Podcasts about Explanation

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Lions Head Coach Dan Campbell went on  @971theticket  this morning and tried to explain his thinking for going for the field goal and sending the game into overtime on Sunday. Matt Dery discusses that here and is still confused by the audio. We play it for you. Also, how big of a loss is CJ Gardner-Johnson? Huge. The Lions will be without their stud safety for likely the rest of the season. In addition, we talk about Jared Goff and how good he has been compared to other QB's so far in 2023. #firstlisten Support Us By Supporting Our Sponsors! Jase Medical Save more than $360 by getting these lifesaving antibiotics with Jase Medical plus an additional $20 off by using code LOCKEDON at checkout on jasemedical.com. birddogs Go to birddogs.com/LOCKEDONNFL or enter promo code LOCKEDONNFL for a water bottle with any order. You won't want to take your birddogs off we promise you. PrizePicks Go to PrizePicks.com/lockedonnfl and use code lockedonnfl for a first deposit match up to $100! Gametime Download the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase. Last minute tickets. Lowest Price. Guaranteed. eBay Motors For parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply. LinkedIn LinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply. FanDuel Make Every Moment More. Right now, NEW customers can bet FIVE DOLLARS and get TWO HUNDRED in BONUS BETS – GUARANTEED. Visit FanDuel.com/LOCKEDON to get started. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Follow & Subscribe on all Podcast platforms…

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the entitled, intrusive questions are actually a violation of human rights at this point. enough is enough. Support the showMore about me: https://www.myloveisaverb.comMore specifically about the podcast:www.twitter.com/NDRpodcast www.nigeriandykerealness.com Mixtape/Playlist: https://open.spotify.com/playlist/6R1SFz2YLwQM1WtnwFlCL3?si=bgQdNUGsTVaGk2lrzF7rpQ

Sara Clime talks about transitions in this week's episode. As a caregiver, transitions are something that is common, yet rarely easy. Join Sara as she gives some practical (and unapologetic) steps that she has implemented over the years to help reduce the overwhelm, decision fatigue, and general anxiety that comes with inevitable change. Getting practical through a transition (big or small) doesn't eliminate the emotions. However, getting practical establishes an element of control when the world around us seems to be in chaos. Ep.141; September 19, 2023Key Moments:[3:42]  Feeling the feels when navigating transitions[6:16] Getting practical when in transition-overwhelm (5 steps)[6:28] Step 1: "No." is a complete sentence[6:46] Step 2: 3 pieces of paper, an app, and a matrix[10:12] Step 3: Recruit[10:42] Step 4: Calendar[11:21] Step 5: Be adaptableResources:https://asana.com/Explanation of the Eisenhower &/or Covey MatrixIf you enjoyed the show:Have you purchased our new book, The Other Side of Special? Subscribe to our newsletter on the Take Heart WebsiteGet our free resource on finding Gratitude, Peace, and HopeReview and like us on Apple Podcasts Share us with others from wherever you listen to podcastsFollow us on Instagram @takeheartspecialmomsFind Amy at www.amyjbrown.com/  or on Instagram @amyjbrown_writerFind Carrie at www.carriemholt.com or on Instagram @carriemholtFind Sara at www.saraclime.com or on Instagram @saraclimeSupport the show

Jock Brocas, Author, Publisher, Researcher and Evidential Medium discusses the topic of grief and its impact on individuals and society. Jock shares his personal experience with grief and emphasizes the importance of integrating it into our lives rather than trying to recover from it. He explains there is a societal fear and discomfort surrounding grief and how it affects our ability to support those who are grieving. Jock offers insights on empathy versus sympathy and encourages engaging with those who are grieving. He also discusses the transformative power of grief and the importance of leaders in the automotive industry supporting their team members who may be grieving. Jock shares his simple model for coping with grief and emphasizes the power of choice. It's our hope that this conversation will inspire you to approach grief with empathy, understanding, and acceptance. Jock Brocas, Author, Publisher, Researcher and Evidential Medium. jockbrocas.com Show Notes Watch Full Video Grief as a Journey (00:04:03) Jock talks about the different aspects of grief and how it affects various areas of life, including work and relationships. Grief as Integration (00:05:52) Jock explains that grief is not something to recover from, but rather something to integrate into our lives as a natural aspect of life. Engaging with Grief (00:06:07) Jock discusses the importance of engaging with those who have experienced loss, asking them to share stories and memories of their loved ones instead of offering empty platitudes. Fear and societal expectations surrounding grief (00:08:40) How fear and societal expectations contribute to the discomfort and avoidance of discussing grief. The need to include and support those who are grieving (00:11:11) The importance of including and supporting individuals who are grieving, rather than disconnecting from them out of fear. Finding Purpose in Grief (00:18:09) Exploration of how grief can become a transformative experience, leading to the discovery of purpose and a desire to serve others. Traumatic Grief and its Impact (00:23:03) Explanation of different forms of grief, including traumatic grief, and how it can be a result of experiencing a shocking or inexplicable loss. The Traumatic Grief Experience (00:25:28) Discussion on the personal experience of traumatic grief and the long-term effects it can have. The Impact of Grief on Leadership (00:26:21) Exploring how leaders in the automotive industry who are grieving can make wrong decisions and negatively affect the company and its employees. Tips for Coping with Grief (00:29:28) Advice on expressing grief, keeping the relationship with the loved one alive, and making the choice to continue living and transforming one's life. Beliefs and living in the present (00:34:23) Exploration of the importance of allowing beliefs to change and living in the present moment. Cultivating personal growth (00:34:41) Metaphorical explanation of how Jock sees himself as a gardener, planting seeds of personal growth and leaving it up to individuals to cultivate their own growth. Thanks to our Partner, NAPA Auto Care Learn more about NAPA Auto Care and the benefits of being part of the NAPA family by visiting https://www.napaonline.com/en/auto-care

When I released my first take on Russell Brand, we didn't yet have any allegations. We hadn't seen the rumoured approaching Times article or the Dispatches - which we still didn't even know was about Brand. All I had to go on was his defence and his insistence that people were conspiring against him. When I went live on YouTube, about 90% of the comments were angrily defending him, accusing me of being a shill, being mainstream media, believing accusations before seeing evidence etc. So I didn't go in hard on Brand. The problem is that just a few days later, that already looks dated. I removed the episode in question from the audio podcast. It is still on YouTube if you'd like to see, along with all the next livestreams I did in an effort to gradually move people towards accepting that these allegations are likely true. Learn more about your ad choices. Visit megaphone.fm/adchoices

