Podcasts about existing

Existing home sales utterly crashed in January. Yes, January is not a great month for real estate shopping and there was obviously less than ideal weather, however those don't explain the 8.4% plunge in transactions. Analysts who were already factoring those other excuses only thought there would be a modest impact from them, not the biggest monthly drop in housing in four years. So much for that supposedly strong payroll report. Eurodollar University's Money & Macro Analysis----------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider----------------------------------------------------------------------------------NAR Existing-Home Sales Report Shows 8.4% Decrease in Januaryhttps://www.nar.realtor/newsroom/nar-existing-home-sales-report-shows-8-4-decrease-in-januaryHousehold Debt and Credit Reporthttps://www.newyorkfed.org/microeconomics/hhdc.htmlWhere Are Mortgage Delinquencies Rising the Most?https://libertystreeteconomics.newyorkfed.org/2026/02/where-are-mortgage-delinquencies-rising-the-most/https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about existing home sales and inventory levels. Related to this episode: Existing home sales drop 8.4% in January as winter weather slows market HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Interview with Nolan Peterson, CEO of Atlas SaltOur previous interview: https://www.cruxinvestor.com/posts/atlas-salt-tsxvsalt-developer-targets-north-americas-30-40-de-icing-salt-supply-gap-8975Recording date: 5th February 2026North America faces a growing crisis in road salt supply that most investors have overlooked. While the US$26 billion global salt market operates largely beneath public awareness, severe winter weather across the northeastern United States and Canada has exposed a structural deficit that has persisted for decades. Atlas Salt (TSXV:SALT) is developing the Great Atlantic Salt Project in western Newfoundland—the continent's first new salt mine in nearly 30 years—to address this critical infrastructure gap.The North American deicing road salt market imports 8-10 million tons annually to meet demand that domestic production cannot satisfy. Existing mines date predominantly from the mid-20th century, with operations beginning between 1906 and 1982. These aging facilities operate at depths of 500-600 meters, often beneath lakes, requiring high operating costs and substantial capital expenditures. Regulatory challenges and thin historical margins have prevented new mine development despite growing demand from population growth, expanded road networks, and increased vehicle numbers.Atlas Salt's competitive advantage stems from its shallow 200-meter deposit depth, which allows access via horizontal drift rather than expensive vertical shaft construction. Located just three kilometers from an existing port facility, the project gains direct access to Atlantic Ocean shipping lanes and the eastern seaboard market. The simplified production process requires only mechanical crushing of 96% grade salt—no chemical processing, tailings, or refining—enabling two-month environmental assessment approval.At full production capacity of 4 million tons annually, Atlas would need to capture only 30-40% of current import volumes, targeting non-cyclical government customers legally mandated to purchase salt for road safety. The market's inelastic demand was demonstrated in January 2026 when Ontario spot prices surged from $65-75 per ton to over $190 during severe winter conditions. CEO Nolan Peterson emphasizes the dual investment appeal: "We are working with lenders who view this as investing into an airport or power plant—something that has long-term sales baked in because you're selling your product to governments, citizens and people."View Atlas Salt's company profile: https://www.cruxinvestor.com/companies/atlas-saltSign up for Crux Investor: https://cruxinvestor.com

Existing home sales saw a drop in January, but as Kevin Green points out, it follows an outsized move to the upside in December. He explains what it means for the housing market's foundation. KG later serves his take on the latest restaurant earnings in McDonald's (MCD) and Restaurant Brands (QSR). On the international front, he talks about the optimism in agriculture stocks as the U.S. readies conversations with China. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

This show has been flagged as Clean by the host. Thorium Reactors 01 Introduction In this episode we will describe the use of thorium in nuclear power, including what thorium is, how it differs from uranium, and what sort of reactors can use it. 03 What is thorium 05 How thorium differs from uranium 07 Sources of Thorium 09 Why there is interest in using thorium as a fuel 10 Abundance of Thorium 11 Some Countries Have a Lot of It 12 Thorium Breeder Reactors are Simpler than Uranium Breeder Reactors 14 Supposed Lower Nuclear Weapons Potential 16 What is Thorium Breeding 20 Breeding Ratio 21 What sorts of reactors can use thorium 22 PHWRs - Heavy Water Reactors (Including CANDU) 24 HTR - High Temperature Gas Cooled Reactors 26 MSR - Molten Salt Reactors 29 Light Water Reactors (PWR, BWR) 31 Fast Neutron Reactors 32 The Challenges Facing Thorium Fuelled Reactors 37 Thorium in India - An Example Use Case 39 Why is India Pursuing Using Thorium? 40 How a Thorium Fuel Cycle Would Work in India 43 Current Status 46 Conclusion Thorium is an abundant material that is seen as an alternative to uranium in nuclear power. Experimental thorium power reactors date back to at least the 1960s. No new reactor technology is required to use thorium. Existing well proven reactor designs which have been in use for decades can use thorium as fuel. The common light water reactor designs that popular in some countries however are not well suited to using thorium. Initial interest in thorium was mainly driven by a perception that uranium would be in short supply in future, and slow neutron thorium reactors were cheaper and simpler than fast neutron uranium reactors. However, huge new high grade supplies of uranium were found in a number of countries, causing uranium prices to fall and reducing interest in finding alternatives. While some R&D continues on thorium fuel in a number of countries, the mainstream of development continues to be on uranium based fuel. Some countries with abundant thorium reserves though maintain a major interest in thorium, with India being the prime example. In the next episode we will describe small modular reactors. Provide feedback on this episode.

Have you ever felt safer letting someone else decide—not because you didn't care, but because choosing for yourself felt overwhelming or even dangerous? Dr. Greg explores the dependent defense pattern and why giving up agency can feel like survival—until healing restores the freedom to exist, choose, and love. Key Topics: Why dependency isn't just fear of being alone—but fear of not existing alone How proximity can start to feel like survival Why some people lose touch with what they want, like, or dream about How dependency can quietly shape marriages, families, and faith And how healing doesn't erase need—it restores freedom Learn More: Being Human episodes on narcissistic personality patterns: Ep. #261: Narcissism and the Terror of Being Ordinary Ep. #262: Spiritual Narcissism: Exposing the Sneaky Way We Use Religion as a Pattern of Protection Ep. #263: Holiness and Narcissism Ep. #264: IFS, JP2 and Narcissism Is Leadership of the Family a Man's Job? (Being Human, Ep. #201) Correcting Aquinas: JP2's Truth Bomb on Gender and Human Dignity (Being Human, Ep. #197) Being Human episodes on Parts Work:  Ep. #34: A New Theory! w/a Catholic Lens Ep. #35: Why Do I Feel Like I Have Conflicting Thoughts? w/ Dr. Peter Malinoski Ep. #49: Internal Family Systems & External Family Tensions  Need help? Schedule a free CatholicPsych consultation Want to help? Learn more about our Certification in Professional Accompaniment Follow Us on Socials:   Instagram | Facebook | YouTube | Twitter (X) | LinkedIn

Your best content doesn't have an expiration date—so why let it sit dormant in your feed? Today, I'm breaking down a super simple strategy for increasing downloads on your older content through your existing audience.We'll walk through how to reference older episodes in a way that adds value, feels natural, and guides listeners without overwhelming them. Plus, I'm giving you a plug-and-play formula for how to do it and examples you can steal.Clocking In with Haylee Gaffin is produced by Gaffin Creative, a podcast production company for creative entrepreneurs. Learn more about our services at Gaffincreative.com, plus you'll also find resources, show notes, and more for the Clocking In Podcast.Find It Quickly: The simple strategy for growing downloads on old episodes (1:38)The formula for mentioning an old episode (2:25)Creating compilation content from old episodes (4:48)Practical advice for sharing old episodes (5:52)Connect with Haylee:Soundboard Society: gaffincreative.com/soundboardInstagram: instagram.com/hayleegaffinWebsite: gaffincreative.comReview the Transcript: https://share.descript.com/view/mBU5XeyNH88 Hosted on Acast. See acast.com/privacy for more information.

