Podcasts about Exchange

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Why does a bachelor's degree take four years? Is it because that is how long it takes to learn, or is it just a historical accident?On this episode of An Educated Guest, Todd Zipper sits down with Madeleine Green of the "College in 3 Exchange" to discuss the movement that is challenging the 120-credit hour monopoly. Madeleine explains how the four-year standard was originally created not for students, but for a faculty pension scheme, and why the time is right to redesign the undergraduate experience.In this episode, we cover:The surprising history of the "Carnegie Unit" and seat-time requirements.How institutions are redesigning curricula to cut fluff without sacrificing quality.The financial and career benefits for students entering the workforce a year early.The regulatory hurdles at the state level that are slowing down innovation.Why "College in 3" is about rigorous design, not just speed.To learn more about the institutions involved, visit the College in 3 Exchange website.

Lynda Ulrich and her daughter Liesl Ulrich-Verderber are the mother-daughter team behind the Goodness Exchange, a global positive-news platform founded in 2014 to help people cut through today's negative nose with research-backed, solutions-focused storytelling. On this Blue Sky episode, they describe how they came to their optimistic outlooks at different stages of their lives and have managed to work together to create a remarkable platform for hopeful and uplifting stories.    Chapters: 00:00 Are Optimists Born or Made?  Bill Burke introduces the mother-daughter team, Dr. Linda Ulrich and Liesl Ulrich-Verderber, co-founders of The Goodness Exchange. Linda shares how a childhood tragedy, coupled with her parents' optimistic worldview, led her to choose to see the good in the world from a young age.  04:22 From Jaded to Optimist  Liesl describes her journey from a 'jaded Harvard student' to an optimist, influenced by working with her mother on The Goodness Exchange's positive content. Linda discusses how she encouraged her children to 'change their state' and choose their perspective when facing adversity, modeling this through their family's extensive global travels.  08:05 The Power of Travel  Linda and Liesl reflect on how their extensive world travels, even to uncomfortable places, broadened their perspectives and fueled their optimism. Liesl emphasizes seeing both the vast differences and similarities in how people live globally, fostering connections across cultures and expanding comfort zones.  12:30 The Digital Divide and Disinformation  Linda explains her transition from dentistry to founding The Goodness Exchange, motivated by patients' increasing fear and negativity towards the future post-2010, linking it to negative news and social media. Liesl attributes this shift to the early, unregulated development of social media by young creators and a general lack of digital literacy, but notes a growing trend among younger generations to disengage from platforms that negatively impact them.  17:42 Battling Digital Overload  Bill and Linda discuss the unhealthy constant consumption of negative information through smartphones and social media, highlighting how clicks on alarming content inadvertently 'vote' for more of it.   22:30 Unplugging and Community Liesl, specializing in EdTech, advocates for removing phones from classrooms to foster community and better learning, viewing technology as a tool for connection rather than a constant distraction.   30:01 The Goodness Exchange's Evolution  Linda recounts starting The Goodness Exchange (originally Ever Widening Circles) as a blog to counter the world's negativity she observed in her dental practice, writing daily articles about positive stories. Liesl, upon graduating from Harvard, decided to join, seeing it as a way to transition her mother's passion into a sustainable and impactful publishing and media company focused on rigorously sourced positive content.  33:05 Rats to the Rescue!  The Goodness Exchange primarily publishes positive news articles, a bi-weekly newsletter, and the 'Conspiracy of Goodness' podcast, focusing on engaging content formats as people skim rather than read.   41:02 AI in Education: Educated Bravery  Liesl expresses excitement about AI in education, particularly tools like Khanmigo and Magic School AI, which move beyond cheating fears to empower teachers and students.   48:13 Bridging Generational Gaps  Linda shares an analogy about intergenerational collaboration, where her long life provides a broad 'back of the Earth' perspective, while Liesl, standing on the 'edge,' sees what's coming in the future.

Danny Cunningham joined Ken and Anthony and addressed the overnight rumors of the Cavaliers targeting James Harden in a potential trade for Darius Garland and why he thinks the rumors have some weight to them. He discussed what other superstars could be on the table for the Cavs in a trade, what the advantages and disadvantages are of bringing Harden in, as well as why the Clippers would want to move on from him.

In Episode 339, Kestrel welcomes Beth Jensen, the Chief Impact Officer at Textile Exchange, to the show. Leading the organization's efforts to achieve beneficial climate and nature impacts, Beth oversees key functions at Textile Exchange including impact data and Life Cycle Assessment studies; impact tools and reporting mechanisms; reports and research; fundraising; and public affairs/policy. "A big part of vulnerability is really admitting that you don't have all the answers. So in sustainability, in fashion, apparel, and textile space, this is just the way we have to operate. If you said you had all the answers, you wouldn't be taken seriously in this space … What you present as data might change the next time you present it because you have new and better information. You just have to be able to work in the gray and really take the best available information and make informed decisions based on that information." -Beth THEME — DATA & FASHION: METHODS & ACCESS Before we dive in, I want to take a moment to remind us all that FASHION IS POLITICAL.   Whenever a big politically-charged moment arises in the U.S., there is this narrative I see creeping around that expects fashion (brands, designers, creators, etc) to stay silent on quote unquote political issues – that fashion should stay in its so-called lane, detached from the world around it.  Here's the thing – FASHION IS POLITICAL. It always has been and it always will be. It doesn't exist in its own little vacuum. If you care about the fashion industry, and its impact on people and the planet, it's imminent to pay attention and engage in so-called politics, because it's entirely interconnected. Just to mention a few of these significant overlaps – The origins of the fashion industry in the United States – cotton grown by Black enslaved folks who were forced to immigrate – is political.  The way clothing supply chains operate – predominantly spread across the Global South where our clothes are made by mostly women of color, who are often paid less than a living wage – is political. How certain materials permeate the fashion industry – fossil fuel-derived fibers AKA plastic. While other natural fibers were historically made illegal to grow AKA hemp – is political. The largest garment manufacturing city in the U.S. is Los Angeles, employing over 46,000 garment workers, most of whom are immigrant women from Mexico and Central America. L.A. is the wage theft capital of the U.S., with the average hourly wage being $5.85 (Labor Violations In The LA Garment Industry, Garment Worker Center, 2020) The institutionalized violent origins of ICE as well as the continued horrific acts they have made toward immigrants and nonimmigrants, fellow members of our communities – is political. As Faherty called it in their recent IG post – systemic inhumanity affects us all – our families, friends, colleagues, neighbors and communities, and that is political. If you try to separate fashion from politics, clothing from humans, it's impossible. Clothing is made by people who are integral members of our communities and valued creatives along the supply chain. We must advocate for our fellow community members and the safety of our neighbors. This is the second episode is a 2-part series dedicated to DATA IN FASHION. While many of you may already have an understanding of these elements, I think they are important to reframe and contextualize the following conversation.  The fashion industry and the so-called sustainable fashion space has a concerning history with data. The so-called stat – fashion is the 2nd largest polluter globally, second only to oil – unfortunately spread like wildfire before it was found to be unsubstantiated – in 2017, journalist Alden Wicker brought this to light in an article on Racked, and the NY Times did a deep dive into it the following year, calling it the "biggest fake news in fashion". It's clear that the fashion industry has a massive impact on the earth and its inhabitants – it's an industry that not only thrives with models of overproduction and waste, it also prioritizes synthetic fossil fuel-derived materials like polyester. But, considering how long this inaccurate claim was utilized by the sustainability and fashion realm (to note, I still see it used today and often have to send articles to folks to remind them that it was never substantiated) – I guess, it becomes challenging for fashion to be taken seriously in the greater climate conversation.  Being that fashion is one of the most underregulated industries – I know this is shifting with more policy coming into play, but it's slow. This has further reduced the amount of data collected from brands, because it hasn't been required.  As you can tell, data, fashion and sustainability have a complex history. This week's guest understands this reality, and is pushing to shift the narrative through her work with Textile Exchange. But it's a tricky task, when for her, a lack of data shouldn't prevent us from taking action.  "Without having data to underpin statements about something working toward reducing impact or creating beneficial impact, there's really nothing for those statements to stand on. Now the challenge there is making sure that we're striking the right balance of not letting perfect data get in the way of doing the work that we need to do to improve practices and create beneficial outcomes for the industry." -Beth Materials Market Report 2025 (Press Release) Paper on Ensuring Integrity in the Use of Life Cycle Assessment Data (Press Release) Industry Reports Library Life Cycle Inventory (LCI) Library Follow Textile Exchange on Instagram

