Podcasts about existing

Brian Beers (Replay Jan 2023) brings in 36 million + In Revenue from his 30+ franchise locations. Today we discuss the pros, cons, and cash-flow of franchises!https://www.brianbeers.com/Want To Quit Your Job, Build Your Own Business, And Travel / Impact The World?Check Out The Action Academy Community / Schedule A Free Intro CallLearn How To Buy Real Estate & Businesses In 5 Minutes Per Week:Join Our Weekly Newsletter Follow Me As I Travel & Build:Twitter @theactionpodIG @brianluebbenTiktok @brianluebben

Erica and India discuss their intentions for the shows Pause on the Play® and Flaunt Your Fire®.  After nearly 300 combined episodes, they pause to explore how to use them as continued resources and how to stay in the loop about future projects.Ready to dive deeper?Keep in touch and find out what we're up to at pauseontheplay.com

Guest: Jâlie Cohen, Group SVP and Head of Global Talent at The Adecco Group Is the 'September Surge' actually happening in 2023 or is it just optimistic buzz? And who is currently driving the talent marketplace – Existing employees, prospective talent, or the employers? In this latest episode of the HR Works Podcast, we check on the pulse of the hiring market and examine the current buzz surrounding 'September Surge' with Jâlie Cohen, The Adecco Group's Group SVP and Head of Global Talent. An expert in leading talent acquisition and the talent experience initiatives, Jâlie shares her great insight on unique trends from the current talent pool and offers valuable advice to HR and talent acquisition leaders on where they should be investing their resources to be most-effective in the final months of 2023.

Welcome to the Rialto Marketing Podcast. Today's episode is a Revenue Acceleration Series Interview where we talk to seven-figure B2B professional service firm owners that are actively trying to grow their business and get to the next level. We talk about the good, the bad, and the ugly so that you can learn from their experience.

This week we're highlighting an interview Dedeker did on Rachel Krantz's show, Help Existing. Rachel is also the author of Open: An Uncensored Memoir of Love, Liberation, and Non-Monogamy. Rachel and Dedeker have a great conversation about boundaries, covering topics like, How do you figure out what your boundaries are? How should you go about communicating boundaries in a way that is both firm and compassionate? How can you remain flexible and open to change without having porous boundaries? Do the same strategies apply to both familial and romantic relationships? Make sure you check out more of Rachel's show! Get hair care that is completely customized to your hair and your life AND get 15% off at Prose.com/multiQuality lube is essential for good sexual experiences. Try our absolute favorite, Uberlube and get 10% off plus free shipping with promo code MULTIAMORY Learn more about your ad choices. Visit megaphone.fm/adchoices

Erica and India discuss their intentions for the shows Pause on the Play® and Flaunt Your Fire®.  After nearly 300 combined episodes, they pause to explore how to use them as continued resources and how to stay in the loop about future projects.Ready to dive deeper?Keep in touch and find out what we're up to at pauseontheplay.com

With new client acquisition at an all-time low, it's more important than ever to focus on growing your existing client base. In fact, 60 to 70 percent of your net new revenue should now come from existing clients to continue being profitable. This means it's time to teach your AE's how crucial it is to know how to navigate agency math, foster agency growth, and sell new, innovative ideas to your existing clients. Many AEs don't realize it's their job to do these tasks, which means there's room for improvement from agency owners to teach them these skills so your agency can continue to grow in a difficult economic time. In this episode, we'll cover topics like the roles AEs play in agency growth and growing existing clients, how to adjust your work scope over time to remain profitable, the importance of bringing innovative ideas to your clients, and many more actionable items for your team to learn and grow from. A big thank you to our podcast's presenting sponsor, White Label IQ. They're an amazing resource for agencies who want to outsource their design, dev, or PPC work at wholesale prices. Check out their special offer (10 free hours!) for podcast listeners here. What You Will Learn in This Episode: How to get 60 to 70 percent of your net new revenue to come from existing clients The cost of acquiring new clients over growing existing ones How to adjust a growing work scope with a client over time The importance of teaching AEs agency math and how we make money Where AEs need to step up to help grow the existing client base Allowing clients to talk about the problems they need to be solved How we frustrate our clients by being too timid Being a catalyst for bringing experts together to solve your client's problems

This Podcast Is Episode Number 542, And It's About What Is A Fractional CFO And How Can It Help Your Construction Business? A fractional CFO, or Chief Financial Officer, is a finance professional working part-time, retainer, or contract. They bring the experience and expertise of a high-level CFO to your business – without the cost of hiring a full-time, in-house employee.   Fractional CFOs service several clients simultaneously, typically on a part-time, retainer, or contract basis. Their specialty is providing outsourced CFO services to small and medium businesses.   Because their financial management skills are so well-developed, it's common to bring one on board to help navigate a challenge.   Every construction business can benefit from dedicated financial management expertise, but very few small companies have the means to hire someone full-time—particularly in the lean early years.   Unfortunately, it's those first few years when a company is just starting up that establishing good habits with managing financial resources is so important, and, over time, can even make or break a construction business.   Outsourcing a CFO is affordable for business owners like you who recognize the need for a financial expert with construction business experience. CFOs provide top-level advice when needed, offering incredible value and cost savings to companies focused on growth and long-term success. But what happens when you hire a CFO without a construction business experience? At the very least, you and your CFO would constantly struggle between having all the documents needed for data entry and providing the tools to the Bookkeeper to deliver the reports correctly. As a construction business owner, you want answers to the following questions: Am I making any money? Where am I making any money? Why isn't there a report that gives me all the answers at the push of the button? Furthermore, a financial challenge sometimes comes beyond your team's skill or experience level. This is where a fractional construction CFO can be of great benefit. Some of the issues they assist with include: Cash flow problems High expenses Existing systems that are no longer working Cost-cutting analysis Getting through an audit Hopefully, these situations don't come up often, but when they do, it's beneficial to have an expert on your side to guide you through. Your small construction business might want to consider the benefits of working with a fractional construction CFO. Achieving goals A fractional CFO can help you realize your dreams by deciphering the numbers. They will look at where you are now and help you plan where to go next. This includes: Ensuring the books are in order Performing financial forecasts Helping with strategic relationships Overseeing due diligence There are plenty of ways a fractional CFO improves your operations. The specific skills and experience they provide will clarify your situation and help you achieve what you want. Managing growth Taking your construction business to the next level can seem daunting. You want to grow but don't want to risk your success by taking on too much or making a damaging misstep. A CFO will help you navigate the steps ahead. If you're already growing at a rate that makes you feel like losing control, they will help you retake the reins. A fractional CFO will help by: Breaking down large amounts of financial information into helpful data Making a plan to develop existing employees and their skills Identifying the need to hire new employees to manage growth Implementing systems that will work in the future Exploring causes of revenue loss and cost overruns and developing solutions to address them Ultimately, a fractional CFO is helpful to guide you through the growth process so that you can feel confident as your business expands. High-level decision making A CFO can analyze your construction company finances and provide expert advice to help you make more informed, strategic decisions for ongoing profitability. That senior-level financial oversight can help you understand any risks or weak spots, identify opportunities, and create a realistic and actionable business plan that steers the company precisely where you want it to go. Managing risk Your business is an asset that needs protection from any potential risk that may threaten its ongoing success. A fire or flood, cyber attack, or employee theft can all cause long-term damage if you don't protect your business. A CFO can undertake a risk assessment and ensure that you invest wisely, have appropriate insurance, and secure sensitive data, equipment, and inventory. Field tools are a given. The truck has a rack for ladders and lumber. Vans have shelves and bins; they are tall enough to stand in, saving wear and tear on employees' knees. Less strain on knees can keep or postpone possible Worker's Compensation claims. Worker Comp claims lead to increased premiums. Once the Tools and Equipment are updated, it is much easier to see which employees are productive. In the Field – Who is bringing their jobs in on time, under budget is reasonable. Jobs without warranty work and signing billable change orders add to the bottom line. Simple Efficiency is a "Win-Win" for everyone: The Contractor Owner receives the reports needed to make good, proactive decisions. The CFO has a smooth-running operation and can focus on the "Money Management" duties necessary to run the business. The Office Manager or Bookkeeper can efficiently enter the day-to-day paperwork into the QuickBooks file, answer the phones, and complete other daily tasks without frustration. The Field Staff know they have turned in all their paperwork (paper and digital) in a timely fashion with limited stress and are greeted warmly by the Office Manager or Bookkeeper. Everyone is ending their day on a "Happy Friendly Note" and looking forward to tomorrow. Everyone Wins When: 1. The Contractor Owner knows the accounting records are accurate and can make decisions 2. The CFO can be confident that clients are billed, and no one is paid twice. 3. The Office Manager or Bookkeeper can easily track Job Costing and Timecards 4. The Field Staff stays on top of the job and gets signed Change Orders 5. The Customer is happy with an excellent job without any warranty work. Final thoughts When you hire a fractional CFO, you decide how often their services are required and only pay for the services you need. Hiring a financial expert on contract is a cost-effective solution for construction businesses that only need part-time support. Staying on top of your company's financial management is a struggle for many small business owners, who spend much time attending to clients and profit-generating activities. Working with a team of accountants, bookkeepers, and a CFO can help you better manage the most critical aspect of your business for ongoing growth: your bottom line. About The Author: Sharie DeHart, QPA, co-founded Business Consulting And Accounting (Fast Easy Accounting) in Lynnwood, Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations. She offers insights on managing the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. Call 1-800-361-1770 or sharie@fasteasyaccounting.com  

Learn how Kevin Bates, founder of Sharp Development Company, uses holistic, integrated design to profitably retrofit existing buildings to net zero energy with a strong emphasis on health and wellness for occupants with Liz Beardsley, USGBC Senior Policy Counsel.