A Victorian man was left injured after he was attacked by a Kangaroo, while trying to protect his pet dog. In this edition of the Conversation Hour we discuss how to stay safe around the species.Also in this edition, the hype around Wuthering Heights, antiques in an age of fast furniture and the art of voice coaching.

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  26:51   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Six Flags is rolling out a simplified season pass structure. Silver passes grant access to a single park. Gold passes now cover all parks within a regional tier: East, Midwest, Texas, or West. Prestige passes unlock the entire North American chain. Existing gold passholders who added the All Park upgrade are automatically bumped to Prestige, and for a limited time, gold passes are available at the silver price at select parks. Is this simply a turnstile play? Or is it a hedge to keep customers when they close future parks? Disney's Experiences segment posted $10 billion in quarterly revenue with 6% growth, carrying a company where Entertainment lost 35% of its income and Sports dropped 23%. Disney credited its newest cruise ships for the growth but flagged international visitation headwinds at domestic parks. Against that backdrop, Josh D'Amaro replaces Bob Iger as CEO on March 18, becoming the first person in the top job who has actually run a theme park. The Wall Street Journal framed the succession as a contest for Disney's soul between real-world and on-screen entertainment. With the parks propping up the rest of the company, D'Amaro's promotion raises a question worth watching: is this good for the guest experience, or just good for the balance sheet? Listen to weekly BONUS episodes on our Patreon.

The pre-season rolls on, and we're back with another episode of The Keeper League Podcast — this time diving deep into keeper rankings and dynasty draft strategy.Joining us this week is Matty D'Sena as we unpack Heff's Top 100 keeper league rankings and what they mean for coaches building for both immediate success and long-term upside. Keeper leagues are all about balancing scoring, age profile, role security, and future growth — and this episode is designed to help you navigate that landscape with confidence.We break down how to interpret and apply the Top 100 rankings, where value pockets exist, and how different team builds should influence your draft decisions. Matty also shares his top dynasty rookie draft targets, highlighting the young players with the strongest mix of opportunity, talent, and long-term fantasy potential.We cover:• How to use keeper rankings to shape draft strategy • Interpreting Heff's Top 100 for short- and long-term builds • Value tiers and draft philosophy in keeper formats • Matty's top dynasty rookie draft targets • Younger players worth prioritising in long-term leagues • Strategy discussion around roster construction and timeline planningAn extended version of this episode is available for Keeper League members, featuring additional dynasty rookie discussion and deeper analysis of Matty's rankings.This episode is focused entirely on draft and keeper leagues — not salary cap formats — helping coaches make smarter decisions today while planning for sustained success.An extended version of this episode is available for Keeper League members, featuring extra discussion, deeper analysis, and additional strategy.Existing members can listen here: https://keeperleaguepod.com.au/bonus-episodesSign up as a member here: https://keeperleaguepod.com.au/keeper-league-membership/Links:Join our Discord server: https://discord.gg/APjqvT22zeJoin the Keeper Fantasy platform: https://keeperfantasy.com/ Play FootyNumbers: https://footynumbers.com Play FootyHeads: https://footyheads.com

Apprenticeship Week for 2026 starts 9 February so HortWeek has brought together two specialists in horticultural apprenticeships to explain how they work, the various options available and the vast array of benefits for employers and employees alike.Speaking to Rachael Forsyth in this episode are:Christa McDermot from BCA (Berkshire College of Agriculture) runs a range of land-based courses including horticulture.Helena Bassop from Euphorbia gardens and vice chair of the Chartered Institute of Horticulture Education and has a background as a lecturer, course manager and is an apprenticeship endpoint assessor. Hosted on Acast. See acast.com/privacy for more information.

United Artists, a new company formed by Charlie Chaplin, Mary Pickford, Douglas Fairbanks and D. W. Griffith - four of the most powerful figures in early cinema - was announced on 5th February 1919. The movie trade press quickly labelled it a ‘rebellion' against the mainstream studios. Declaring their new enterprise would exist to “protect the industry from itself”, the Hollywood quartet took aim at an industry that depended on long contracts, vertical integration and strict talent control. They hoped to see a greater degree of creative autonomy and financial reward, but perhaps underestimated the difficulty of running a distribution company and the risks the studio system itself had absorbed. Existing contracts delayed releases, investors were wary, and the promise of artistic freedom collided with the realities of inconsistent output, experimental failure and changing technology, including the arrival of sound. In this episode, Arion, Rebecca and Olly consider UA's eerily prescient ambition to counter ‘machine-made entertainment'; discover how an experience selling war bonds helped inspire  the idea for the studio; and explain why, despite their success, the studio still missed out on ‘Gone With The Wind'...  Further Reading: • ‘United Artists: The studio that challenged and revolutionised Hollywood' (Far Out, 2021):  https://faroutmagazine.co.uk/united-artists-studio-revolutionised-hollywood/ • ‘Artists Unite Against the Studios' (Celebrate California): https://celebratecalifornia.library.ca.gov/february-5-1919-artists-unite-against-the-studios-2/ • ‘Chaplin, Fairbanks, Pickford & Griffith Signing United Artists Contract' (1919): https://www.youtube.com/watch?v=yEBZU_KHSM0 #Hollywood #1910s #Business #Film Love the show? Support us!  Join 

Should you register a new RIA, or simply buy an existing RIA?If you are considering transitioning your practice to the RIA model, you have multiple pathways to choose from.Some advisors conclude they want to have their own RIA, others conclude joining an existing RIA offering is the better fit, etc.If having your own RIA is your chosen path, you might wonder if simply buying an RIA (as part of your transition) is the easier route to take to get into the model, versus going through the process of formally registering a new RIA.As I explain in this episode (#141) of the Transition To RIA question and answer series, it is generally advisable in this scenario to register a new RIA, versus buying an existing RIA.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/is-it-easier-to-acquire-an-existing-ria-or-register-a-new-one/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

The Army has launched a service-wide survey of all existing contracts to determine where limited access to technical data is hindering soldiers' ability to maintain and repair their own equipment. Federal News Network's Anastasia Obis has more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2.3.26 – Day 4/13 of the Red Skywalker Wavespell – Resonant Moon 25

The pre-season rolls on, and we're back with another episode of The Keeper League Podcast, this time turning our attention to AFL Fantasy forwards — all through a Keeper League lens.In this episode, we're joined by original co-host Kaes as our special guest, bringing his insight and experience to what's shaping up as one of the most important positional conversations heading into 2026.With the forward line always throwing up plenty of volatility, role changes, and breakout potential, we take a step back and look at how coaches should be thinking about forwards in draft and keeper leagues — balancing short-term scoring with long-term value, job security, and upside. We discuss what makes a forward worth investing in, how to identify the next big breakout, and where the traps might sit across the line.We cover:How to assess forwards in draft and keeper leaguesWhat roles and stats translate best to consistent forward scoringUndervalued options and potential bounce-back candidatesBreakout forwards and younger players worth trackingLong-term stash options for keeper formatsHow to approach forward trades, holds, and depth/bench planningListener questions round out the episode, touching on forward depth, keeper value, and how aggressive coaches should be when building out their forward line for both the short and long term.This episode is focused entirely on draft and keeper leagues — not salary cap formats — with analysis designed to help you make smarter decisions now while keeping one eye firmly on the future.An extended version of this episode is available for Keeper League members, featuring extra discussion, deeper analysis, and additional strategy.Existing members can listen here:https://keeperleaguepod.com.au/bonus-episodesNew members can sign up here:https://keeperleaguepod.com.au/keeper-league-membership/Links:Join our Discord server: https://discord.gg/APjqvT22zeJoin the Keeper Fantasy platform: https://keeperfantasy.com/Play FootyNumbers: https://footynumbers.comPlay FootyHeads: https://footyheads.com

While there isn't huge concern about Drake Maye's injury, we have more clarity about when the injury occurred after what Maye was saying today. Then, the Arcand Fire features some good video game and jersey talk after Jason Williams and Pablo Sanchez appear during the segment. And, the Kardashian curse seems to have hit the Patriots thanks to Kendall Jenner in Clickbait.