We'd love to hear from you! Send us a text!To start the year, Elizabeth sits down with podcast regular, Jane McLain. Jane shares how the word POSITIVITY kept showing up for her and why it became her focus point for this upcoming year.  This isn't about ignoring the bad, covering it with a cute quote or just saying ‘Stay positive! Everything is going to be OK!' This is a deeper level of how positivity can show up in our mind, our heart, and our actions. Elizabeth felt that this short but powerful episode is the perfect way to start the new year!Elizabeth Pehrson created The Exchange in 2015. The Exchange is a monthly event for ALL adult women. Women who work outside the home. And women who work in the home. Women who are single. And women who are married. Women who are moms. Women who are grand-moms. No matter what season of life you are in, The Exchange is here to inspire you to live life ON PURPOSE and WITH INTENTION.The Exchange is a non-profit that provides an environment for women to hear practical advice from topics Elizabeth has read and life lessons she has learned, and is currently learning. Equipping us to become better women tomorrow than we are today. And to ultimately use that to pour back into those around us. Tickets and info: theexchangeus.orgfollow us on instagram: theexchangeusfollow us on Facebook: the exchange cumming

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. Morgan Brennan takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's show we go through the top streamers and how you can get their services for free or reduced price. We also read your emails and take a look at the week's news. News: YouTube TV launching new plans, better multiview in 2026 Free TV startup Telly only had 35,000 units in people's homes last fall Netflix added nearly half a million subs thanks to NFL games UFC Defends Ad-Heavy Paramount+ Debut Free Streaming Perks With the cost of streaming constantly going up the HT Guys are here to try and save you money. Almost all streamers offer some sort of discount via perks through Credit Cards, Cable and TV Providers, or Mobile Phone plans. On today's show we go through the top streamers and how you can get their services for free or reduced price.  Neflix T-Mobile: Netflix on Us is included with many of their higher-tier unlimited plans. It provides Netflix Standard with Ads for free.  Other carriers occasionally bundle it, but T-Mobile is currently the most consistent and prominent in the US. Xfinity (Comcast): Adding their "StreamSaver" bundle ($15/mo) includes Netflix Standard with Ads alongside Peacock Premium with ads and Apple TV+.   Similar occasional perks appear with Spectrum, Verizon Fios, or others during promotions, but they're not guaranteed long-term. Peacock Instacart+ If you subscribe to Instacart+ about $99/year, you can get Peacock Premium included at no extra cost. Xfinity Internet customers on Gigabit or higher plans can get up to 2 years of Peacock Premium free. Xfinity NOW TV streaming service subscribers get Peacock Premium included. Xfinity Rewards members (especially higher tiers like Diamond/Platinum) can claim Peacock Premium as a perk at no extra cost. Walmart+ membership often bundles Peacock Premium for free as part of the subscription benefits. Promotional deals or bundles — These pop up from time to time, and can save money. Student/Young Adult discounts — heavily reduced  about $5.99/month for students via verification or young adult offers. AppleTV+ When you buy a new iPhone, iPad, Mac, or Apple TV 4K, you get 3 months of Apple TV+ free.  Apple One bundle trial — Plans start around $19.95/month (Individual) after the trial, making Apple TV+ effectively part of a discounted bundle compared to subscribing separately. T-Mobile (US) — With qualifying Magenta or Magenta MAX plans, you can get Apple TV+ included at no extra cost. Some carriers (like Verizon or others in the past) have occasionally bundled Apple TV+ free or discounted with phone plans, but T-Mobile is the most consistent.  Peacock + Apple TV+ bundle — In some regions, you can bundle Apple TV+ with Peacock for around $14.99/month (saving over 30% compared to separate subscriptions).  Paramount+ Walmart+ subscribers ($12.95/month or $98/year) get Paramount+ Essential (the ad-supported plan) included at no extra cost. You can choose between Paramount+ Essential or Peacock Premium (with ads) as a streaming benefit.  DirecTV (top-tier/Ultimate packages) may offer complimentary Paramount+. Other providers like Hulu (as a Paramount+ with SHOWTIME add-on) sometimes have free trials or bundled access for eligible subscribers. Verified U.S. military members get 50% off any plan for life (via SheerID verification). This is a permanent discount. Teachers Discount — Teachers may get 50% off any plan. Hulu Eligible U.S. service members, veterans, and families can get 25% off Hulu (With Ads) through The Exchange (shopmyexchange.com).  Select T-Mobile plans include ad-supported Hulu for free. Some plans also bundle Netflix or other services. This can make Hulu effectively $0 if you already have or switch to a qualifying plan. Occasional promotions  from American Express Platinum and some other credit cards may offer free access to Hulu, Disney+, or HBO/Max bundles, but these are niche and time-limited. Bundles for Disney+, ESPN+ and Hulu start around $9.99–$12.99/mo  can save from $5 to $15 when compared to separate subscriptions.  ESPN+ Verizon: Select Unlimited 5G plans include the Disney+, Hulu, and ESPN Bundle (often Disney+ Premium, Hulu with ads, and ESPN Select with ads) at no extra charge. T-Mobile: Offers Hulu "ON US" with select plans, but ESPN+ inclusion is less direct—some bundles or promotions tie in Disney/Hulu/ESPN elements. It's more Hulu-focused, but check T-Mobile's streaming perks for any ESPN-related deals. Other carriers like AT&T may have occasional streaming bundles—verify your plan. Provider-included access: If you have cable/satellite/streaming TV services like DIRECTV, Fubo, Hulu + Live TV, Spectrum, Verizon FiOS, Cox, etc., you may get ESPN Unlimited or Select access included. Disney+ | Hulu Bundle - see above Disney+ Verizon: Several eligible Unlimited mobile plans (or certain home internet plans) include the Disney Bundle for free or at no extra cost. Disney+ | Hulu Bundle - see above Some cards (e.g., American Express Blue Cash Everyday) offer statement credits toward Disney+/Hulu (up to $7/month or similar). HBO Max If you have HBO through a cable/satellite package like DirecTV, or select plans from providers like Spectrum, internet service, or a wireless plan, you may get Max access at no extra cost. Sign in via the Max app with your provider credentials. Some older AT&T Unlimited plans or specific bundles still include it. Certain mobile carriers or services bundle Max for free or as part of a higher-tier plan. Examples include occasional Verizon or AT&T promotions (though many shifted to Disney bundles). Check your carrier's perks section—some offer limited-time free months.