We see a lot of homes in all the work we do and in some of the remodels there are some things that you're just inheriting. When you purchase a home like this, you have to get really good at planning because it's not inexpensive to redo the various things you want changed, but there's a lot of architecture and a lot of things you wouldn't do today, but they did yesterday. So now it's your turn to make it right and we think the majority of people are likely in this position who are listening to our podcast right now, so listen in as we give our opinions and expertise on what you should do when you inherit architecture.    Inheriting architecture 9:10 Custom built-ins with little budget 11:05 Older homes and what's so great about them 20:45 Analyze the way that you live 22:00 A mid-century jewel and pulling fashion in 31:15 Sometimes you will need to start over 34:10 Celebrate the good 38:05 Making existing architecture yours 41:15   “What do you do when you have custom built-ins in the home you purchased and you don't have the budget to rip it out and rebuild it? How to repurpose, optimize, camouflage, style, paint? Here's my dilemma, a built in structure between two pillars that separate the kitchen and family room.” 11:16   https://www.instagram.com/alicelaneinteriors/ https://www.instagram.com/alicelanehome/ https://alicelanehome.com/ https://www.facebook.com/AliceLaneHome https://www.pinterest.com/alicelanehome/ https://www.youtube.com/alicelanehomecollectionsaltlakecity News Letter:  https://manage.kmail-lists.com/subscriptions/subscribe?a=HZENWY&g=PFcqV5

Dr Rachel Slaymaker, Research Officer with the Economic and Social Research Institute (ESRI), discusses the findings of today's report into continuing tenancies.

Interview with Charles Funk, CEO, Heliostar Metals (TSXV:HSTR)Our previous interview: https://youtu.be/qxDRMLFxue8Recording date: 18th September 2023HelioStar Metals CEO Charles Funk provided an update on the company's Anapola gold project in Mexico in an interview at the recent Denver Gold Forum conference. Funk highlighted the project's potential to host 1.5-2 million ounces of high-grade gold resources.Funk noted that HelioStar acquired the Anapola project in early 2022 and believes it can become the next major gold mine in Mexico. Recent drilling has intersected exceptionally high grades, with 100-130 meter intercepts averaging 5-8 g/t gold and including 50 meter intercepts up to 10-15 g/t gold. Mineralization has been traced over 280 meters of strike length and remains open.The deposit benefits from over $75 million in previous exploration spending. Existing infrastructure includes roads, power, a processing plant, and a permitted open pit and underground decline. The underground potential has become the focus, given the exceptional grades encountered.Over the next few months, HelioStar is expecting metallurgy results and a resource update focused on the high-grade underground zones. The resource could outline 1.5-2 million ounces grading over 5 g/t gold. Early mining would target diluted head grades around 8 g/t gold.Given the growth potential, HelioStar now plans to complete a PFS in 2023 before moving to a full FS in late 2023 or 2024. This will allow more drilling to expand resources before finalizing development plans. The timeline to potential production has been pushed back by 3-6 months but remains on a fast track.On the permitting side, the existing open pit permits provide a head start. Funk sees a 12-month timeframe to obtain underground mining permits. Community engagement and social license activities are also well advanced.The Anapola project's combination of high grades, strong economics, existing infrastructure and permits gives HelioStar confidence it will become Mexico's next major gold mine. The upcoming catalysts of metallurgy, resource update and economic studies will further demonstrate the potential value as the project is advanced toward a production decision.—Learn more: https://cruxinvestor.com

Need more leads? Well, on this episode Rich talks about getting more juice out of the leads that you are already getting.

Comedic actor, producer, and writer Rainn Wilson visits Google to discuss his book “Soul Boom: Why We Need a Spiritual Revolution.” The book is a deep-dive into the problem-solving benefits that spirituality gives us to create solutions for an increasingly challenging world. The trauma that our species has experienced in recent years is not going away anytime soon. Existing political and economic systems are not enough to bring the change that the world needs. In this book, Rainn Wilson explores the possibility and hope for a spiritual revolution, a “Soul Boom,” to find a healing transformation on both a personal and global level. For Wilson, this is a serious and essential pursuit, but he brings great humor and his own unique perspective to the conversation. He feels that culturally, we've discounted spirituality, and we need the wisdom that the great spiritual traditions can provide. Wilson's approach to spirituality—the non-physical, eternal aspects of ourselves—is relatable and applies to people of all beliefs, even the most skeptical among us. Visit http://g.co/TalksAtGoogle/SoulBoom to watch the video.

Rich Harshaw from Level 10 Contractor talks about getting more sales from the leads you already have!

The location of the third precinct in Mpls remains in question. Just repair the existing one and you're done. Tiny homes could help put a dent in homelessness. The mayor will not be able to handle the arrival of the Civilian Climate Corps. Heard On The Show: ‘Time is of the essence': Frey urges decisiveness from City Council on 3rd Precinct site Henry Boucha, Minnesota hockey legend, Warroad icon, dies at 72 Zelenskyy: Russia is weaponizing food, energy and children in its war against Ukraine Learn more about your ad choices. Visit megaphone.fm/adchoices