RV PODCAST NEWS EDITIONEpisode 586 - January 26, 2026Hey everybody, welcome to the RV Podcast News Edition. I'm Mike Wendland, and this is where we cut through the press releases, the hype, and the corporate spin to talk about what is really happening in the RV world.Now, quick programming note. If you are listening to this later in the week, we are watching a massive winter snow and ice storm that has affected campgrounds, travel plans, and even caused park closures across large parts of the country. Winter storm Fern has affected a huge swath of the country, 2,300 miles long, from Texas all the way to the East Coast. Ten states have reported more than a foot of snow. Many areas reported in excess of a half inch of ice. In some areas, an inch was reported, bringing down tree limbs across power lines. Well over a million customers have lost electric power and some may be without it for a week or more because of infrastructure damage and terrible road conditions.And as the snow, ice, and sleet slowly move off the eastern coast today, a massive cold front of arctic air is plunging much of the nation to dangerously cold temperatures. In the south, where temps rarely go below freezing, single-digit readings are being reported this morning.Obviously, this has affected many thousands in the RV Community. Fulltimers, even snowbirds who thought they were escaping the worst of winter in the mod south, are struggling to stay warm and keep the water running.The full affect of this storm is still be assessed but from everything we've been able to learn, RVers in the affected areas are reporting frozen water pumps at many campgrounds, propane shortages in the most affected areas and in some cases, no power. We've had reports from dozens of RVers impacted by the snow and overall, most say they are getting by. Most laid in plenty of bottled water, extra food, and made sure they had full tanks of propane and extra fuel for generators. One RVer - John, who lives in his Alliance fifth wheel in Missouri - said his biggest challenge was all the snow and ice piled on top of his slide out. He says the frigid air behind the snow isnt going to allow much melting and he is planning to get a ladder to clear the snow off.In Arkansas, a full-time couple - Sarah and Jim - said they wish they followed their friend's advice to haul their Jayco south towards Florida. “We have gone through two tanks of propane so far and the roads are so bad we can't get out to get them filled.” Her campground still has electricity but she said the lights have flickered and she expects she'll have to switch to generator power as the ice on the power lines is not melting.Perhaps the best assessment came from Ted, a Tennessee fulltimer, who lives in a fifth wheel on his own property along the Tennessee River.. “Most of us know what to do,” he said. “We can handle a week without power. We have a full fresh water tank and I have a 100 gallon propane tank to supplement the tanks in our rig. So we're dressed in heavy clothes and have extra blankets on the bed. This too shall pass.”Let's hope soon.Sop the storm dominates the RV news this week. But coming up, RVers are demanding a real voice with manufacturers, not a hand-picked group of industry insiders, and the response to that idea has been overwhelming.We will look at why campground reservations feel harder than ever to get, even as more parks are built. We will take a closer look at what is really happening in state parks, where long overdue upgrades are coming with some real tradeoffs. We will talk about used RV prices finally settling back toward reality.And we will have a little fun calling out how RV manufacturers keep copying each other's ideas, sometimes so closely it is honestly laughable.Before we get started…. a quick word about the RV Lifestyle Community at RVCommunity.com.If you are tired of ads, algorithms, and social media drama, this is different. It is a private, ad free community built by RVers, for RVers. Real conversations, real advice, real friendships.It is social media the way it SHOULD be.Learn more at RVCommunity.com.STORY 1 — It's Time RVers Had a Real VoiceFor years now, RVers have been talking among themselves about what is wrong with today's RVs.Too many quality issues. Too many poorly designed floorplans. Too many features that look great on a showroom floor but fail miserably in real life.And too often, it feels like no one in the industry is really listening.That thought hit home last week after a listener sent us a message that stopped us cold. He asked a simple but powerful question.Why don't RVers have a direct voice with manufacturers?With massive consolidation among RV manufacturers and dealers, buyers now have fewer real choices than ever before. You walk onto a mega dealer lot and see hundreds of rigs, but when you look closer, many are variations of the same designs, built by the same corporate parents, with the same lingering quality concerns.For many people ready to buy, the problem is not just price.It is confidence.They do not see the RV they actually want. And they are afraid to buy because of what they hear about reliability and workmanship.That is a terrible place for any industry to be.So it raises a bigger question.Who is speaking for real RVers?Right now, manufacturers mostly hear from dealers, sales teams, investors, and marketing departments.What is missing?Us.The people who actually live in these RVs. The ones who discover what works and what fails after thousands of miles of potholes, rainstorms, campground hookups, and real world use.Most feedback today is scattered across Facebook groups, YouTube comments, and forums. Thoughtful insights get buried in noise.That is not a system designed to build better RVs.It is a system designed to build frustration.So here is the idea that sparked a huge response.What if RVers spoke with one clear, organized, constructive voice?Imagine a live, moderated RVer Town Hall. Not a complaint fest. Not a shouting match. A serious conversation where experienced RVers present real world recommendations to manufacturers.Full timers and part timers. Fifth wheels and motorhomes. Retirees, families, weekend travelers.Talking about what actually matters.Build quality. Smarter layouts. Easier maintenance. Durability over decoration. Designs that match how people really camp.If structured properly and promoted well, manufacturers would pay attention. When customers speak thoughtfully and collectively, industries listen.Before we build anything like this, we want to hear from you.If you had five minutes with RV executives and engineers, what would you tell them?Not angry rants.Real ideas.Leave us a voicemail or send us an email at RVPodcast.com. We may feature your ideas on the podcast and use them as the foundation for a future live RVer Town Hall.This is not about tearing down manufacturers.It is about helping them build RVs that truly serve the people who buy them.Because the best RVs will not be created in boardrooms alone.They will be created when real RVers are finally heard.TRAVEL PLANNING WORKSHOP PROMOBefore we move on, a quick reminder.On February 5, I am hosting a live RV Travel Planning Workshop. This is where I walk you through how to plan smarter routes, find better campgrounds, avoid common mistakes, and build trips that actually match how you want to travel.It is practical, hands on, and you will walk away with a plan you can use immediately.Details and registration are available through our site, and I would love to have you join me.STORY 2 — Campgrounds Are Expanding, But Reservations Are Tighter Than EverHere is something RVers keep asking.If more campgrounds are being built, why does it feel harder than ever to get a reservation?On paper, things look good. New private parks are opening. Existing parks are adding sites. States are investing in infrastructure.But in practice, availability feels tighter than ever.RVers are traveling more often and staying longer. More parks are shifting toward monthly and seasonal stays for predictable income. Reservation systems make booking easier, but also more competitive.The result is a paradox.More campgrounds exist. But fewer open dates feel available.For RVers, this means planning earlier, being flexible, and sometimes looking beyond the most obvious destinations.STORY 3 — State Parks Are Upgrading, With Strings AttachedState parks are getting long overdue upgrades.New electrical systems. Rebuilt bathhouses. Extended sites for larger rigs.But these improvements come with tradeoffs.California has seen higher fees and reservation windows that fill in minutes. Florida has fewer first come, first served sites. Michigan's modernization brings 50 amp service and sewer hookups, but also higher nightly rates and tighter booking rules.Better infrastructure. Higher costs. Less spontaneity.State parks are still incredible values, but the old days of pulling in on a whim are fading fast.STORY 4 — Used RV Prices Are Finally Coming Back to EarthUsed RV prices continue to soften.Inventory is up. Buyers are cautious. Dealers are negotiating again.But buyers are selective.Condition matters. Maintenance records matter. Build quality matters.This shift is healthy. Confidence is returning, and patience is finally being rewarded.STORY 5 — Manufacturers Keep Copying Each Other, And It's Getting ObviousNow let's have a little fun, because this is one of those things you cannot unsee once you notice it.RV manufacturers love to talk about innovation.But if you walk a major RV show floor, you quickly realize how much copying is really going on.Case in point, the dinesk, that combination dining area and desk that slides, expands, and adapts depending on how you are using it.It was a standout feature in Brinkley RV models, clever, functional, and genuinely useful for how people live and work on the road.Fast forward to the Tampa RV SuperShow.Suddenly, a new Montana ad is showcasing a remarkably similar setup. And Winnebago rolls out a new towable with a nearly identical movable desk and dining combo.Coincidence? Not likely.And here is the part that makes industry veterans chuckle. Brinkley itself has been told that their dinesk concept resembles a similar idea introduced years ago by another fifth wheel manufacturer.In other words, the copying goes back generations.This is how the RV industry often works. One company takes a risk. Others watch carefully. And once the market responds, suddenly everyone has their own version.Sometimes that is healthy competition.But other times, it leads to stagnation. Instead of improving the idea, manufacturers simply replicate it, sometimes poorly, sometimes without understanding why it worked in the first place.The real opportunity here is not copying.It is listening.RVers know what features actually improve life on the road. They know what gets used every day, and what becomes a gimmick by the third trip.If manufacturers spent more time listening to real RVers and less time copying the rig across the aisle, innovation might actually mean something again.CLOSINGWhen you step back and look at all of this together, a pattern emerges.RVers want better built rigs. They want campgrounds they can actually access. They want state parks that balance upgrades with affordability. And they want to be heard.The RV lifestyle is thriving, but growth brings pressure. How the industry responds now will shape the next decade of RVing.Thanks for listening. We'll be back Wednesday with another Stories from the Road episode.