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. Morgan Brennan takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dave Rubin of "The Rubin Report" talks about Marco Rubio's tense exchange with Rand Paul over the constitutional authority to capture Venezuelan leader Nicolás Maduro; Democrat Brian Schatz going speechless after Marco Rubio gave a brutally honest answer about possible regime change in Cuba; Ilhan Omar talking to MSNOW's Chris Hayes about her response to her attack at a town hall event; "The View's Ana Navarro having her naive narrative about Alex Pretti being a peaceful protester being shattered by new footage of him spitting on ICE agents and attacking their vehicles; "Shark Tank's" Kevin O'Leary explaining how the Trump Accounts for kids, which will be invested in the stock market, could completely change how people view investing and thinking about their future; Zohran Mamdani already declaring a fiscal emergency larger than the Great Recession for NYC's budget to justify his plans tax the rich; and much more. Dave also hosts a special "ask me anything" question-and-answer session on a wide range of topics, answering questions from the Rubin Report Locals community. Watch Dave Rubin's FULL interview with Ayaan Hirsi Ali here:    • Somali Immigrant Has a Chilling Warning fo...   WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Polymarket -Go to http://polymarket.com to trade on the outcomes of live events from politics, pop culture, to sports and more! Mars Men -  A potent and natural testosterone stack that optimizes your body's ability to forge usable testosterone. For a limited time, our listeners get 50% off FOR LIFE AND 3 Free Gifts at Mars Men when you use code RUBIN . Go to: http://Mengotomars.com BUBS Naturals - BUBS helps restore collagen levels closer to what your body had in its youth—so your joints feel stronger, your hair and nails grow healthier, and your skin looks smoother. Live Better Longer with BUBS Naturals. For A limited time get 20% Off your entire order with code RUBIN at Bubsnaturals.com

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. Morgan Brennan takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

To kick things off, can you share a bit about your journey and what led you to your role at CMX, and what experiences have shaped the way you think about omnichannel media today?CMX is known for turning consumer intent into action. Can you walk us through how your team uses precision and scale to thoughtfully connect brands with customers across the entire funnel?You often describe CMX's approach as fueling meaningful shopping experiences. Can you share a case study that illustrates how full-funnel strategies have driven measurable results for a brand or retail partner?From your vantage point, how are omnichannel media strategies evolving, and what should brands be doing today to ensure they're driving both brand growth and long-term performance in such a fragmented landscape?When you look ahead, what excites you most about the future of full-funnel media and the role CMX is playing in transforming how brands connect with consumers?

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. Morgan Brennan takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As diplomatic friction rises between Prime Minister Mark Carney and U.S. President Donald Trump, RealAg Radio host Shaun Haney says Canadian agriculture must stay focused on what truly drives cross-border trade: economic integration and industry-level engagement. Carney’s speech at Davos — which drew international applause — offered a subtle critique of Trump’s trade stance. While... Read More

Headlines from the week of January 28, 2026    - Exchange starts multiyear effort to bring composting to Orcas    - Orcas turns out for Jan 20 march    - First baby of the year: Callahan Hargrove    - Islanders walk out with noise    - SAFE San Juans launches support group for survivors of intimate partner violence    - plus excerpts from the Sheriff's Log  

Accreditation can feel overwhelming, but when done well, it's not a once-every-ten-years scramble. Dr. Angie Mund joins us this week to help reframe accreditation as an ongoing leadership practice that shapes program culture, faculty development, and student outcomes. Drawing on decades of experience as a program director, department chair, and national leader, Dr. Mund explains what's usually true long before a successful COA site visit ever begins.  Here's some of what you'll hear in this episode:

Greg Nye introduces himself and Mountain View Dairy, where he manages three facilities and associated farm ground. He outlines the design and construction timeline of their fully enclosed feed center and shares the three primary benefits behind the project: reduced shrinkage, improved ration consistency, and enhanced employee safety. (1:41)Greg explains how external receiving and intentionally separated traffic flows eliminate cross-traffic between loaders and delivery trucks, which significantly improves safety and efficiency. The group discusses early design considerations, lessons learned from other operations, and how “R&D” (rob and duplicate) helped shape the final layout of the facility. (2:32)Scott and Walt introduce footage showing how feeds are received, stored, and staged. Greg walks through the grain elevator, unloading, conveyor systems, bay storage, and handling efficiencies that minimize ingredient touches. (5:03)Greg explains how strategic ingredient placement and facility layout shorten cycle time for high-use ingredients while maintaining flexibility for premixes and specialty feeds. He then goes into inventory management strategies, including rotating bins, tracking shrinkage, and maintaining ingredient freshness. (6:32)The conversation shifts to dust control and shrink reduction, highlighting the enclosed facility design and the use of an industrial baghouse system to recapture nutrients. Feed processing is simplified by reducing complex operations to just a few controls. Greg highlights the impact of reducing corn handling to a single touch and how it accelerated ROI.  (8:28)Finally, Greg discusses ration delivery innovations, including feed staging on conveyors and a custom delivery box that allows multiple loads to be staged and delivered efficiently. He shares how learning from other operations and refining those ideas to fit their scale and how it played a critical role in designing a system that maximizes efficiency without sacrificing flexibility. (15:08)As we look ahead, join us for the next Real Producers Exchange on Tuesday, February 17, 2026, featuring Skylar Gerke, an Arizona dairyman with Midwestern roots. Skylar brings a unique perspective on what it's like to transition from Midwest dairying to operating in the West. Registration is now open at balchem.com/real-science or agproud.com/real-producer. And as always, thank you to Walt for riding shotgun once again, and to our loyal listeners—thanks for being part of the journey. (20:39)