The Fed can raise interest rates, but they cannot create housing supply.  Housing intelligence analyst Rick Sharga joins us for the second week in a row. This housing market is awful for primary residence homebuyers. But at GRE Marketplace, you can still buy income properties with rates as low as 4.75%. Rick tells us that the most prosperous markets now favor the: Midwest and Southeast, single-family homes, rental property investors with buy-and-hold strategies. National home prices are appreciating modestly. Home sales volume is still down. Investors now account for more than one-quarter of property purchases. Mortgage delinquencies are near an all-time low. Rick and I discuss why this market is so bad for flippers.  High homeowner equity positions ($300K+) support this housing market.  Timestamps: The impact of rising mortgage rates [00:02:37] Discussion on how the Federal Reserve's raising of short-term rates has caused mortgage rates to go up, affecting the housing market. The affordability challenge [00:03:38] Exploration of the impact of higher mortgage rates on homebuyers, particularly first-time buyers, and the decrease in affordability. Low supply of homes [00:08:48] Analysis of the low inventory of homes for sale, with a decrease of 9% from the previous year and 47% from 2019, leading to a challenging market. The mortgage rate lock in effect [00:11:05] Discussion on how the mortgage rate lock in effect can crimp demand but cannot create supply. Hottest markets in the Midwest and Southeast [00:11:05] Analysis of the hottest real estate markets in the Midwest and Southeast regions of the United States. Positive turn in home price appreciation [00:13:06] Explanation of how home price appreciation went down but has recently turned positive again. Housing Permits, Starts, and Construction [00:21:24] Discussion on the trends and levels of housing permits, starts, and construction, and the need for builders to increase production. Investor Activity in the Residential Market [00:22:28] Exploration of the percentage of home purchases made by investors, with a focus on small and medium-sized investors and the misconception of institutional investors dominating the market. Delinquencies and Foreclosures [00:24:36] Analysis of mortgage delinquency rates, foreclosure activity, and homeowner equity, highlighting the low delinquency rates, the presence of equity in foreclosed homes, and the importance of early-stage foreclosure sales. The future direction of rents [00:32:00] Discussion on the potential upward pressure on rents due to low affordability and high homeownership rate. Inventory coming to the market [00:33:03] Exploration of the impact of expensive inventory coming to the market and its effect on rent prices. The overall economy and housing market [00:34:03] Consideration of the possibility of a recession, unemployment spike, and foreclosures affecting the housing market. The coach's role in finding real estate deals [00:43:06] Explanation of how an investment coach can help you find the best real estate deals in the marketplace. Advantages of buying properties from marketplace [00:44:20] Reasons why buying properties from marketplace can lead to good deals, including lower prices and absence of emotional seller involvement. Resources mentioned: Show Notes: www.GetRichEducation.com/467 Rick Sharga's website: CJPatrick.com Rick Sharga on X (Twitter): @RickSharga Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Hold a terrific discussion today on the direction of the housing market, including lessons that you can learn for all time plummeting home sales volume and direly low home inventory. Why home price appreciation is taking place now. Could the government soon penalize you for owning too many rental properties? What's the best place for a real estate investor to position themselves in this era? And more today on Get Rich Education.   (00:00:33) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   (00:00:56) - Walking from Horseheads, New York to Nags Head, North Carolina, and across 188 nations worldwide. I'm Keith Weinhold. And you're listening. To get rich education, you are going to get a fantastic market update today. And along the way, you'll also learn lessons if you're consuming this 5 or 10 years from now. Our expert guest was with us last week to discuss the economy. This week, it's episode two of two as we discuss the real estate market.   (00:01:25) - He has been the executive VP of markets at some of America's leading housing intelligence firms, and today he's the founder and CEO of Patrick Company, either a market intelligence firm for the real estate and mortgage markets. And he has 20 plus years of experience in those industries. It's the return of Rick Saga Part two of two. It's not imperative that you listen to last week's Part one of two that we can help you see the big picture. Enjoy this long, unbroken interview and then after the break, I'll come back to close it. Just you and I. We're talking with Rick Sagar, expert housing analyst, previously. We talked about the general condition of the economy. And now Rick and I are going to break down the housing market with what's happening there. There's so definitively connected. Keith One of the things to that the Federal Reserve has done by raising those short term rates is caused mortgage rates to go up, right? Mortgage rates tend to run loosely in line with the yields on the ten year US Treasury bonds that we talked about at the end of the first segment.   (00:02:37) - Those are now up around 4%. And typically a 30 year fixed rate mortgage will be between one and a half and two percentage points higher than that yield. So in a normal market, we'd be looking at a mortgage rate today of about five and a half to 6%. Instead because of the risk and the volatility that the market is pricing in because they're not sure what the Federal Reserve is going to do next. We're looking at mortgage rates for a 30 year fixed rate loan of over 7%. The most recent numbers from last week from Freddie Mac, we were at almost 7.2% on that average, 30 year fixed rate loan and 6.5% on a 15 year fixed rate loan. You and I were talking before the show and and you know, historically speaking, if we keep these things in context, we're still actually below the 25 year average, which was 8%. But we have a whole generation of homebuyers who've come of age during the period of the lowest mortgage rates in the history of the country. They got spoiled, they got spoiled.   (00:03:38) - And to be clear, it's one of the reasons that home prices rose as rapidly as they did and got as high as they are is because you could afford to make monthly payments with a two and a half, three, 3.5% mortgage. Now, you still have home prices about as high as they were then, and you have a mortgage rate that's doubled. And for most home buyers, particularly first time home buyers that make your monthly mortgage payment was going to go up by 45 to 60%. And most of us didn't get that 45 to 60% raise last year. It really had a huge impact on affordability. In fact, this is such an unusual occurrence that according to Freddie Mac, it's the only time in US history when mortgage rates doubled during a calendar year and they didn't just double in a calendar year. Keith They doubled in the space in a few months. It was that kind of systemic shock to the system that really hit the housing market as hard as it did. Right. And they've also nearly tripled in a pretty short period of time.   (00:04:35) - Yeah, they really have. And again, going back historically speaking and and get this from Gen Z folks and millennials, when I talk about, you know, the old days of mortgage and I do remember my first mortgage had two numbers to the left of the decimal point. I forget if it was 11 or 12%, but it was something like that. And they basically say, okay, Boomer, but that 11% mortgage was on your $70,000 house, Right. And not, you know, today's median priced home of $430,000 or whatever it is. So it's a fair point. Mortgage rates are not high, historically speaking, but that monthly cost, because of the combination of home prices and higher interest rates, is choking some people and making affordability a problem. And because of that, one of the forward looking metrics that I take a look at is the purchase loan mortgage application index from the Mortgage Bankers Association. So this is the number of people that are applying for loans with the purpose of buying a house.   (00:05:35) - They're off almost 30% on a year over year basis right now. You can see without straining your eyes at all the impact that these higher mortgage rates are having on the housing market. And we had almost record numbers of purchase loan applications from the time people who are allowed out of their house during the pandemic until these mortgage rates doubled from 2020 through the early part of 2022, mortgage rates were in the threes and fours and sometimes even in the twos. Yeah, everyone wants to talk about mortgage rates and it is an important discussion to have here at Marketplace with our investment coaches. Rick Some builders, as you know, they commonly offer rate buy down incentives to buyers of new homes. And what some of our providers are doing here, Rick, is we have one builder where if you use their preferred lender, they're buying down your income property's mortgage rate to 5.75%. And we have another builder where if you use their preferred lender, they're still buying down your mortgage rate to 4.75%. And of course, with Non-owner occupied property here, you know, previously you had talked about mortgage rates in excess of seven.   (00:06:47) - They might normally be about 8% for non owner occupied property, but you're able to buy them down to five and three quarters or even four and three quarters with one of our providers for new builds right now, that's a great deal and your listener should really be taking advantage of those opportunities. We'll get into new homes in a few minutes and what we're seeing builders do for consumers, But have to tell you, those numbers are better deals than consumers are getting right now. And you're being generous when you're talking about private lending rates right now. Most of the lenders I'm familiar with are nine, ten, 11%, depending on the nature of your investment. So your folks are getting a great deal with those rates. We talked about purchase loan applications. The other advanced predictor I look at is pending home sales. These are people that are entering into contracts. The deal hasn't been closed yet. Has it been recorded yet? This comes out from the National Association of Realtors. And those numbers are down on a year over year basis as well.   (00:07:42) - There's a lot of rate sensitivity in the market, though, Keith. And if you go back to March when rates went down just a fraction of a percent, we saw more purchase loan applications. We saw more pending home sales. But as rates have climbed back up over seven, we've seen both of these metrics go down. Yeah. So we're talking about pending home sales. We're talking about sales volume that's down in this discussion, not sales price. And anyone might be hard to say, but when you see sales volume that's down, including pending sales, how often is that due to worse affordability and how often is that due to low supply of homes? Why don't we jump right into that? Keith That's a great segue. And this is a very difficult time in the housing market because it has both of the factors that you just mentioned, two very difficult headwinds for the market to try and overcome. And and we'll get into details on both of those in just a minute. Because of that, existing home sales were down in July and they were down pretty significantly on a year over year basis, about 16%.   (00:08:48) - And that's the 23rd consecutive month where existing home sales were lower than they were the prior year. January was the lowest month of sales this month, and it broke a streak we started this year. I was forecasting that we'd see between 4.3 and 4.4 existing home sales. That's down from about 5.2 last year in about 6.1 million the year before. Right now, we're trending at a little over 4 million existing home sales for the year. So even my relatively low forecast for the year may have been overly optimistic. You mentioned inventory and inventory is a huge headwind for the market. Inventory of homes for sale today is down about 9% from where it was a year ago. It's down 47% from where we were in 2019, which was probably the last normal year we've had in the housing market. In a normal year, we would be looking at about a six month supply of homes available for sale. That's what economists or housing market analysts will look at as a balanced market balance between supply and demand. We're at about two and a half months supply right now nationally and in many states it's much lower than that.   (00:09:56) - So there's just not much out here. And the only reason the inventory number looks as good as it looks and it doesn't look very good is because it's taking a little longer to sell properties once they hit the market. If you were looking at new listing data, it's even worse. There's very little inventory coming to market in the way of new listings, and that's because of the rate increases we talked about a minute ago. 90% of borrowers with a mortgage have an interest rate on that mortgage of 6% or less. 70% have an interest rate of 4% or less. If you're sitting on a mortgage rate of 3.5% and you sell your house and buy a house at the same exact price with a 7% mortgage, you've just doubled your monthly mortgage payment. It's not that people psychologically don't want to trade a low rate for a high rate. There's a financial penalty for them doing so. And until we see mortgage rates come down a bit, probably into the fives, we're just not going to see a lot of inventory coming to market except for homeowners who need to sell or have so much equity and maybe you're going to downsize into a smaller property that they don't care about that kind of shift.   (00:11:05) - Yeah, that is the mortgage rate lock in effect. Perfectly explain. And the Fed with the raising rates, they can crimp demand. But one thing that the Fed cannot do is create supply. As much as you might like to see Jerome Powell in work boots with a nail gun, that just doesn't happen. There's an image for you, for your listeners. Yeah, and I'm not sure I'd want to. I'd want to live in that house. That's not Chairman Powell building, but inspection. Yeah. Good economist. Maybe not a carpenter. We were talking about this a little bit earlier, too. And if you're an investor, this is probably worth noting, whether you're a fix and flip investor or investor who's buying properties to rent out a lot of the interest. This is from the sharing some data from Realtor.com and they've taken a look at where people are searching for properties and where transactions are taking place and they're finding that Midwest Southeast are really the hottest markets, places that are a little off the beaten path, you know, places in New Hampshire and Connecticut and Maine and Ohio and Wisconsin.   (00:12:06) - But interestingly, some of the markets that had been suffering a little bit, they're starting to see a little more interest in whether it's California, but off the coast or markets in Colorado or Washington state. But clearly, a lot of the activity, a lot of the money is moving into the Midwest, in southeast. That's right. With the work from anywhere trend, you might see this small flattening and not as much of a disparity in home prices between markets. You're certainly still going to see that, but that can just help create a mild flattening when it doesn't matter where you live anymore and you can go ahead and purchase in lower cost markets. Yeah, and what I'm sharing now is national home prices, home price. And I'm glad you mentioned what you just did, Keith, because the fact of the matter is this has been a very localized correction. And if you're in San Francisco or San Jose, if you're in Seattle, if you're in Austin, if you're in Phoenix, you're in markets where prices are off 10% or more from peak.   (00:13:06) - If you're in Boise, Idaho, you're off more than 10% from peak of Boise had oil prices go up by 47% in a single year, a year or so ago. So he just overshot the mark. One of the reasons the national numbers don't show more volatility is because of what Keith just mentioned. It's because people are trading in where they are in a high price, high tax state moving into a lower price state and candidly outbidding local buyers and probably overpaying a little bit for those properties. So you're seeing home prices go up in some of those less expensive markets much more rapidly than they would under normal circumstances. And what we're talking about here is national home prices that are appreciating at a modest rate now. Yeah, and they are. So if you look at whether you're looking at the Case-Shiller index, it gets published monthly or the National Association of Realtors data. We saw home price appreciation start to go down last year. It was still positive but going down and that was true until pretty much the end of the first quarter this year when the data went negative for the first time in years.   (00:14:15) - So we were seeing on both a month over month and year over year basis home prices go down and that happened until June, June, things flatlined in July. Prices actually went up ah, year over year. So if you're looking at the median home price compared to the peak price a year ago, it's actually up about 1% from where we were last year, which is kind of amazing. The Case-Shiller index is a little bit of a lagging indicator and it rolls three months together, but it also started to turn the corner with its July report. So after almost a full year of price appreciation coming down and prices in decline, we've seen both of these indexes turn and are starting to go positive. It does show you that there continues to be demand for properties that are brought to market. And while home price appreciation certainly isn't soaring by any means, it's back in positive territory now. And that's something that a lot of people hadn't predicted this year. When the supply of homes is this low, it keeps generating a few bids for any available home.   (00:15:21) - Now, not as many bids as it did back in 2021. But besides generating bids, you have these huge population cohorts of millennials and Gen Zers that are growing, and they're in their prime homebuyer years moving through the system to go ahead and place those bids and keep just modest home price appreciation here lately. That's sort of how I see it. Rick If you want to add any color or thoughts to that, I think you're spot on. Keith It's the largest cohort of young adults between the ages of 25 and 34 in US history. That's prime age for forming a household. 33 to 34 is the average age of a first time buyer right now. And so these people would like to buy a house. And for people who are investing in single family rental properties in particular, at least short term, the affordability issue is something that definitely works in your favor. If somebody was looking to buy a house, they might prefer to rent a house rather than rent an apartment. I've read research that shows somewhere between 20 and 30% of people who had planned to buy have decided to rent for the next year or two while market conditions settle down or while they can put aside more money for a down payment.   (00:16:27) - These market conditions are playing in favor of people who have rental properties to offer. One other metric I'd like to share in terms of home prices, Keith is the FHFa puts out its own index. FHFa is the government entity that controls Fannie Mae and Freddie Mac. So these are your conventional bread and butter, vanilla kind of 30 year fixed rate loans. If you look at their portfolio, home prices are actually up 3.1% year over year. And every sector of the country is showing positive rice appreciation except for the Pacific states and the mountain states. And those are some of the markets we talked about earlier. And even those are very close to breaking even at this point. So HFA breaks it into about ten regions, nine of those ten currently appreciating year over year. Yep, something like that important for you to know again as an investor as to what's happening in your region. Again, whether you're you're planning to sell the property or rent it out. You talked about what builders are doing for your investor folks.   (00:17:28) - Yeah, we're seeing new home sales actually improving to consumers as well for a lot of the same reasons, incentives. So a lot of builders are coming to the closing table with cash. They're paying points on mortgages and getting those rates down where they're short term or long term. They're offering discounts, they're offering upgrades to properties. And so new home sales are still down, but just slightly on a year over year basis and have actually been beating last year's numbers for the last four months. My original estimate for new home sales this year was about 600,000. I think we're going to probably coming closer to 675,000 this year. And the only reason we won't sell more is because the builders aren't building that fast enough. But one of the reasons people are buying these new homes is because that's what's on the market today. People would have bought an existing home, can't find one. Here's the other factor. New home prices are down 16.4% from last year's peak. Now, this is informative. Think this would surprise a lot of people? Well, it surprises me.   (00:18:28) - It should surprise people because new home prices almost always go up, right? This does not mean builders are discounting homes 16.4%. What's happening is they are building less expensive homes, They're less expensive per square foot, and they're building smaller homes. And they're doing that in acknowledgement of the higher cost of financing. That also, by the way, is in sending people to look at these properties as either a starter home or a minor move up kind of property. But it is one of the reasons why new home sales are doing better than existing home sales right now on a percentage basis. That's an interesting number, Rick. A few weeks ago, I shared with our newsletter audience that builders are building homes smaller and closer together, which might be reflected in lower prices, but just didn't think it would be 16.4% lower from peak. Now, if you're doing year over year, it's probably not that big of a drop, but from the peak price we are off. And it is to your point, it's a pretty significant number.   (00:19:26) - It would be a problematic number if it was the existing home market, right, because then you'd be looking at the same property being worth 16% less. But a builder can kind of play with those numbers a little bit. Single family housing starts after falling for quite a while, are now back going back up only slightly from where they were a year ago, but they are moving in the right direction. Multifamily starts have actually tailed off a little bit after reaching record high numbers. There could be as many as a million apartment units coming to market this year. Yeah, which would be an all time record. So we've seen building on those multifamily units slow down a little bit. If you look at at new home starts for single family properties still below where they were a year ago. But again, for the first time in quite a few months, starting to trend up. A couple of things to share with your viewers here, Keith. In terms of construction, we're seeing construction continue to grow in the multifamily market because of all the starts we saw previously.   (00:20:23) - We are seeing single family construction slowed down, but that's because the builders are working their way through a glut of homes that was under construction. So we had a really weird happenstance about a year ago, a little over year, we had the highest number of homes under construction ever. And this data goes back to the early 1970s, and we had the lowest number of completed properties available for sale ever. And a lot of that was due to supply chain delays and to labor shortages. And over the last year to 15 months, the builders have gradually begun working through this glut of homes that were started but not finished. And we've seen the number of completed homes go up a little bit, almost back to normal levels, not quite there. One of the reasons they're not quite there is people are buying these homes before they're completed. They're working with the builder. Buying a home is it's almost ready to go, but still under construction. What's been encouraging, looking into the future is that permitting has increased a bit over the last two quarters.   (00:21:24) - We know builders are betting on the future. They're not necessarily breaking ground on all these properties they have permits for because they don't want to oversaturate either. And they're being very judicious with their building because they got caught with a ton of inventory during the Great Recession that they wound up selling at fire sale prices. But the trends are long term, looking like they're going in the right direction right now for new homes. So to help the viewer and listeners chronologically, we're talking about housing permits followed by housing starts. And then finally, housing construction. Right? Permits are up, starts are up recently, but down year over year. And the construction numbers are getting back close to normal levels. And we need the builders to build more because even before the rate lock effect took effect and existing home inventory got so scarce we didn't have enough housing in the works, we were depending on whose numbers you believe, somewhere between 2 and 6 million units short. We need the builders to come back to market. Note for your folks.   (00:22:28) - Keith Investors continue to account for a fairly significant amount of activity in the residential market. Over a quarter of home purchases 26% in June, which is the most recent data we have, were made by investors and believe this number actually under reports the number of investor purchases because it's from a company called CoreLogic, it's accurate data for what they count, but they only count investor purchases where the buying entity has an LLC and LP Corp kind of entity. And we know that a lot of buyers don't do that who are investors. So it probably understates it. But the fact of the matter is that historically speaking, 26% of residential purchases being done by investors is pretty high number. That's a pretty high number and as you alluded to, is probably actually higher than 26% of home purchases being made by investors. And so the headlines will breathlessly tell you that Main Street is being gobbled up by Wall Street. Oh, I know. And those institutional investors are evil people. They're buying everything that the truth is is completely the opposite.   (00:23:31) - If you look at investors who are buying properties, it's really the small investors who are buying about 46% of those investor purchases and medium sized investors about 35%. If you're looking at the biggest of the big investors, they're buying less than 10% of what's going out today. And they still own collectively about 3% of the single family rental stock. It's the mom and pop investor who continues to drive the market. Yeah, I'm glad you bring this up, Rick, because there seems to be this outsized perception that institutional money through someone like, say, in Invitation homes is just gobbling up all the good investor homes. And and they're really not. It's mom and pop investors that rule. In fact, there's some legislation pending in D.C. right now that's aimed to keep these institutional investors from doing what they're already not doing and have some tax penalties for anybody who owns. Here's the number that's important. More than 50 properties well, Invitation Homes owns significantly more than 50 properties. I know a lot of medium sized investors who own more than 50 properties.   (00:24:36) - Yeah, they're certainly not institutional investors. They certainly don't have a hedge fund behind them. Important again, for folks in this market to be in touch with their legislators and let them know what's really going on in the marketplace so we don't get this kind of bad legislation. It makes it tough for the average investor to really take full advantage of the opportunities that are out there. 100%. Mom and pop investors might need more than 50 units to obtain financial freedom. Yep. Just to wrap up, Keith, a couple of points on delinquencies and foreclosures. I know a lot of investors got into the business, you know, a decade or so ago and there was just a rash of foreclosure activity and you could buy a distressed property by just walking down the street and knocking on doors. It's a little different these days because of that strong economy we talked about earlier. In that low unemployment rate. Mortgage delinquencies are at an all time low. Mortgage Bankers Association reported that the midpoint of this year, at the end of the second quarter, the total delinquency rate was 3.37%.   (00:25:36) - To put that in context, historically the number is somewhere between 4 and 5%. So not only are we not seeing a lot of delinquencies, we're seeing less than we would see normally as seriously delinquent loans. The ones that are 90 days plus past due is as low as we've seen it in probably the last 6 or 7 years. That's really interesting. So not very many homeowners are in trouble with making their payments, which to some people might seem like a conflict with what we described back in the earlier part of the chat about low savings and higher credit card debt. So many of these homeowners are locked in to these really low payments where they got low mortgage interest rates. Plus inflation cannot touch those fixed rate payments. And that's an important point for those people that are in these homes. It would be more expensive for them to go rent right now, probably because they got such a good deal on the mortgage rate. There's usually a pretty strong correlation between unemployment rates and mortgage delinquency rates. So I mentioned that the most recent report had unemployment at 3.8%.   (00:26:37) - I think at the end of June it was a 3.5%. So we might see delinquency rates tick up a little bit. There was also some really bad social media memeing going on during the government's mortgage forbearance program. There was even an economist who predicted that almost everybody who got a forbearance was going to go into default and that would have been a catastrophe. If you look back a little over a year ago, actually more like two years ago when there was there were a lot of people in forbearance. You saw delinquency rates very high, but that was because people were allowed to miss payments. They were just being counted by the industry as delinquent. The fact is that less than a half of a percent, less than one half of 1% of the borrowers who were in forbearance and there were 8.5 million of them have defaulted on their loans. The overwhelming majority have done very, very well with that program. So it really didn't contribute to any kind of delinquency or default activity. So strong economy, extremely high, low quality because lenders really haven't been making many risky loans since the Great Recession.   (00:27:40) - The record amount of of homeowner equity that's out there. Yeah. Is keeping this market pretty solid to the point where foreclosure activity today is still running at a little bit less than 60% of pre-pandemic levels. So in a normal market, about 1 to 1.5% of loans are in some state of foreclosure. In today's market, it's about a half a percent. So we're just not seeing much go into foreclosure and the properties that go into foreclosure. The homeowners have a significant amount of equity. 92% of borrowers in foreclosure have equity in their homes, which is wildly different from where we were during the great financial crisis, when a third of all homeowners were underwater on their loans. At just about everybody in foreclosure was upside down. And people push back at me when I'm out talking at conferences about this. Keith Oh, yeah, they have equity, but they don't have enough equity to make a difference. Oh, yes, they do. 88% of the borrowers in foreclosure have more than 20% equity. That's typically the magic number that a realtor will tell you you need in order to sell your property and avoid any other kind of complications with one of these foreclosures, preventing any sort of fire sale and lowering of prices that makes all home prices go down in a neighborhood where not anywhere near that.   (00:28:57) - No, not at all. And in fact, some other data that I'll share with you and your listeners is that about 62% of the distressed property sales we see right now are properties in the early stage of foreclosure prior to the foreclosure auction, which means these distressed homeowners are protecting their equity by selling the property before it gets sold at a foreclosure sale. And so they're protecting the vast amount of this equity. But if you're an investor in today's market, there's some really important information in what I just gave you. You can't wait for the bank repossession. In this cycle, bank repossessions are running 70% below where they were prior to the pandemic, so there's fewer properties getting to auction because 67% of these distressed property sales are prior to the auction. Properties that get to auction are selling through at about 60% rate. So there's nothing going back to the lenders. So if you want to buy a property in some stage of foreclosure, your best bet in today's market is to get a list of people in the early stages of foreclosure and reach out directly to them.   (00:30:01) - Your second best bet is to get to that foreclosure auction. Be ready to move at the auction, and your worst bet is to wait for the lender to repossess the property. And in fact, I've seen anecdotal data that suggests that those properties are actually more expensive than the ones you could buy from the homeowner or at the auction because the lenders are fixing them up and selling them at full market price. Good guidance for those chasing distressed properties. So that's what's going on in the foreclosure market. I don't see foreclosure activity being back to normal levels until sometime next year. And I don't see activity bank repossessions being back to normal levels even next year. It's a very different marketplace. This is what I was just talking about. Keith If you were to break up what selling and what stage of the foreclosure process right now, about 64% of distressed sales are taking place prior to the foreclosure auction and less than 20%. Distressed sales today are those background properties. So it's a very different world than what a lot of investors grew up in.   (00:31:03) - Rick is about to share his summary with us, his closing thoughts. Before he does that, I've got two questions for you, Rick. I hear some people out there, it seems to be oftentimes the real estate agent type, maybe that's trying to be a big cheerleader for the market. And I hear a few of them say something like, hey, you know what? You better buy now, because when mortgage rates fall, home prices are really going to shoot through the roof. I don't really know that that necessarily happens because when mortgage rates fall, okay, that might increase demand of capable homebuyers, but it should also increase supply. Now, the mortgage rate lock in effect, goes away and more people will want to bring supply onto the market. And I also like to think about what happens when rates are falling. Typically, that means the economy needs help and unemployment might be a little higher. So my thoughts, Rick, are if mortgage rates do fall substantially, that might help home price appreciation a little bit, but I don't see it as any sure thing that that would make home prices go through the roof.   (00:32:00) - What are your thoughts? It's a great question. You make a very logical argument. A lot of it comes down to supply. And that's where I would hedge my bets. I don't think we see a ton of supply come back to market until rates are back in the low fives. So there's a point and a half of interest going from little over seven to maybe 5.5%, where we're probably going to see more buyers come to market than we're going to see inventory come to the market. My other thought we touched on it earlier is with rents. Talk to me about the future direction of rents. They were horribly hot a year or two ago, up 15% year over year. Rents have moderated substantially. But with this really lousy home affordability and a high homeownership rate, it seems like with this low affordability, we're set up for the homeownership rate to go lower in the proportion that rent go higher, which could put upward pressure on rents over time here. What are your thoughts with rents? Yeah, offsetting what you just said is a record number of apartment units coming to market this year.   (00:33:03) - There are likely to be some markets across the country that wind up oversupplied because of the amount of inventory coming to market. Now, don't get me wrong, the inventory coming to market is going to tend to be expensive inventory. And so that in and of itself could make rent prices come up a bit. I do believe in the short term I would tend to agree with you that the lack of housing stock available for people who would like to buy is going to play in the benefit of the folks who own properties to rent. And that will, I believe, be particularly true for people that own single family residential units that are like houses to rent. I guess we're going to split the difference on these two questions. I'm going to mostly agree with you on the second one. I do believe there's a chance prices will go up a little bit more than you think as mortgage rates come down until we get down to about 5.5%, mortgage rates are lower when we see more of that inventory coming to market. And what is the real wild card in all of this, of course, is what happens with the overall economy.   (00:34:03) - Do we enter a recession? Does unemployment spike? If that's the case, that should weaken, demand a bit and you could have a little bit of an uptick in foreclosures, which will weaken the market as well. So a lot of different components at play. And I think what people ask you questions like that, Keith, about, you know, mortgage rates come down, is this going to happen? They kind of oversimplify the equation quite a bit. There are a lot of other variables that go into it. 100%. Why don't you go ahead and share your closing thoughts with us? A lot of stuff we covered, so I won't dwell on too much of this very long. But from my perspective, a recession is still a real possibility. Probably not until next year if we have one. And if we do, it's likely to be pretty mild and fairly short and we shouldn't see a huge, huge spike in unemployment. I do believe that as the Fed decides it's done raising the Fed funds rate and announces that we'll see mortgage rates gradually decline back toward 6% by the end of this year.   (00:34:57) - And we'll be back in the fives next year. And by the way, historically, every time the Fed has stopped raising the Fed funds rate, we have seen mortgage rates come back down. Existing home sales right now are on pace for their lowest number since 2009. Likely, we're going to see somewhere in the neighborhood of 4.2 million existing home sales. But we're likely to see more new home sales than a lot of people had forecast beginning of this year, maybe 650, 675,000 of those sales in 2023. And we've seen prices decline in the new home market, but they might have bottomed out in the existing home market because of the supply and demand thing that Keith and I have kind of beaten to death during this podcast. Again, importantly for this audience, investors continue to account for a very large percentage of residential purchases and a lot of you seem to be shifting toward buy and hold strategies, which again makes ultimately good sense in a market like today's. And then that anticipated wave of foreclosures that all those folks on YouTube were trying to sell you courses to figure out how to maximize never materialized.   (00:35:57) - And at least during this cycle, not likely to any time soon. Probably won't. Yes, A lot of people a couple of years ago, especially on YouTube, were talking about a certain price collapse is coming and it never happened. And I never saw how it would have happened and I never made those sort of dire predictions. Well, Rick, this was a great chat about the overall economy, the housing market and what investors need with the housing market. I'm sure our audience learned an awful lot. It was a terrific update. If our audience wants to learn more about you and kind of wish this chat would just go on and they could learn more about you and engage with your resources. What's the best way for them to do that? Well, you can certainly follow me on social media. I refuse to say my Twitter handle is just Rick Saga. I'm on LinkedIn to hard to find there. You can also check out my website which is Patrick. Com. Enjoy doing these conversations with you Keith.   (00:36:51) - Think the first time we talked you reached out because I had come down like the wrath of God on somebody who was predicting a housing price crash because I didn't see one coming either and thought he was doing investors a disservice. So keep the faith and keep the good fight going. Keith And I'll be here whenever you want to talk. Jerry Listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. Com. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with freedom family investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%.   (00:38:00) - Their minimums are as low as 25. K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, eight six, six. Hi, this is Russell Gray, co-host of the Real Estate Guy's radio show. And you're listening to Get Rich Education with Keith Reinhold. Don't Quit Your Day dream. Yeah, terrific insight from Rick, as usual. It's remarkable how much this interview is aligned with what we're doing here. As Rick discussed how, though, it's a tough environment for homebuyers, it's better for investors, especially for single family rentals and especially in the Midwest and South are core areas.   (00:39:23) - It's a better market for the buy and hold investor than it is for flippers. It's a tough chase for flippers. Sometimes you don't flip the house, the house flips you. There are still so few homeowners in delinquency and foreclosure. Rick believes that when lower mortgage rates come, home, prices could appreciate more than I tend to think. We'll see how that turns out. And, you know, historically here, as we talk about the direction of home prices and the direction of rent growth Now with respect to home prices, when I provided you with the home price appreciation forecast, I keep somewhat undershooting. The market appreciation tends to outperform what I think by just a bit. Back in 2018, 2019, home price appreciation rates, they were just kind of bumping along at 4 or 5%. Back then, interest rates were super low, housing supply was more balanced. And I said right here on this show then about five years ago, that I don't see what will make home price growth like really accelerate or shoot up from here.   (00:40:32) - Well, then we had the pandemic, something that no one saw coming when the pandemic fog cleared. You remember that all here on the show in late 2021, I forecast 9 to 10% home price appreciation for the coming year, which back then I was talking about 2022. And then that appreciation rate for 2022 came in at 10.2%. Although I was close, I shot just a touch low. Now at the end of 2022, well, about nine months ago, I predicted zero home price appreciation for this year. As we near the fourth quarter, it looks like we'll get low single digit appreciation, but that remains to be seen. However, I've long been undershooting the market just a bit, though. Close and mortgage rates. No, don't even ask me. I don't try I don't make mortgage forecast. That is too hard to do. Making a mortgage rate prediction is almost like a certain way to be wrong. Although Rick and I talked about how this is a good market for investors, to my point from last week, in some markets, cash flow has become an endangered species with some of these increasing expenses for investors.   (00:41:46) - And again, I have some really good news for you here. We have largely solved that problem here at Gray of higher mortgage rates, hurting your cash flow. And that's why investors like you are still snapping up rental properties from Marketplace right now because of the strength of our marketplace network and relationships. Here we have a new build provider offering a mortgage rate to investors of 5.75%. Yes, they will see that your rate is bought down to 5.75%. In today's environment, another new build investment property provider is offering a rate buy down to 4.75%. Yes, you heard THAtrillionIGHT? And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. There is more to it than that. And these builders, though they are in business to move property. So take advantage of it where you can. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year. In addition to buying down the rate. I don't know how long all that's going to last, so this can be a really good time for you to contact your in investment coach.   (00:43:06) - Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Today, your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out. And marketplace properties they are often less expensive than elsewhere in addition to the low rates from some of the providers. But now you might wonder why often are the prices not always, but often, why are they lower? Well, first of all, investor advantage markets just intrinsically have lower prices than the national median. And secondly, there is no real estate agent to compensate with the traditional 6% commission, you are buying more directly. Thirdly, these property providers, they are not. And pop flippers that provide investors like you and other people where they just flip like one home a year instead. These are builders and renovation and management companies in business to do this at scale so they get to buy their materials in bulk, keeping the price lower for you.   (00:44:20) - And another reason that you tend to find good deals at Marketplace is that you aren't buying properties from owner occupants where their emotions get involved and they get irrational over there on the seller side. So you can go ahead and get started with off market deals at GRI, marketplace.com. If you'd like the free coaching from our investment coaches, then contact your coach. And if you don't have one yet again you can do that straight at GRI marketplace.com/coach that's an action item for you this week that your future self should thank you for until next week. I'm your host Keith Winfield. Don't quit your day dream.   (00:45:04) - 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.   (00:45:32) - The preceding program was brought to you by your home for wealth building get rich education.