Stop trying to build new habits from scratch. In this episode, we explore why upgrading your current routines is the secret to sustainable productivity. We dive into the science of the 1% rule, habit stacking, and energy management. Learn how to identify what's already working and apply small, strategic tweaks (like the “Never Miss Twice” […]

Dave Lomas teaches from Genesis 12:1-9 on how Abram's story reframes faith—not as certainty about the future, but as allegiance to God. Slides available at https://bit.ly/3YYvJpq

The pre-season rolls on, and we're back with another episode of The Keeper League Podcast, this time turning our attention to AFL Fantasy rucks — all through a Keeper League lens.In this episode, we're joined by Jordan D'Sena as our special guest, bringing his insight and experience to a discussion that's set to be one of the most important positional debates of 2026.With new rules and interpretations coming into play, we take a step back and look at what they could mean for ruck scoring, role security, and long-term keeper value. We discuss how the changing landscape might impact different ruck profiles, whether teams move towards more flexible setups, and how fantasy coaches should be thinking about the position moving forward.We cover:How upcoming rule changes could influence ruck scoringWhat to look for when assessing rucks in draft and keeper leaguesUndervalued options and potential bounce-back candidatesBreakout rucks and younger players worth trackingLong-term stash options for keeper formatsHow to approach ruck trades, holds, and handcuffsListener questions round out the episode, touching on ruck depth charts, keeper value, and how aggressive coaches should be when building their ruck line for both the short and long term.This episode is focused entirely on draft and keeper leagues — not salary cap formats — with analysis designed to help you make smarter decisions now while keeping one eye firmly on the future.An extended version of this episode is available for Keeper League members, featuring extra discussion, deeper analysis, and additional strategy.Existing members can listen here: https://keeperleaguepod.com.au/bonus-episodesNew members can sign up here: https://keeperleaguepod.com.au/keeper-league-membership/Links Join our Discord server: https://discord.gg/APjqvT22ze Join the Keeper Fantasy platform: https://keeperfantasy.com/ Play FootyNumbers: https://footynumbers.com Play FootyHeads: https://footyheads.com

You know why referrals are so great? Because whoever is referring a client to you has already warmed up that person. This saves you both time and money. In this episode, Caterina shares 14 innovative tips and ideas that you can take action on right now to get more referrals from your existing clients. Listen to this episode to set your business up for success by having clients that are consistently sending you referrals.