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. Morgan Brennan takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you've ever felt stuck in your own mind, trapped by negative thoughts, or unsure who you really are — this episode is for you.Will Caminada joins the conversation to break down self-awareness, emotional mastery, mindset transformation, and identity work.We explore how to break mental loops, understand how childhood and environment shape identity, and reclaim your power so you can step into your highest version — consciously, intentionally, and without spiritual bypassing.This episode is packed with practical tools and deep insight for anyone on a path of growth, healing, spiritual awakening, or personal development.

with Damion Chaplin. Monday at 9:30pm ET

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. Morgan Brennan takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate GUEST LINKS: https://x.com/anhdres TIMESTAMPS (00:00:00) Monerotopia Introduction. (00:01:37) Monerotopia Price Report Segment w/ Bawdyanarchist. (00:53:15) Monerotopia Guest Segment w/ Anhdres and shortwavesurfer. (01:40:52) Monerotopia News Segment w/ Tony. (01:46:02) Tuxsudo post. (01:46:54) FIU India bans crypto Exchange. (01:47:12) Monerotopia 2026 (01:47:45) The Kill Switch Law is real. (01:51:49) Lola L33tz post. (01:54:20) AI Enforced biometric control. (02:00:29) Netherlands to tax unrealized bitcoin gains. (02:01:17) NYSE. (02:02:52) Lola L33tz askin Zcash people. (02:03:21) Larry Fink. (02:20:36) Monerotopia Viewers on Stage Segment. (04:00:21) Monerotopia Finalization. NEWS SEGMENT LINKS: Monerotopia2026 live auction: https://www.reddit.com/r/Monero/s/3L7MIhzUDO Optional transparency: https://www.reddit.com/r/Monero/s/bSt0KTKxCN Optional transparency 2: https://www.reddit.com/r/Monero/s/RHgPtpRUUK Zcash's new appointment: https://x.com/l0lal33tz/status/2013189488957137180?s=46&t=mVZ0A2C1_bwwnAvgawJjlw NYSE tokenization: https://x.com/sytaylor/status/2013248790988214418?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Last year to use a password: https://x.com/douglastuman/status/2014882371401593227?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Yuval Harari on AI: https://x.com/shadowofezra/status/2013629768587977088?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Netherlands to tax unrealized btc gains: https://x.com/bitcoinnewscom/status/2013698932644196401?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Former Google CEO at Davos: https://x.com/ozraeliavi/status/2013724184900252160?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Blackrock and Larry Fink confronted at Davos: https://x.com/ozraeliavi/status/2014420194253218211?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Kill switch law for new cars: https://x.com/marionawfal/status/2014591247764119677?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Scanning eyeballs for humanity: https://x.com/l0lal33tz/status/2014710563805212971?s=46&t=mVZ0A2C1_bwwnAvgawJjlw AI enforced biometrics: https://x.com/hustlebitch_/status/2014766833489088838?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Silver broke 100, what about xmr?: https://x.com/tuxpizza/status/2014826098908135457?s=46&t=mVZ0A2C1_bwwnAvgawJjlw FIU India bans crypto exchanges that host XMR: https://x.com/southpadretony/status/2014747296609497344?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Federal law on cars: https://x.com/davidicke/status/2014750347474997625?s=46&t=mVZ0A2C1_bwwnAvgawJjlw Human socialization: https://x.com/robbiemintio/status/2014822697335701707?s=46&t=mVZ0A2C1_bwwnAvgawJjlw SPONSORS: PRICE REPORT: https://exolix.com/ GUEST SEGMENT: https://cakewallet.com & https://monero.com NEWS SEGMENT: https://www.wizardswap.io XMR.BAR: https://xmr.bar Don't forget to SUBSCRIBE! The more subscribers, the more we can help Monero grow! XMRtopia TELEGRAM: https://t.me/monerotopia XMRtopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social ODYSEE: https://bit.ly/3bMaFtE WEBSITE: monerotopia.com CONTACT: monerotopia@protonmail.com MASTADON: @Monerotopia@mastodon.social MONERO.TOWN https://monero.town/u/monerotopia Get Social with us: X: https://twitter.com/monerotopia INSTAGRAM: https://www.instagram.com/monerotopia DOUGLAS: https://twitter.com/douglastuman SUNITA: https://twitter.com/sunchakr TUX: https://twitter.com/tuxpizza

Thank you for listening to today's message. Stay Connected With Us Using The Links Below: Stay in the know: nebc.ch/weekly Give: nebc.ch/give Need Prayer?: nebc.ch/prayer Made A Decision For Christ?: nebc.ch/decision Mobile App: nebc.ch/mobile Website: nebc.ch #YouBelongHere

In this comprehensive discussion, Sam Lichtenstein from RANE (Risk Assistance Network & Exchange) joins Chris to dissect their annual geopolitical and security forecast. Sam provides insights into the geopolitical landscape for 2026, highlighting the challenges of predicting human behavior, the rise of violent conflicts, and the implications of AI and cybersecurity threats. They cover regional dynamics in Sub-Saharan Africa, the Middle East, Asia-Pacific, Europe, and the Americas, emphasizing the interconnectedness of these issues and the potential for political violence in the US. Sam also discusses the breakdown of the unipolar order and its impact on global security.Subscribe and share to stay ahead in the world of intelligence, global issues, and current affairs.Read RANE's 2026 Annual Forecast: https://worldview.stratfor.com/article/2026-annual-forecastSupport Secrets and SpiesBecome a “Friend of the Podcast” on Patreon for £3/$4: https://www.patreon.com/SecretsAndSpiesBuy merchandise from our shop: https://www.redbubble.com/shop/ap/60934996Buy us a coffee: https://buymeacoffee.com/secretsandspiesSubscribe to our YouTube page: https://www.youtube.com/channel/UCDVB23lrHr3KFeXq4VU36dgFor more information about the podcast, check out our website: https://secretsandspiespodcast.comConnect with us on social mediaBluesky: https://bsky.app/profile/secretsandspies.bsky.socialInstagram: https://instagram.com/secretsandspiesFacebook: https://facebook.com/secretsandspiesSpoutible: https://spoutible.com/SecretsAndSpiesFollow Chris and Matt on Bluesky:https://bsky.app/profile/chriscarrfilm.bsky.socialhttps://bsky.app/profile/mattfulton.netSecrets and Spies is produced by F & P LTD.Music by Andrew R. BirdPhoto by Harun Ozalp/GettySecrets and Spies sits at the intersection of intelligence, covert action, real-world espionage, and broader geopolitics in a way that is digestible but serious. Hosted by filmmaker Chris Carr and writer Matt Fulton, each episode examines the very topics that real intelligence officers and analysts consider on a daily basis through the lens of global events and geopolitics, featuring expert insights from former spies, authors, and journalists.