It's been a minute, but we back!! I know I've been away for some time, just been existing & understanding more of who I am on a deeper, intimate level. As I continue to grow, I'm learning more about myself and ways to embrace the journey. My intention for this episode is to share some of the lessons I'm applying to my own journey of self discovery. TIME STAMPS: (0:00) Intro (2:46) Where has Tab been? (6:16) 3 lessons I'm learning during this season (6:45) #1: Forgiveness is freedom (10:40) #2: The present moment is the most important moment (15:17) #3: Embracing who you are, without judgement, is key (18:03) Big Takeaway: Allow yourself to just exist Follow @hellarelatablepod on Instagram for updates on the show! Email official.hrpod@gmail.com for contact information and business inquiries

Learn more about your ad choices. Visit megaphone.fm/adchoices

Empowerment, Inspiration & Beyond (646) 595 4274 Welcome to the BTR Edition of NEWS FOR THE SOUL: Life Changing Talk Radio from the Uplifting to the Unexplained. NFTS was launched in January 1997 as a positive news newspaper in the Vancouver, B.C. area in January 1997 by journalist Nicole Whitney. Over the years, NFTS evolved into the NFTS RADIO NETWORK ::: VISIT THIS LINK TO FIND OUT ABOUT THIS SHOW:  http://www.newsforthesoul.com/shows-page/todays-show