We all hear that we need to have our child's strengths in the IEPs...but what does that actually look like? Here's the main topics we are covering today: -Explanation of why IEPs are typically negative Importance of incorporating a child's strengths into the IEP Frustrations with Current IEP Practices How trengths can be pulled down into accommodations, goals, and services Three Steps for Promoting Strength-Based IEPs School Struggles Summit: https://TheIEPLab.com/schoolstrugglessummit Parent Advocacy Club: https://TheIEPLab.com/CLUB  Shownotes: https://TheIEPLab.com/episode143   

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

When you use promo code BOOTLEG at https://play.underdogfantasy.com/p-bootleg-football with any deposit, they will MATCH that deposit up to $100!Also while you're here, shop dozens of designs for officially licensed gear for all 32 NFL teams over at Homage! Any purchase made at this link will also directly support our show. https://homage.sjv.io/BOOTLEGSUMMER0:00 Week 2 was awesome1:25 Are the Bengals okay?13:03 Geno Smith bounced back21:26 The Dolphins are overwhelmingly talented32:27 Russ got sacked seven times46:35 Daniel Jones' finest hour1:01:17 Final ThoughtsWhile you're here, follow E.J. and Brett at their respective twitter and instagram handles too:Twitter: @BrettKollmann and @FootballEJInstagram: @brett_kollmannThe Film Room: http://youtube.com/c/brettkollmannBFP on Apple: https://podcasts.apple.com/us/podcast/bootleg-football/id1501769114BFP on Spotify: https://open.spotify.com/show/6w5GeninFTtBagyBXQklLqBFP on Stitcher: https://www.stitcher.com/podcast/bootleg-footballSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, the host introduces Dr. RL Solberg, a professor of theology in Nashville, as their special guest. Rob shares his background and emphasizes the need to shine biblical and scholarly light on the roots of our faith and discusses his deepened appreciation for the Hebrew scriptures and the fulfillment of prophecies by Jesus. The host and Dr. Solberg also discuss the concept of God's people maturing throughout history and they caution against becoming legalistic or judgmental and emphasize the importance of balance and perspective.https://rlsolberg.com/https://unrefinedpodcast.comTimestamps:[00:02:59] Introduction to Dr. RL Solberg, a theology professor[00:07:00] Explanation of the Principle and Expression framework reconciling an unchanging God with the changes brought by Jesus.[00:11:57] God's people grow and mature in understanding God's character and principles over time.[00:13:58] The principle of blood atoning for sin expressed differently throughout history, from Adam and Eve to Jesus.[00:19:34] Hierarchy of morality, where certain principles may trump others in specific circumstances, with grace as a factor.[00:22:40] Purpose of God giving laws to the newly freed Israelites after their slavery.[00:23:46] Importance of Christ's once and for all blood sacrifice in relation to the Hebrew roots movement.[00:30:07] Concerns about division, judgment, and unbiblical practices [00:33:48] Spiritual aspect and susceptibility to conspiracy theories [00:34:53] Modern Christianity losing touch with supernatural roots of faith and importance of studying unusual aspects.[00:35:53] Connection between movements and deception[00:44:29] Sabbath concept [00:45:25] Discussion of Sabbath commands given to the Israelites at Mount Sinai in Exodus 20 and Deuteronomy 5.[00:48:27] Sabbath pointing to final rest in God's presence in the new heaven and earth.[00:57:23] Importance of showing up and being present for someone in need.[00:58:19] Biblical perspective of love as other-facing and blessing others.[01:04:42] Approach to debates and ministry, leaving a positive impression of Jesus as an ambassador for Christ.[01:06:43] Experience visiting death row in a maximum security prison and playing music for inmates.[01:10:33] Profound spiritual encounter on death row, feeling the presence of the Holy Spirit and witnessing inmate transformation.[01:16:03] YouTube channel with videos defending the biblical roots of Christianity, Hebrew roots, Bible study, and theological discussions.[01:17:59] Upcoming book and podcast series on the history and teachings of church fathers, including dialogue with truth and decay of beliefs.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4656375/advertisement

What is the difference between a war crime, a crime against humanity and genocide? And who holds those responsible to account? Anna Holligan, the BBC's correspondent in The Hague, gives an insight into how the International Criminal Court works. She shares some of the cases of those who have been charged with the gravest crimes of concern to the international community, from Congolese warlord Thomas Lubang to Bosnian Croat war criminal Slobodan Praljak.

I. Introduction to the episode and players A. Players who play for the love of the game B. Strong performance stats (over 1000 yards, over ten touchdowns, over 200 yards receiving) C. Honored player II. Announcement of a college scholarship opportunity A. Encouraging young student athletes to apply B. $2,500 scholarship amount C. Impact of scholarship on education costs III. Introduction to the "Tax Layer Gator Bowl Drive to Selection" show A. Insights into college football and the bowl season B. Specific showcase of the Gator Bowl C. Differentiation from College Football Playoff and New Year's six playoff games IV. Discussion of Boston College fans' trash-talking on message boards A. Mention of Eagle Insider message board B. Talks about discussions of contingency plans due to a possible hurricane impact C. Amusement at fans' comments V. Discussion of Jacksonville Jaguars' schedule A. Searching for information about the Jaguars' schedule B. Mention of the Jaguars playing the Atlanta Falcons in London C. Prediction of a tough game for the Jaguars against the Casey team D. Importance of performing well in early games for the Jaguars' season success VI. Craving for fried chicken and frustrations A. Desire for Jamaican food B. Mention of KFC and warnings against bringing it to Jamaica C. Comparison of fast food quality in other countries VII. Introduction to Food Analyzer, a blood test for food sensitivity A. Explanation of the test and its purpose B. Emphasizing the importance of food sensitivity testing for everyone C. Statistics on food sensitivities and allergies VIII. Commentary on a person's appearance A. Resemblance to a football player B. Questioning the person's athletic performance C. Opinions on unflattering pictures IX. Discussion of upcoming Jacksonville Jaguars vs Kansas City Chiefs game A. Mention of game venue at Jaguar Stadium B. Highlights of players and recent contracts C. Frustration about timing of contract signings and game results X. Suggestion for filling stadiums with kids for marketing purposes A. Proposal for partnership with local nonprofits B. Confusion over empty stadiums and missed marketing opportunities C. Miami's success with a similar strategy XI. Mention of a basketball team, charity partnerships, and ticket giveaways A. Reference to Jacksonville Giants basketball team B. Nina's association with Ron Shows C. Value of marketing dollars and exposure for local businesses through game attendance.