#683: Candy now — or a toy later? You slide play money across the table and let your kid choose. That moment kicks off this episode, where Dr. Stephen Day joins us to talk about building a “mini economy” at home.  Dr. Day is the director of the Center for Economic Education at Virginia Commonwealth University. He also holds a PhD in social studies and economics curriculum and instruction. His work looks at how kids form money habits long before they deal with real paychecks, budgets, or credit cards. We break down how a mini economy actually works. Kids have job titles tied to age-appropriate chores. They earn play money. They spend it at a small household store set up on the kitchen table. The store might sell candy, small toys, or privileges like extra screen time. Parents set the prices. Kids decide whether to spend right away or save for something bigger. You hear how this plays out inside Day's own house. A three-year-old takes on the role of “zookeeper,” feeding the cat and picking up stuffed animals. A seven-year-old creates a weekly plan that alternates spending and saving, using patterns she learns at school. A five-year-old chooses to donate part of his earnings instead of spending anything. The system stays the same. The choices vary by kid. The conversation moves through childhood stage by stage. Early years center on routine, structure, and basic trade-offs. Elementary school becomes the key period for practice, when habits and norms take shape. Middle and high school bring longer planning timelines, more independence, and deeper conversations about work, contribution, and goals. We also dig into questions parents ask all the time. Should kids get paid for chores, or should chores come with living in the house? Day explains how families can separate family work, paid jobs, and service work so kids understand why they are doing each task. Clear categories help avoid confusion about motivation and responsibility. Busy schedules come up, too. Sports practices, travel, school events, and late workdays often knock chore systems off track. Day explains how vague expectations create conflict and why job titles and defined duties bring structure even during chaotic weeks. Throughout the episode, the focus stays on practice, not lectures. Kids do not learn money by hearing explanations. They learn by earning, choosing, saving, spending, and living with trade-offs — all inside a system small enough to fit on a kitchen table. Resource: EconEdLink, a CEE program https://econedlink.org Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro (02:00) Teaching kids money (03:59) Mini economy basics (06:20) Money skills by stages (10:41) Starting at age three (12:02) Cat job example (16:08) Goods versus privileges (17:27) Bugging versus choices (18:11) Paying for chores (20:22) Family job service (24:56) Busy weeks and chores (33:21) Low-consumption kid example (39:17) Shared jobs and teamwork (43:34) Exchange rate to dollars (1:00:28) Investing, 529, compound interest Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's guest is Richard Bernstein, Chief Investment Officer of Richard Bernstein Advisors, which he founded in 2009. He was previously the Chief Investment Strategist at Merrill Lynch. In today's episode, Richard argues that the market is defined by rampant speculation and extreme narrowness. He explains why he's bullish on both dividend-paying and international stocks and believes crypto is the first global investment bubble. To close, he warns that corporate credit is priced for perfection, inflation risks aren't gone, and diversification is the best defense in a bubble-prone market. (0:00) Starts (1:20) Richard on market narrowness & speculation (6:21) The Earnings Expectations Life Cycle (12:33) Non-US stocks are undervalued (18:38) Small cap trends and long-term investment themes (24:14) American Industrialization Renaissance (27:10) Corporate credit risk (33:42) Is the Fed independent? (36:38) Is crypto the first global investment bubble? (41:11) The importance of financial history (46:07) Richard's most memorable investment ----- Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Sponsor: Join Alpha Architect's LIVE webinar Feb 3rd to learn if a 351 Exchange may fit your clients' needs.  Before the webinar, visit Alpha Architect's 351 Education Center for use cases, tools, FAQs, upcoming launches, and more. ----- Follow The Idea Farm: X | LinkedIn | Instagram | TikTok Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  -----Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Learn more about your ad choices. Visit megaphone.fm/adchoices

WMAL GUEST: REP. SCOTT FITZGERALD (R-WI) on his exchange with former Special Counsel Jack Smith regarding his selection process and ties to Biden DOJ officials SOCIAL MEDIA: @RepFitzgerald WEBSITE: Fitzgerald.House.gov Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Friday, January 23, 2026 / 8 AM HourSee omnystudio.com/listener for privacy information.

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There are over 200,000 toxic chemicals in the environment in the United States. While the health risks for many of these chemicals are unknown, the research shows that they are hormone disruptors, carcinogens, and pro-inflammatory that cause over 200 known diseases. Imagine if you could remove years of accumulated toxins from your body in just a few hours. In this episode, we explore how plasma exchange is emerging as a powerful tool of removing all these toxins to restore vitality, slow aging, and enhance wellness. Joining us is Dr. Paul Savage of MDLifespan, whose PlasmaXchange™ protocol is helping people take a proactive step toward a cleaner, more resilient body and mind.   Key Takeaways To Tune In For: (02:28) – Dr. Savage's Journey to Plasma Exchange (12:25) – The Toxins and Disease Connection (23:00) – Patient Profiles and Post-Treatment Healing (28:42) – Physiological Changes and Detox Pathways (33:05) – Long-Term Results and Avoidance Therapy (45:00) – Post-Procedure Changes and Patient Experience   Resources talked about in this episode: Website:  www.mdlifespan.com    Social media handles: @mdlifespan.com

Show NotesSummaryIn this episode, Ms. G delves into the pervasive issue of worry, a common experience that many people face but often hesitate to discuss. She emphasizes that while it's natural to worry, it ultimately serves no productive purpose and can detract from our peace and trust in God. Drawing from biblical references, she highlights the distinction between worry and wisdom, urging listeners to recognize that worrying does not solve problems but rather keeps us stuck in anxiety about the future. Ms. G encourages a shift from worry to trust, emphasizing that trusting God is an active choice that requires daily commitment and prayer.Ms. G further explores the idea that worry can signal a lack of faith or an attempt to control outcomes that are beyond our grasp. She invites listeners to reflect on what they are worrying about and to surrender those burdens to God. By replacing worry with prayer and gratitude, individuals can find peace and clarity. The episode concludes with a powerful reminder that while challenges are inevitable, God promises to be with us through them, and trusting Him is the key to experiencing true peace.TakeawaysWorry is a waste; it doesn't solve problems.Trusting God is an active choice, not passive.Worry keeps us stuck in the future, missing today's grace.Replace worry with prayer and gratitude.What are you worrying about that God is asking you to surrender?Worry vs. Wisdom: Choosing Trust Over AnxietySurrendering Worry: Finding Peace in Trusting God"Worrying has never solved a single problem.""Exchange worry for prayer, anxiety for Thanksgiving.""Worry is a burden we were never designed to carry."Keywords: worry, trust, faith, wisdom, prayer, anxiety, God, peace, Christian living, surrenderSound Bites Chapters 00:00 Introduction to Worry01:57 Worry vs. Wisdom05:47 The Impact of Worry on Trust06:46 Choosing Trust Over Panic09:38 Surrendering Worry to God