It's not unusual for a podcaster to rebrand and head in a new direction after podcasting for a while. The big questions in this transition are around the logistics of the rebranding process. Today's session is a coaching call with a member of our Healthcasters Podcasting Course who is unsure about the best way to handle this big transition. Join us as we talk it out and figure out her best next steps!Our Featured Guest for Today's Coaching Call:Marie Vakakis, MA, AMHSWMarie Vakakis is the founder of The Therapy Hub, and she's a group practice owner who lives in Australia. She has been doing her podcast, Inside Social Work, for about five years, but she's decided to rebrand to reach a bigger audience. We will discuss whether she should start a whole new podcast since she has chosen to go in a different direction. We'll also talk about monetization strategies around podcasting and lining up specific episodes with paid endeavors, such as speaking engagements and online courses. I think you'll enjoy this look at the entrepreneurial journey, content creation, and podcasting.You'll Learn:How Marie became a podcaster and learned to be courageous and vulnerableWhy Marie wants to change and rebrand with a different podcast name and target the general public instead of early-career social workersWhy Marie needs to pinpoint her new vision and assess the long-term sustainabilityThe two tiers to Marie's new goal: intentionally grow her practice and intentionally grow her transition to public speaker, educator, and course creatorMelvin's suggestions for creative ways Marie can grow her practice around content creationMelvin's advice for Marie about introducing her new missionHow Marie can model for her clients why it is important to embrace change in the rebranding processHow Marie can coordinate podcast content with courses, public speaking, and coaching calls in ways that plug her individual products and services and help her stand out with her established expertiseWhat Marie sees as her next important big stepResources:Marie's WebsiteWant to launch your online course?Please check out our free 7-Day Course Creator Starter Kit For Therapists: https://sellingthecouch.com/coursekitLooking to launch a successful podcast?Please check out our free "Using Podcasting To Grow Your Business" workshop for therapists:https://sellingthecouch.com/podcastingworkshop

GPUs are rare and expensive right now. Every company doing AI model training needs more, and NVIDIA can't build enough, especially of the NVIDIA H100 GPU. Run.ai CEO and co-founder Omri Geller says he has a software solution to this hardware problem. The key: GPUs are mostly idle, even in high-demand settings. According to Geller, his software 2X to 4Xs your GPU capacity on existing hardware, simply by streamlining workloads and maximizing GPU usage time. In this TechFirst, we chat about: - the GPU shortage - how many GPUs we need - what Open AI is using right now - whether OpenAI is getting dumber or not - and much more As always, get a full transcript and subscribe to the audio podcast at my website: https://johnkoetsier.com/category/tech-first/

Lou with Christian Briggs speaks on Operation Truth podcast to talk more about the FEDNOW and how they are sneakily using a backdoor way into your already existing bank accounts and could already be shifting your "dollars" to serialized credits of CBDC without you even realizing it.  It's some very Orwellian and dystopian things that are going on as we speak.

Existing predictive models for drug behavior in the human intestine have been hit or miss, leading to unpredicted failure of drug development at the cost of billions. Altis Biosystems has developed a proprietary intestinal model with human stem cells that dramatically improves the predictive capability of drug effects and toxicity in the intestine and thus can substantially reduce the cost of drug development failure. CEO Ben Scruggs  has 16 of the top 20 Big Pharma companies as customers as the Altis human intestinal model dominates pre-clinical drug testing for intestinal effects and toxicity. (recorded 9/8/23)We invite your feedback and suggestions at ventureinthesouth.com or email david@ventureinthesouth.com. If you like the podcast, leave us a review and share with your friends! Follow David and Paul on LinkedIn to stay updated on the newest episodes. To learn more about the RollingSouth Funds, visit rollingsouth.vc or email david@rollingsouth.vc. Thanks for listening and remember: Our mission is to MAKE MONEY, HAVE FUN AND DO GOOD

In episode 89 of The Gradient Podcast, Daniel Bashir speaks to Shreya Shankar.Shreya is a computer scientist pursuing her PhD in databases at UC Berkeley. Her research interest is in building end-to-end systems for people to develop production-grade machine learning applications. She was previously the first ML engineer at Viaduct, did research at Google Brain, and software engineering at Facebook. She graduated from Stanford with a B.S. and M.S. in computer science with concentrations in systems and artificial intelligence. At Stanford, helped run SHE++, an organization that helps empower underrepresented minorities in technology.Have suggestions for future podcast guests (or other feedback)? Let us know here or reach us at editor@thegradient.pubSubscribe to The Gradient Podcast:  Apple Podcasts  | Spotify | Pocket Casts | RSSFollow The Gradient on TwitterOutline:* (00:00) Intro* (02:22) Shreya's background and journey into ML / MLOps* (04:51) ML advances in 2013-2016* (05:45) Shift in Stanford undergrad class ecosystems, accessibility of deep learning research* (09:10) Why Shreya left her job as an ML engineer* (13:30) How Shreya became interested in databases, data quality in ML* (14:50) Daniel complains about things* (16:00) What makes ML engineering uniquely difficult* (16:50) Being a “historian of the craft” of ML engineering* (22:25) Levels of abstraction, what ML engineers do/don't have to think about* (24:16) Observability for Production ML Pipelines* (28:30) Metrics for real-time ML systems* (31:20) Proposed solutions* (34:00) Moving Fast with Broken Data* (34:25) Existing data validation measures and where they fall short* (36:31) Partition summarization for data validation* (38:30) Small data and quantitative statistics for data cleaning* (40:25) Streaming ML Evaluation* (40:45) What makes a metric actionable* (42:15) Differences in streaming ML vs. batch ML* (45:45) Delayed and incomplete labels* (49:23) Operationalizing Machine Learning* (49:55) The difficult life of an ML engineer* (53:00) Best practices, tools, pain points* (55:56) Pitfalls in current MLOps tools* (1:00:30) LLMOps / FMOps* (1:07:10) Thoughts on ML Engineering, MLE through the lens of data engineering* (1:10:42) Building products, user expectations for AI products* (1:15:50) OutroLinks:* Papers* Towards Observability for Production Machine Learning Pipelines* Rethinking Streaming ML Evaluation* Operationalizing Machine Learning* Moving Fast With Broken Data* Blog posts* The Modern ML Monitoring Mess* Thoughts on ML Engineering After a Year of my PhD Get full access to The Gradient at thegradientpub.substack.com/subscribe

Li Jin is the co-founder and a general partner at the VC firm Variant and has written extensively about the benefits of web3 social platforms for creators. Stani Kulechov is the creator of Aave (one of the largest decentralized finance protocols) and has been key to the development of the web3 social network platform, Lens Protocol. In this episode, Li and Kulechov examine the problems with the existing social media landscape and explain the opportunities that exist for new web3 social media attempts such as Lens Protocol. As Jin explains, one of the key benefits of web3 social is that "every element of the business model is totally in the creator's control." Outline: 01:15 - Existing Social Media Landscape 08:18 - Opportunities for Web3 Social 12:35 - 'Socioeconomic Graph' 14:20 - Lens Protocol 17:44 - Financialization of Social Media 25:30 - Monetization on X (Twitter) 31:00 - Community Ownership 34:46 - 'Liquid Citizen' 38:26 - Investing in Web3 Social 40:09 - Tokens & Web3 Social 45:17 - Lens Protocol v2

We talk about when it makes sense to buy an existing cigar shop instead of opening a new one. It's critical to do very thorough due diligence. We also give a list of reasons why you might choose to purchase an existing shop. The Cigar Authority is a member of the United Podcast Network and is recorded live in front of a studio audience at Studio 21 Podcast Cafe upstairs at Two Guys Smoke Shop in Salem, NH and as always you can find many of the cigars we discuss at https://www.2GuysCigars.com/.

Use the timestamps below to guide you better as a leader or individual:538SummaryThree big things to consider when hiring an outside hire. 0:00The three big things to consider when trying to decide whether to go with an outside hire or to promote from within the organization.Who is this for?How important is it to have the right team? 1:14The importance of getting the right person in the seat and making the right moves strategically inside of the business.The three big things that are important to consider.The team affects every aspect of the business. 3:01Your team affects every aspect of the business. The number one issue in every business is a lack of quality communication, accountability and quality culture.Your team is your most important investment.Should you promote from within or go with an external hire? 4:59The first thing to consider is time and costs, internal hires will fast track the interview process. The first interview is a culture interview.The other conversation is for another day.Hiring internally vs external hiring. 6:24Take a look at what they have done since they have been on the team to see if they can fast track the interview process.Delegate properly.Hiring an external hire will take longer and cost more than hiring an internal hire.Hiring from within will cut down on time and expenses as well as time.Impact on the team. 10:13Internal hires have built in familiarity and loyalty across the team. It helps fast track integration and can boost the morale of other team members.How it will impact the team now.Things to consider when bringing in an external hire. 12:13Consider how an external hire will impact the team, and how it could be the thing that you want to change or shake things up.The third thing to consider while leveraging the risks of hiring an external person is to consider.Leveraging the risks and not managing the risks. 14:10Risk is not always a bad thing. Sometimes shaking things up can be a good thing. The key is getting the risk factor to work in your favor.How to manage risk.Managing the culture. 16:23The internal promotion process is a great opportunity to offer the promotion to anyone who wants it and those who aren't ready for it.The internal hiring process gives you the opportunity to sit down with a team member and ask them what makes them prepared to take on the role.Leveraging the risks with external hires. 18:35God has plans for everybody, and not everybody has to be inside of the business. It all comes back to leadership.Leveraging the risks with the external hire to start with a clean slate and get a new code of culture on.

