also claim as their own.Context: The offended parties are many are varied, ranging from India, which shares a border with China, both nations claiming territories along that border and at times fatally fighting over them, to the Philippines, which claims islands in the South China Sea that China also claims, to Chinese ally Russia, which is has expressed irritation over China claiming an island along their shared border that the Chinese and Russian governments agreed nearly 20 years ago to split; pretty much every country that shares a border with China has something to be upset about on this new map, though, which the Chinese government says it released in order to correct issues with other, existing regional maps; the degree to which this will further unify other Southeast Asian nations against China has yet to be seen, but it's unlikely to help ease any of those tensions.—The Straits TimesOne Sentence News is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.Kim Jong-un and Putin plan to meet in Russia to discuss weaponsSummary: The leader of North Korea, Kim Jong-un, is planning to visit with Russian President Putin in Russia sometime later this month, reportedly to discuss the former providing the latter with weapons for its ongoing invasion of Ukraine.Context: This is notable in part because Kim Jong-un doesn't leave North Korea very often, and in part because it reinforces suspicions that Russia is having trouble keeping its troops equipped for what's become a fairly attritional, grinding sort of combat in Ukraine; the US and other Western nations have been trying to dissuade countries like North Korea and China from providing arms to Russia, but these attempts have gone about as well as you would expect, so far—though in a few cases the declassification of intelligence about the logistics of these transfers seems to have slowed these sorts of transactions.—The New York TimesChina's Country Garden buys time to repay debt—but not longSummary: The largest real estate company still standing following a wave of collapses and bankruptcies in China, Country Garden, has received approval from its investors to extend the maturity date on some of its bonds by three years, which will give it more time to pay off that particular debt (which was originally due Monday alongside a far smaller interest payment, which it paid), though it still has another big debt to pay later this week, which has been describe as “make or break.”Context: The Chinese real estate sector has been responsible for about a third of the country's economic growth over the past few decades, but real estate purchases have slumped and companies have gone under at a worrying pace, leaving buyers without finished homes and investors without their hoped-for profits; Evergrande was perhaps the largest and most well-known of the previously high-flying Chinese real estate companies to go under in the past year or so, but Country Garden is also being closely watched, as there's a chance it can recalibrate its accounts and get back on its feet, but it's also in a pretty bad spot monetarily, with a lot of debt to service, so these moves might help it stabilize, but might also represent the death throes of yet another Chinese real estate giant.—The Wall Street JournalSpotify spent more than $1 billion on podcasting industry acquisitions (shows by famous people, exclusive rights to Joe Rogan's show, pod tech companies) over the past handful of years, but that investment doesn't seem to have paid off, and in fact may represent a huge hole in the company's profits; US podcasting revenue (overall) is expected to increase 25% from 2022 numbers in 2023, up to about $2.3 billion, and is looking like it will more than double by 2025, but the size of the market is still too small for a billion-dollar bet to make sense according to many analysts, which is why Spotify is now floundering in this regard, despite holding some of the industry's most desirable properties.—The Wall Street Journal7nmScale of the semiconductor found in Huawei's new Mate 60 Pro smartphone.The chip—called the Kirin 9000s—was fabricated by SMIC, a Chinese company that was thought to be incapable of producing chips of this scale and sophistication, raising concerns that the US's sanctions on chip-related technologies to China may not be working as intended (though some analysts have said this means the sanctions are porous, but not pointless).—BloombergTrust Click Get full access to One Sentence News at onesentencenews.substack.com/subscribe

The world potentially has a huge economic crisis on the horizon. Its cause is China's real estate sector. You must have heard that Evergrande, one of China's largest real estate companies, with $340B in debt, has filed for Chapter 15 bankruptcy in the U.S. Another prominent property developer, Country Garden, has just warned investors of bankruptcy, with 43% of its debt coming due in the next 12 months. These challenges are more expansive than just the real estate sector in China. If you dig deep, you'll see an intertwined web of problems and interdependencies across China and the world. This can be a considerable risk to individual investors even without direct investment in Chinese companies. In this episode, I'll explain what's happening in China's real estate sector and how it can threaten our portfolios. I'll wrap up with ideas to protect ourselves against such risks. Resources:

No Morning Call de hoje, Henrique Esteter destaca a abertura positiva dos índices futuros, com o número tão esperado das últimas semanas sendo divulgado hoje: PAYROLL! O petróleo bate US$ 88, enquanto o minério de ferro avança modestamente. Dentre os principais destaques: (i) CPI da Americanas: relatório aponta fraude de diretoria; (ii) Evergrande enfrenta 1,9 mil processos que envolvem US$ 60 bilhões; (iii) AliExpress ganha aval para isenção de imposto em compras on-line de até US$ 50.

This week on the Caixin-Sinica Business Brief: Beijing launches a sweeping policy package to rescue the property market, China extends income tax breaks for foreigners, AI specialist SenseTime is laying off more workers after another year of red ink, and Evergrande delays offshore debt restructuring votes at last minute. Plus, Zhang Yukun joins for a deep-dive into the woes of property giant Country Garden. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What will BRICS expansion mean for the United States?  Is your pension paying for China's aircraft carriers?  How did China spend four years conducting an influence campaign on the biggest social media platforms before they were caught? Why do Republican voters think Donald Trump has the best chance at beating Joe Biden in 2024? Join our host, Ron Steslow, as he explores the latest political news with this week's guests: Mike Madrid (Lincoln Project cofounder) and Hagar Chemali (Former spokesperson for the U.S. Mission to the UN). Segments to look forward to: (02:44) The BRICS Summit and expansion (08:01) Breaking down the biggest news about the U.S. China Relationship  (12:44) China's real estate market crisis  (22:40) Is your pension fueling the Chinese military and surveillance state?  (35:30) Meta executes its largest ever removal of accounts linked to a four-year-long Chinese influence campaign  (:50) Why Republicans Don't want to be saved by Donald Trump  [Politicology+] How Artificial Intelligence will shape our elections and be a tool for bad actors on the world stage. Politicology+ is our private, ad-free version of this podcast, with subscriber-only episodes, strategy, and analysis. To join us there, visit politicology.com/plus or subscribe in Apple Podcasts. Follow this week's panel on Twitter: https://twitter.com/RonSteslow https://twitter.com/madrid_mike https://twitter.com/HagarChemali You should check out Oh My World on YouTube: https://www.youtube.com/c/ohmyworldwithhagarchemali Related reading: Segment 1:  CBS News—The 4 biggest moments from this week's BRICS summit — and why they matter - CBS News CNN—BRICS expansion is a big win for China. But can it really work as a counterweight to the West? | CNN CNN—China's Xi unexpectedly skipped a key BRICS event. No one is saying why CNBC—China's property giant Evergrande files for bankruptcy protection in Manhattan court WP—Opinion | Rep. Mike Gallagher: U.S. investment in problematic Chinese companies has to stop - The Washington Post NYT—Meta's ‘Biggest Single Takedown' Removes Chinese Influence Campaign - The New York Times SCMP—Republican candidates talk ‘tough on China' as Trump skips first debate Segment 2:  NYT—The Thing Is, Most Republicans Really Like Trump - The New York Times Jonathan Last—Joe the Plumber and Partisan Schadenfreude The Atlantic—The Fourteenth Amendment Fantasy Learn more about your ad choices. Visit megaphone.fm/adchoices

Wes and David are joined by Jamiel to keep the rationalist community informed about what's going on outside of the rationalist communitySupport us on Substack!News discussed:Prighozin, Utkin, and more or less all Wagner head honchos dead after a Wagner-owned private plane was shot downChinese real-estate company Evergrande files for bankruptcy… in US court.Fourth (and final?) Trump indictment!Abortion is illegal in South Carolina againDoJ files charges against Elon Musk for illegal discrimination against refugees, despite this making no senseFifth Circuit upheld Mifepriston ban, but stayed order pending SCOTUS reviewHappy News!Meta has developed an open source GitHub Copilot competitorNew startup Rainmaker wants to make it rainIntuitive Machines' lunar lander slated to launch on a SpaceX Falcon 9 on 15 November.Quantum superchemistry. What is it? Why is it cool? Idk, but sounds super cool!AI (the kind Eneasz wants to stop) used to allow ALS patients to communicate at 80 WPM using brain interfaceTech investors are trying to make a new city in an otherwise-empty part of SFBAGot something to say? Come chat with us on the Bayesian Conspiracy Discord or email us at themindkillerpodcast@gmail.com. Say something smart and we'll mention you on the next show!Follow us!RSS: http://feeds.feedburner.com/themindkillerGoogle: https://play.google.com/music/listen#/ps/Iqs7r7t6cdxw465zdulvwikhekmPocket Casts: https://pca.st/vvcmifu6 Stitcher: https://www.stitcher.com/podcast/the-mind-killer Apple: Intro/outro music: On Sale by Golden Duck Orchestra This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit mindkiller.substack.com/subscribe

durée : 00:35:06 - France Culture va plus loin (l'Invité(e) des Matins) - par : Guillaume Erner - Ce 28 août, le géant immobilier chinois Evergrande a connu une chute de 87% à la bourse de Hong-Kong, après une suspension de 17 mois. La crise immobilière qui touche aujourd'hui la Chine a des conséquences sur sa croissance et commence à inquiéter les acteurs économiques mondiaux. - invités : Agatha Kratz Rédactrice en chef de China Analysis, spécialiste de l'économie chinoise; Sébastien Jean Professeur d'économie au Conservatoire National des Arts et Métiers (CNAM)