The Great Turning Point: Authority, Judgment, and the Return of the King In this episode of Into the Glory Zone, Dr. Edith Davis explores the profound spiritual shift currently taking place within the Body of Christ. Drawing from the revelations shared by Apostle Bill Winston, Dr. Davis tackles the difficult reality of God's judgment and the "reckoning" that has begun within the Church. She provides a comprehensive timeline of Christ's victory—from the cross to the 1,000-year reign—reminding believers that we have been delegated the same power Jesus operated in to destroy the works of the enemy. This is more than a teaching; it is a mandate to stop being "driven" by the enemy and start being "guided" by the Spirit to subdue the earth. -- The Turning Point: Why the Church is currently at a major junction and must prepare for a reckoning that begins in the house of God. -- The Exchange of Authority: How the "Second Adam" stripped Satan of his power and returned the keys of authority to the Church. -- The Timeline of Eternity: A deep dive into the Rapture, the two witnesses, the Battle of Armageddon, and the binding of Satan. -- The Millennial Reign: Understanding the 1,000 years of peace on earth where Christ shows us how life was meant to be lived from the beginning. -- Our Present Responsibility: Why God holds the Church—not the world—accountable for the state of the planet and our call to heal the sick and raise the dead. -- Choice vs. Deception: Recognizing the difference between the Holy Spirit's conviction and the enemy's drive and condemnation. Scriptures for Further Study -- 1 Peter 4:17 -- Genesis 1:28 -- Revelation 20:1-15 -- Matthew 10:8 -- Psalm 105:15 This is episode 390. +++++++ Check out my new website: https://www.enterthegloryzone.org/ MY AUDIO BOOK IS NOW AVAILABLE FOR PURCHASE You can Divorce Proof Your Marriage by understanding the Secret Keys of Love. You will come to understand that your Marriage has an enemy. You will come to understand that you are dating your future spouse representative. You will come to understand that your Marriage has the gift of Supernatural Sex. For more information about purchasing this audio book, click here: https://personalbuy.com/shopsite_sc/store/html/product8702.html

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: This episode of Monero Talk features Reuben Yap discussing the growth and direction of Firo as a privacy-focused cryptocurrency, alongside broader developments in the privacy ecosystem such as AnonBazaar. Reuben explains Firo's evolution, including its approach to privacy technology, decentralization, and usability, while addressing the challenges of maintaining strong privacy guarantees in a changing regulatory and technical landscape. The conversation also touches on real-world use cases, adoption hurdles, and the importance of building privacy-preserving marketplaces and tools that go beyond speculation. The episode offers a look at how projects like Firo and AnonBazaar make financial privacy more practical and censorship resistant. TIMESTAMPS: (00:02:00) Guest introduction (Ruben) (00:05:30) Monero's role among privacy coins (00:12:00) Exchange delistings & decentralization implications (00:18:30) Mining incentives, proof-of-work, and miner behavior (00:27:00) Privacy coins vs Zcash & design tradeoffs (00:34:30) Wallets, swaps, and cross-chain usability (00:42:00) XMR Bazaar / Monero-based marketplaces (00:50:30) Real-world Monero usage stories (00:58:30) Community growth & grassroots adoption (01:05:30) Future of privacy coins & ecosystem outlook (01:12:30) Conferences, Mineratopia & community events (01:18:30) Final thoughts from guest (01:34:10) Outro, support links, and closing message GUEST LINKS: https://x.com/reubenyap Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

How do we solve NYC's most pressing climate challenges? We sat down with Shaina Horowitz from the New York Climate Exchange to explore how an exchange of ideas and dialogue on Governor's Island is driving forward progress on solving these issues. Hosted on Acast. See acast.com/privacy for more information.

Our 76th episode brings you our 2025 Marvel best of list with returning guest Hollywood Paul Lewis! We also discuss Kathleen Kennedy leaving the Star Wars universe, super hero hair highlights, and new accusations of a famous artist using AI. All this and more on your friendly neighborhood podcast!

Welcome back and happy 2026! We're starting the new year off with some introductions. Two new agents have joined the commercial team since we last got together, so let's get to know them a bit.  Brad Fowler and Daniel Lyon join me to tell a little about themselves and how they ended up with Clemson Extension. Tune in to meet your newest agents!

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if your greatest power isn't something you need to chase—but something already within you, quietly waiting to be claimed? This week on Love University, we delve into the concept of your Reservoir of Invincibility—the deep, untapped core of strength inside you. It's the mental and emotional wellspring that holds your most powerful states of being: peace, confidence, resilience, clarity, compassion, and purpose. When life overwhelms you, this internal reservoir is where you go to reset, refocus, and re-emerge stronger than ever before. But to access it, you need to learn how to think, feel, and act from a place of intentional mental mastery. Here are three life-changing ways to unlock your inner power: Build Relentless Confidence—True Inner Knowing Relentless Confidence is the engine of your Reservoir of Invincibility. It's not about inflated ego or blind positivity—it's about an unshakable knowing that you can handle what life brings. It starts with where you put your attention. Do you constantly rehearse your flaws, failures, and fears? Or do you actively remind yourself of your talents, past wins, and inner resources? Relentless Confidence means choosing to believe that more is working for you than against you. When you face challenges, you don't collapse under the weight of fear—you lean into your strength, calmly and clearly. You stop inflating problems and start expanding your perspective. The more you train your mind to focus on what is working, instead of what is not, the more you reclaim authority over your inner world—and the more you realize that you're bigger than whatever obstacles stand in your way.   Become a “How Thinker”—Because Solutions Require Direction, Not Doubt Your inner power reveals itself in the way you respond to setbacks. Most people spiral into “if” thinking: If only I hadn't failed... If I were more disciplined... If I were younger, smarter, luckier, more attractive... But “if” thinking leads to paralysis. It drains your emotional fuel and feeds helplessness. In contrast, “How Thinkers” immediately shift their mental lens to How can I come back stronger? How can I learn from this moment? How can I turn this situation into a moment of transformation? That single shift from if to how changes the emotional chemistry of your mind—rewiring your default response from reaction to strategy. “How Thinkers” don't deny pain; they use it. They turn breakdowns into breakthroughs because they refuse to stay in passive mode. They live in motion, not hesitation. And that motion activates the very strength they thought they had lost. Discard the Mental Junk—So Your Power Has Room to Flow No matter how gifted you are, your inner reservoir can't serve you if it's clogged. That clutter—old regrets, guilt, resentment, fear—acts like emotional debris that blocks your access to clarity and peace. The good news? You don't need to fix everything overnight. You just need to start making trades. Exchange peace over anger. Discipline for impulse. Truth for denial. Focus for scattered anxiety. When you do this, you're not giving up anything of value—you're letting go of the thoughts and habits that have kept you small. You begin to clear space for your true identity to rise—a grounded, sustainable state of being. Every time you release a self-defeating thought, you expand the reach of your Invincible Mind. Every time you choose a higher emotional state, you draw deeper from the reservoir of love, success, and happiness that's been waiting for you all along.   Listen to the full episode now on Love University and learn how to build a mind that doesn't collapse under pressure, but expands in power and joy. Also, make sure you pick up a copy of Invincible You on Amazon at https://tinyurl.com/3y3szh27.  