Join us in this episode as we explore the world of hosting a virtual summit from the ground up. Our guest, Maggie Klaassens, the brilliant mind behind The Sober Summit, organized her first event without a brand, business, audience, or email list. If you've ever doubted whether it's possible to land speakers, questioned your capabilities, or wondered if anyone would sign up, then this episode is perfect for you. Maggie shares her journey, proving that amazing opportunities can arise when you take a leap of faith and trust yourself throughout the process! For show notes, head to https://summithosthangout.com/241

In this episode of Spartan Leadership Podcast, we talk to Sean Crane, founder and CEO of Unstoppable Mindset Podcast found on YouTube and all major platforms. He talks about his journey from prison walls to entrepreneurship, dealing with stress and discipline as the ultimate act of self-love. He also talks about his motivation for people not born with silver spoons and the unpopular truth that others might disagree with.Don't miss this riveting episode. Tune in now and gain insights into embracing challenges, shaping an unstoppable mindset, and redefining success.

Today's episode is a fun new take on what helps me feel HAPPIER and more PRESENT every single day, regardless of what goals or milestones I've hit, but just happy on a random Tuesday. I think the FULL spectrum of emotions is so important, but I also know our days are numbered here and we don't know the count, so I want you to soak up ALL the juiciness of every single day, and not let a bad morning turn into a bad day or a bad WEEK. I think you're really going to vibe with this perspective and help you see the super simple ways you can make YOUR day happier, and you can feel more PRESENT.As mentioned in this episode: If you are thinking about launching a podcast of your own, TEXT “LAUNCH” to (512) 548-2728Then you can stay in the loop about our cohort that takes you from IDEA to launching your podcast with part self paced content as well as part live zoom training & Q&A calls with me done COHORT stye (with other women going through the program WITH YOU). &&& if you are an EXISTING podcaster wanting to GROW, SCALE, MONETIZE & be in the loop about whats coming next  (HINT IN PERSON) for podcasters…Text “PODCASTER” to (512) 548-2728 to get some free resources & be the first to know about what's coming ;) &&&& last but not least…Did you snag your ticket to empowerHER live this year in DENVER?! It's going down in LESS THAN A MONTH!! This is the place to connect with HUNDREDS of women that listen into this show IN PERSON;  The place to gain more clarity in YOUR life on what's next or taking your current business, brand or idea to the NEXT LEVEL; & to TRULY take some time for YOU to get REALLY lit up & INSPIRED! For real— you've got to check out our large 3 day personal growth event!! EmpowerHER Live (this year in Denver September 22-24th)! Head to www.empowerherlive2023.com to snag YOUR ticket & join us! &&& if you're on IG, come say hi!! You can connect with me here: My personal account→ @kacia.ghetmiri The Podcast Account  --->  @empowerHER.podcast

Existing home sales are down around 20% year over year for two reasons: mortgage rates are too high and there aren't enough homes for sale. Matt Argersinger and Deidre Woollard discuss: - The current situation of home sales and what could change it. - Why homebuilders are in a good position right now. - If renting will become permanent for more Americans and which companies might benefit.  Host: Deidre Woollard Guest: Matt Argersinger Producer: Ricky Mulvey Engineer: Rick Engdahl Companies discussed: NVR, INVH, TOL, LEN, MAA, AVB

Have you ever asked yourself or God Why Am I Here? Do you feel like you've messed up too much to be used by God? In Christ everyone has a purpose! When you surrender your life to Jesus, He will use it all for His glory! Join Vanessa and Amanda as they dig into the topic of purpose. #BFF #Createdwithpurpose #Beyondfeartofreedom #Freedom #Jesuslovesyou

In this episode, Dan and Christian respond to business influencer Codie Sanchez about the merits of buying an existing business versus starting one from scratch, as well as how buying a franchise can be similar to buying an existing business. We talk about the merits of boring businesses: how to compete and stay relevant in old, stale industries...and why to choose those industries in the first place. Industries with low-tech, minimal reviews, old websites, and next-to-no comprehensive marketing strategy. There are also downsides to buying into an existing business, so we discuss how franchising can be the best of both worlds for the right kind of person. Welcome to the I Fired My Boss Franchise podcast, hosted by Dan Claps and Christian Dadulak. Dan Claps is the founder and CEO of Franchise Playbook, a franchise or platform that creates, owns and operates dynamic franchise brands in the mobile services space. His life's goal is to help people just like you fire their boss and become a business owner. Christian Dadulak is a top franchise advisor with Franchise Sidekick, a leading franchise advisory firm that helps people reduce their risk when buying a franchise. And together they're on a mission to help people fire their boss, hire themselves, and live the American dream through franchise ownership.If you want to fire your boss, make sure you head on over to https://ifiredmybosspodcast.com and fill out the form to schedule a no-cost consultation. And if you enjoyed this episode, make sure to subscribe, leave a review and share with a friend who might also want to fire their boss.This episode is sponsored by our friends over Silicon SignsIf you or your franchisees need help with interior/exterior signage, look no further!

Every year, bears attracted to human food sources damage property, vehicles and even homes. Bears don't know they're doing anything wrong. They're just following their super-sensitive noses to the most calories they can find. Bears that find food around homes, campgrounds and communities often lose their natural wariness of people. Colorado Parks and Wildlife is charged with protecting and preserving the state's wildlife. Every time we must euthanize a bear, it's not just the bear that loses. We all lose a little piece of the wildness that makes Colorado so special.In today's episode, we're talking with Area Wildlife Managers from around the state about being Bear Aware. We also learn how local communities play a huge role in limiting human-bear conflict and how CPW grant opportunities can help extend the work being done in those communities. Gain a newfound appreciation for these charismatic creatures and learn how you can help keep Colorado's wildlife wild.

Kevin and Zach welcome the Millennial Dentist himself, Dr. Sully Sullivan to the show! Sully has an interesting message: you can grow your practice without adding a bunch of new patients! How, you ask...work on your clinical skill set to do more dentistry on the same patients! Some links from the show: 3D Dentists If you want to interact with us, head over to the Very Clinical Facebook Group! Join the Very Dental Facebook group using the password "Timmerman," Hornbrook," McWethy," "Papa Randy" or "Lipscomb." The Very Dental Podcast network is and will remain free to download. If you'd like to support the shows you love at Very Dental then show a little love to the people that support us! -- Crazy Dental has everything you need from cotton rolls to equipment and everything in between and the best prices you'll find anywhere! If you head over to verydentalpodcast.com/crazy and use coupon code “verydental10” you'll get another 10% off your order! Go save yourself some money and support the show all at the same time! -- The Wonderist Agency is basically a one stop shop for marketing your practice and your brand. From logo redesign to a full service marketing plan, the folks at Wonderist have you covered! Go check them out at verydentalpodcast.com/wonderist! -- Enova Illumination makes the very best in loupes and headlights, including their new ergonomic angled prism loupes! They also distribute loupe mounted cameras and even the amazing line of Zumax microscopes! If you want to help out the podcast while upping your magnification and headlight game, you need to head over to verydentalpodcast.com/enova to see their whole line of products! -- CAD-Ray offers the best service on a wide variety of digital scanners, printers, mills and even  their very own browser based design software, Clinux! CAD-Ray has been a huge supporter of the Very Dental Podcast Network and I can tell you that you'll get no better service on everything digital dentistry than the folks from CAD-Ray. Go check them out at verydentalpodcast.com/CADRay!    

Vivek Ramaswamy Defends His Comments On 'White Supremacy Not Existing'See omnystudio.com/listener for privacy information.

Existing payments like FedNow systems are hard to beat, but there may be niches where blockchain companies can play, says EY's Paul Brody.Today's episode is sponsored by Kraken Pro.Today's featured story is an opinion piece from Paul Brody, titled: “FedNow Is a Reminder That Payments Aren't Crypto's Differentiator.”-From our sponsors:Meet the all-new Kraken Pro. The powerful, customizable, beautiful way to trade crypto.It's Kraken's most powerful trading platform ever - packed with trading features like advanced order management and analytics tools — all in a redesigned, modular trading interface.Head to pro.kraken.com and trade like a pro.Not investment advice. Some crypto products and markets are unregulated. The unpredictable nature of the cryptoasset markets can lead to loss of funds and profits may be subject to capital gains tax.-This episode was hosted by Michele Musso. “Markets Daily” is executive produced by Jared Schwartz and produced and edited by Eleanor Pahl. All original music by Doc Blust and Colin Mealey.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Existing payments like FedNow systems are hard to beat, but there may be niches where blockchain companies can play, says EY's Paul Brody.Today's episode is sponsored by Kraken Pro.Today's featured story is an opinion piece from Paul Brody, titled: “FedNow Is a Reminder That Payments Aren't Crypto's Differentiator.”-From our sponsors:Meet the all-new Kraken Pro. The powerful, customizable, beautiful way to trade crypto.It's Kraken's most powerful trading platform ever - packed with trading features like advanced order management and analytics tools — all in a redesigned, modular trading interface.Head to pro.kraken.com and trade like a pro.Not investment advice. Some crypto products and markets are unregulated. The unpredictable nature of the cryptoasset markets can lead to loss of funds and profits may be subject to capital gains tax.-This episode was hosted by Michele Musso. “Markets Daily” is executive produced by Jared Schwartz and produced and edited by Eleanor Pahl. All original music by Doc Blust and Colin Mealey.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why do a quarter of European young men say they'll vote for the far right? It's not just men. In France, The Netherlands and Belgium, the far right is equally popular with women. Existing scholarship has emphasised regional development traps, economic anxiety, and cultural backlash. Quantitative researchers typically regress individual- or place-based characteristics. In this podcast, I want to throw a spanner in the works, by highlighting the salience of distant events.