Market Proof Marketing · Ep 300: Good Content Looks EffortlessIn this episode, Kevin Oakly, Andrew Peek and Julie Jarnagin are joined by a surprise guest, Karla Tuten! The team celebrates the 300th episode by keeping it casual. Karla gives a deep dive into visual marketing and offers tips for builder content, especially for those who don't know where to start. They discuss the challenges of creating good content that contains real facts, real data and is packaged well graphically. Good content looks effortless, but takes a lot of effort. Story Time (05:58)Andrew is worn out from the Market Proof Academy and, once again, wishes for one more day.Julie's mom is trying to buy a car but feels like the car salesmen should be trying harder to sell their cars to her. No one is following up or reaching out. Kevin says creating stuff is tough sometimes.News (35:55)Mortgage rates could hit 8%, economists say, citing a worrying sign not seen since the Great Recession (https://www.marketwatch.com/story/mortgage-rates-could-hit-8-economists-say-citing-a-worrying-sign-not-seen-since-the-great-recession-edf2b4a4)Don't Discount the Merits of a Friction-full Transaction (https://crystal.geekestate.com/dont-discount-the-merits-of-a-friction-full-transaction-newsletter-263/)China Evergrande, Giant Real Estate Firm, Files for U.S. Bankruptcy (https://www.nytimes.com/2023/08/17/business/china-evergrande-bankruptcy.html)First-time homeownership surges: Half of all home buyers are making their first purchase (https://zillow.mediaroom.com/2023-08-23-First-time-homeownership-surges-Half-of-all-home-buyers-are-making-their-first-purchase)Favorites/Hates (53:27)Andrew is hating his boom stand because it keeps sliding downJulie is loving "Homework Helpers" for help on her sons homework.Kevin is enjoying his app "Sunshine Birthdays"Check out Kevin's NAHB Webinar on Navigating the 5 Phases of a Market Correction! Questions? Comments? Email show@doyouconvert.com or call 404-369-2595 and we'll address them on the next episode. More insights, discussions, and opportunities can be found at Do You Convert All Access or on the Market Proof Marketing Facebook group.Subscribe on iTunesFollow on SpotifyListen On StitcherA weekly new home marketing podcast for home builders and developers. Each week Kevin Oakley, Andrew Peek, Jackie Lipinski, Julie Jarnagin, and other team members from Do You Convert will break down the headlines, share best practices and stories from the front line, and perform a deep dive on a relevant marketing topic. We're here to help you – not to sell you!Transcript:I'm just starting this slide, this misunderstanding, disagreement. I don't know what it is, but Andrew says, and I don't. You don't want to make anyone mad. Labor Day isn't his favorite holiday, but it's.AndrewBecause I have nothing against it.Kevinis it because its a Holiday or because there's...?AndrewNo no, I think there's other holidays I need to list before it. I guess I'm getting called out here a list of like I think there's other shut everything down worthy holidays that are not fully shut down for everyone. It's like that's a bank holiday only. I'm like, well, that should.KevinBe arguing for more days off generally.AndrewRight? Like, that's like a mixed day. Like sometimes it's like, are banks closed? Not closed. I don't know. Schools are still and sometimes that one should just be Everything's done. I'll swap Labor Day for him. Okay. If we're to pick like, all right, there's eight holidays where everything's shut down. Christmas, July 4th, Memorial Day, whatever the other ones are.AndrewThanksgiving.KevinI figured it was just because, like, something that the weather in Florida wasn't working. Oh, it's still hot.AndrewAnd we just started school, like, three weeks ago, so it's like a month in a school. So it's like, do we need a holiday?JulieI don't know. Yeah, like something.AndrewLate September.JulieThat end of summer real. I mean, that's how some people think of it, right? Like the polls close on Labor Day. But here too, it's still so hot.AndrewYeah. Mhm. I think so.KevinI just we had a we had a little typhoon here in Columbus, Ohio.AndrewOh.KevinLast night I kind of felt like what, Because, you know, Julia lives in Louisiana.AndrewShe gets it all.AndrewI have pretend hurricanes.KevinBut there's this thing called a heat dome. How is it that every like three years they come up with some new term.AndrewThey get me the clicks, heat dome. I like it. And we Google that there.KevinThere's a heat dome over over the Midwest and not the edge of the heat dome if you turn on the radar. And it was just this weird. It looked like just someone poured water out of a pitcher and it was just rolling straight from the corner of Michigan, straight down central Ohio. And it just kept coming. And it was like 7 hours of lightning, strong wind and just a ton of rain.JulieOh, wild.KevinLike, do I have to move? I mean, I Anyway, it was a good time.AndrewI just Google it. Yeah. Interesting. AP all about this. Hmm. And pumpkin spice lattes just came out today. It's related to the heat dome.KevinWe had this conversation on one episode. Yeah, there's a new pumpkin drink. What is it? It's another cold drink called chai something pumpkin. So now you have three pumpkin options at Starbucks.AndrewThat's a lot.JulieYeah. I don't do the pumpkin drinks.AndrewThat's a lot of, like, pumpkin pie, spice, flavors all in one.KevinThis is to my favorite section, but ever since I got to spin coffee machine, I just don't. I do not desire Starbucks or like coffee out in the same way.AndrewDo you like iced coffees? I feel like you can't beat iced from Starbucks any like I have not been. You can.KevinDo it. You can do cold brew. You can do nitro drip cold, whatever. Like it just says put ice in your cup and it cleans out the hot water. Puts in cold water.AndrewYeah, we're all gonna all.JulieBe inside out. And Olivia said she's literally drinking the pumpkin chai right now. So she's like, Oh, there you go, pumpkin chai on trend.KevinIs it good? I feel like it would be because chai is kind of a.AndrewI like chai. Yeah, 30 Chai. If I've had that chai with the espresso, it's amazing. We hear it's amazing. Like The Wizard of Oz back there helping to steal that.KevinMy favorite from my time in Nepal is Milk Coffee, which is, I think goat milk. Oh, no water and instant like instant crystals.AndrewWeird. Sounds like it's like that.KevinAnd they're not the best milk coffee. Experience my life. All right, let's get started.AndrewThere's the goat. Yep.KevinWell, welcome to episode 300. I'm Kevin Oakley. And with me today is Andrew Peek and Julie's aunt again.JulieMe? Oh.AndrewWho knew we'd be doing this 300 episodes later?JulieThat's impressive. That's crazy exciting. I have.KevinI thought we make this our last one. Let's just end it right. Fine.AndrewI'm fine with that grand.KevinValley.AndrewThree. I want to be something new.JulieThat's on market this year to make it really good, though, so.KevinOh, you know what we should do? Because this is what cracks me up when people do like season six episode one, it's like, just start. Like, I don't know why there's so much conscious thought put into that, but we should just. How about season two begins with a sincere one. We'll start with the season two episode one. Let's just start over because it's going to get obnoxious when we get to, you know, we got to figure out something else, Olivia Because when we get to episode 1200, it's just, it's too many things to say.AndrewYeah, we can have different.KevinEpisode 1234.AndrewThousand. It's now 2028 time right now. Oh, gosh, that's a long time.KevinOh, man. So the other thing that we're just going to keep talking about her like she's here with us, our producer, Olivia, is like, you know, we really do need to do live episodes of the podcast. So, okay, I think we decided on once a quarter, she's checking the calendar, but we will you'll hear about it that way.KevinYou can all join in, ask your questions, but they'll be fun. Fun time. Yeah. Maybe we can maybe pull people in for live Q&A or some live storytime we'd have to have like the voice and the voice.AndrewChanger.KevinAnd zoom. That just makes you look like there's got to be the person in hiding and like, a in voice changer. I sorry time about this traffic that. Yeah.KevinOh, all right.AndrewStory is good for that speaking. Sorry time was up first. I got one. I didn't write it down. Yeah, I got one. Yeah, we had the academy last week, so that was. That was amazing. Taking through. Jeez, 11, 12 people. Tuesday, Wednesday, Thursday. What's that like 12 hours of instruction? It wears me out like, Oh, my. And I'm.AndrewI'm doing half of it with Sarah. And what's, what's fun is over time, this is like inside knowledge over time. It's like, okay, you take that segment, I would take a break for a little bit. Like I just can't like, look at like at Zoom nice and pleasant for this long and I need to go camera off for like, for a little bit, get a little snack, refill my coffee, whatnot.AndrewSo, you know, each one, it just changes and changes. And we Sarah and I meet afterwards every single time. Like, what can we do better? What can we do better? And every single time I'm just like, man, I want another day, which is like torture for everybody. Like, it's already four days. Andrew What is wrong with you? But there's just so much you can just keep going and going.AndrewI wish there was some way this. I'm just really open talking right now. We teach the definitions. We teach knowledge, the foundational things. All these things are super important thing. It's the analysis. And that is the most difficult part for everybody. And teaching, I don't there's we could teach it, but it's just so much just like experience. You just need the reps near the reps and the reps are what's Malcolm Gladwell 10000 hours.AndrewYou need your thousand hours and an analysis. You need your next 1000. They need your next 1000. Time to get to ten. You're like, Oh, okay, this is fairly comfortable, but just getting over the hurdle even to like you spent 200 hours in analytics trying to solve a problem, not just like poking around in there. I wish there's a way to expedite that for people, but there's just there's not no.KevinI don't think you want one. I mean, we've had lots of folks that are good intentioned and they're like, Kevin, we should just take this whole market, provide rhythm, and just have it spit out the answer.AndrewLike an app.KevinOr give us, you know, even internally had a conversation where some people here were like, we just want a number to tell people for this thing of like, this is the goal. I was like, I mean, it doesn't really I, I know this is a well overplayed expression, which I think that reminds me, Olivia, next time I'm on the podcast, I want to have a whole section about things we never need to say again in our industry, that that's just I'm, I keep hearing the same.KevinLike those were analogies and examples to use 12 years ago. Are we still talking about the same thing?AndrewBut I don't know.KevinThe last one is in play. Chess. You do not want to. If you are a great chess player, you there should be no reason that you want to dumbed down the rules of the game to get back to checkers when you are a grandmaster at chess now you do have to be able to. And if you're a true grandmaster, you should be able to teach someone the basic rules and fundamentals of chess without losing your mind, screaming or pouting like a child.KevinOkay, So that's that's I think, part of it.AndrewThat's fair.KevinBut holy cow, what is this drive to get everything so really simplified? So I'm using the chess analogy because I think this is what I mean. I'm on Chess.com if you want to sign up and play me, I'll do it. But just know that I'm in the middle of probably parenting one of my four children and I will mess up.KevinSo excuse a great chess player yet, but thinking moves ahead, right? The more moves you can think ahead, the better. And how I view the analysis problem is that people look at it and go, I just want the answer. And again, there's all sorts of reasons why that's.AndrewLike the final move out. The final move. I don't care how we get there.KevinBut I think they do sometimes and this is on on me and all of us to do a better job teaching and training. They look at what someone who's thinking eight moves ahead and by I don't mean moves, I mean layers. Okay. To go away from the analogy of chess back to the actual thing we're doing here of there is the data and that in itself, let's just say, encompasses three or four layers of analysis, potential analysis.KevinAnd there's always more than one potential. There's one potential. There's at least one true problem or issue. And each of those has no more than three possible reasons why there could be more than one true issue. And then that that, you know, extrapolates. But even beyond that, then you have to start talking, thinking about like, okay, well then let's layer over our company culture and then let's lay over how this sales manager thinks or how that salesperson acts or the usage or non usage of the CRM or the market and the competition and, and, and, and certainly the more layers you have to your point innately, most of it just requires repetition and experience becauseKevinotherwise you just find yourself going through layers one through four and you're like, I got the answer, I'm done. And then I'm almost I'm almost done with this diatribe. You go and present. Let's say you feel really confident that you analyze those three or four layers well and you go into a meeting, you go up to your boss or the sales manager, like, here's what, And then they hit you with the one thing you didn't think of.KevinAnd you're like, Oh, and you know, the Jenga pile just crumbles. I think I think there's just that aspect of and that's why we always talk about use humility with this stuff. It is not the data says X, therefore it must be X, It's hey, this is what it looks like. But is there something we're missing here? Is there something that we don't know but that's going on with this person personally or is there something with the land deal that requires us to be acting in this way because we have to perform in a certain, you know, Anyway, I just I love the fact that you brought that up.KevinI think it's a whole other.AndrewThat exactly what was fun was it's.KevinAlmost like you should talk about that at.AndrewThe.KevinSummit.AndrewAnd so like food. So let's talk about food. Beth So one thing we did different with this academy is usually it is Sarah and I, 95% of it. And then I add to Kevin's calendar like 6 hours before it starts, like, Hey, Kevin, I want you to talk about this. And Kevin hops on and does some inspirational talking like, Hey, what's the role of marketing?AndrewLike, No, no, no. And what's fun is no one gets that answer correct at the beginning. It's day one unless.KevinThey've heard