Before fully diving into 2026, the Krewe takes a minute (or 64) to reflect on Japan in 2025, recapping & remembering the good, the bad & the wacky. From the top news stories of 2025 to the year's biggest pop culture stand outs, this episode covers it all!------ About the Krewe ------The Krewe of Japan Podcast is a weekly episodic podcast sponsored by the Japan Society of New Orleans. Check them out every Friday afternoon around noon CST on Apple, Google, Spotify, Amazon, Stitcher, or wherever you get your podcasts.  Want to share your experiences with the Krewe? Or perhaps you have ideas for episodes, feedback, comments, or questions? Let the Krewe know by e-mail at kreweofjapanpodcast@gmail.com or on social media (Twitter: @kreweofjapan, Instagram: @kreweofjapanpodcast, Facebook: Krewe of Japan Podcast Page, TikTok: @kreweofjapanpodcast, LinkedIn: Krewe of Japan LinkedIn Page, Blue Sky Social: @kreweofjapan.bsky.social, Threads: @kreweofjapanpodcast & the Krewe of Japan Youtube Channel). Until next time, enjoy!------ Support the Krewe! Offer Links for Affiliates ------Use the referral links below & our promo code from the episode!Support your favorite NFL Team AND podcast! Shop NFLShop to gear up for football season!Zencastr Offer Link - Use my special link to save 30% off your 1st month of any Zencastr paid plan! Get your very own JAPAN BEAR SHELTER------ Past KOJ Episodes Referenced ------Crash Course in Japanese Politics ft. Tobias Harris of Japan Foresight (S6E13)Social Media & Perceptions of Japan (S6E8)Japanese Soccer on the World Stage ft. Dan Orlowitz (S6E5)Meet the J.League ft. Dan Orlowitz (S6E4)Expo 2025: Japan on the World Stage ft. Sachiko Yoshimura (S6E2)Checking Out Miyagi ft. Ryotaro Sakurai (Guest Host, William Woods) (S5E5)Thoughts on Godzilla Minus One ft. Dr. William (Bill) Tsutsui (S4Bonus)Visiting Themed Cafes in Japan ft. Chris Nilghe of TDR Explorer (S4E15)The Life of a Sumotori ft. 3-Time Grand Champion Konishiki Yasokichi (S4E10)Japan 2021: A Year in Review (S2E13)Japanese Theme Parks ft. TDR Explorer (S2E4)Greatest Anime of All-Time pt. 3: Modern Day Anime (2010-Present) (S1E18)Talking Sumo ft. Andrew Freud (S1E8)------ JSNO Upcoming Events ------JSNO Event CalendarJoin JSNO Today!

In this raw, unedited conversation, Stephen Young shares what it was like growing up around conflict, carrying emotional wounds in silence, and learning how to survive without ever being shown how to heal.We explore how childhood trauma doesn't disappear with time — it quietly shapes your identity, emotional reactions, self-worth, and relationships, often running your life beneath the surface without your awareness.This episode is for anyone who feels stuck in repeating patterns, struggles with emotional triggers they can't explain, or senses that unresolved childhood experiences are still influencing their present.

Have questions, feedback, or thoughts on the show? We want to hear from you! Click on this link to send us a text message. GEAPS Exchange 2026: What to Expect — and How to Get the Most ValueEvery year, there's one time when the global grain community gathers in one place to learn, connect, and solve real-world challenges together. In this special episode, Jim Lenz is joined by Bob Horvat, current GEAPS Board President, to spotlight GEAPS Exchange 2026—the premier event in the grain and grain processing industries.Bob shares why Exchange exists, why it still matters, and how both first-time and returning attendees can get maximum value—from education and Innovation Stations to the Expo Hall, special events, and the relationships that continue long after the show ends.With 319,950 square feet of Expo Hall, 400+ exhibitors, Innovation Stations, and 45+ hours of education across five tracks (Processing, Maintenance, Grain Operations, Safety, and Employee Development/Leadership), Exchange is designed to bring practical learning and problem-solving to every role in the industry.In this episode, you'll learn:Why GEAPS Exchange exists—and how it supports the GEAPS mission to champion, connect, and serve the global grain industryThe value of Exchange for operations, maintenance, safety, processing, and leadership rolesWhat “real-world education” looks like at Exchange (sessions, demonstrations, and interactive learning)How to approach the Expo Hall like a pro—especially with 400+ exhibitorsThe community-building events that make Exchange feel like your extended grain industry familyWho should attend (hint: everyone) and how to plan for maximum return on time and investmentKey event details, pricing context, and practical tips to attend with your teamHighlights discussedEducation formats: classroom sessions, Innovation Stations demos, and interactive learning (including safety-focused experiences)Five education tracks: Processing, Maintenance, Grain Operations, Safety, Employee Development (Leadership)Networking & special events: First-Timer/International events, Get Acquainted Party, Welcome Reception, Fun Run/Walk, Cornhole Tournament, Grain Merchandisers Networking Event, and Music BingoWhy Exchange energizes people and sends them home with:renewed enthusiasm,new ideas,knowledge to apply, andnew connections—people to call when you need helpKey details to rememberGEAPS Exchange 2026 WebsiteFebruary 21–24, 2026Kansas City Convention Center400+ exhibitors45+ hours of educationInnovation Stations and live demonstrationsOne of the biggest values of Exchange: the people you meet—and the problems you solve togetherGrain Elevator and Processing Society champions, connects and serves the global grain industry and its members. Be sure to visit GEAPS' website to learn how you can grow your network, support your personal professional development, and advance your career. Thank you for listening to another episode of GEAPS' Whole Grain podcast.

with Damion Chaplin. Monday at 9:30pm ET

Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Russell Gray  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre. Or or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

In this episode, Jay Nakashima, President of eHealth Exchange, discusses how modern data standards and trusted networks are transforming payer provider information sharing, reducing reliance on fax and manual processes. He also shares where inefficiencies persist, how interoperability can lower administrative costs, and what policy changes could improve affordability and access.