In this episode, Cheryl McColgan discusses the concept of habit stacking, a technique that involves attaching a new habit to an existing one to make it easier to adopt. She shares her personal struggles with maintaining new habits and provides practical examples of how to effectively implement habit stacking in daily routines. The conversation emphasizes the importance of cues and motivation in forming lasting habits, as well as the value of research in validating health information. Takeaways Habit stacking is a technique to make new habits easier to adopt. Attaching a small habit to a daily routine can enhance consistency. The perceived importance of a habit affects motivation to maintain it. Using strong cues can help in forming new habits. Daily routines can serve as effective cues for new habits. Habit stacking can reduce decision fatigue. Disclaimer: Links may contain affiliate links, which means we may get paid a commission at no additional cost to you if you purchase through this page. Read our full disclosure here. CONNECT WITH CHERYL Shop all my healthy lifestyle favorites, lots of discounts!  21 Day Fat Loss Kickstart: Make Keto Easy, Take Diet Breaks and Still Lose Weight  Dry Farm Wines, extra bottle for a penny Drinking Ketones Wild Pastures, Clean Meat to Your Doorstep 20% off for life  Clean Beauty 20% off first order DIY Lashes 10% off  NIRA at Home Laser for Wrinkles 10% off or current promo with code HealNourishGrow Instagram for daily stories with recipes, what I eat in a day and what’s going on in life Facebook YouTube  Pinterest TikTok Amazon Store The Shoe Fairy Competition Gear Getting Started with Keto Resources The Complete Beginners Guide to Keto Getting Started with Keto Podcast Episode Getting Started with Keto Resource Guide Episode Transcript Cheryl McColgan (00:00.174)I’m Cheryl McColgan founder of Heal Nourish Grow and welcome to day 22 of the 30 days healthy habits challenge. Today is something that we’ve talked about a little bit throughout the challenge, but I haven’t really dedicated an episode to it yet and I haven’t challenged you to actually do it as part of the habit challenge and that is to habit stack. So habit stacking is really simple. It can sometimes be hard to find ones that put together that make sense. But when you can find those ones that go together that make sense, it just really makes this such an easier thing. So today’s challenge is to attach a small habit to something you already do every single day. So I think I just even mentioned this in the last recording for day 21 in the reflection thing is about if you missed habits, know, habit stacking is a great way to do those. Because if you’re finding them challenging to fit in your day, sticking them to something you already do is going to be one of the easiest way that you can make that stick. And then so I’ll give you an example of the one since I started making this challenge, I’ve been thinking about this a lot for myself. And here’s the one that I’m working on right now. So I have had this hair trauma for the last three years. It’s a really long story that you don’t need to hear about in this episode, which I have actually done a podcast episode on it before. But at any rate, it’s, you know, I’ve had a lot of trauma to my hair. I’ve had a lot of hair falling out. I’ve had some scalp irritation, things like that. And so I’ve been very focused on that. And one of the things I purchased to help me deal with this is this OS one supplement. I’ve been using their skincare for a while now. Absolutely love it. I have an article over at the website all about it. He says a peptide science. It’s really cool technology and it actually works and there’s some good clinical data behind it all. But anyway, oh, and just because I mentioned that If you read about it, you do get a little extra discount with my link or something. But anyway, the point of none of that is the point here. The point is that I find it difficult. I bought this hair serum and I bought like I can’t remember if I bought a three month supply or six month supply because you definitely get a bigger discount if you buy more. And plus, if you’re doing anything with your hair, it’s going to take you a little bit longer to actually notice results. Right. So anyway, I’m getting to the point I promise is that I bought that serum, probably a good Cheryl McColgan (02:20.305)six months ago now or maybe even longer. And I’ve only used it maybe a total of five times and I’ll start to think, okay, I’m going to use it today and then I’ll get on the new habit of doing this every day because you got to do it every day for it to really be effective. So I haven’t been able to do that up to this point. I don’t know why it’s such a simple thing. It’s not difficult. You literally split your hair, you put the serum on the scalp, you rub it in, you go to bed. Easy peasy, right? Can’t seem to make myself do it, but The one thing I do every single night is wash my face, brush my teeth and put on my skincare. put on the same skincare by the same brand that I put on my face every single night without fail. Doesn’t matter how late I’m out. Doesn’t matter what else I’ve done. I will not go to bed without washing my face, putting my skincare on and brushing my teeth. That is a solid set in habit that does not fail. for the last few days or since this challenge when I was talking about habit stacking several times, I’m like, this is just ridiculous. have this perfect habit that this pairs with, which is like I mentioned, my teeth and skincare routine in the evening, I just need to put that hair serum like literally where I cannot miss it. And so I had it on the counter next to my toothbrush. I don’t know why, but that wasn’t quite working because the flow. But what I found was I put the hair serum inside of a drawer that has the skincare. I took the hair serum out of the cabinet off the counter. put it in the drawer like literally right next to the moisture. And this is so dumb right, you’re like, why can’t you just put that in your hair every night? I don’t know why. This is why anybody has trouble with habits, right? This is why we’re doing this whole challenge. But put it right next to my skincare so that it’s literally right where I take them both out. I do the skincare part, I put that back and then I take the hair stuff and then I put it and rub it and put it right back next to the moisturizer. So that seems to be working. So that is a habit stack. So that was a very long winded way of telling you. But I also think it speaks to the fact that, you know, obviously none of us are perfect. Even those of us that are very good at discipline, very good habits. And also there’s something about the perceived importance of the habit, I think. So this particular thing, like if I put this stuff in my hair or not, it really doesn’t matter. It doesn’t affect anything. I’m not even sure 100 % that it will help or that it will work. So it’s not a high Cheryl McColgan (04:40.651)value habit, right? There’s not a whole lot of motivation example for me to continue that habit. Whereas something like changing your nutrition or changing your diet, if you’re say your goal is to lose weight, there’s a lot higher of motivation or importance. I won’t want to say motivation because motivation like we talked about that comes and goes. But the importance of that to your health or to your future goals, looking a certain way or having a certain body composition, the importance of that is a lot greater. than something like putting this stuff in your hair that may or may not work. You know if you change your nutrition behavior, change your eating behavior, that that will have a positive outcome. So I think you also have to look at the importance of any particular habit in relation to how hard that’s gonna be to maintain or how hard it’s gonna be to force yourself to do. So the whole reason this works is pretty obvious. The habit stacking, the first habit, the existing habit is the cue and there’s no motivation there. The second habit just comes right after it, because that’s where you’re sticking it now. And so again, this creates less decision fatigue. It just makes it easier for you to just go ahead and do it. So here’s an example. made this little formula that I wrote out so that we are all on the same page with this. It’s so ridiculously simple. But just for clarity, it’s after I blank, I will blank. So for example, after coffee, I will drink water. But I would put that in reverse, because as we talked about, It’s stacked like that can still be stacked even though we’re supposed to drink the water before the coffee because well the coffee is still the cube. We’ll go to the thing to get coffee and we’ll be like oh yes I’m Annie and I’m going to drink this water first. And the other thing is after brushing teeth I will stretch two minutes. So you’re picking a cue that happens every single day because we want this new habit we want it to be a habit that’s like an everyday habit we just stick it with there. So that is really it for today. If you keep forgetting then you might need a stronger cue. the more automatic the queue is, the easier it’s going to be to get this new habit to stick. So look for those things, like I said, like brushing my teeth or things that you’ve never missed. Those are the ones you want to stick it to. And as always, the links for the research, the links for the research, this week aren’t exactly tied to or for today aren’t exactly tied to habit stacking, but they’re just kind of the. Cheryl McColgan (07:01.517)way that goal setting interacts with habits and things. So I think those are pretty interesting, but those are in your email and in the tracker. As always, the optional journal prompt is there if you want to do that. And the research is always optional to read, but hopefully it’s, know, mostly if you just skim the abstract or skip down to the results, that would be a super quick read for you less than a minute. So also that could be a come a new habit, just like looking at, you know, looking at the research or especially, I don’t know, this one’s turning into a longer little episode here. But just this is a totally random unrelated thing, but to encourage you whenever you hear certain things online, before I repeat them, or before I invest a whole lot of time in belief or disbelief or whatever, I’ll go search the topic in the PubMed and just see if there’s any existing literature or research on the topic and see if it’s even in the direction of what the person is claiming online. Because there’s a lot of bad information out there nowadays. I’m sure you already know this. but it’s always nice to just consider the source, number one, and then go check, do a little research on your own and see. And the reason I like to go to PubMed first is because too many articles on the internet are all full of opinion, right? So just looking at the existing literature is a pretty good hint and a good signal to whether something is valid or not. So anyway, sorry to be a little tangential on this one, but hope you… Enjoy today’s habit. I hope you can find a habit that you can stack with one of your existing ones. And I’d love to hear all about it as always in the comments below. Or if it’s something you don’t want to share publicly, you’re always welcome to email me as well. And if you’re not signed up for this challenge yet, if you just randomly found this on YouTube and you’re like, what is this all about? You can go to healnourishgrow.com slash habits and you can start this 30 days of healthy habits anytime for free. just check that link out and you’ll get started that very same day or the next day, you’ll get the emails and then you’re onto your 30 days of creating new healthy habits. So that is it for today and I will see you again tomorrow.