it before.AndrewThat is true. Unless they've heard it before it. The second day, I'm like, Oh, let's have a coach on. Julie, you're our next victim. And in November, by the way, get her some notice. Beth hopped on and she she did a very similar analogy, Kevin, where she talked about onions. And so, like if you're day one or we had some people that there like month three on the job, they can only go to the first layer in the onion.AndrewMeanwhile, we're over here kind of talking and then just like visualizing and thinking like we know there's like 12 layers to this thing. We also know there's old onions we need to think about and there's future. And we're like all excuse me, all over the place with it. So the Onion analogy, I'm like, Oh, that's good. There might be tears too, as you learn more and more Onion feels that has me like, Oh, I'm embarrassed.AndrewI didn't know that. Or like, I feel like an idiot. But over time, like you didn't.KevinRealize that it's just more such a nerd. And then we just had a special guest pop on, which this is a.AndrewSurprise party.KevinAnd you never need an invitation. Don't don't give away who yet, but as a kid, I remember watching Lawrence of Arabia, which is a way too long movie in an old theater. My parents made me go I think I was seven, the only scene from that. And I think it's three and a half hours long and has two different intermissions or whatever.KevinThere's one scene where Lawrence of Arabia puts out a candle with his fingertips and the guy looks at him and says, Holy cow, what's the trick to doing that? Because because it looks like there's a trick, because it doesn't cause him any pain. He doesn't like his fingers. He just pushes it and he goes, The trick is making it look like it doesn't hurt.KevinAnd I just think like that's we've talked about this many of our ways, the confidence aspect. In fact, what do we say on I call it it's either it's either lack of confidence or lack of competence. So some good alliteration there. But it goes back to repetition, repetition, repetition. Hey, Carla, Welcome.JulieHi, I'm.AndrewFriend.KarlaGood. What are you doing?KevinOh, we're just recording a podcast. And Carlos, our creative director. And do you convert? For those of you who may be under a rock, she's taking names and changing lives all over the industry. What's what's the what's going on right now? Carla, What's. What do you. What are you doing? What's keeping you busy these days?KarlaI'm busy all the time. I feel like the last time I was on here was back in January, so I decided to crash a party.AndrewIt's been a while.KarlaIt has been a while. But I do slack, y'all. Y you're always recording. You can't talk. I'm recording. I'm like, Okay, well, um, I don't know. It's funny how there's always, like, these weird trends. At the beginning of the year, it was very heavy. Like, but everyone wanted to redo their collateral and refresh it. And then we went into like a signage program.KevinYeah, I was going to say signage would be my guess, the next one. And by the way, isn't it interesting that if you heard someone talk about like hearing these trends like we do on, on this podcast, you'd be like, does that really happen? Or and then you go do it yourself and you're like, There's something in the water or the air or like, there's this behind the scenes network of Let's all talk about signage.KevinIt comes in waves for sure.KarlaIt's really weird. And then the other last month had a bunch of, you know, probably like five different calls, different builders around the country, and they're all talking about like their sales office. And I'm like, what is going on? How is everyone wanting to now look into like their interior signage mission is bizarre. And then I was in book a book booklet land for a while, like maybe.KevinLike real paper things.KarlaPrint I've done. So print booklets that took up my time for the.KevinLike.KarlaI don't.KevinMean like checks notes or checks calendar what year we live in, but, you know, Yeah.JulieYeah, there's a lot of that. I didn't expect it like collateral you expect but like long booklets, 20 pages.KevinBecause you could or could not print the collateral. It's like how it's displayed. Yeah. Took them off, you know, printed. Yeah.KarlaThey want like hard copies. Interesting. So that doesn't sound cheap. It doesn't. It sounds like something else. It's not that sounds. But I am sort of buying the booklets.AndrewYeah, that would be pricey.KevinIs there something that you've been doing this now, like you said, for a little while? I mean, you've been doing it a long time, but doing it with with us. Is there a we were just talking about like the the trend of analysis being hard outside of what people are actually asking you to do. Is there something that you find yourself having to explain or re-explain or.KarlaYeah.KevinRe-explain again, as a concept that you just want to kind of toss out again here?KarlaProbably you have to think about, here's one, I'll talk about it because it's about collateral. And so usually when we start with that, I'm kind of like, give me everything that you have because you probably haven't touched it. And what typically happens, it comes off as a these ideas part from sales and marketing, and they get tagged onto the collateral package as these one off pieces.KarlaSo I'm like, Hey, let's go ahead and take a look at this is yet another foot view. And more often than not, they have a billion pieces. That's evergreen material. And I'm like, Why don't you think about making this a better experience instead of someone having a bunch of one pictures? So I would always say, take a step back, think about the experience, what you're giving these people.KarlaAre you burying them in tons of copy and things they may not want to read? And is there a better way to display that? Should we make it into a book? Should we? That is even important. Do you want to cut some of this out? That's typically what we're talking about when we talk about like looking at all their stuff.KevinMm hmm.KarlaIt's very easy, I think, for people to just. Oh, this is a good idea. Element is I don't a piece of paper on a word document and they always don't think about how it looks or how it's saved or how much stuff people are gathering.KevinYeah, a quick, quick poll on material or files. Generally, I'm not going to answer until the end because. But don't you think that or do I already led the witness? Sorry. Shouldn't every document that could be potentially sent or accessed or shared have some general repository that is accessible? Like like nobody home didn't start out doing this, but they found that people were like, I have all these documents that I send people maybe post-purchase or pre-purchase.KevinAnd there is no place on their website. They just how's everything even like you think about docs? So like, why is that hard to find for nonexistent on a builder site?KarlaThat would be nice to have.KevinThat's right.KarlaResource library.AndrewThat'd be that'll be great. Especially HRA stuff is interesting. I mean at least our experiences, we changed each way. Management companies like four times before, it was like our control, but it was like with it was still with the builder. So we're like, Who's in charge here? Who's in charge as homeowners do you blame? I mean, everything is always the builders fault, like always.AndrewThat's just made us, even though it's the way management company's fault, because you chose that terrible company, the builder, and so everything is the builder.KevinSo just make it easy for that saying I'm not suggesting it should be like front and center underneath our image or whatever it be for us. We just had a archway section, so we had it. We had a document library or a overall, I think we just called it Media Library and it had like any photo you might see on a community page would also be accessible in this Keystone Homes ish for those of us.KevinLike, it's like all of our pictures are here is searchable by everything, but also they're on the individual pages that are relevant to them. Same with videos and documents. And so we didn't even have a link on the community page to the docs because that might be distracting or confusing. Yeah, but certainly any time someone would ask, can I get a copy of my HRA docs that then the online sales person or salesperson who would then train the customer.KevinActually, there's this library over here and you can access anything that we have or need need to get to and it's grouped and searchable and all the rest anyway. And just when you were talking about like how separated each piece kind of is, instead of thought of in a cohesive manner. Manner. Yeah, it made me think about.KarlaThe only thing I would say that I've experience with something like that. Well, it just comes up in collateral information in general. Is that I think some teams can be lazy because someone has to keep up with the information being up to date. And so if you take the time to like make sure you have a good organization in place, like a good file, good filing, and like, you know, what's more up to date.KarlaYeah, good nomenclature. You make sure everything is what it's supposed to say, then I think it's definitely doable. But I think people just sometimes just, you know, maybe not able to. Yeah, it's a big thing to kind.KevinOf we got at that pushback all the time at Heartland and that was my that was my reason for wanting it to be out there in the wild is I just found that if it wasn't accessible by the customer, things never got updated or there were four copies going around. But once there was like, No, no, you know, some yeah, maybe someone has a document that's out of date.KevinYou have to make sure everything's dated and, and like last updated and the corner. But it was like, yeah, that document's incorrect, but I'd rather we know that and then we fix it versus having no visibility or people handing out something that's five years old that has four updates and they still have copies somewhere else saved locally, or just like, Nope, the truth is there for the customer.KevinSo that's the impetus to always make sure as it's correct, just like pricing.AndrewYeah, it doesn't create a problem which exposes what was already there.KevinShines a light on it. Yeah, yeah, yeah. Cool. Well, Karla, thanks for hopping on. Yeah, Bye. Any time. I love. I love just the mean. Yeah, It's like you work here.KarlaIt is Like I want to keep it creative cave and create a cave.AndrewWith your plan.KarlaThe next.KevinTime. Bring some next time. Since this is now a video show as well. Next time, I want you to bring some like, show and tell us something.AndrewYeah, there they go.KevinBy the way, if you don't follow girl on Instagram, you should, because that's when you get some additional exposure to like show and tell.KarlaOh, yes, I'm very quiet about it. Anyway, you'll have a good afternoon. Bye.KevinThis is episode 300. You made it.AndrewYeah, 303.KevinI'm like the biggest episode zero yet. Yeah.JulieThat's the best. All right, y'all have a good one. This is fair to say, Julie.KevinStory time.JulieSo I am watching my mom shop for a car, and it's been very entertaining. And the last thing I heard her say was that she was annoyed because she wanted somebody to beg her to buy a car and they were not begging her. So what happened is she had reached out to somebody about a car and they had never emailed or called her back.JulieAnd I know we always feel or hear people saying, Oh, I don't want to bug people. Well, she's annoyed because she wants to feel like they're begging her to buy a car. And then the other thing that's been funny is she's gone out to a few lots and of course, there's not a lot of cars. You know, still, there's issues with like actually having cars there.JulieAnd she's not being super picky. She kind of knows what she want. She wants three rows and she wants a new car and there's only a brand or two that she doesn't like, but she's pretty open. But I think Kevin and I have had multiple conversations in the last week or two about the messaging of like, we have homes because there are people who are moving that need a home and we have finished inventory.JulieAnd those people need to know we have finished inventory. So it's again, it's the same thing with her. If there was a car dealership out there, you know, that would tell her, we have this many cars that you can choose from. Right now we have this many SUVs or whatever it is. Yeah, that's the messaging she needs. And she also needs the messaging of like, we want you here.JulieLike, she feels like people aren't trying to get her to come out and aren't calling her back. So it's just been a fun process to watch with with what we do.KevinIt's really interesting because my wife's birthday was on Tuesday and she likes Cheesecake Factory because there's all kinds of options and we were going to have my parents come as well. So there's a table of eight, and at least here, the Cheesecake Factory is still cool in central Ohio. So most time you got a long wait. And I think you're talking about cars, which typically is a reference point of like, why can't homebuilders do things like car dealers do historically, like be more responsive, but now they're changing.KevinAnd my point is, whether it's Cheesecake Factory or Toyota. As a consumer, you are trained by all of your interactions with all the companies. You do what to expect or to assume. And so it's it's interesting how that dynamic does shift because typically it's like like my kids are like, you don't want to go to Cheesecake Factory. You got to wait for 2 hours and then it's going to take forever to cook because there's so many different options on the menu.KevinBut I really want to go there. So we pull it up and on the front page it's like make a reservation. Like we've never been able to make a reservation at Cheesecake Factory ever. And then it says Only up to table Party of six. And I'm like, up, see, they got us because we need eight. But then there's like, you could tell that it had been designed to say parties of six and under but then someone to just add a line of text that said but if you have a bigger party and it's on a non busy day or time, we'll try to work with you.KevinAnd it's like, why did that have to be there? It's because the dynamics have shifted. And so there is this point in time where we stopped eating out altogether because it was just always a pain, always busy, always short staffed, and now they're like, Oh yeah, no problem. Come on in at 530, 6:00 on a Tuesday night.AndrewWith a.KevinTable of eight reserved. And so it's that training and that's why we've had these conversations. Julie, of, you know, that concern about having like six homes available in a community and not looking bad or desperate that that might not be true anymore. We don't know someone might look at that six available in a single community and be like oh thank God I can actually