Key Takeaways: Tax loss harvesting involves selling stocks at a loss to offset capital gains and minimize tax bills. The immediate tax savings from tax loss harvesting can be significant, but it is essential to consider long-term implications. Tax losses can be carried forward indefinitely, providing potential benefits in future years. Tax loss harvesting should be part of a broader financial strategy and coordinated with other investment and estate planning goals. Chapters:   | **Timestamp** | **Summary** | | ------------- | ----------- | | 0:00:07 | Introduction and disclaimer | | 0:00:38 | Discussion about winter weather | | 0:02:26 | Mention of tax benefits of electrifying homes with renewable energy | | 0:03:19 | Introduction to tax loss harvesting | | 0:05:19 | Explanation of tax benefits of offsetting gains with losses | | 0:06:25 | Discussion on long-term benefits and considerations of tax loss harvesting | | 0:07:50 | Comparison of tax loss harvesting and donating stocks | | 0:09:33 | Importance of coordinating tax loss harvesting with overall financial plan | | 0:10:18 | Mention of minimizing tax on capital gains through donating stocks | | 0:11:26 | Contact information for further discussion on tax planning |     Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Philip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Phillip Washington, Jr. is a registered investment adviser.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.  

Chloe is back for a solo Bodcast, explaining an often misunderstood and misinterpreted term and answering the question ‘Body Recomp. What does it mean'. Introduction to Body Recomposition (00:04) Explanation of what body recomposition means and the misconception surrounding it. Can You Lose Fat and Gain Muscle at the Same Time? (01:27) Discussion on the possibility of losing body fat and gaining muscle mass simultaneously, with factors such as being new to weight training and having a lot of body fat to lose. Approaching Body Recomposition Goals (05:44) Advice on how to approach body recomposition goals, including setting realistic expectations and maintaining a healthy lifestyle with appropriate calorie intake and consistent weightlifting. Preserving Muscle Mass During Body Recomposition (11:47) Explains the importance of keeping lifting frequency, intent, and volume high, as well as consuming enough protein. Avoiding Steep Deficits for Muscle Preservation (12:45) Discusses the benefits of avoiding a steep calorie deficit over a long period of time to preserve muscle mass during body recomposition. Short vs. Longer Fat Loss Phase (13:46) Considers the duration of the fat loss phase based on the amount of body fat to lose, suggesting a longer journey for significant fat loss. Don't forget to like, subscribe, rate and review the Bodcast. It helps others find the podcast more easily!

This episode is brought to you by The Motivation To Succeed Podcast. I. Introduction A. Definition of imposter syndrome B. Brief overview of its prevalence in various communities II. What is imposter syndrome and why is it important? A. Explanation of imposter syndrome in relation to self-doubt and insecurity B. Discussion on societal and cultural factors that contribute to imposter syndrome in the Black community III. The unique experiences of Black men with imposter syndrome A. Examination of the intersectionality of race and gender B. Discussion on societal expectations and stereotypes faced by Black men IV. Personal stories and experiences of Black men with imposter syndrome A. Interviews or narratives from Black men sharing their journeys with imposter syndrome B. How these stories highlight common challenges and misconceptions V. The impact of imposter syndrome on mental health and well-being A. Discussion on the psychological effects of imposter syndrome B. Examination of the potential negative consequences on career and personal life VI. Strategies and support for Black men dealing with imposter syndrome A. Practical tips and techniques for overcoming imposter syndrome B. Highlighting the importance of community support and seeking professional help VII. Celebrating achievements and embracing self-worth A. Encouraging self-compassion and acknowledging accomplishments B. Inspiring Black men to embrace their unique talents and contributions VIII. Moving forward with confidence and resilience A. Empowering Black men to challenge societal expectations and stereotypes B. Encouraging continuous personal growth and self-reflection IX. Conclusion A. Recap of key points discussed in the blog B. Final thoughts on the importance of addressing imposter syndrome in the Black community IG: motivationtosucceedpod --- Support this podcast: https://podcasters.spotify.com/pod/show/tariq-k-hill/support

In this episode of the Thoughtful Entrepreneur, your host Josh Elledge speaks with the President of FlexScreen, Joe Altieri. Joe highlights that FlexScreen is the market's first and only flexible window screen. Unlike traditional aluminum screens that are difficult to handle and easily damaged, Flex Screen is easy to install and incredibly durable. It can even withstand being run over by a car! The idea for FlexScreen started as a hobby in Joe's garage about ten to twelve years ago. Being in the window and door industry, Joe saw a need for a better solution and took it upon himself to create it. Joe discussed how FlexScreen has scaled their business and protected their intellectual property. They purchased a digital marketing company to help spread the word about their product and have changed their business model to rely on licensing their technology to window manufacturers. This allows them to scale without the pain and capital investment of opening new manufacturing locations. Joe emphasized the importance of having the right attorney to protect their patents and ensure non-compete agreements are in place with licensees. He acknowledges the concern of cheap knockoffs and mentions the need to protect their intellectual property actively, even if it means going to court. Joe also talked about the importance of educating window manufacturers on how to sell their products as a differentiator in the market. Key Points from the Episode: Description of FlexScreen as a flexible window screen that is easy to install and durable Comparison of FlexScreen to traditional aluminum screens Explanation of why aluminum screens are still used despite their drawbacks Origin of the idea for FlexScreen and its development in Joe's garage Discussion of how FlexScreen has scaled their business and protected their intellectual property Importance of having the right attorney to protect patents and ensure non-compete agreements Need to actively protect intellectual property, even through legal action if necessary Importance of educating window manufacturers on selling FlexScreen as a differentiator Encouragement for entrepreneurs to seek education and support in entrepreneurship About Joe Altieri: Joe Altieri's journey began as an independent window industry salesman, where he notably excelled in selling window screens. His ability to persuade manufacturers to outsource screens led to annual sales exceeding three million dollars. Frustrated by the flaws in traditional window screens, Joe took on the challenge of innovating the century-old technology. His breakthrough came with a flexible frame design using spring steel, solving the issue of fragile aluminum frames. He further improved the product by bonding mesh with PVC for durability. Joe was invited to present his flexible window screen to the Sharks, and he appeared in Season 11, Episode 10 to a national television audience of 30+ million. About FlexScreen: Founded by Inventor & CEO Joe Altieri in 2013, FlexScreen introduced the pioneering concept of the "world's first flexible window screen." Developed to address long-standing issues with traditional aluminum screens, FlexScreen revolutionized the window industry. After obtaining multiple patents, the product entered the market, initially targeting window manufacturers and dealers. However, due to industry hesitance, Joe shifted his focus and engaged in direct consumer sales through a strategic digital marketing campaign. The brand's rapid growth and innovative design captured the interest of ABC's Shark Tank, further propelling its...