The pre-season rolls on, and we're back with another episode The Keeper League Podcast, this time turning our attention to AFL Fantasy midfielders — all through a Keeper League lens.In this episode, we're joined by Damon Adams, commissioner of DT Shiva, as out special guest. He'll also give a full update on the competition as registrations open for 2026.We break down the midfield pool for keeper and draft leagues, identifying undervalued options, breakout candidates, and long-term targets who could shape leagues over the next few seasons.We run through:Undervalued midfielders who could bounce back or jump a tier in 2026Breakout candidates primed for increased CBAs, role changes, or opportunityYoung midfielders and stash options worth targeting in long-term keeper formatsHow pre-season roles, injuries, and list changes impact midfield scoringListener questions covering role security, keeper value, and draft strategyDamon also gives a DT Shiva update, including:Registrations opening February 1How the competition worksWhy it's perfect for coaches chasing a high-level draft challenge, community engagement, and strong rewardsThis episode is entirely focused on draft and keeper leagues — not salary cap formats — with analysis designed to help you win both now and in the future.An extended version of this episode is available for Keeper League members, featuring deeper midfield analysis, extra player discussions, and more draft strategy.Existing members can listen here: https://keeperleaguepod.com.au/bonus-episodesNew members can sign up here: https://keeperleaguepod.com.au/keeper-league-membership/LinksJoin our Discord server: https://discord.gg/APjqvT22zeJoin the Keeper Fantasy platform: https://keeperfantasy.com/Play FootyNumbers: https://footynumbers.comPlay FootyHeads: https://footyheads.com

In this episode of the REconomy Podcast™, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi dig into their 2026 outlook for the new-home market, framing how homebuilders remain well positioned in the competition for buyers with the existing-home market in the year ahead. However, that advantage may become harder to sustain as inventory and affordability in the existing-home market gradually improve. Don't miss a single REconomy episode, subscribe today.  

Existing home sales increased for the fourth months in a row, says Kevin Green, a positive signal for a struggling housing market. As for November's retail sales, he notes pressures in goods along with utility and gas prices accelerating higher. KG explains what it all means for the Fed's fight against inflation. On the commodities front, he talks about metals like gold, silver, and even tin hitting all time highs paired with crude oil's spike on geopolitical headlines. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Making your cafe run better, improving service, increasing profitability, and leveling up quality and value for your guests naturally brings to mind a host of new and different services, products, and strategies that we believe we need to employ. But the truth is that we often only need to look deeper into the existing opportunities we have to find the solutions we seek.  Today on the show we will be discussing a few areas of your shop that deserve a deeper look and more focus. Before you assume you have done all you can with what you currently have, listen to this episode and let it inspire you to maximize your existing opportunities! We will discuss: Your Community Your Current Menu Your Drink Quality Service + Hospitality Local Business Networks   KEY HOLDER COACHING GROUPS ARE BACK!  Spring 2026 Applications are now open! Become a part of a small focused group of experienced coffee shop owners in this powerful mastermind cohort hosted by Keys to the Shop! APPLY HERE!  Learn more at this link:  https://keystotheshop.com/key-holder-coaching-groups/     KEYS TO THE SHOP ALSO OFFERS 1:1 CONSULTING AND COACHING! If you are a cafe owner and want to work one on one with me to bring your shop to its next level and help bring you joy and freedom in the process then email  chris@keystothshop.com or book a free call now:  https://calendly.com/chrisdeferio/30min    SPONOR The world loves plant based beverages and baristas love the Barista Series!  www.pacificfoodservice.com   Related Episodes:  SHIFT BREAK! The New Classic Cafe: An Era of Understated Excellence 505: Maintaining Excellence in the Everyday Work of Coffee Shops w/ Maxwell Colonna-Dashwood Defining Excellence and Success  

Helena Moreno launches kick-ass streetlight initiative; Why are some people salty about Kamala's appearance at Moreno inaugural? Think Kamala "wasn't qualified?" Hope you're sitting down for this; The NFL divisional playoffs are set; "Women aren't rational enough to lead" LOL bro are you serious?!

On this episode of LoanOfficerPodcast.com, host Chris Johnstone sits down with top producing loan officer and branch leader Jay Rodriguez to unpack exactly how he built a $57 million production business by leveraging relationships he already had.   Jay shares how he turned past clients and referral partners into a consistent, repeatable source of business while helping his branch exceed 300 total closings. The conversation dives into the systems, habits, and team structure that allowed him to scale production without adding stress or sacrificing family time.   In this episode, you will learn:   How Jay structured his database follow up to create predictable repeat and referral business How video communication and simple automation replaced constant chasing and cold outreach How the right first hire helped him move from five loans per month to sustained high volume production   This episode is packed with real numbers, practical systems, and proven strategies loan officers can apply immediately.   Listen to the full episode now and subscribe to the Loan Officer Podcast for weekly insights from top producers building scalable, referral driven mortgage businesses.

The pre-season is officially underway, and we're kicking things off with a deep dive into AFL Fantasy defenders — through a Keeper League lens.In this episode of The Keeper League Podcast, we break down the defender pool for 2026, identifying undervalued options, breakout candidates, and draft targets who could shape keeper leagues over the next few seasons.We run through:Undervalued defenders who could bounce back or jump a tier in 2026Breakout candidates primed for role changes, midfield exposure, or increased responsibilityYoung defenders and stash options worth targeting in long-term keeper formatsHow pre-season roles, injuries, and list changes impact defender scoringListener questions covering role security, rule changes, and defender scoring trendsWe also cover a stack of Keeper League Gold Member updates, including improvements to the Mock Draft Simulator and the new Individual Rankings Tool.This episode is entirely focused on draft and keeper leagues, not salary cap formats — with analysis designed to help you win both now and in the future.An extended version of this episode is available for Keeper League members, featuring deeper analysis, bonus player breakdowns and more draft discussion. Existing members can listen here: https://keeperleaguepod.com.au/bonus-episodesNew members can sign up here: https://keeperleaguepod.com.au/keeper-league-membership/LinksJoin our Discord server: https://discord.gg/APjqvT22zeJoin the Keeper Fantasy platform: https://keeperfantasy.com/Play FootyNumbers: https://footynumbers.comPlay FootyHeads: https://footyheads.com

Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Wisconsin politicians' response to the fatal shooting of a woman in Minneapolis by a federal immigration agent are sharply divided by partisan lines. Wisconsin health officials are rejecting recent federal guidance to reduce routine childhood vaccinations. And, residents of a rural community in Brown County are worried that a sudden flurry of big-dollar real estate purchase offers means a data center could be coming to town.

Follow all of our content on https://jomboymedia.com Check out the not-quite-FIFA breakdown here: https://www.youtube.com/watch?v=nV3vq5UMrjU Check out current job and internship opportunities at Jomboy Media here: https://job-boards.greenhouse.io/jomboymedia 0:00 Back in the saddle0:15 Musical intro with John Prine0:54 Where has Mornin gone?2:20 What's coming up at Jomboy Media4:08 Visit to MLB Replay Center7:35 More recent developments10:30 More cricket? More cricket!13:50 Other sports/series requests23:21 What moment are you most proud of?26:28 2026 Warehouse updates29:05 Existing/returning shows32:50 Hiring/Internships36:15 Company growth strategy/process42:17 Scheduling and personal goals44:56 How did Canobbio end up back in the Warehouse for Blitzball Battle 7?46:05 What if “Savages in the Box” never happened?46:37 Baseball questions50:32 Rules changes for Blitzball Battle 8?52:45 Leave questions for next time! Featuring: JomboyEdited by: Rob Moretti Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

While 2025 might be in the rearview mirror, many of its economic trends carry into 2026. These are a few to watch that influence demand for multifamily.Can the labor market rebound and spur household formation? It was one of the biggest disappointments of last year, with essentially no job growth after April. Supply will be lower than recent peaks, but it won't completely disappear. Many markets in the Southeast and Southwest regions rely on strong job creation and migration to fill those units.How might a continued “K-shaped” economy impact rent growth? While consumer spending helped boost GDP in 2025, there was a significant divide based on income levels. Much of the spending was from top earners, while those with more moderate incomes were sensitive to inflation on essentials such as food and utilities. This trend could be a headwind for revenue growth, especially for properties with mid-to-lower rent levels.Will the frozen single-family market start to thaw? Existing home sales saw a slight rebound near the end of 2025, but they remained well below normal levels. The typical first-time home buyer is now 40 years of age, a record high. While the lack of affordability has kept people in rental housing longer, a positive for demand in the industry, it likely stunted job growth and spending that would have helped the broader economy.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Catch up on all the headlines in Utah Jazz, NBA, College Basketball, NFL, College Football and Utah Mammoth news with "What is Trending" for January 7, 2026.