maybe get one of them.KevinIs the use on market is still so difficult in most parts of the country.JulieYeah, yeah.AndrewWhat's interesting, Julie, is that sounds like the most amazing car shopping experience ever. Them not hounding you like it's a dream for me and you want to be like, Mom, you're not trying to date this person. Like what? Despite you want that car right there. But if they don't call you, you're not going to buy it. Like, I don't feel like that.KevinBy saying beg in quotes. Like my dad had the same experience. He just shop for a car. He would go to a Lexus dealership and they'd be like, Oh, we don't you know, you couldn't even talk to a salesperson. You had to talk to the receptionist because they didn't want you to feel like you were busy. And then the guy would show up and he's like, Oh, sorry, I can't get any of the keys to test drive anything.KevinIt's locked in a safe. Can you come back some other day? And they never call. That's just like, Here's my card. You follow up with me when you want to come back out. Like it's. It's this complete lack of any customer experience.JulieYeah, that's. She's like, it's one of those experiences where it's like, I want to give you money. Like I have money to give you to buy a car and nobody acts like they want to help me with this, you know? So I think it's just frustrating for her that nobody is taking her. And so if she comes out and she's like, This is what I'm looking for.JulieAnd they're just like, now, you know, I think it's just she doesn't feel like anybody is there to help her through the process and she's getting frustrated with it.AndrewMake you want to go Tesla and just like next next next next $500 deposit that shows up in a month done.KevinRight.AndrewYeah no people.KevinStill well it is an argument for a really good self service but it always comes back to the complexity of the purchase, the fear of making a wrong decision, and the number of options that home builders have. Make self service, generally speaking, not the same experience. And I always go back to like, yeah, there's so many different apps that say design your own home with this fun, you know, architectural app and it's easy as one, two, three.KevinYou look at the and then you try to like design anything and it just keeps saying error error like why can't I put that window there? I don't know. It just won't let me. It's just not as intuitive still as an opening.JulieEspecially for her. This would not work for her. She's over 70. I know some people over 70 would love it, but not her specifically.AndrewNo.KevinYeah.AndrewI would love it.KevinMy story time is just about the first part anyway, is how difficult it is to create something. Andrew and I were talking about this too, because, you know, he's creating new content. He and Sarah are also making new content for the market proof of Academy. And I was asked by NAHB to do a webinar and around a topic that I wrote for Builder magazine about.KevinSo I like I have the content I know like it's my own story in a way of my experience with Hartland of navigating a downturn market and what we did and how we did. I wrote this 1100 word article already and yet to sit down and craft from a blank set of PowerPoint slides, which I don't even love, really using slides in the same way as most people anyway.KevinBut it was just I had this experience when I was done with it of am I getting it like I'm not too old for this, I'm not giving up. But there is is like for 10 minutes afterwards, I was just so mentally exhausted from putting in the effort of building what ended up being like a 38 page presentation from nothing that I was just like, I'm too old for this.KevinLike, this is a young person's game making content and this is just hard. And that's, that's I think why people love the idea of I help and prompting and the rest. But anyway, I just shout out to anyone who ever makes anything. And Julie just wrote a book, but like creating something, especially when it's a combination of factual data and opinion and storytelling and, and, and who that's just tough.KevinIt's it's really, really tough. Now, the payoff was, was awesome because we ended up having I think over 450 people ended up registering put a link in the shots because they said, though as soon as it's posted on their website, we'll be able to put a link in for people to watch the replay as well. A lot of good questions, really good interactions, good time, but man is.KevinBut then there's the podcast, which is the opposite, and it's like this is the easiest thing ever. I look at the show notes 10 minutes before we hit record. We just talk time. We're swapping out articles last second or you know it. This is so effortless for me anyway. But creating that type of content is really hard. And so if.JulieYou put 1000 hours in on the podcast, is part of it, you're comfortable really, you're just you've had enough reps of that. Also, I think the hard thing is, is that good content looks effortless. So we're watching other people's content and we're like, Man, why is that? Why does mine not look like that? Why does mine feel so hard?JulieAnd then what you don't know is that just because it looked easy doesn't mean it was easy. So almost my story time. So I'm going to do a story time Part two. So. Okay. I'm a purple though, in jujitsu, so I'm usually one of the higher belts, if not the highest in the morning class that I go to.JulieAnd there's a lot of white belt women there.AndrewFor those who don't know, that means you can probably kick anyone's but at the summit.JulieRight? Well, lots of that out there. But so the professor, the coach there, sorry, this is making our story time really long. That's the coach there. Some mornings we'll say, okay, higher belts, you have to let the lower belt start wherever they want. So these white belt girls who are younger than me, probably stronger than me, can say, okay, I would like to start on your back with like about ready to choke you or I would like to start like on top of you.JulieAnd so then I have to work on my escapes and they get a chance to like, work on submissions and things. And so then when I get out, they're like, Man, that was so easy for you to get out. And I want to say, shut your mouth. It was not it was it was terrible. I was fighting for my life.JulieThat's like you think that it looked easy, but it was terrible for me. Like I hated it. Yeah. You know, so sometimes we look at people's content that's good, and we're like, Oh, but that's so easy for them. They just created that and it looked great. But you don't know that they're kind of fighting for their lives or have done that.JulieMany reps are working so hard to make it look that easy. So I think the same to you. People probably saw your presentation. Oh well, this is easy for them, but they don't know what it took behind the scenes to make it look effortless. Right.KevinAnd I, I think if you're a good presenter in any medium, you always are thinking about the audience experience and how they're absorbing it. And the podcast. I just feel like there's I mean, hopefully you're, you know, mowing the lawn, taking a walk, cooking dinner, like this is a great medium to do something else. At the same time.KevinSo it's like this and, and that's length and consistency mean that again, if you're sitting down on your couch with your popcorn and watching this, please don't tell me if you are, because I want to get you something special. I'll buy you popcorn for a year or something if that's actually what's happening. But there just seems like less pressure versus a straight for the same thing happens with the summit content.KevinIt is like you have to put time aside and it's not for me anyway. It's not repetition or practice of the content. It's the constant someone sitting in a seat that may or may not be comfortable after sitting in it for 4 hours. And I want to make sure that the visual payoff as much as possible of what I'm talking about connects or translates or adds something extra and isn't just like, anyway, I just yeah, it's hard.KevinI think content is hard. And you write thousand out the 10,000. I mean, should I should do the math. But if you average six or 7 hours a day talking to people times almost ten years now, I guess talking is not the hard part for me.AndrewYou know.KevinAll right, on to the news and we will try to keep those types of the episode doesn't go forever. MarketWatch dot com mortgage rates could hit 8% economists say, citing a worrying sign not seen since the Great Recession. The 30 year rate is at a critical stage. Lawrence Yun, chief economist at the National Association of Realtors, told MarketWatch.KevinThis is confusing to a lot of people. I feel like we've talked about a couple of times, but just for clarity, the Federal Reserve changes short term rates, the rest of the bond market and Treasury market adjusts based upon supply and demand for different lengths of maturities. The most important one for mortgages is the ten year Treasury note, so that has its own pricing that is not directly impacted by the Fed.KevinThere's a there's a correlation, but it's not directly affected. And then there is a risk premium that people who give money for mortgages want. So the ten year is considered a very safe investment. Unless the US government ceases to exist, they pay their debt by making more money, which is a whole other topic out of thin air. But you're going to get your money from that ten year Treasury bond.KevinSo if people are default on a mortgage, there's a risk that that could occur, especially when the market in the future doesn't look as rosy. And so the the Delta between the ten year and what mortgage rates are at is known as a risk premium. That risk premium and the ten year are both expanding. And that's why even though rates haven't changed very much, they're still headed up and may go headed higher.KevinSo in some sense, before we get into really the the full article, it's it's kind of I would say it is really smart people who have a lot of money at risk saying I think in the near term there is maybe a slightly higher likelihood of people being foreclosed on or loans not being paid back. And so I want more profit basically from the loan to cover potential losses.KevinSo that's that's why that that spread is so important to watch and understand. Anything else in this article that that you all.JulieKnow the I thought it was interesting that they were talking about don't expect the higher rates to hurt home prices. So some people may think, oh, because rates are going up and less people are going than your home prices are going to go down. They said that the that will only happen if the job market, if people are losing their jobs and then that would be when that would happen.JulieSo I thought that was an interesting point.AndrewYeah, it's so interesting. I mean, you know, different local Facebook groups and there's still this weird like thought that like everything is going to crash and people are waiting to buy for this inevitable crash and maybe people want Why would you want that? Like, that's so psychotic. Like what I want the world to be like. They want like, a recession, Great Recession.AndrewI'm like, what is wrong with you? First of all? Like, it's not going to happen.KevinBecause it's going to affect everyone else. They'll be unaffected.AndrewThey'll be unaffected. They'll still have their job perfect, and there'll be any change they could just scoop up a house half the price, what it is now. But so that's just it's interesting that I don't know. That's a common thought, but it definitely seems a somewhat common thinking. But just looking at this one part here, it's like he noted that monthly mortgage payment for a median priced home in 2019 was 1100.AndrewToday, at 8%, that payment would be over 2300.KevinSo that does not include taxes and interest, I believe.AndrewBut then you need to go like, well, those people who didn't buy it either time, what is their rent? Right. It could be 2823 is better than 28. So I'm saying that like this seems very doom and gloom, but like knowing people in our lives that are younger, like, Oh, but in house. Yeah, yeah. I'm like, can I have some details?AndrewYou know, like, I do stuff like, and every single person went down at least 2 to $300 renting to now owning a home. So my Oh, okay, cool. Now they are fortunate, like their career wise, they both had higher income established jobs, so they're both like they made 100 combined income, not not each, but like both. So they able to save up some money.AndrewAnd then both for Ira, both had down payment assistance from the county. Yeah. Which is more interesting. But prices were both met for hundreds for their homes.KevinBeth Russell sharing screenshots of articles, talking about how housing has just become completely like it's I forget the exact headline, something about no one can afford to buy anymore. And what's interesting, I just replied back quickly like that also means people can't afford to sell. And so that, you know, if rates continue to go higher, I think there will be fewer sellers until, to Yoon's point, people have job losses.KevinBut until that point just means there's going to be fewer existing homes on the market and builders are always going to have something for sale.AndrewSo more houses be perfect. Yeah. Builders, there's the supply.KevinAll right. Up next, this is a I really want to talk about this one, even if it's the last one we do. I don't care from geek it Slate.com don't discount the merits of a friction ful transaction. This is written by Drew Myers, the guy I've got to know over the last year and a half or so. Really good guy.KevinFriction is good. Not bad. At least in the residential real estate context. And he goes on to cite all of these different tools, services, platforms that want to make moving it at the push of a button easy. And then he's like, should it be easy? Are you going to make a great decision? If purchasing a home is as easy as ordering light bulbs off Amazon?KevinShould it should it should something that impacts your life so, so severely is a real benefit to having that be frictionless at point.JulieI don't think friction less should be the goal. I think figuring out where the friction should be and where the friction should be in places where we strategically want to slow the process down. So there should be parts of the process that we want to go quickly and easily and parts where we want that friction because we need people to slow down and not just to make the right decision.JulieBut you also can't build a relationship with somebody which sometimes you need to know because, you know, if you want to do more personalization or you want to listen or you want to find out what they want, you're going to have to slow that part down or it's not going to happen. So I think it's just being more strategic about where it needs to go fast and where it needs to go slow and