This week I'm feeling extremely pop-culture-brained because my fav show Industry is back, and if you think it's just a show about finance…I'm here to inform you it's actually a horror story about work.  We're talking: ambition with zero guardrails, power with zero accountability, jobs becoming entire identities way too early, and the whole nine yards. From an HR lens, it's equal parts fascinating and deeply unsettling, but there are plenty of valuable takeaways nonetheless! I brought back my fellow Industry lover and friend, Dave Garcia, to unpack what the show gets right, what it exaggerates, and why it feels uncomfortably familiar.  Quantum Workplace helps leaders build thriving teams that fuel business success. We give leaders at every level a clear path forward—by unlocking critical talent insights across engagement, performance, and development. With clarity and confidence, people leaders can act decisively, scale leadership quality, and strengthen connection and performance.  Trusted by thousands of people-focused companies, Quantum Workplace makes it easier to keep teams aligned, empowered, growing, and valued on the path to business success. Visit ⁠quantumworkplace.com⁠ to learn more. 00:04:17 - How Hebba and Dave Started Watching Industry 00:05:37 - One New Thing Dave Wants to Learn This Year 00:08:17 - What Industry Says About Work, and Why We're Talking About It 00:20:38 - How Grind Culture Reveals Socialized Dysfunction 00:31:06 - Accepting Status in Exchange for Safety 00:38:53 - How Power Affects Corporate Dynamics 00:49:32 - What Industry Gets Right About How Meritocracy Actually Works 00:59:57 - The Critiques of Hustle Culture 01:08:20 - What Industry Reveals About What Most Workplace Conversations Avoid 01:13:01 - Uncomfortable Conversations Industry Might Force You to Have And if you love I Hate It Here, sign up to Hebba's newsletter! It's for jaded, overworked, and emotionally burnt-out HR/People Operations professionals needing a little inspiration. https://workweek.com/discover-newsletters/i-hate-it-here-newsletter/   And if you love the podcast, be sure to check out  https://www.youtube.com/@ihateit-here for even more exclusive insider content!   Follow Dave: LinkedIn: https://www.linkedin.com/in/nycddg/   Follow Hebba:  YouTube: https://www.youtube.com/@ihateit-here/videos LinkedIn: https://linkedin.com/in/hebba-youssef Twitter: https://twitter.com/hebbamyoussef

Ever thought it might be possible to stay in Paris for 20 nights without paying rent? In this episode, Annie Sargent chats with Liz Van Montfort, a traveler who's cracked the code on home exchange—the savvy way to explore France (or anywhere!) without breaking the bank. Liz shares how she spent three weeks in a Parisian apartment during the Rugby World Cup using Guest Points, plus a night in a 17th-century Dijon hotel, all while avoiding Airbnb's pitfalls. Listen to this episode ad-free Liz breaks down the two types of home exchanges: reciprocal swaps (you stay in their home, they stay in yours) and Guest Points, a flexible system where you earn points by hosting others and spend them on stays worldwide. No fancy house required—Liz's Christchurch townhouse (complete with a communal pool!) has attracted exchanges from Sydney to Provence. She reveals how to prep your home, from welcome booklets to leaving local treats, and why guests often leave the place cleaner than they found it. But why ditch Airbnb? Liz's Barcelona nightmare—stranded with luggage after a last-minute cancellation—will make you think twice. Home exchange offers verified members, insurance, and backup plans if things go wrong. Annie adds that it's perfect for slow travelers, families, and anyone tired of tourist traps. You'll live like a local, with kitchens, laundries, and neighborhood cafés at your fingertips. After the chat, Annie dives into Paris 2026 updates: the Tour Triangle skyscraper, Louis Vuitton's Champs-Élysées hotel, and the Place de la Concorde's pedestrian makeover. Whether you're planning a trip or just love armchair travel, this episode is packed with insider tips, cultural gems, and budget-friendly hacks. Subscribe to Join Us in France on your favorite podcast app to get more hidden travel secrets, cultural deep dives, and off-the-beaten-path adventures. Your next French escape starts here! Table of Contents for this Episode [00:00:15] Introduction and Welcome [00:00:29] Today on the podcast [00:01:09] Podcast supporters [00:01:44] Magazine segment [00:02:35] Home Exchange with Liz van Montford [00:02:50] Home Exchange Experience in France [00:05:04] Types of exchanges [00:05:12] Types of Home Exchanges [00:06:42] Benefits of Home Exchange [00:08:12] Starting with Home Exchange [00:09:51] Managing Home Exchange Logistics [00:11:09] Personal Stories and Experiences [00:13:53] Preparing Your Home for Exchange [00:19:56] Unexpected Situations and Flexibility [00:20:58] Airbnb vs. Home Exchange: Cost and Convenience [00:21:19] Creating a Comprehensive Welcome Booklet [00:22:11] Pet Care During Home Exchanges [00:22:59] History and Evolution of Home Exchange [00:24:45] Membership and Insurance Benefits [00:25:58] Airbnb Experiences: The Good and the Bad [00:31:34] Challenges with Airbnb in France [00:34:57] Who Should Consider Home Exchange? [00:35:46] Preparing Your Home for Exchange [00:37:28] Final Thoughts and Future Plans [00:38:37] Thank You Patrons [00:39:30] VoiceMap Tours [00:40:29] Tour Triangle [00:41:53] Louis Vitton Hotel in Paris [00:43:34]  The Parc de la Villette [00:44:10]  Place de la Concorde [00:45:10]  The Tour Montparnasse [00:48:15] Next week on the podcast [00:48:37] Copyright More episodes about budget travel in France #JoinUsInFrance, #FrancePodcast, #TravelFrance, #FrenchCulture, #ExploreFrance, #DiscoverFrance, #FranceTravelTips, #RealFrance, #Francophile, #FranceAdventures, #HomeExchangeSecrets, #TravelForFree, #SlowTravelFrance, #LiveLikeALocal, #ParisTravelTips, #AffordableFrance, #HiddenFrance, #TravelHacks, #AuthenticTravel, #BudgetTravelFrance

Empathizers and Instigators operate like the left and right sides of your brain. This means you're only using half of the strengths already inside of you to successfully navigate life. This dad-daughter podcast will show you how to unleash your potential by mindfully adopting and practicing the strengths of your opposite type.

Anton Daniels And Corey Holcomb Heated Exchange on Politics!

Foreign exchange student Diren Dede's dream to study in America came true when he started his junior year at a Montana high school. When he takes a midnight walk with a friend, a Saturday night turns into a tragedy. Josh Mankiewicz reports.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.