Adam Rumack, co-founder of Open Circle, talks with J about subtle changes to the inner life of yoga communities and beyond. They discuss third series Ashtanga, taking over a Mysore room, nature-based rights of passage work, high demand communities, authorization, purity myths, underlying reality of natural order, hero journeys, perennial wisdom and power vacuums, vulnerability and responsibility, creating spiritual connection, attachment and strategic planning, and caring about each other enough to get beyond simple explanations.   To subscribe and support the show… GET PREMIUM. Say thank you - buy J a coffee. Check out J's other podcast… J. BROWN YOGA THOUGHTS.    

The Bulletproof Dental Podcast Episode 421 HOSTS: Dr. Peter Boulden and Dr. Craig Spodak DESCRIPTION In this conversation, Peter Boulden and Craig discuss the evolution of dental marketing over the years, emphasizing the importance of creating joy and hope in marketing strategies. They explore the significance of understanding patient psychology, the value of existing patients, and the need to sell benefits rather than procedures. The discussion also touches on the role of AI in dentistry and the necessity of having a clear process for patient care. Ultimately, they highlight the psychological aspects of success and the importance of believing in one's worth to achieve business goals. TAKEAWAYS Marketing is often seen as the key to practice growth. Creating joy and hope in marketing can attract patients. Selling benefits rather than procedures is crucial for patient engagement. Understanding patient psychology can enhance treatment acceptance. Existing patients can be a valuable source of referrals. Underpriced attention in marketing can lead to better patient acquisition. AI is set to revolutionize the dental industry in the coming years. Having a clear process can improve patient experience and satisfaction. The psychology of success is essential for achieving business goals. Continuous improvement and adaptation are necessary for success in dentistry. CHAPTERS 00:00 The Role of Marketing in Dentistry 05:07 Creating Joy and Hope in Marketing 10:07 Selling Benefits Over Procedures 15:13 The Importance of Understanding Patient Needs 19:59 Seeking Underpriced Attention in Marketing 28:48 Maximizing Online Presence through Reviews and SEO 30:08 The Shift Towards Long-Form Content and Video Engagement 31:43 The Impact of AI on Business and Patient Care 33:10 Navigating the Future of Dentistry with AI 35:08 The Importance of Marketing Strategies and Underpriced Attention 39:16 Leveraging Existing Patients for Growth 41:46 The Power of Asking for Referrals and Retention 43:38 Communicating Services Effectively to Patients 44:18 Creating a Clear Process for Patient Care 46:58 The Role of Psychology in Business Success 55:32 Outro REFERENCES Bulletproof Summit Bulletproof Mastermind  

Episode 531 Show Notes: The 5 AI Prompts Every Parent Should Know How to turn your lunch break into a six-figure business blueprint using questions everyone has access to Episode Summary Discover the 5 specific ChatGPT prompts that are helping parents build AI-powered side hustles without sacrificing family time. Host Ace Allan reveals the exact questions that turn lunch breaks into business breakthroughs and shows why the biggest AI goldmine isn't in fancy tools—it's in asking better questions. Key Timestamps & Insights 00:00 - Opening 00:35 - Overview 01:15 - The Paradigm Shift 02:50 - Prompt #1: The Market Detective Prompt: "I'm a parent with [X hours] available per week. Analyze the top 5 problems that [target audience] are actively paying to solve right now. For each problem, tell me: the average price people pay for solutions, how saturated the market is, what skills I need to serve this market, what solutions have they already tried and failed, and rank them by opportunity for a beginner. 04:25 - Prompt #2: The Business Blueprint Prompt: "Create a detailed business plan for a [service/product] targeting [specific audience]. Include startup costs under $500, time commitment of [X hours/week], step-by-step launch sequence, pricing strategy, and first 90-day action plan. Make this realistic for someone with no prior business experience." 05:55 - Prompt #3: The Content Machine Prompt: "Generate 30 days of content ideas for [your business niche]. For each idea, provide: the main topic, 3 key points to cover, a compelling headline, a specific problem it solves for my audience, and format this as a content calendar that I can batch create in one weekend." 07:15 - Prompt #4: The Problem Solver Prompt: "I want to solve [specific problem] for [target market]. Give me 5 different business models I could use, ranging from low effort/low income to high effort/high income. For each model, explain how it works, what I would charge, how to get my first customer, and realistic income potential in months 1, 6, and 12." 08:35 - Prompt #5: The Launch Accelerator Exact Prompt: "Create a 30-day launch plan for [your business idea]. Include daily tasks that take maximum [X hours per day], what to post on social media, how to find my first 10 clients, what tools I need (free options preferred), and how to validate my idea before investing a single dollar. Make this actionable for a busy parent." 10:35 - Why This Matters 11:20 - Whiskered Wisdom Strategies Shared The 5 Core AI Prompts Market Detective - Rapid market research and opportunity identification Business Blueprint - Comprehensive business planning with realistic constraints Content Machine - Systematic content creation and calendar planning Problem Solver - Multiple business model exploration and validation Launch Accelerator - Step-by-step 30-day implementation plan Implementation Framework Use during lunch breaks, naptime, or evening "side hustle mode" Start with constraints: available time, budget, family commitments Focus on problems you already understand as a parent Validate before investing significant time or money Parent-Specific Advantages Parenting experience provides unique market insights Time constraints force efficiency and focus Family-first values align with sustainable business models Existing problem-solving skills transfer to entrepreneurship Episode On Deep AI Deep Research DarkHorseSchooling.com/EP513 Resources Mentioned Primary Resource AI Escape Plan Newsletter - Weekly practical AI strategies for parents. DarkHorseInsider.com ChatGPT Toolkit - Advanced versions of all 5 prompts plus templates Upcoming 50 AI Prompts Collection - Specific side hustle prompts for beginners (joint the newsletter to get 1st access) Tools Referenced ChatGPT - Primary AI tool for all prompts Deep Research Mode - Enhanced research capabilities (separate episode referenced) Any LLM model (Claude, Gemini, Perplexity) - Alternative AI platforms Action Steps to Take Immediate Actions (Tonight) Choose one prompt that resonated most during the episode Open ChatGPT (or preferred AI tool) Customize the prompt for your specific situation, available time, and target audience Hit enter and start the conversation - don't overthink it Ask follow-up questions to refine and improve the output This Week Test the Market Detective prompt with 2-3 different target audiences Run the Business Blueprint prompt for your most promising opportunity Sign up for AI Escape Plan newsletter for ongoing strategies and community Next 30 Days Implement the Launch Accelerator prompt for systematic business development Use Content Machine prompt to plan and batch-create marketing content Apply Problem Solver prompt to validate and refine your business model Join the AI Escape Plan newsletter - your weekly dose of practical, AI-powered strategies designed specifically for parents who refuse to choose between family time and financial freedom. Join here -> DarkHorseInsider.com Sign up now and get the complete "ChatGPT Toolkit" including: Advanced versions of all 5 prompts Exact templates used by successful parent entrepreneurs Early access to the upcoming 50 AI Prompts collection Your roadmap to more money, more freedom, and more of what truly matters starts here.