leave the friction in those places.JulieWe need to slow it down.KevinRight. I think his argument here is a somewhat moral, you know, he goes into credit cards are easy and there's lots of studies that show if you pay in cash versus a credit card, you're going to you're going to be making smarter financial choices overall. And so he's like over half a century of cognitive science. And studies have shown that people who do multitask or move quickly.KevinAnd so then he's like, I promise buyer solutions to both with one seamless experience of here's the house for you. It's perfect in every way. Push the button. It's yours. And he's like, Should this desk be compressed to make it as easy to drop 200 grand or $2 million on a house? As easy as it is to drop a $5 bill on some other product or service.AndrewI would like.KevinThis is how he says. I don't buy the idea that people need or even want to buy houses with a single tap on their phone. Sequencing steps helps buyers minimize the chances of a poor investment decision with their hard earned dollars.AndrewI think this is my bias, or maybe this is what I think I don't. People are being polite by using the word frictionless by saying I think that transactional cost to sell and buy a home is absurd, right? Like if you were to sell.KevinThat is true. A lot of it is focused on like.AndrewHodling, like realtors, then like, hey, is there a way to get rid of this percentage? Or maybe you should shift that money to like, Hey, the inspection needs more money behind it and we could have a better inspection for a used home and more emphasis on that versus this kind of general contractor bringing in different trades to get it done.AndrewAnd they're the ones making the most money on the transaction. I don't if that. So, Drew, if you're listening, maybe have a part two of transact, you know, what we should is the same.KevinThing or something and see if he wants to come on some time on, I guess, episode. But one example would be like inspections, housing inspections. Is it really in the buyer's interest to waive those or to let's say that there's a company that says we'll do an AI powered inspection utilizing large amounts of data and we'll just estimate a likely cost of repairs.KevinJust so you have a sense of it. You can either push a button and get that for two bucks or you can wait 72 hours to have for a week to have an actual in-person inspection. Now, I'm not saying take away the optionality for the buyer because that's a negotiation tactic of I'm not going to require that. But all things being equal, just like, is it better to walk through physically the space that you're about to purchase or do it virtually, which is like and this goes like, we are really quick to give away the best option for just one that's better or good enough.KevinAnd I think that's kind of what you're saying. Julie There's there's things where we should always be optimizing to just the best and maybe a good enough in some areas is okay. But I if, if my one of my four kids goes to buy a house that's 25 years old and like, Hey dad, we're going to waive inspections, I'd be like.AndrewNo, you're not.JulieWell, And sometimes it takes a human to explain that, you know what I mean? Like the giving option just on an automated system is different than having a person telling you what the differences in those two choices are.KevinRight? I've even had people tell me, like, I waved my it's like, no matter what happens with the inspection, I can't get out of the contract, so I'm not going to do an inspection and like, you're nuts. Why would you still not want to know?AndrewThey still know.KevinYou may not be a reason to get out of the contract, but at least now you know for planning before you show up, you move in and try to take a bath in the tub, falls through the second floor. I think you would want to still know. I mean.AndrewYeah, all the hurricane things are missed very commonly. Even a newbuilds like, right, Matt Then insurance like that. That sounds terrifying. Hurricane coming. You're like, I wish we got an inspection. Make sure the straps and all that stuff is done correctly. Yeah, yeah, yeah. That's. I do both. All right, next your question.KevinI mean, it's it's a good thought process and I and I agree that we should be going after the best which might have a little bit of friction but if it's if it's in everyone's best interest and that kind of goes back to like the whole e-commerce ification of our industry I think is a little bit overplayed, not not totally, but a little bit from Reuters.com.KevinEvergrande Remember them files for us Bankruptcy protection as China economic fears mount. So this isn't just a story about Evergrande, which is your remember the place that had like was a 15 or nine towers imploded that were partially built.AndrewA billion.KevinGhost cities. We talked all about this a couple of years ago I think now well they're back the the whole real estate market and China's a mess. Trusts aren't paying out the funds that they're supposed to be. There's people protesting again. So that's interesting in and of itself that it's real estate that's having an issue there. But also just generally a lot of the global economies now are headed towards a recession or a severe decline in activity from where they have been.KevinAnd China is typically a big economic engine. So even if you believe in the soft landing theory of what's going to happen to the U.S. market broadly, there's always a statement of, you know, in China, when China sneezes, the U.S. catches a cold, vice versa, like these two really big economies, there is this global impact. And so Europe's doing poorly, Japan's doing poorly, China is doing poorly.KevinAnd a sense that even if things are great here, you're going into the end to the end of this year, early next year. Just kind of general economic activity in the world is not good. And that's quick aside, sorry I'm talking so much on this one, everyone. But I was having this conversation of someone was saying, Kevin, how do you feel about the housing market over the next 12 to, 24 months?KevinAnd here's here's my main thing is I can't think of in the stock market language, they call it a catalyst like is the stock going to go up or down? There needs to be some new piece of information that is a catalyst for change. I can't think of very many positive catalysts except for the one we just mentioned of existing homes not being available, but they're already not really available in most markets.KevinSo it might get a little bit better if rates go higher and less are available for us. Maybe. But it's almost like all of the good catalysts have already happened or are in play like now. Homes are available. Pricing in a lot of cases have adjusted or come down. And so then there's like the market catalysts that I, I can't really foresee.KevinBut if you can think of any show it did you convert dot com or just reach out to us on social channels. We'd love to hear your thoughts. And then the second thing is from a marketing perspective, even if the market's not doing great as a marketer, if there is some new thing that we could all be working on that always of ups the energy level of like, okay, well we can't do this, this and this, or we can go do this thing that's new and different.KevinAnd there is a little bit of that. And certainly the focus that Julie is helping with with her book on on content is a big piece of it. But again, in terms of a brand new kind of like we've all known we needed to do content well for a long, long time.AndrewYeah.KevinJulie's book is a great resource to help us do that better. People are budget, more money to it, but it's not like a completely brand new catalyst thought of this is really going to ignite something. So I think that's why I'm just generally I kind of like, enjoy what you got, why you got it. Keep getting better, keep your eye on the ball, work hard.KevinAll right. All the phrases from oh, yeah, something else.AndrewAll the phrases, all the phrases there. Keep going.KevinFrom Zillow.com. First home ownership surges. Half of all home buyers are making their first purchase. Half of all home buyers are purchasing their first home, the highest share that Zillow has ever recorded. And for Housing Trends Report finds that first time buyers now make up 50% of all home buyers, up from 45% last year, and a meaningful jump from 37% in 2021.KevinThat's really interesting to me.AndrewYeah. Trump on the age group they had is that millennials, which are 29 to 43 year olds, that's not what we think of young people, right?KevinRight. But they haven't been buying homes. Yeah. So these aren't large numbers until recently.AndrewYoung people.KevinYes. I just think I find it ironic that when in an era of affordability being the main reason slash excuse that people say why homes aren't selling, people can't buy that. It's first time buyers that make up 50%. What do you think?JulieWell, it's it's also what you what you know, if you don't know if you're coming into this market and it's the first time you've bought. I just now Googled we bought our first little condo in 2001 and I just Googled. So I don't know how accurate this is. That said, the rate's average 7.24%. Like they were terrible. We didn't know any different.JulieIt's different this time around because they were down to three and they came up to this. And so it's news. But also if they weren't already in a home with a 3% interest rate. So it is to just speaking to your audience and realizing that not every single person you're talking to is currently in a house with a 3% mortgage rate.JulieThere's people paying cash. There's, you know, first time homebuyers, There's all these other people who are also in the market that we also need to speak to.KevinThat takes us back to where we keep talking about on all of our calls with our with our builder partners and on leadership calls is right now the market is being driven by the four D's death. Diamond's divorce and diapers like that's regardless of where affordability is to your point. Like those are the reasons that you're saying okay.KevinWe're going to buy a house or need a change in our in our situation. GREEN No. All right. Favorites.AndrewFavorites. So let's say what's not what's not my favorite way.KevinWe started this new last time. It doesn't have to be a favorite anymore. It could be just something that's really pissing you off.AndrewOh, well, this is perfect, then. This boom stand is pissing me off. If you've seen me, me, myself. And because it keeps fun, it keeps falling down. So I have a new one that Amazon said. Your shipments arriving late or something. Supposed to be here this morning. I'm like, Oh, I arrive here at 7:11 a.m.. Perfect. It's one this one is like it's blue.AndrewThe blue brand. I think they make a fake out. They make microphones and stuff. It's like a hundred bucks, but it's tension based. So it's like the weather affects it and humidity, for whatever reason is super annoyance. I just bought one that's like you just lock it in because it really doesn't move. I'm excited to replace it. This thing is super annoying.AndrewDon't buy it. It's awful. Well, it's.KevinOne of those things. It's not a buy once. Try once deal with Julie. I thought that would be sad that she bought her camera. But it is one of those things like arm. I had the same challenge, but there's a tension adjustment piece on it.AndrewYeah, but.KevinFor the last year I have not bothered to mess with. I'm just like the things slowly would float up and it would annoy me and I'd push it back down and it would stay there for 5 minutes and then slowly float back up. Just having the right equipment is half the battle. It's worth it almost every time. And then the second is just taking the time again to take care of it like I talked about before.KevinBut yeah, that's.AndrewIt's so someone wants to.JulieMine are homework helpers this year for math he has homework helpers. We're basically has the same worksheet that he's working on that shows you what you're supposed to do without the answers on it. Thank goodness, because I was having to google everything. And it's not that it's like hard stuff. It just doesn't make any. It just I've never seen it laid out like that and I have no idea how to help them.JulieSo thank goodness already we're like two weeks into school and I'm already having to like, go to the homework helpers and figure out what in the heck they're talking about. So I'm having homework so I.AndrewLearn rational numbers and irrational numbers whole. Yeah, I'm like, I don't.JulieKnow, like, yes, I'm like, Wait, I don't know what they're asking. So that's been my go to this week.KevinLet's see what I'm going to is going to pick some app on my phone that I think that I use that I think most people may not have. There's one called Sunshine Birthdays. You've all seen this before. That's Marissa mayer of former Yahoo Fame. That's her company. And what it does is it lets you log in and connect all of your different accounts and just create a single source of truth, people's birthdays.KevinIt also does the same thing for contacts. So it's kind of like an iCloud. That's not Apple only, but it'll go to all of your social networks, your Gmail, whatever, and your calendars already, and then it'll say, Hey, there's three different birthdays or three different profiles for Andrew. Pete, do you want to consolidate them? Is this the right day?KevinIt's one of those small little things that and then it reminds you, you can look at it easily a week in advance or a mother of and Sue's birthdays are coming up. They're their play, as you know. They make it really easy to order someone something if you want to through the app. But it's just one of those nice little things that you're like, this is just helpful to not not miss birthdays anymore.AndrewDoes it go through like does it prefer Amazon as far as like it tries to sync it to Amazon, like get you to buy? The reason I'm saying the best purchases from you have this really cool experience and then they get like the affiliate money from pushing all these transactions from their app. So I'm like, Oh, that's genius.AndrewLike, let's make it easy for people to shop for birthdays. We make money by being affiliate with all these different e-commerce companies.KevinI might have spoke too quickly there. I thought an option to send presents, but what I'm getting now is just ordering cards or cards.AndrewOh, they go.KevinIt's probably just through their on experience.AndrewIt's pretty cool. Yeah. Yeah. It is a hard to remember.KevinSomething and it's called sunshine. It'll brighten your day.AndrewI think. Sunshine.KevinAll right, that'll do it for season one of marketing. Of marketing. Be sure to join us for the beginning of season two next week. We'll see you then.JulieSee. The post Ep 300: Good Content Looks Effortless appeared first on Online Sales and Marketing for Home Builders - DYC.