Chapter 1 What's The Righteous MindThe book "The Righteous Mind: Why Good People Are Divided by Politics and Religion" is written by social psychologist Jonathan Haidt. Published in 2012, the book explores the psychological foundations of morality, particularly how moral beliefs and values differ among individuals and cultures. Haidt argues that moral judgments are influenced by a variety of factors, including intuition, emotion, cultural upbringing, and social influences. The book also delves into the political and religious divisions that exist in society and offers insights into understanding and bridging these divides.Chapter 2 Why is The Righteous Mind Worth ReadThe Righteous Mind by Jonathan Haidt is worth reading for several reasons:1. Insight into human morality: Haidt explores the psychological foundations of morality and argues that our moral judgments are driven by intuition rather than conscious reasoning. He presents a comprehensive framework that helps us understand why people disagree on political and moral issues.2. Bridging political divides: In an increasingly polarized world, Haidt's book offers a fresh perspective on understanding those with opposing viewpoints. By delving into the moral foundations that shape different political ideologies, Haidt suggests ways to bridge the ideological divide and foster greater understanding.3. Explanation of moral psychology: Haidt draws on research in psychology, anthropology, and neuroscience to provide a deep understanding of why people hold moral beliefs, how emotions and intuitions play a role in moral decision-making, and why moral reasoning is often post-hoc rather than the driving force behind our moral judgments.4. Application in daily life: The insights from The Righteous Mind can be applied to various aspects of life, such as understanding and resolving conflicts, improving relationships, and making better decisions. Haidt's work encourages empathy and a broader perspective that transcends individual biases.5. Engaging and accessible writing: Haidt presents complex ideas in an engaging and accessible manner. He uses real-life examples, anecdotes, and clear explanations to make the book enjoyable and relatable to a wide range of readers, not just academics or experts in the field.Overall, The Righteous Mind provides a thought-provoking exploration of human morality, politics, and the differences that divide us. It offers valuable insights and practical applications, making it a worthwhile read for anyone interested in understanding human nature and improving societal discourse.Chapter 3 The Righteous Mind SummaryThe Righteous Mind: Why Good People are Divided by Politics and Religion is a book written by social psychologist Jonathan Haidt. In this book, Haidt explores the psychological foundations of morality and provides insights into why people are divided by politics, religion, and other social issues.Haidt's central argument is that humans have evolved a moral sense that is influenced by six foundations: care/harm, fairness/cheating, loyalty/betrayal, authority/subversion, sanctity/degradation, and liberty/oppression. These foundations shape our moral intuitions and provide the basis for our moral judgments.Haidt proposes that people differ in their moral intuitions because they prioritize these foundations differently. For example, liberals tend to prioritize care, fairness, and liberty concerns, while conservatives also prioritize loyalty, authority, and sanctity concerns. This difference in moral priorities leads to the political and cultural divides we see in society.Haidt argues that understanding these moral foundations can help bridge these divides and foster...

How can we be better at explaining things? On the 250th episode of the podcast, I'm joined by a very special guest who has made explaining an art form and has just published a book called ‘The Art of Explanation'.That guest is Ros Atkins. He's a BBC News presenter and the BBC's Analysis Editor. Ros is best known for his explainer videos, which, since 2019, have become a global phenomenon with vast audiences on social media and on the BBC's digital, TV and radio channels.His new book — full title ‘The Art of Explanation: How to Communicate with Clarity and Confidence' — is part autobiography, part history of his explainer videos and a practical guide to how we can all be better at explaining things.I've been a fan of Ros' videos and presentation style since first discovering them a few years ago. Not only have they made me smarter about the world, but the techniques he uses are engaging, informative and entertaining. So much so, in fact, that I've often found myself recommending to my clients that they watch them as masterclasses in how to make complicated subjects interesting and compelling.Key talking points:In our discussion, we explore: the importance of explanation and why we need to be better at it;the genesis of the explainer videos;the techniques Ros uses to make his videos;how Ros generates his ideas, sometimes taking inspiration from the most unexpected of places;lessons about how we can all be better at explaining things, not just at work but also in our personal lives;how Ros uses an entrepreneurial and collaborative approach to get projects off the ground;Texting Keith Olbermann, a very unusual BBC podcast that Ros recorded with his wife Sarah and US sports presenter Keith Olbermann.The 50:50 project, a highly successful initiative to support diverse representation in the BBC's journalism, which Ros started in the newsroom in 2017 and has now spread across the BBC and beyond;and much more.‘The Art of Explanation: How to Communicate with Clarity and Confidence' To find out more about Ros' book: geni.us/TAOEBOOKKeith Jarret Köln ConcertRos mentions a story about jazz musician Keith Jarrett and a concert Jarrett played in Köln, Germany. As he tells the story — which links to the Inheritance Tracks podcast below — Ros says that we must fact-check it. True to his reputation, after we'd finisjhed recording, he sent me this NPR link which appears to confirm the story: https://www.npr.org/transcripts/719557642This piqued my curiosity, and I did further research and discovered that a reporter from — where else?! — the BBC – had looked into the Köln concert story. Not only did he confirm the facts, but he also managed to interview the concert promoter in question. You can hear the story here: https://www.bbc.co.uk/sounds/play/p00ldwypYou can hear the Köln concert — part 3 features on the Spotify playlist below — here: https://open.spotify.com/album/0I8vpSE1bSmysN2PhmHoQg?si=UkPi_oTXR7Grrrwc403Fxg‘Art of Explanation' playlistThe Spotify playlist that features tracks from the book and podcast jointly curated by Ros and me: https://open.spotify.com/playlist/27ku9laOh8IantyEEdhTQa?si=fa1f8ca6d3cc41d1 Texting Keith Olbermann podcast You'll find Ros' podcast ‘Texting Keith Olbermann' here and on all podcast platforms: https://www.bbc.co.uk/programmes/p071wbr5Inheritance Tracks Hear Ros talking about Keith Jarrett's Köln concert and Steely Dan's Aja https://www.bbc.co.uk/programmes/p0g6c5bzThe ‘Ros Atkins on…' series https://www.bbc.co.uk/programmes/p095rjk1/episodes/playerMy absolute favourite of Ros' Explainer videos is Ros Atkins on…The Number 10 Christmas Party: https://www.bbc.co.uk/news/av/uk-59514568