While our team is out on winter break, please enjoy this episode of CISO Perspectives. Regulation is a double-edged sword. While it helps create structure, establish accountability, and set standards, it also creates unnecessary hurdles, slower response times, and overly rigid systems. With every administration, policy goals and subsequently regulatory stances change, which can have major impacts on business operations. In this episode of CISO Perspectives, host ⁠Kim Jones⁠ sits down with Ben Yelin, from the University of Maryland Center for Cyber Health and Hazard Strategies, to discuss the current state of regulation. Throughout the conversation, Ben and Kim discuss how the current administration views regulations and the future role of the federal government. Regulation is a double-edged sword. While it helps create structure, establish accountability, and set standards, it also creates unnecessary hurdles, slower response times, and overly rigid systems. With every administration, policy goals and subsequently regulatory stances change, which can have major impacts on business operations. In this episode of CISO Perspectives, host ⁠Kim Jones⁠ sits down with Ben Yelin, from the University of Maryland Center for Cyber Health and Hazard Strategies, to discuss the current state of regulation. Throughout the conversation, Ben and Kim discuss how the current administration views regulations and the future role of the federal government.  This episode of N2K Pro's CISO Perspectives podcast is brought to you by our sponsor, Meter. Meter provides a full-stack, enterprise-grade networking solution—wired, wireless, and cellular—designed, deployed, and managed end-to-end. From hardware to software, ISP to security, Meter delivers seamless, secure, and scalable connectivity for modern business environments. Learn more about ⁠Meter⁠. Want more CISO Perspectives? Check out a companion ⁠⁠⁠blog post⁠⁠⁠ by our very own Ethan Cook, where he breaks down key insights, shares behind-the-scenes context, and highlights research that complements this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, the guys dive deep into what it really takes to transform a watersport business from “getting by” to intentionally profitable. Kevin and Greg sit down with Zeb Smith from Zebulon LLC to unpack the powerful results of disciplined spend management, strategic pricing, and participation in peer groups like the Eddie. They share real numbers, lessons they learned through their careers, and the mindset shifts required to stop guessing and start leading with data. From uncovering six figures in unnecessary expenses to building smarter pricing models based on demand, this conversation shows operators how to create profit without adding more boats, staff, or stress while reigniting passion for the business along the way.[SPONSORS] - This show is sponsored by Take My Boat Test and WaveRez.Show Links:Website: https://www.watersportpodcast.comFacebook Page: https://www.facebook.com/awgpodcastFacebook Group: https://www.facebook.com/groups/1155418904790489Instagram: https://www.instagram.com/awg_podcast/

HT2487 - Solving a Non-Existing Problem I can't blame camera manufacturers for wanting to call our attention to their new features. However, it's amazing how many times the new features they brag about have absolutely nothing to do with my photography. It seems as though there are always technical solutions being offered for non-existent problems. Show your appreciation for our free weekly Podcast and our free daily Here's a Thought… with a donation Thanks!

If you've ever considered becoming a Streetwise Hebrew patron but haven't gotten around to it, now might be the best time to join and gain access to our all-Hebrew episodes. Starting January 1st, our entry level Patron tier will see its first ever price increase since we started using Patreon more than 10 years ago. The price change only applies to new patrons who sign up after the end of this year. Existing patrons and those who sign up in the coming days will continue paying the current monthly rate. By signing up before the end of the year, you're effectively getting a 37% discount, because the current $5 tier will go up to $8. Existing Patrons, at all tiers, will not see any change to their monthly fees. Go to patreon.com/streetwisehebrew and see if it's right for you.

In this final episode of the Advent season Ruth and Marilyn discuss the unique spiritual invitations and soul work of the winter season. They touch on the inward journey of self-examination, processing grief, and embracing the transformation in life's dormancy. They conclude with a deep discussion on themes of letting go, living in the present, and the spiritual significance of endings and new beginnings. The episode also features a poignant poem by Robert Hayden and an Advent-themed prayer by Ted Loder.   Questions for Reflection: How would you name or characterize the season that you're in?  How can we be present in the season that we're in versus clinging to something else?  How  can we trust the letting go process of one season, letting go of one in order to embrace the next?    In this season of the Strengthening the Soul of Your Leadership podcast, Ruth invites listeners to embark on a unique journey during Advent 2025. Departing from traditional liturgical approaches, we will focus on the overlap between the seasons of Advent and winter, inspired by Marilyn McIntyre's book 'Midwinter Light: Meditations for the Long Season.' Ruth will be joined all through Advent by Marilyn McIntyre, herself. Together they will explore themes such as inner reflection, the significance of silence, and the profound connections between spirituality and the physical season of winter.    Marilyn McEntyre is an author of over 20 books, including Caring for Words in a Culture of Lies (2021) and Speaking Peace in a Climate of Conflict (2020). Her book, What's in a Phrase? Pausing Where Scripture Gives You Pause won the Christianity Today book award in spirituality. Midwinter Light, reflections on poems for the “long season,” has just been released. A former professor, now writer, writing coach, speaker, and retreat leader, her deepest interests lie in connections between spirituality, language, healing earth, and each other. She teaches regularly for programs at Western Seminary, New College Berkeley, and the Oblate School of Theology.   Music Credit: Kingdom Come by Aaron Niequist Joseph's Prayer from Advent Music in Solitude   We're starting a Substack! This will be “a new home for reflection, conversation, and connection with our transforming community.” Our new Substack is called “On the Journey with the Transforming Center,” and it will include thoughtful reflections from Ruth Haley Barton and the Transforming Center team, as well as alumni and friends of the Transforming Center, occasional special video teachings and guided practices, and space to interact with our content and respond with how God is working in your life through the posts. This will also be the new home of all of our podcast patron content! There will be free and paid tiers. We'd love for you to join us over on Substack. (Existing patrons, check Patreon for a special link to provide you with a discounted rate!) Support the podcast! This season patrons will receive spiritual practices tethered to the lectionary readings to accompany them through Advent. Become a paid member of Substack today to receive these practices and so much more!   The Transforming Center exists to create space for God to strengthen leaders and transform communities. You are invited to join our next Transforming Community:® A Two-year Spiritual Formation Experience for Leaders.  Delivered in nine quarterly retreats, this practice-based learning opportunity is grounded in the conviction that the best thing you bring to leadership is your own transforming self! Learn more and apply HERE.   *this post contains affiliate links

Jason and Michael critique predictions of a housing market crash, arguing that current data contradicts "doomer" narratives. They highlight that inventory levels and months of supply are significantly lower today than during the 2008 financial crisis, making a massive price collapse unlikely. The speakers emphasize that government intervention and central bank policies are structurally designed to support the housing market, as it represents a massive portion of the national economy. They also point out that rising wages and increasing FHA loan limits are improving affordability and driving transaction volume. Ultimately, the discussion advises investors to ignore emotional clickbait and instead align themselves with long-term economic facts and cash-flowing assets. https://onerentalatatime.com/ #HousingMarket2025 #RealEstateFacts #NoHousingCrash #InventoryShortage #NARData #HousingInventory #MedianSalesPrice #Affordability #WageGrowth #TransactionVolume #EconomicStability #FHALoanLimits #GovernmentIntervention #CentralBanks #IncomeProperty #FixedRateDebt #CashFlow #MarketCycles #RealEstateInvesting #WealthBuilding #HousingSupply #MarketTrends #SmartInvesting #FactCheck #EconomicImpact #HousingBubble #PropertyInvestment #DebtDestruction #MarketTruths #InvestmentStrategy   Key Takeaways: 00:00 Intro 1:34 NAR Data: What they're NOT telling you 11:17 Existing home sales 16:55 What a housing crash needs  19:22 Hgher limits on FHA loans 22:08 Keep banging that drum   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com