CrossRoads

-Acciones de Evergrande vuelven a cotizar: se desploman 90%. -Oferta monetaria disminuye en la UE por primera vez desde el 2010. -Abstencionismo crónico aumenta en las escuelas de EEUU.

Shares in embattled Chinese property developer Evergrande have fallen almost 80% in their first day of trading in Hong Kong for a year and a half. The shares have lost more than 99% of their value in the past three years as Beijing cracked down on property firms. A technical issue at UK air traffic control has led to long flight delays and a federal judge has scheduled the trial for Donald Trump for his alleged effort to overturn the 2020 election for 4 March, the day before Super Tuesday, the biggest voting day in the Republican race. Roger Hearing discusses these topics and more with Gaby Castro-Fontoura, a business consultant based in Uruguay, and Ralph Silva of the Silva Research Network in Toronto, Canada. (Evergrande Group logo. Photo Credit: Getty Images)

Click my CoPilot https://go.mycopilot.com/PatrickBoyle link to get a 14-day FREE trial with your own personal trainer!China's economy has been struggling to reawaken from an economic shutdown that was officially ended last year.  Chinese authorities are now reported to be pressuring economists and analysts within the country to avoid discussing any negative trends and to avoid using the word deflation, as concerns grow about the leaderships' ability to stimulate the economy. In April consumer confidence fell back to the lows of 2022, according to China's National Bureau of Statistics, which promptly stopped releasing the figure.The Chinese government, facing an expected seventh consecutive monthly increase in youth unemployment, two weeks ago announced that it was suspending the release of that data. On top of this, the demographic problems brought about by the one-child policy are growing.Michael Pettis Blog Link: https://carnegieendowment.org/chinafinancialmarkets/89466Patrick's Books:Statistics For The Trading Floor:  https://amzn.to/3eerLA0Derivatives For The Trading Floor:  https://amzn.to/3cjsyPFCorporate Finance:  https://amzn.to/3fn3rvCPatreon Page: https://www.patreon.com/PatrickBoyleOnFinanceBuy Me a Coffee: https://buymeacoffee.com/patrickboyleVisit our website: www.onfinance.orgFollow Patrick on Twitter Here: https://twitter.com/PatrickEBoylePatrick Boyle YouTube Channel Support the show

Will Bain looks into consumer rights after the travel chaos of the Bank Holiday. As the expanded ULEZ gets underway in Greater London we speak to one worried business owner. And as shares in the Chinese property developer Evergrande fall by nearly 90%, we look at the background to the company's struggles and at what's happening in China's property sector.