On today's episode, HW Media editor Chris Clow talks with Lead Analyst Logan Mohtashami about data that indicates that America is rejecting the Fed's housing policy, purchase application data, and differing attitudes between generations toward homebuying in the current climate.Related to this episode:Existing homes sales market falls again, market lacks sellersWhere are mortgage rates headed?HousingWire's YouTube ChannelEnjoy the episode!HousingWire Annual is where the community from across the housing ecosystem comes together to share strategies, drive business, discover new technologies, discuss best practices, and meet industry leaders. Our agenda is power packed with content to propel your company to the next level and connect you with the industry playmakers. Click here to learn more!The HousingWire Daily podcast examines the most compelling articles reported across HW Media. Each morning, we provide our listeners with a deeper look into the stories coming across our newsrooms that are helping Move Markets Forward. Hosted and produced by the HW Media team.

How to Get Repeat Business from Existing ClientsDive into the world of fostering client relationships with Dave Lorenzo, the Godfather of Growth, and Nicola Gelormino, (Nicki G.,).  Together, they unravel the strategies to ensure repeat business from your existing clientele.Key Points:--- The Power of Asking: Early engagement with clients helps in understanding their needs better. By consistently asking and identifying issues, you open doors to more opportunities.--- Quality and Integrity: These are non-negotiables. Delivering top-tier work and operating with transparency ensures clients come back to you.--- Do Business with Your Clients: Investing in your client's success by referring business to them or being their customer cements your relationship.--- From securing those initial deals to establishing long-term partnerships, Dave and Nicki G. discuss the essence of going beyond the transactional nature of business. Remember, delivering value is the key to nurturing lasting client relationships.Chapters:00:00 How to Get Repeat Business from Existing Clients00:53 Ask Early and Ask Often07:09 Integrity and Competence are Essential10:21 Give Business to Your Clients About Inside BS Show with The Godfather and Nicki GThe Inside BS Show with the Godfather and Nicki G provides business leaders with inside business secrets to help them make a great living and live a great life.Since its inception in 2020, the show has been a valuable resource for CEOs and business leaders seeking the personal and professional knowledge they need to take their businesses to the next level while making the journey more rewarding. Dave Lorenzo and Nicola Gelormino have the unique ability to get their guests to share the insider secrets that have helped them dominate their industries. A new episode is released at 8 AM each business day.

Mike Armstrong and Marc Fandetti discuss treasury yields hitting a 16-year high on fears over interest rate outlook. Existing home sales fall in July, as supply drops to near quarter-century low. Microsoft pushing for Activision deal with a new proposal. Why are some countries so focused on dedollarization? BRICS bank striving to be less relient on the US dollar. Why is China having such a difficult time recovering?

Which is Easier？ Buying an Existing Business or Starting a New One ｜ Codie Sanchez

The Mayo Clinic is offering an "anti-racism" course to its existing staff members in hopes of teaching them about "structural racism" and "anti-Blackness" in the United States. Pags gives his thoughts. PLUS...TX Lt Governor Dan Patrick talks with Joe about the buoys in the Rio Grande and what the state is doing on the border

Work smarter—not harder, they say. Consistently crank out content, they say. Well what "they" haven't been telling you is exactly how to optimize your blogs to incorporate more SEO. In this quick hitting bonus episode of SEO Shorts, Crystal & Brittany are here to walk you through 5 key elements your blog needs in order to improve its ranking on Google & other search engines.Don't overlook these key areas of your blog:keywordsH1 headlinelinks: internal & external images: titles and Alt textbutton copyOther episodes you might also like to listen to:Website Accessibility w/ Erin PerkinsShare Blogs to Pinterest w/ Mackenzie ArmstrongMeasure the SEO Success of Blogs w/ Holly WiedmanGoogle's Helpful Content Update ExplainedSEO Dictionary Part 1SEO Dictionary Part 2Want a pro to walk you through the exact steps to write a keyword-rich, findable piece of content for your website (aka: a blog)? You might be interested in Brittany's "How to Write a Blog w/ SEO" 10-day email course!**Note: The Galas conversation thread is no longer active. But ⤵️Have you had an SEO win since listening to SEO Shorts? Tell us!If you're looking for a unique, handcrafted way to spruce up your home or office, then Collage and Wood is the perfect place for you! We offer a range of beautiful wooden signs that are perfect for any occasion. Our talented team of artists will work with you to create a sign that perfectly suits your needs. So why wait? Visit Collage and Wood today!Support the showApply to be our podcast guest!

Todd Curtis, Greg Feith, and John Goglia discuss the risks of aviation thrill-seeking. They look at aviation disasters from the NTSB database that involve experiences outside of standard FAA regulations. The FAA allows certain commercial operators to offer voluntary high-risk experiences to the general public. “Top Gun” aerobatic rides, balloon flights, and sight-seeing flights are some examples. Existing rules allow for a wide range of leeway in FAA approval for these types of flights. Oversight may be minimal. They evaluate a plane crash where a thrill ride resulted in the loss of the aircraft and crew. The high-impact collision occurred in Four Corners, California. Anyone considering one of these experiences needs to consider the aviation safety risks involved. Thrill seeking can be a deadly experience. John and Greg also share insights from AirVenture 2023, including new safety products from various manufacturers and concerns about the insurance needs of older pilots. Related documents are available at the Flight Safety Detectives website. Don't miss what's to come from the Flight Safety Detectives - subscribe to the Flight Safety Detectives YouTube channel, listen at your favorite podcast service and visit the Flight Safety Detectives website. Music: “Inspirational Sports” license ASLC-22B89B29-052322DDB8

#707 Starting a niche website is one of the best ways to generate income online. That said, it can often take months or years to get the results you want. But what if you could skip that part and jump in when your brand is already established and bringing in profit? That's the strategy I explore in today's incredible chat with Jared Bauman of 201 Creative and Weekend Growth. Jared is an expert at buying and flipping websites, and the insights he shares here make this tactic accessible to everyone and at every level. We discuss the step-by-step process Jared used to grow a website from $2k to $10k per month in profit. This is a fantastic case study because we explore everything from the initial research and negotiation phase to then supercharging the site with powerful monetization tools. Don't miss out, listen in and enjoy! Show notes and more at SmartPassiveIncome.com/session707.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

SummaryIn this episode, Zinda Law Group CEO and founder, Jack Zinda, talks about creative ways to find new business from your past and existing clientsDiscussed in this Episode: You have to do a good job Personally interact with them once a month Survey the client regularly Keep in touch You Have to Do a Good JobUnless your client enjoyed their experience working with you, you're never going to get returning business. It may sound simple, but focusing on being the best that you can be today will create business for the future. Personally Interact with Them Once a monthIt's important to remind your clients that you are actively working on their case or that you're thinking about them. Make an extra effort to meet in person or over a teleconference video chat. Survey the Client RegularlyOnce a quarter send a survey to your clients. Without constructive criticism you'll have no way of knowing what areas need to be improved.   Keep in TouchOnce the case is complete, reach out to them at least once a year with a small gift or reminder of your services. Doing simple things to keep your name in a client's mind will greatly improve your chances of getting future work from them.You can reach Jack at:jack@zindalaw.com512-246-2224

Leslie is first joined by Vincent Perrone, Teamsters International Trustee and a member of the Teamsters National Negotiating Committee for the UPS contract. He's also the President of Teamsters' Local 804 in New York. The two discuss the historic new UPS contract won by the Teamsters. Highlights of the tentative 2023-2028 UPS Teamsters National Master Agreement include: - Historic wage increases. Existing full- and part-time UPS Teamsters will get $2.75 more per hour in 2023. Over the length of the contract, wage increases will total $7.50 per hour. - Existing part-timers will be raised up to no less than $21 dollars per hour immediately, and part-time seniority workers earning more under a market rate adjustment would still receive all new general wage increases. - General wage increases for part-time workers will be double the amount obtained in the previous UPS Teamsters contract — and existing part-time workers will receive a 48 percent average total wage increase over the next five years. - Wage increases for full-timers will keep UPS Teamsters the highest paid delivery drivers in the nation, improving their average top rate to $49 per hour. - Current UPS Teamsters working part-time would receive longevity wage increases of up to $1.50 per hour on top of new hourly raises, compounding their earnings. - New part-time hires at UPS would start at $21 per hour and advance to $23 per hour. - All UPS Teamster drivers classified as 22.4s would be reclassified immediately to Regular Package Car Drivers and placed into seniority, ending the unfair two-tier wage system at UPS. - Safety and health protections, including vehicle air conditioning and cargo ventilation. UPS will equip in-cab A/C in all larger delivery vehicles, sprinter vans, and package cars purchased after Jan. 1, 2024. All cars get two fans and air induction vents in the cargo compartments. - All UPS Teamsters would receive Martin Luther King Day as a full holiday for the first time. - No more forced overtime on Teamster drivers' days off. Drivers would keep one of two workweek schedules and could not be forced into overtime on scheduled off-days. - UPS Teamster part-timers will have priority to perform all seasonal support work using their own vehicles with a locked-in eight-hour guarantee. For the first time, seasonal work will be contained to five weeks only from November-December. - The creation of 7,500 new full-time Teamster jobs at UPS and the fulfillment of 22,500 open positions, establishing more opportunities through the life of the agreement for part-timers to transition to full-time work. - More than 60 total changes and improvements to the National Master Agreement — more than any other time in Teamsters history — and zero concessions from the rank-and-file. Leslie is then joined second by Greg Unterseher, Manager of Pilot Representation for the Teamsters Airline Division. They detail the Teamsters lawsuit against Cape Air and Republic Airways for unlawfully requiring pilots to sign employment contracts with non-compete clauses that impose penalties ranging from $100,000 to $250,000. The lawsuit asserts the employment contracts are an attempt by the airlines to change pilots' working conditions unilaterally, in violation of federal labor law under the Railway Labor Act. Founded in 1903, the Teamsters Union represents 1.2 million hardworking people in the U.S., Canada, and Puerto Rico. Visit Teamster.org to learn more and follow them on Twitter @Teamsters and on Facebook at Facebook.com/teamsters.