OK, the title is SLIGHTLY misleading, as Jim hasn't read ALL available zombie apocalypse literature. But from what he's read, here are the clear best characters, and they represent a wide swath of the character types that you will encounter in great ZA lit. Enjoy! There will be MINOR SPOILERS necessary as I explain the awesomeness of these characters, but I won't completely ruin the plots of any of the books. 0:00 - Opening 3:07 - Explanation of Top 10 List 5:12 - 10, From the Extinction Cycle 8:45 - 9, from Arisen 11:00 - 8, from The Remaining 13:10 - 7, from The Walking Dead 14:29 - 6, from The Zombie Road 17:48 - 5, from Omega Days 19:52 - 4, from Zombie Fallout 22:05 - 3, from Zombie Fallout 24:00 - 2, from Zombie Fallout 26:38 - 1, from The Undead World 31:22 - Conclusion & Wrap-up #SFF #Zombies #ZombieApocalypse #SciFi #Fantasy We hope you'll Like and Subscribe! Join us on Discord: https://discord.gg/jMWyVJ6qKk Support us on Patreon: https://www.patreon.com/FantasyForTheAges Check out our merch: https://www.newcreationsbyjen.com/collections/fantasyfortheages Rate & review us at Apple Podcast or wherever you download content. Email us: FantasyForTheAges@gmail.com. Find us on social media: Mastodon: @FantasyForTheAges@nerdculture.de Twitter: https://twitter.com/Fantasy4theAges Instagram: fantasy_for_the_ages Facebook: https://www.facebook.com/FantasyForTheAges Want to create live streams like this? It works well for us, super easy! Check out StreamYard: https://streamyard.com/pal/d/6171715830022144 Want to create live streams like this? It works well for us, super easy! Check out StreamYard: https://streamyard.com/pal/d/6171715830022144

Moody's analysts Marat Faritov and Cristiano Ventricelli discuss how digital bonds could reshape debt markets, and the hurdles to be overcome before the technology can be more widely adopted.Speakers: Marat Faritov, AVP – Analyst, Moody's Investors Service; Cristiano Ventricelli, AVP – Analyst, Moody's Investors ServiceHost: Danielle Reed, VP – Senior Research Writer, Moody's Investors ServiceRelated Research:Digital bonds' features could transform debt markets over timeUS Congress works toward digital assets rules, but bills lack bipartisan supportCyber risk looms as digital bonds gain tractionDecentralized Finance and Digital Assets – Europe: Swiss digital bonds benefit from favorable existing and adapted federal lawsDeFi & Digital Assets: What is digital finance? Explanation and glossary

Have you ever thought about leveraging grant funding to make your practice's services more accessible to all? Join me as I sit down with Dr. Omolara Uwemedimo, a pediatrician and the owner of Melanin and Medicine. In this episode, Dr. Uwemedimo sheds light on the innovative concept of fiscal sponsorship and how it can help group practices secure funding through partnerships with nonprofits. During our chat we cover: Dr. Uwemedimo's background in global health and passion for making healthcare accessible. Explanation of leveraging grants for for-profit healthcare practices. Benefits of fiscal sponsorship for both for-profit practices and nonprofit sponsors. How Melanin and Medicine helps healthcare practices secure funding through partnerships with nonprofits. Steps involved in securing funding, including identifying target population, curating a database of nonprofits, and preparing proposals. Stories of how other group practice owners successfully accessed grant funding. Dr. Omolara Uwemedimo's innovative approach to funding is a game-changer for for-profit practices looking to serve underserved communities. By leveraging grants and fostering partnerships with nonprofits, you can secure the funding you need to expand your services and make healthcare more accessible to all. Thanks for listening! Like what you heard? Give us 5 stars on whatever platform you're listening from. Need extra support? Join The Exchange, a membership community just for group practice owners on our website www.thegrouppracticeexchange.com/exchange. Talk to you next time!   Resources mentioned in this episode: Melanin and Medicine Links   Connect with Maureen Werrbach & The Group Practice Exchange: Website Facebook Instagram LinkedIn   This episode is sponsored by TherapyNotes. TherapyNotes is an EHR software that helps behavioral health professionals manage their practice with confidence and efficiency. I use TherapyNotes in my own group practice and love its amazing support team, billing features, and scheduling capabilities. It serves us well as a large group practice owner. Do you ever wish for a financial therapist who could relieve you from the last few months of bookkeeping, talk you off the edge when you're running into issues with Quickbooks, or help you work through a profit plan for growth? GreenOak Accounting does just that! GreenOak Accounting is an accounting firm that specializes in working with group practices. Their value goes WAY beyond bookkeeping; they can help you get on track for financial success. Schedule a free consultation by going to http://greenoakaccounting.com/tgpe

Andrea and Dr. Barrie Tan continue their conversation about tocotrienols and their benefits for overall health especially in perimenopause and menopause. You can watch their first interview here (https://youtu.be/r4sT4khechI).Dr. Barrie Tan is a Ph.D. in chemistry and biochemistry who's an expert on Tocotrienols, a potent form of Vitamin E.Buy Morphus Toco-E here: https://bit.ly/44TxFAt0:21 Introductions and a discussion of carotenes, antioxidants, and polyphenols in relationship to annatto and tocotrienols.5:45 Explanation of cells and how fat protects cells from oxidative stress or damage.8:51 The difference between tocopherol and tocotrienol and why tocotrienols are better.11:22 The different types of supplements of vitamin E that you might see at the store and what the studies in the 1990s say about cardiovascular or anti-cancer benefits of tocopherols.14:12 How Barrie persisted in his research and the many studies he has participated in on cholesterol, prediabetes, metabolic syndrome, diabetes, fatty liver, and inflammation. In particular, people with non-alcoholic fatty liver disease (NAFLD) had a surprising benefit and were able to lose weight in the range of 10-15 pounds in 3-12 months.20:55 Hypercholesterolemia, cholesterol, and tocotrienols and how C-reactive protein relates to changes in LDL composition.28:54 Triglycerides (hypertriglyceridemia) and Syndrome X or Metabolic Syndrome and how tocotrienls help manage triglycerides.34:44 Dosing of tocotrienols35:00 Cancer studies and tocotrienols41:19 Ongoing studies relating to obesity and overweight individuals.43:40 Chemotherapy, tamoxifen, and tocotrienols46:17 How tocotrienols can act as an insurance policy52:04 Tocotrienols for IBD and Crhons54:38 Tocotrienols and menopausal women and bone health59:09 How estrogen acts as an antioxidant and the estrogenic properties of tocotrienols.1:03:48 Brain health and tocotrienols1:07:10 Heart disease and tocotrienols1:13:35 Hair growth and tocotrienols1:15:06 Hot flashes and tocotrienolsBuy Morphus Toco-E here: https://bit.ly/44TxFAtNote: Always take tocotrienols with a meal for best absorption.Barrie Tan's First Interview with Andrea https://youtu.be/r4sT4khechIWatch this video https://youtu.be/OmY0KoFqkJ0Join our Wearemorphus PRIVATE group: https://bit.ly/2MsxBBf======

Sometimes you just come across a story that makes you realize that you haven't had is so tough. You haven't had to start from scratch...ever. You haven't had to leave your life behind in your home country to start a new. You haven't had to learn a new career in short order to get financial footing. Well, I haven't but Laura Donadoni and her husband have.  The tone of this podcast defines humility and requires one to reflect on his or her own trials and tribulations. At least to take inventory against the story of Laura and her husband.. She landed on her feet as the Italian Wine Girl; more than an influencer but an educator, organizer and Italian wine flag waver as well. Indugle yourself in a story or pure humility and gut checks.    

Adrienne is joined by the brilliant journalist and broadcaster Ros Atkins. Explanation - identifying and communicating what we want to say - is an art. And the BBC presenter and journalist Ros Atkins, creator of the viral 'Ros Atkins on...' explainer videos, is something of a master of the form. In his book, Ros shares the secrets he has learned from years of working in high-pressure newsrooms, identifying the ten elements of a good explanation and the seven steps you need to take to express yourself with clarity and impact.You can buy Ros' book in stores and online here. Hosted on Acast. See acast.com/privacy for more information.

Grow Your Tax and Accounting Business With Our 5 Day Tax Growth Challenge! October 30 - November 3 2023! Click The Link below for more infohttps://taxgrowthchallenge.com/join-the-challenge You hear all the time how the rich don't pay their taxes and live their lives in luxury while the average Joe shells out most of his income to the IRS. What if I told you that you, yes....YOU, are capable of avoiding taxes completely, 100% legally just as the rich do? Anyone can accomplish this, but you need to know what you're doing, otherwise you might end up behind bars! Luckily, tax expert Karlton Dennis is here to fully explain the process! Taking the Next Step:

Marisa and Wayne discuss the Spider-Man Paradox, which is the idea that with great power comes great responsibility. They explore the responsibility that remote workers have in managing their own schedules and demonstrating their trustworthiness to their employers. They emphasize the importance of proactive communication, setting expectations, and taking ownership of one's work. They also discuss the need for remote workers to take responsibility for their own development and seek out opportunities for growth. Key Takeaways 1. Remote workers have the power to control their own schedules, but they also have the responsibility to demonstrate their trustworthiness. 2. Proactive communication and setting expectations are essential for building trust with employers. 3. Remote workers should take ownership of their work and be proactive in seeking out opportunities for growth and development. Timestamps 00:00:00 Introduction 00:00:37 Explanation of the Spider-Man Paradox 00:02:21 Remote workers getting defensive about responsibility 00:03:10 Demonstrating responsibility as remote workers 00:05:09 Trust is evidence-based 00:06:00 Three P model 00:07:07 Being proactive in communication with boss 00:07:41 Using Slack statuses to communicate availability 00:08:07 Importance of considering what others know 00:08:27 Misunderstandings when communication is lacking 00:08:27 Proactive communication and taking responsibility for creating problems 00:08:46 Checking with managers about priorities of tasks 00:09:27 Communicating daily tasks and work progress to managers 00:10:06 Asking for help and guidance when overwhelmed with tasks 00:10:38 Fear of looking incompetent leads to inaction and problems 00:11:46 Establishing a rhythm and clear communication within teams 00:12:12 Hybrid work situations and the need for schedule transparency 00:13:09 Need for better communication regarding office presence 00:14:04 Reflecting on one's own actions and trustworthiness 00:15:23 Taking ownership of personal development and career growth 00:16:57 Finding and sharing your own courses and trainings 00:17:19 Sharing learning opportunities with teammates 00:17:39 Closing Related Episodes The Return-to-Office Backfire: Why Scare Tactics Don't Work The Long-Distance Leader Anniversary Episode Remote Work Rants: Status Colors and the Need for Clear Communication Additional Resources Lessons from Spider-Man for Remote Workers Learn more about Wayne Turmel Email Wayne Turmel Connect with Wayne Turmel on LinkedIn Learn more about Marisa Eikenberry Email Marisa Eikenberry Connect with Marisa Eikenberry on LinkedIn Purchase a copy of The Long-Distance Leader Purchase a copy of The Long-Distance Teammate Purchase a copy of The Long-Distance Team The Kevin Eikenberry Group Order The Long-Distance Team Remote leadership experts, Kevin Eikenberry and Wayne Turmel, help leaders navigate the new world of remote and hybrid teams to design the culture they desire for their teams and organizations in their new book! https://longdistanceteambook.com/  Your Hosts Wayne Turmel: Master Trainer and Coach for The Kevin Eikenberry Group, co-author of The Long-Distance Leader: Rules for Remarkable Remote Leadership and The Long-Distance Teammate: Stay Engaged and Connected While Working Anywhere, and trainer of remote teams for over twenty years. Read More...  Marisa Eikenberry: Web developer, podcast editor, and technology support specialist for The Kevin Eikenberry Group. Has worked on a hybrid team for over 9 years. Read more... Subscribe to Long-Distance Worklife wherever you listen to podcasts. If you enjoyed this episode, please take a moment to rate the show 5 stars and leave a review! Connect with us: Instagram: https://www.instagram.com/longdistanceworklife/ YouTube: https://www.youtube.com/channel/UC2P22kW5iaX8zU3B0-HVCUA Website: https://longdistanceworklife.com/  TikTok: https://www.tiktok.com/@longdistanceworklife  Join us for a powerful, 4-part video series titled, Demystifying Remote Leadership. You will learn how to create solid working relationships in a virtual team with more confidence and less stress! Sign up: https://longdistanceworklife.com/video   Want us to answer one of your questions? Contact Us!  

That 70s show actors are in a big tangle right now and stay with us here as this story gets twisted -- but at the heart is a two rape convictions and the man convicted is Danny Masterson. Sentenced to 30 years to life in prison last week. For rapes of 2 women.See omnystudio.com/listener for privacy information.

Transcripts and FAQs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://docs.google.com/document/d/1qG1rvNaTFbjtVlYt7x5RxtUT3fFpuHfN_KAmpVuONsw⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The YouTooCanLearnThai website has not been maintained since late 2022. *** Unlock exclusive & ad-free episodes: Patreon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/youtoocanlearnthai/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (recommended for listeners in Thailand) Anchor/Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://anchor.fm/learnthai/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (recommended for listeners in USA, UK and 30+ available countries) Detailed tutorial: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://docs.google.com/document/d/1n-tZKW76sT7ULyvOVdH7_3NcPpbWmXRAzIZp7T0_rUM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Books: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://viewauthor.at/khrunan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Thai alphabet and activity books) Free audio flashcards for basic Thai vocabulary: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://quizlet.com/youtoocanlearnthai⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Merch (t-shirts and phone grips): USA: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.amazon.com/hz/wishlist/ls/1EZF44ILW1L5N⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ UK: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.amazon.co.uk/hz/wishlist/ls/14ESIQA0SZ5LL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Germany: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.amazon.de/hz/wishlist/ls/219DDRPHY347Y⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.facebook.com/youtoocanlearnthai⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.youtube.com/c/YoutoocanlearnThai⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ *** วันนี้แนนไปซื้อของที่ซูเปอร์มาร์เก็ตมาค่ะ ซูเปอร์มาร์เก็ตที่แนนไป สินค้าค่อนข้างครบครันนะคะ มีทุกอย่างที่แนนต้องการ วันนี้แนนก็ซื้อทั้งของกินและของใช้ ได้มาหลายถุง คิดว่าน่าจะพอกินพอใช้สักหนึ่งอาทิตย์ค่ะ *** วัน นี้ แนน ไป ซื้อ ของ ที่ ซูเปอร์ มาร์เก็ต มา ค่ะ ซูเปอร์ มาร์เก็ต ที่ แนน ไป สินค้า ค่อน ข้าง ครบครัน นะ คะ มี ทุก อย่าง ที่ แนน ต้องการ วัน นี้ แนน ก็ ซื้อ ทั้ง ของกิน และ ของใช้ ได้ มา หลาย ถุง คิด ว่า น่า จะ พอ กิน พอ ใช้ สัก หนึ่ง อาทิตย์ ค่ะ *** วันนี้แนนไปซื้อของที่ซูเปอร์มาร์เก็ตมาค่ะ Today I went shopping at a supermarket. ซูเปอร์มาร์เก็ตที่แนนไป สินค้าค่อนข้างครบครันนะคะ At the supermarket I went to, the products were quite complete. มีทุกอย่างที่แนนต้องการ It has everything I needed. วันนี้แนนก็ซื้อทั้งของกินและของใช้ Today I bought both food and non-food items. ได้มาหลายถุง I got so many bags of products. คิดว่าน่าจะพอกินพอใช้สักหนึ่งอาทิตย์ค่ะ I think they should be enough to eat and use for a week.

When you use promo code BOOTLEG at https://play.underdogfantasy.com/p-bootleg-football with any deposit, they will MATCH that deposit up to $100!Also while you're here, shop dozens of designs for officially licensed gear for all 32 NFL teams over at Homage! Any purchase made at this link will also directly support our show. https://homage.sjv.io/BOOTLEGSUMMER0:00 EJ has a new set!1:06 Monday Night Football lines3:12 Blame Canada?7:57 How is Daniel Jones still alive11:29 The Eagles barely survive New England18:37 Tua's Masterpiece in LA27:18 So the Bears are still bad...38:15 Sean McVay is back, baby43:29 The Vikings pulled a Viking46:06 Everything else that happened on Sunday50:07 Final ThoughtsWhile you're here, follow E.J. and Brett at their respective twitter and instagram handles too:Twitter: @BrettKollmann and @FootballEJInstagram: @brett_kollmannThe Film Room: http://youtube.com/c/brettkollmannBFP on Apple: https://podcasts.apple.com/us/podcast/bootleg-football/id1501769114BFP on Spotify: https://open.spotify.com/show/6w5GeninFTtBagyBXQklLqBFP on Stitcher: https://www.stitcher.com/podcast/bootleg-footballSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Lecture 1 @ St. Stephen Retreat Center - Titusville, FL ~ September 8, 2023

Explanation of the Verse in Surah An-Nisa' Containing Ten Rights by Albaseerah

Lecture 2 @ St. Stephen Retreat Center - Titusville, FL ~ September 8, 2023

Lecture 3 @ St. Stephen Retreat Center - Titusville, FL ~ September 8, 2023

Learn more about Edward Dowd and his projects: https://phinancetechnologies.com https://twitter.com/DowdEdward https://www.theyliedpeopledied.com Edward Dowd's Book - "Cause Unknown": The Epidemic of Sudden Deaths in 2021 & 2022 https://www.amazon.com/Cause-Epidemic-Sudden-Childrens-Defense/dp/1510776397 We The People must stand strong, stay united, resolute, calm and focus on the mission - God Wins! We at www.themelkshow.com want to thank all our amazing patriots pals for joining us on this journey, for your support of our work and for your faith in this biblical transition to greatness. We love what we do and are working hard to keep on top of everything to help this transition along peacefully and with love. Please help us amplify our message: Like, Comment & Share! The Show's Partners Page: https://themelkshow.com/partners/ Consider Making A Donation: https://themelkshow.com/donate/ Another way to get involved and find ways to become active in the community is to come meet Mel and many amazing truth warriors at our upcoming live in person speaking events. Together we are unstoppable. We look forward to seeing you. God Wins! https://themelkshow.com/events/ Liberty Defenders Event  On Florida's Atlantic Coast - Sep 12 Determined Patriotism Conference Kansas City, KS - Nov 10 & 11 ReAwaken America Tour Miami, FL - Oct 13 & 14 Tulare, CA - Dec 15 & 13 Remember to mention Mel K for great discounts on all these fun and informative events. See you there! Our Website www.TheMelKShow.com Rumble (Video) - The Mel K Show: https://rumble.com/c/TheMelKShow Twitter: https://twitter.com/MelKShow Twitter (Original): https://twitter.com/originalmelk TRUTH Social: https://truthsocial.com/@themelkshow Instagram: https://www.instagram.com/themelkshow/ CloutHub: https://app.clouthub.com/#/users/u/TheMelKShow Mel K Show Video Platform (Subscription): https://www.themelkshow.tv Bitchute: https://www.bitchute.com/channel/Iw2kiviwZpwx/ Podbean: https://themelkshow.podbean.com/ Gab: https://gab.com/MelKShow GETTR: https://www.gettr.com/user/themelkshow Locals.com: https://melk.locals.com/ Telegram - The Mel K Show Group: https://t.me/themelkshowgroup Banned Video: https://banned.video/channel/the-mel-k-show Brighteon: https://www.brighteon.com/channels/themelkshow Odysee: https://odysee.com/@themelkshow:5 If you are interested to explore investing in precious metals please contact below and mention MelK for special offers: Beverly Hills Precious Metals Exchange Buy Gold & Silver https://themelkshow.com/gold/ Speak with Gold Expert Andrew Sorchini…Tell Him Mel K Sent You! Support Patriots With MyPillow Go to https://www.mypillow.com/melk Use offer code “MelK” to support both MyPillow and The Mel K Show Mel K Superfoods Supercharge your wellness with Mel K Superfoods Use Code: MELKWELLNESS and Save Over $100 off retail today! www.MelKSuperfoods.com Patriot Mobile Support your values, your freedom and the Mel K Show. Switch to Patriot Mobile for Free. Use free activation code MELK https://www.patriotmobile.com/melk/ HempWorx The #1 selling CBD brand. Offering cutting edge products that run the gamut from CBD oils and other hemp products to essential oils in our Mantra Brand, MDC Daily Sprays which are Vitamin and Herb combination sprays/ https://themelkshow.com/my-daily-choice/ Dr. Zelenko Immunity Protocols https://zstacklife.com/MelK Dr. Stella Immanuel, MD. Consult with a renowned healthcare provider! Offering Telehealth Services & Supplements. Use offer code ‘MelK' for 10% Off https://bit.ly/MelKDrStellaMD Dr. Mark Sherwood. Take care of your health with Dr. Mark Sherwood and his team at Functional Medical Institute. Download the free e-book to develop physical and emotional resiliency www.Sherwood.tv/melk

Bobby previews week 1 of the NFL and discusses which rookie QB he thinks will have the best performance. Plus, ESPN's Matt Miller has already dropped a mock draft for 2024, and tells Bobby why Caleb WIlliams is the #1 overall pick... if he comes out. The guys finish the podcast on a plane to Arkansas and Bobby runs through his eliminator pool ahead of the season.  Download the DraftKings Sportsbook App today: https://dkng.co/bobbysports If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA). 21+ (18+ WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NJ/ NY/PA/TN/VA/WV/WY only. N/A in NH/OR/ON. New customers only. Valid 1 per new customer. Min. $5 deposit. Min $5 wager. $200 issued as eight (8) $25 free bets. Ends 9/19/22. See http://draftkings.com/sportsbook for details. Follow the Show: @25Whistles Follow the Crew: @MrBobbyBones @ProducerEddie @KickoffKevin @MikeDeestro @ReidYarberrySee omnystudio.com/listener for privacy information.

Bobby previews week 1 of the NFL and discusses which rookie QB he thinks will have the best performance. Plus, ESPN's Matt Miller has already dropped a mock draft for 2024, and tells Bobby why Caleb WIlliams is the #1 overall pick... if he comes out. The guys finish the podcast on a plane to Arkansas and Bobby runs through his eliminator pool ahead of the season.  Download the DraftKings Sportsbook App today: https://dkng.co/bobbysports If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA). 21+ (18+ WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NJ/ NY/PA/TN/VA/WV/WY only. N/A in NH/OR/ON. New customers only. Valid 1 per new customer. Min. $5 deposit. Min $5 wager. $200 issued as eight (8) $25 free bets. Ends 9/19/22. See http://draftkings.com/sportsbook for details. Follow the Show: @25Whistles Follow the Crew: @MrBobbyBones @ProducerEddie @KickoffKevin @MikeDeestro @ReidYarberrySee omnystudio.com/listener for privacy information.

A new VIDEO from Founders Baptist Church is now available on SermonAudio with the following details: Title: A Biblical Explanation of Spiritual Gifting Subtitle: 01 Straight Truth Podcast Speaker: Richard Caldwell Jr. Broadcaster: Founders Baptist Church Event: Podcast Date: 9/7/2023 Length: 10 min.

In 1 Corinthians 12-7, Paul speaks of the manifestation of the Spirit for communal benefit, a concept often misinterpreted among believers. Dr. Richard Caldwell, on the Straight Truth Podcast, clarifies that every believer has a spiritual gift received through salvation and regeneration, not chosen or sought after. While these gifts might align with one's natural inclinations, they remain distinct. New Testament scriptures denote two gift types- temporary sign gifts and permanent edifying ones. Each believer's gift, though unique like varying colors on a painter's palette, is for serving others. Identifying one's gift emerges as one matures in faith and commitment to the church. However, gifts shouldn't be misconstrued with personalities- even if they sometimes align, the primary purpose remains serving the community and aiding spiritual growth, transcending individualistic tendencies.

In this podcast episode, Chloe and Emma discuss one of Emma's specialities - coaching through the menopause. Emma shares her expertise in coaching women going through menopause and emphasises the importance of understanding menopause for coaches working with women. They discuss the three stages of menopause and the common symptoms associated with each stage. **The Menopause and its Stages (00:04:01)** Emma explains what menopause is, the different stages (perimenopause, menopause, and post-menopause), and the symptoms typically experienced in each stage. **Misconceptions and Varying Experiences (00:07:25)** Chloe and Emma discuss the misconceptions and varying experiences of menopause, emphasising that every woman's experience is different and that it's important to be aware of the symptoms and provide support accordingly. **The impact of menopause symptoms on women's lives (00:09:40)** Discussion on the various symptoms of menopause, such as mood swings, reduced sex drive, vaginal dryness, and their impact on women's lives and relationships. **Lack of awareness about menopause (00:10:45)** Highlighting the fact that 77% of women are unaware that they are going through menopause, leading to confusion and feelings of being overwhelmed. **Changes in body fat distribution during menopause (00:13:10)** Explanation of how the reduction in estrogen during menopause can lead to increased fat storage around the middle, the risks associated with this, and the possibility of spot reducing through hormone replacement therapy (HRT). **Importance of diet and exercise for menopause (00:18:36)** Discussion on the quote stating that diet and exercise is the only non-controversial treatment for menopause and its importance for everyone. **Starting small with exercise and building momentum (00:19:50)** Exploring the idea of starting with small exercise activities, such as a 10-minute walk, and how motivation follows action. **Resistance training for menopausal women (00:21:30)** The significance of resistance training for women going through menopause, including the prevention of muscle mass and bone density loss. **The placebo effect (00:27:48)** Discussion on the anecdotal evidence of CBD and other supplements helping with anxiety and sleep, despite limited scientific data. **HRT and breast cancer risk (00:30:28)** Exploration of the pros and cons of hormone replacement therapy (HRT) and its potential impact on breast cancer risk. **Supplements and dietary choices (00:34:42)** Consideration of supplements and dietary choices for women who cannot take HRT, including the potential effects of phytoestrogens and the role of placebo. **Perception of Aging and Menopause (00:37:02)** Discussion on the negative perception of aging and menopause in the media, and the impact of positive mindset on aging. **Impact of Positive Outlook on Health (00:38:43)** Exploration of the impact of positive mindset on health outcomes, including a study on perception of aging and cancer patients with a positive outlook. **Challenging the Narrative on Menopause (00:42:52)** Conversation about challenging the idea of accepting menopause as a negative outcome, and the importance of self-love and taking control of one's health during this stage of life. **The struggle of menopause (00:45:22)** Discussion about women going through menopause and feeling like there's nowhere to turn or nothing they can do. Don't forget to like, subscribe, rate and review the Bodcast. It helps others find the podcast more easily!