Shares in Evergrande, a heavily indebted Chinese property developer, plunged by nearly 90% after they again began trading in Hong Kong, following a 17-month ban. Hosted on Acast. See acast.com/privacy for more information.

Join CryptoManRan on today's episode of Crypto Banter as he dives into the unfortunate departure of Bitboy from Bitboy Crypto and what it means for the Crypto media space, also in this show, the future of the Chinese economy after a historical crash in Evergrande stock! What does this mean for global markets and most importantly what does it mean for Bitcoin and crypto? Find Out Now! ⚠️

Evergrande Shares Plunge 80% on Hong Kong ExchangeChina's New Stimulus Fails to Woo InvestorsU.S. Commerce Secretary Visits Beijing Seeks Trade, Tourism Boost in China TalksSEC Fines Manufacturer 3M $6.5 Million for Secretly Funding Chinese Officials' TripsWhite House Censored COVID-19 Origin Probe Info: ReportChina to Drop COVID-19 Testing for Incoming TravelersJapan Summons China Ambassador Over Fukushima ‘Harassment' CallsAustralian Fears for Health While Detained in China‘CCP Will Play Us as Far as We Are Willing': Fleming on Raimondo's China Visit

China in Focus

From the BBC World Service: China Evergrande Group's shares resumed trading on Monday after a lengthy suspension, and investors in the real estate organisation took the chance to withdraw their money — the BBC’s Asia correspondent Mickey Bristow explains why. Plus, Lebanon is in the midst of a huge economic crisis: Inflation is in triple figures and the banking system has collapsed, but the wine industry is booming.

-Credit card debt is at an all-time high. -Theft in retail continues to surge as Dick's posts a decline in earnings -NVDIA's blockbuster earnings results push the stock even higher -Evergrande's problems continue but plans are in the works to rescue the fallen giant -Dave and Brandon analyze current headlines --- Send in a voice message: https://podcasters.spotify.com/pod/show/chinchillapicking/message Support this podcast: https://podcasters.spotify.com/pod/show/chinchillapicking/support

US futures are pointing to a slightly higher open as both Nasdaq and the S&P 500 broke three-straight weekly declines. European equity markets have opened positive, following upbeat Asian markets. Markets unfazed by hawkish speeches from chair Powell at Jackson Hole and pricing in almost two-thirds probability of a November rate hike.Companies Mentioned: XPeng, Didi, BYD, Jabil, Evergrande

From the BBC World Service: China Evergrande Group's shares resumed trading on Monday after a lengthy suspension, and investors in the real estate organisation took the chance to withdraw their money — the BBC’s Asia correspondent Mickey Bristow explains why. Plus, Lebanon is in the midst of a huge economic crisis: Inflation is in triple figures and the banking system has collapsed, but the wine industry is booming.

A scandal over the head of Spain's football federation escalates bizarrely. Football journalist Flora Snelson has the latest. In the studio, Chris Cermak and Jonathan Fenby consider the potential collapse of China's Evergrande, the US senator holding up military appointments and the British Museum under fire over stolen artefacts.See omnystudio.com/listener for privacy information.

The big drop highlights China's current problems in the property sector. Also: The billionaire founder of the electronics giant Foxconn is announcing he'll run for the presidency of Taiwan, and France announces that it is banning schoolgirls from wearing abayas, the loose fitting full length robes usually worn by Muslims.

Shares of the Chinese property giant fell by almost 80% on its first day of trading since March last year. The firm had suspended its activity in the Hong Kong Stock Exchange as it aimed to release a global restructuring plan. he US Commerce Secretary, Gina Raimondo, is the fourth member of Joe Biden's cabinet to visit China in the last two months. We look into what might come out of this three-day trip. And thousands of airline passengers face potential delays and cancellations after a technical issue at UK air traffic control led it to bring in traffic restrictions to "maintain safety". We hear the latest.

Shares in embattled Chinese property developer Evergrande have fallen almost 80% in their first day of trading in Hong Kong for a year and a half. The shares have lost more than 99% of their value in the past three years as Beijing cracked down on property firms. Also, a technical issue at UK air traffic control has led to long flight delays and even though layoffs are down, employers are still finding ways to cut jobs

Join OANDA Senior Market Analysts as they review the latest market news and moves. MarketPulse provides up-to-the-minute analysis on forex, commodities and indices from around the world. MarketPulse is an award-winning news site that delivers round-the-clock commentary on a wide range of asset classes, as well as in-depth insights into the major economic trends and events that impact the markets. The content produced on this site is for general information purposes only and should not be construed to be advice, invitation, inducement, offer, recommendation or solicitation for investment or disinvestment in any financial instrument. Opinions expressed herein are those of the authors and not necessarily those of OANDA or any of its affiliates, officers or directors. If you would like to reproduce or redistribute any of the content found on MarketPulse, please access the RSS feed or contact us at info@marketpulse.com. © 2023 OANDA Business Information & Services Inc.

The Libyan foreign minister is reported to have been sacked for meeting her Israeli counterpart when the two countries don't have formal relations. Libya - a strong backer of the Palestinian cause - does not recognise Israel, and the meeting has sparked protests in the majority Arab state. Israeli FM Eli Cohen said the "historic" meeting was "the first step" in establishing relations with Libya. So who sanctioned the encounter? Also in the programme: Shares in the troubled Chinese property firm Evergrande have plummeted on their first day of trading for 18 months - is it simply too big to fail?; and the French government is banning the wearing of abayas -- the loose-fitting robes worn by some Muslim women -- in state-run schools. (Photo shows demonstrators in Libya burning tyres to protest against the meeting of the foreign minister with her Israeli counterpart in Italy. Credit: STR/EPA)

¡Emprendeduros! En este episodio Rodrigo y Alejandro nos dan una actualización de mercado donde hablan de la situación del mercado, el discurso de Jerome Powell en Jackson Hole, la junta de los BRICS, las posibles huelgas y unas estadísticas de empleos. Nos dan los reportes de ingresos de Zoom, Lowe's, Macy's, Dick's Sporting Goods, NVIDIA y Snowflake. Después hablan de la bancarrota de Evergrande y de la recta final de la adquisición de Activision Blizzard. Finalmente nos dan la actualización de Cryptos donde hablan de la caída de las cryptos, mas problemas para Binance y la inversion de Coinbase en Circle antes del análisis técnico por parte de Delox. ¡Síguenos en Instagram! Alejandro: https://www.instagram.com/salomondrin Rodrigo: https://www.instagram.com/rodnavarro Delox: https://www.instagram.com/deloxelhumilde Emprendeduros: https://www.instagram.com/losemprendeduros

In this episode of the Canadian Investor Podcast, we look at the earnings of Walmart and Target to see if they are seeing similar trends to Canadian Tire. We also look at Zoom's earnings, Evergrande filing for chapter 15 bankruptcy and some of the crucial mistakes made by Algonquin Power and Utilities.  Symbols of stocks discussed: AQN.TO, WMT, TGT, ZM Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon's twitter: @Fiat_Iceberg Braden's twitter: @BradoCapital Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor  Spotify - The Canadian Real Estate Investor  Sign up to Stratosphere for free

STARTS AT 9PM ET: Multiple indicators point to an economy on the edge of collapse in China, from the bankruptcy of real estate giant, Evergrande, to major red flags in the shadow banking industry. Join me for an important economic update with Dr. Kirk Elliott. To learn more about investing in gold visit - http://goldwithseth.com, or call 720-605-3900 For high quality storable foods and seeds, visit http://heavensharvest.com and use promo code SETH to save 15% on your order. Save up to 66% at https://MyPillow.com using Promo Code - MAN LISTEN VIA PODCAST: Apple: https://apple.co/3bEdO1S Spotify: https://spoti.fi/3u9k8Vd Podbean: https://bit.ly/3A4Jasy iHeart: https://bit.ly/3npOBea FOLLOW AND WATCH: Website: https://maninamerica.com/ Telegram: https://t.me/maninamerica Truth Social: https://truthsocial.com/@maninamerica Banned.Video: https://banned.video/channel/man-in-america Rumble: https://rumble.com/c/ManInAmerica YouTube: https://www.youtube.com/c/maninamerica Gab: https://gab.com/ManInAmerica Facebook: https://www.facebook.com/ManInAmerica Gettr: https://gettr.com/user/maninamerica Twitter: https://twitter.com/ManInAmericaUS Parler: https://parler.com/user/ManInAmerica SafeChat: https://safechat.com/channel/2776713240786468864 Tik Tok: https://www.tiktok.com/@maninamerica2 Instagram: https://www.instagram.com/maninamericaus

Terry Sawchuck is the Founder Sawchuk Wealth. 1.) Trouble brewing for US interest rates. 2.) China demand has plummeted, Evergrande filed for bankruptcy and other major developers are in trouble 3.) US Luxury goods demand has fallen and surprisingly

Watch this on YouTube! Gregory Mannarino - The Robinhood of Wall Street comes on the show to to lay the groundwork for the destruction of our currency by the Federal Reserve and other Central Banks. We talk about the BRICS Meeting taking place right now, and what Greg sees as the result of that meeting. Greg teaches us how we could end Central Banks. Does he see a meltdown in the markets? Chinese Real Estate market is collapsing, with Evergrande and Country Garden going down. We talk bonds and where the difference between the Big Banks and Credit Unions. Greg sees Silver as a Buy. His favorite commodities in order are Silver, Gold, and then Platinum and Palladium as a tie for 3rd. He also likes oil a lot as we do. We end the show with a rant from Greg on the complete Clown Show that is commonly called, "The Federal Reserve." Greg's Website Greg's Substack Uranium Insider Newsletter Silver Symposium in Las Vegas Rick Rule Portfolio Review Rule Investment Classroom Connect with us! Twitter Facebook Instagram Linkedin Water Filter System I use for Perfect Water Precious Metals Steve Style: https://www.stevebartonmoney.com/contact-2 Website: https://www.stevebartonmoney.com/ Email: stevebartonmoney@gmail.com DISCLAIMER: I am not a financial advisor. This is not financial advice. I only express my opinion based on my experience and your experience may be different. These videos are for educational and motivational purposes only. Investing of any kind involves risk. Do your own diligence. Every investment and bet comes with the risk that your capital could go to zero. WHAT I DO: Spread out your investments. Don't put it all on one thing. For every bet that you make, you should devote one hour of study per month to that investment. Keep the number of bets to what you can feasibly study. AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, the show may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact our opinion. We recommend them because they are helpful and useful, not because we are looking for the small commission.

The giant Chinese property developer, Evergrande, has played down its decision to file for bankruptcy protection in the United States. The company described the move as a 'normal procedure'. We hear concerns about property values are falling faster than Beijing has revealed. And we will look at the Women's World Cup final over the weekend - England will take on Spain. Co-hosting the tournament was expected to generate about a third of a billion dollars for the Australian economy. Google AdSense - a technology used by the company to serve advertisements based on website content - does not support indigenous African languages. So what is Google doing to help African language websites monetise their content?

A worker shortage in Croatia has employers scrambling. It’s the busy season for tourism, which is the country’s biggest industry, so many places that used to hire seasonal workers from adjacent countries are now recruiting from Asia. Plus, Evergrande files for U.S. bankruptcy protection and mortgage rates are high.

0:00 Intro 2:03 Karen Kingston 13:27 False Flags 22:50 Maui 34:38 IRS Agent Accidentally Shot 36:32 Project Veritas 42:05 Cryptocurrency 58:55 Medical Clown World 1:13:31 Interview with Dr. Joseph Mercola - Update on Karen Kingston, safe houses, extractions and special forces operators - Powerful message of truth from German MEP Christine Anderson (STOP complying with #tyranny) - Tyrannical government getting SLOPPY with its #falseflag operations, like #Lahaina on #Maui - Maui emergency director RESIGNS after deliberately refusing to activate warning sirens during fire - "Fire and Fury" book on #climatechange published DURING the fires, proving it was all pre-planned - IRS agent shoots and kills another IRS agent... why do they have GUNS, again? - China's Evergrande property developer files for bankruptcy protection in the USA - Huge fallout from Evergrande is now a ticking time bomb in the US banking industry / #debt markets - How Evergrande may affect #Tether stablecoins, which could also clobber #Bitcoin and #cryptocurrency - Protect Veritas implodes after booting James O'Keefe, proving that PV is nothing without him - How #ivermectin prevented 74% of COVID deaths in Peru (new study) - Full interview with Dr. Joseph Mercola, who has been persecuted and targeted for telling the TRUTH about health For more updates, visit: http://www.brighteon.com/channel/hrreport NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

- Fea la cosa para alcalde de Ponce tras donativos no informados - Contralor  - Vuelve Bea Rosselló, ¿y Ricky? - Jay Fonseca app - Activo el Atlántico y el Pacífico con fenómenos atmosféricos - SNM - Oregon pide más enfermeras por paciente, aumentando presiones para conseguir profesionales de salud - Modern Healthcare  - Datos de 80 mil clientes de Popular expuestos tras hackeo de proveedor del banco - Jay Fonseca app - No va aumento de la luz por ahora, pero va después - NEPR - Medicamentos para rebajar y diabetes cuestan mucho menos en otros países - Bloomberg  - Paulson vende dealers de carros - El Vocero  - Proyecto de Lissie Burgos por exposiciones obscenas no se va a aprobar - Angel Matos -  PR cada vez más divididos entre ricos y pobres - Bloomberg  - Encuentan turista de Chicago muerto en Punta Las Marías tras ahogarse - Policia  - Nombrada oficialmente la secretaria de la Familia, todavía tienen 10 mil casos de atraso en investigaciones de maltrato - El Nuevo Día - Juan Zaragoza y el transplante que recibió de su hermana - Primera Hora - Renuncia todo el mundo de Sol y Playa para no obedecer demolición - Primera Hora  - Ley electoral no va para ningún lado dice Dalmau PPD - El Vocero  - Muchos hospitales en problemas financieros - El Vocero  - China en serios problemas, se va a quiebra Evergrande y otras empresas de enorme cantidad de bienes raíces - WSJ - Grid eléctrico de Estados Unidos está en serios problemas ante enorme demanda de luz no aguanta - Estudio Grid  - Pagar centros de cuidos en precio más alto que nunca - WSJ - Aumenta la tasa de interés hipotecario y el índice de poder adquisitivo para comprar casa en su número más alto desde que existe - Financial Times - Un riñón de cerdo funcionando por un mes en cuerpo humano - AP  ¿Quién no ha visto alguna vez cuando se llevan un carro en grúa por no tener el marbete al día? Y más fuerte es la multa que también hay que pagar.  Gente, hay que pagar el marbete a tiempo. Es un requisito de ley, pero, además, no tener el marbete puede tener serias consecuencias en caso de estar involucrado en un accidente de tránsito. Lo triste es que muchas veces esto ocurre porque simplemente se te olvidó la fecha de renovación.  Si llevar el calendario no es lo tuyo, ASC puede enviarte recordatorios antes de la fecha de vencimiento del marbete y hasta te ayudan en el proceso de la renovación enviándote GRATIS la licencia del vehículo por email.  Regístrate en http://www.EscogeASC.com y podrás recibir tus recordatorios e información importante.     Al renovar el marbete, escoge a los expertos.  Escoge ASC.

Filing for bankruptcy protection will allow the heavily-indebted Evergrande to protect its assets in the US as it works on a multi-billion dollar deal with creditors. The company defaulted on its huge debts in 2021, which sent shockwaves through global financial markets. The move comes as problems in China's property market add to concerns about the world's second largest economy. England will take on Spain in the Women's World Cup final over the weekend. Co-hosting the tournament was expected to generate about a third of a billion dollars for the Australian economy. Google AdSense - a technology used by Google to serve advertisements based on website content - does not support indigenous African languages. So what is Google doing to help African language websites monetise their content?

From the BBC World Service: Chinese property giant Evergrande has filed for bankruptcy protection in the U.S. This allows the company, which is swimming in debt, to safeguard its assets in the U.S. The Women’s World Cup soccer tournament has been the most watched in history, giving a huge boost to hospitality spending. Tourism is Croatia’s largest industry and increasingly tourists are being served by workers who've travelled thousands of miles themselves, as businesses turn to Asia to solve staff shortages.

Carl Quintanilla, Sara Eisen and Mike Santoli explored what to make of the August market slump: The S&P 500 and Nasdaq on track for a third consecutive weekly decline. Apple entered Friday's session down 11% percent month-to-date, leading the mega-cap correction along with Microsoft, Nvidia and Meta. On the activist front, Starboard Value confirmed it has amassed a nearly 10% stake in Outback Steakhouse parent Bloomin' Brands. Also in focus: China property woes and Evergrande's bankruptcy filing in the U.S., bitcoin's slide and the Elon Musk factor, Deere and Estee Lauder fall after reporting earnings. Squawk on the Street Disclaimer

A worker shortage in Croatia has employers scrambling. It’s the busy season for tourism, which is the country’s biggest industry, so many places that used to hire seasonal workers from adjacent countries are now recruiting from Asia. Plus, Evergrande files for U.S. bankruptcy protection and mortgage rates are high.

From the BBC World Service: Chinese property giant Evergrande has filed for bankruptcy protection in the U.S. This allows the company, which is swimming in debt, to safeguard its assets in the U.S. The Women’s World Cup soccer tournament has been the most watched in history, giving a huge boost to hospitality spending. Tourism is Croatia’s largest industry and increasingly tourists are being served by workers who've travelled thousands of miles themselves, as businesses turn to Asia to solve staff shortages.

Plus: Donald Trump's legal team seeks an April 2026 trial date in the federal Jan. 6 election case. Maui's emergency-management chief resigns following the island's deadly wildfires. Keith Collins hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Was it SpaceX news? Evergrande bankruptcy? Macro Fed minutes? Or just good ol' fashioned leverage? NLW explores Thursday's crypto flash crash and what it says about where we are in the cycle. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/nathanielwhittemorecrypto Subscribe to the newsletter: https://breakdown.beehiiv.com/ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownNLW

A.M. Edition for Aug. 18. Financial stress at a large asset manager in China is making investors nervous about contagion from the country's slumping property sector, as Evergrande files for bankruptcy. Reporter Rebecca Feng unpacks worries of China's “Lehman moment.” Plus, Russia's economy has reached its speed limit. Reporter Chelsey Dulaney explains. And an activist investor pulls up a chair at Outback Steakhouse. Luke Vargas hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices