Podcasts about fall back

In this episode of The Max Revenue Show, we break down the exact framework Micah uses to run highly effective first meetings with insurance prospects.Whether you're a new producer trying to write your first $100k, or a seasoned vet looking to tighten up your process, this episode gives you the real-world playbook for turning curiosity into conversion.This episode is brought to you by:Insurance XdateGenerate Leads. Win New Biz:https://www.insurancexdate.com/Resources Mentioned:⁠Sign up for The Max Revenue Letter here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠:⁠⁠⁠⁠⁠⁠https://maxrevenuegroup.com/subscribe⁠⁠⁠⁠⁠Grab The Producer Playbook here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://maxrevenuegroup.kartra.com/page/playbookTimestamps:00:00 – Intro + Insurance Xdate shoutout02:12 – Why the cold call often becomes the first meeting05:47 – The perfect first meeting opening script10:30 – 3 core discovery questions to uncover hidden pain13:22 – The #1 follow-up that reveals buying intent17:15 – How to explain “The Insurance Game” to any buyer23:05 – Visual tools that help prospects get it26:49 – Due diligence pitch: what it is and how to position it31:50 – Fallback strategy: when quoting makes sense36:20 – Why being flexible 3–4X'd Micah's revenue41:03 – When a first call should be cut short44:15 – How to track meetings the right way47:40 – Wrap-up + Producer Playbook + YouTube CTAWant more?Subscribe for new episodes + tactical advice to grow your book of business from scratch.

Adam Hunter's first career on Broadway gave way to a second act in design, where he's tapping into his talent for selling a vision. With candor, he shines a bright light on the real costs of design at a certain echelon of the industry. He also explains how a shift toward cultivating deeper relationships helped him find the right size for his firm, why landing celebrity clients isn't always all it's cracked up to be, and why he's thinking bigger as he embarks on the next stage of his career.This episode was sponsored by Lutron and Serena & Lily. LINKSAdam HunterKaitlin PetersenBusiness of Home

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  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”  For advertising inquiries, visit: GetRichEducation.com/ad 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 Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  19:45   this is the real wealth network's Kathy Fettke, and you are listening to the always valuable get rich education with Keith Weinhold.    Keith Weinhold  20:00   You welcome back to get rich education. We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   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. Advice, opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

The Athletic's Sam Blum and former Sports Illustrated baseball editor Connor Grossman discuss the Angels' 8-game winning streak, followed up with losses in seven of eight games. Which team are the Angels? As they continue their slide, is there anything they can take from their stretch of victories?

Which San Francisco 49ers players are poised to bounce back in 2025? Join this channel to get access to perks and support the channel: https://www.youtube.com/channel/UCzZkcTcRj7vKSTHL9DQI4Bw/join Also hop on over to Patreon and get EXCLUSIVE 49ers Cutback content including Draft Breakdowns, ALL 22 Film Breakdowns and other shows.: https://www.patreon.com/49erscutback Find links to all our socials on our Link Tree page: https://linktr.ee/49erscutback Don't forget to check out our NEW MERCH SHOP at: https://49erscutbackshop.com

Andy, Randy, and Abe chat about scenarios in which they can't get back to bed after waking up in the middle of the night and an upcoming construction project at the Bunker household.

What do you do when your business looks like a success, but doesn't feel like one?   Katie Glickman started Bibbilyboo after struggling to find a bib that worked for her own child. What began with a sewing machine at the kitchen table grew into an award-winning business, with over 64,000 bibs sold and stockists across the UK, including the country's largest baby store.   But success doesn't always feel the way we expect it to. After years of sewing, scaling, and saying yes to every opportunity, Katie hit a point where the business felt more draining than energising. She was navigating a factory partnership, juggling cash flow, and questioning what came next.   That's when she joined Retail By Design. She shares what happens when your shop reaches a transition point—and how she reconnected with her purpose and started enjoying her business again.   [01:35] The everyday parenting struggle that sparked a business idea [07:48] The biggest pinch-me moments in business [10:43] Why joining Retail By Design felt like the right next step [14:32] What it looks like to grow and evolve in your business [17:48] How Katie stopped second-guessing her stock decisions [19:57] How she reconnected with the parts of the business that bring her joy Resources: Bibbilyboo Retail By Design 

(0:00) Jared Carrabis of Underdog Fantasy joins Mazz to discuss the latest with the Red Sox as they’ve fallen back to .500 once again. (14:33) The guys discuss the Red Sox pitching and the struggles out of the bullpen right now.

In this special episode, I revisit a timeless topic from the Membership Geeks archives to explore how you can reignite your passion for your membership. Memberships are a long-term commitment, and it's not uncommon to find yourself feeling disconnected or burnt out. I share insights and strategies on how to fall back in love with your membership by understanding the root causes of your dissatisfaction and implementing practical steps to rekindle your enthusiasm. Whether you have specific issues or a general loss of passion, this episode offers actionable advice to help you reconnect with your purpose and ensure your membership journey remains fulfilling and rewarding.In this episode:How can I identify the root cause of my declining enthusiasm for my membership?What strategies can I use to change up my routine and reengage with my membership topic?How can I reconnect with my membership community to regain my passion for being a membership owner?What are some practical ways to reaffirm my "why" and maintain long-term enthusiasm for my membership business?Thank You For ListeningWe really appreciate you choosing to listen to us and for supporting the podcast. We would be eternally grateful if you would consider taking a minute or two to leave an honest review and rating for the show. They're extremely helpful when it comes to reaching our audience and we read each and every one personally!Finally, don't forget to subscribe to the podcast to make sure that you never miss an episode.

MSNBC's Ari Melber hosts "The Beat" on Thursday, May 5, and reports on President Trump's unpredictable agenda that is upending markets, his barrage of lawsuits over frequently unlawful or unconstitutional orders and the new Pope. Plus, Al Sharpton and Al B. Sure! make a "Fallback" appearance. Aziz Huq and Catherine Rampell also join the show.

Send us a textThe Mediterranean diet is a great first step toward a healthier lifestyle, but what the heck is it? It's the ease of cooking lighter summer meals, using fresh seasonal produce, and incorporating healthy fats and lean proteins, plus so much more. We're making food an event by inviting friends and savoring meals, the benefits of including physical activity, and promoting joy in the kitchen. 00:00 Introduction and Excitement for Mediterranean Diet00:39 Seasonal Cooking and Farmer's Markets01:53 Mediterranean Diet Principles05:03 Healthy Fats and Lean Proteins07:53 Herbs, Spices, and Social Eating11:16 Exercise and Lifestyle Balance12:39 Realistic Approach to Healthy Eating13:59 Invitation to Mediterranean Magic CourseFind more information on Mediterranean Magic for Midlife, Fall Back in Love with Cooking here. Follow Christine Van Bloem on Instagram @theemptynestkitchen and on Facebook @emptynestkitchen Learn more about Menopause Meal Plans Sign up for my FREE 10 Essential Tools for the Empty Nest Kitchen

They didn’t ‘miss’ Joe Biden’s dementia, they helped cover it up. Finding useful idiots to help spread the destruction. Sean Spicer on tariffs hitting America. Trump causing companies to reinvest in America. How did the communists seduce the corporate world to push their message? The extortion of the corporate world. See omnystudio.com/listener for privacy information.

MSNBC's Ari Melber hosts "The Beat" on Friday, April 25, and reports on the economic turmoil under President Trump and his attacks on free speech. Plus, Rev. Al Sharpton and Nems join for the latest "Fallback" installment. Will Sommer and Margaret Carlson also join.

Send us a textAre you constantly giving, yet feel disconnected from yourself?Burnt out, overwhelmed, or unsure how to feel again? This episode is for you.In this powerful conversation, I'm joined by Brent Spirit, spiritual teacher, host of The Spiritual Awakening Show, and founder of KundaliniAwareness.org. Brent has been guiding people through spiritual awakenings and Kundalini Shakti journeys since 2013, and what makes his insight truly profound is his deep connection to the divine feminine, even as a masculine presence.We explore ✨ What Kundalini Shakti really is and how it awakens within the body ✨ Why so many women today feel disconnected, numb, or stuck in overthinking ✨ How trauma blocks access to our feminine life force and how we begin to reclaim it ✨ The role of spiritual awakening in healing deep emotional wounds ✨ How overgiving, burnout, and emotional suppression are signs of a wounded feminine and what to do about it ✨ Why softness, sensitivity, and crying are not weaknesses but superpowers ✨ The journey of reparenting, self-love, and honoring your emotional truthBrent's story is a rare and healing invitation to see spiritual awakening through a masculine lens that embraces vulnerability, compassion, and emotional depth. Whether you're in the middle of a dark night of the soul or just curious about reconnecting with your intuition, this episode offers deep validation and tools for coming home to yourself.Follow Brent On INSTAGRAM 

MSNBC's Ari Melber hosts "The Beat" on Wednesday, April 23 and reports on Donald Trump's volatile economy and resistance against his agenda. Plus, Molly Jong Fast and DJ Whoo Kid join for the latest "Fallback" installment. Steve Leisman also joins.

You started your business for freedom… but what happens when the thing that once lit you up starts to feel heavy?   In this week's episode, I'm joined by Lauren Golden, founder of The Free Mama Movement, for a raw and honest convo about what it really looks like to evolve as a business owner—and what to do when you've outgrown the business you once loved.   Lauren built a 7-figure business and checked all the boxes of “success.”    But deep down, she knew something wasn't right.    In this episode, she shares how she got honest with herself, made some tough calls, and fell back in love with her business again.   Whether you're feeling stuck, burnt out, or simply questioning what's next… you're going to want to hear this.   About Lauren: Lauren Golden is an award-winning entrepreneur, speaker, author, coach, and leader of the Free Mama Movement community where she inspires tens of thousands of women to take small, consistent steps toward living the life of their dreams by transforming self-doubt into self-trust through grit, courage, and unconditional love.   Want more from Lauren? Be sure to join Lauren's The Free Mama Movement Community and connect with her on Instagram, Facebook & LinkedIn.   Connect with me outside the podcast!  Continue the conversation in the Market Like a Boss Facebook group.  Give me 30 minutes and I'll show you how to add $5K–$10K/month…without adding a single hour to your schedule. Book your free Stability Audit now.   Listen + Subscribe on ITUNES or STITCHER I'd greatly appreciate a podcast rating and review so that this podcast can reach more women!  Search for the podcast in your podcast app (Market Like a Boss) Scroll down and click 5 stars Tap “Write a Review” & enter a brief review Press send  

MSNBC's Ari Melber hosts "The Beat" on Thursday, March 17, and reports on President Trump targeting Fed Chairman Jerome Powell and a major court loss for Trump and his immigration agenda. Plus, rapper Lupe Fiasco and NBC's Gadi Schwartz join for the latest "Fallback" installment. Emily Bazelon and Justin Wolfers also join.

MSNBC's Ari Melber hosts “The Beat” on Tuesday, April 15, and reports on the Trump administration's extreme efforts to circumvent the Supreme Court's order to “facilitate” Abrego Garcia's return, as well as Harvard University defying Donald Trump. Plus, Jeff Garlin and Antonio Villaraigosa join for the latest "Fallback" installment. Gov. Maura Healey and Asha Rangappa join.

What happens when your child's story looks nothing like the one you had imagined? This heartfelt encore episode features my dear friend, Michelle Barrow—a mother of four and grandmother of six—who generously shares the wisdom she's gained from raising teenagers and supporting her adult children through life's unexpected twists. This conversation is a powerful companion to last week's episode with author Jessica N. Turner on moving forward when life doesn't turn out as planned. In this episode, Michelle invites us into her journey of learning how to let go of rigid expectations, make room for her children's evolving identities, and parent from a place of trust rather than fear. In this conversation, you'll hear:

Mit etwas Verspätung zwar, aber... Dieses Spiel gegen Frankfurt war einfach eine solche Genugtuung! Das reicht schon aus, um Thomas und Jan noch einmal auf diese beeindruckende Leistung zurückblicken zu lassen. Und ein kurzer Fallback auf den Sieg in Kiel muss dann natürlich auch noch sein. Und jetzt stehen sie wieder da: Was mit dem Rest der Saison anfangen...? Darüber gilt es zu sprechen. Genauso, wie über das überraschende Baumann-Engagement in Gelsenkirchen (...), die Situation der Leihspieler, dass Tabellen-Dilemma mit Blick auf unseren nächsten Gegner Stuttgart... Es lohnt sich also! Enjoy!

Fallback narrative stories are revealed or admitted, perhaps through the “accidental” release or leak of some documents or by that ever-useful narrative tool, the "whistleblower." Two Cold War conspiracy theories have been revived through recent mass declassification: Adolf Hitler's survival after World War II while taking refuge in Argentina and a strange story about an alien attack that killed an Army Battalion in the Soviet Union. The release of these top-secret files may confirm the legitimacy of a few sensational stories we were told growing up. Tonight on Ground Zero (7-10 pm, pacific time on groundzeroplus.com), Clyde Lewis talks about REVELATION BOMB. Call in: 503-225-0860. Listen by phone: 518-906-1531. #GroundZeroPlus #ClydeLewis #Declassified #ColdWar #Hitler #Aliens #SovietUnion #Argentina #Conspiracy

Isabel Ladd's lifelong penchant for pattern and color set the stage for a maximalist approach to life and design. But after several busy years, she realized that she was falling out of love with her business—she explains how focusing on her process helped her recapture the spark.This episode was sponsored by Surya and The Shade Store.LINKSIsabel Ladd Kaitlin PetersenBusiness of Home

If you've ever found yourself afraid of shopping online or overwhelmed at the thought of what to wear, you're not alone. HER Style Collective member, Allison, felt the exact same way just a few short months ago.   In today's episode, Allison shares her story of learning how to shop with confidence, make what was already in her closet work so much better for her, and finally feel excited to get dressed and start her morning!   Not only is this exactly what we set out to accomplish together inside HER Style Collective, I'm hosting a 5-day Shop Your Closet Challenge this week to help you get started for free. If you're ready to wear what you own and style your outfits using the same expert advice I've shared with Allison, it's not too late to join us! Our first live session starts today, April 7th, 2025 at 1pm EST and there are replays available for you to watch all week long.   Press pause right now and go grab your free seat at https://herstylellc.com/challenge. I can't wait to see you there! And I really can't wait for you to hear my conversation with Allison. Listen in and imagine what a transformation like this could do for you, too. I'm ready and waiting to come alongside you, friend. Let's go…   SIGN UP FOR THE FREE SHOP YOUR CLOSET CHALLENGE: https://herstylellc.com/challenge JOIN HER STYLE COLLECTIVE WITH EXCLUSIVE SAVINGS AND BONUSES — THIS WEEK ONLY: https://herstylellc.com/challengesavings   Related Episodes: 223 – Shop Your Closet: How to Fall Back in Love with What You Already Own 158 – The Style Skills You Need to Save Time, Money, and a LOT of Frustration [Client Success Story!] 67 – How Her Shopping Experiences Went From Extremely Stressful to Clear and Empowered with Aliya Elariss

Eno and DVR discuss a mishap that landed Freddie Freeman on the IL, a closer change in Pittsburgh with the demotion of David Bednar, a few heavily added players in ottoneu ahead of the weekend with Niv Shah, and their picks for an on-air, five-round pitcher breakout draft featuring several players that may be available in shallow leagues. Please participate in our listener survey! theathletic.com/athletic/survey25 (Three lucky entries will receive £/$100 worth of Amazon vouchers!) Rundown 2:16 Freddie Freeman to the IL 5:40 David Bednar to Triple-A; Dennis Santana to Close in Pittsburgh? 9:37 Camilo Doval Still the Fallback in San Francisco 14:15 Odds & Ends: Zach Neto, Nestor Cortes Jr., Jordan Lawlar & Angel Genao 18:14 Niv Shah Joins the Show! (The Philly Dog, Ottoneu Adds & Six Picks Roster Rates) 35:39 Eno's Friday Draft: Late-Round Pitchers/Shallow League Waiver Draft 55:07 Tomoyuki Sugano: Underrated by Projections? Follow Eno on Bluesky: @enosarris.bsky.social Follow DVR on Bluesky: @dvr.bsky.social e-mail: ratesandbarrels@gmail.com Join our Discord: https://discord.gg/FyBa9f3wFe Subscribe to The Athletic: theathletic.com/ratesandbarrels Hosts: Derek VanRiper & Eno Sarris Executive Producer: Derek VanRiper Learn more about your ad choices. Visit megaphone.fm/adchoices

Eno and DVR discuss a mishap that landed Freddie Freeman on the IL, a closer change in Pittsburgh with the demotion of David Bednar, a few heavily added players in ottoneu ahead of the weekend with Niv Shah, and their picks for an on-air, five-round pitcher breakout draft featuring several players that may be available in shallow leagues. Please participate in our listener survey! theathletic.com/athletic/survey25 (Three lucky entries will receive £/$100 worth of Amazon vouchers!)Rundown2:16 Freddie Freeman to the IL5:40 David Bednar to Triple-A; Dennis Santana to Close in Pittsburgh?9:37 Camilo Doval Still the Fallback in San Francisco14:15 Odds & Ends: Zach Neto, Nestor Cortes Jr., Jordan Lawlar & Angel Genao18:14 Niv Shah Joins the Show! (The Philly Dog, Ottoneu Adds & Six Picks Roster Rates)35:39 Eno's Friday Draft: Late-Round Pitchers/Shallow League Waiver Draft55:07 Tomoyuki Sugano: Underrated by Projections?Follow Eno on Bluesky: @enosarris.bsky.socialFollow DVR on Bluesky: @dvr.bsky.sociale-mail: ratesandbarrels@gmail.comJoin our Discord: https://discord.gg/FyBa9f3wFeSubscribe to The Athletic: theathletic.com/ratesandbarrelsHosts: Derek VanRiper & Eno SarrisExecutive Producer: Derek VanRiper Hosted on Acast. See acast.com/privacy for more information.

MSNBC's Ari Melber hosts "The Beat" on Monday, March 31, and reports on stock market lows under the Trump administration, Trump's comments about the possibility of seeking a third term and the Wisconsin Supreme Court election. Plus, Lawrence Wright and Bill de Blasio join for the latest Fallback installment. Wisconsin Supreme Court candidate Susan Crawford also joins.

In the last HER Style Podcast episode, I shared a handful of revelations from my most recent closet audit. We all know the value in cleaning out the clutter and eliminating the excess. So why is it that we often avoid auditing our wardrobes altogether?   What I've seen over the years is a lot of fear around taking on this task. We decide it's overwhelming and going to take way too much time to sift through everything. We worry that even though we might feel like we have nothing to wear, giving away a lot of our clothing will leave us even more literally with nothing to wear. We face analysis paralysis and doubt our instincts about what to keep and let go of.   I totally understand why you might be putting this off. But what if I told you there was an easier way? You don't have to dedicate hours on end to this step and you need to get rid of far less than you think you do. In fact, there are 4 things I don't want you to remove from your wardrobe at all!   In today's episode, I'm going to surprise you with a short list of things you've been letting go of too soon. Let's salvage your wardrobe and save you some time, my friend! Here's how.   FREE 5-MIN PERSONAL STYLE QUIZ: https://herstylellc.com/quiz HER STYLE BLOG: https://herstylellc.com/blog HER STYLE ON INSTAGRAM: https://www.instagram.com/heatherriggsstyle/ JOIN HER STYLE COLLECTIVE: http://herstylellc.com/collective SIGN UP FOR THE FREE SHOP YOUR CLOSET CHALLENGE: https://herstylellc.com/challenge   Related Episodes: 223 – Shop Your Closet: How to Fall Back in Love with What You Already Own 126 – Don't Burn It All Down! 3 Steps to Salvage Your Wardrobe 83 – 10 Practical Ways to Build Your Wardrobe Through Weight Fluctuations

UK pay rises fall back in line with inflation Macro, Micro News for Tuesday 19th March 2025 Micro Beeks #BKS Centaur Media #CAU Nexteq #NXQ Plexus Holdings #POS Pressure Technologies #PRES 1Spatial #SPA  Trakm8 #TRAK  Ten Lifestyle #TENG  *****MY BOOK***** How to Become a MicroCap Millionaire - A 3 Step Strategy for Stock Market Success  Is now on sale here: https://www.sharepickers.com/how-to-become-a-microcap-millionaire-3-step-strategy/ !!!HOW GET 25% OFF MEMBERSHIP TO THE SHAREPICKERS INVESTMENT CLUB!!! If you buy a copy of the book, then leave a 5 star rating & write a positive review, you can get yearly membership to the SharePickers Investment Club for just £149.99!!! —---------------------------------------------------------------------- In this podcast I cover the Macro News relevant to the UK and monitor MicroCap Stocks to see if they're good enough to be added to the MicroCap League. The UK's first MicroCap League where 100's of small businesses are analysed and scored in relation to their growth, value, health, efficiency, momentum & potential. The company's that score the highest are added to the MicroCap League and possess the best risk / reward profile. —---------------------------------------------------------------------- IF YOU REGULARLY LISTEN TO THIS PODCAST AND ENJOY IT'S OUTPUT PLEASE CONSIDER GIVING IT A 5 STAR RATING AND REVIEW - THAT WAY MORE PEOPLE WILL FIND IT. THANK YOU

If you've been feeling stuck in autopilot, disconnected from your joy, and wondering where your spark has gone - this episode is your wake-up call.A few weeks ago, I had a powerful realization that completely shifted my perspective. I'll never be this age again. I'll never be in this exact moment again. And no matter what's happening in my business, my personal life, or the world…

Marketing can often feel like a chore—especially for financial professionals who already have a lot on their plate. If you've been feeling burnt out, overwhelmed, or stuck in a repetitive cycle, this episode is for you.   In this episode, I chat about: Why marketing feels redundant and how to break the cycle The surprising stats that show your audience isn't seeing everything you post Why comparison is killing your joy—and what to do instead How to simplify your strategy so you don't have to post every day Finding a content format that works for you (yes, even without video) Adding personality and storytelling to make marketing more fun Remembering your "why" to fuel your marketing efforts Reset Your Marketing: https://simplifiedmarketingservices.com/reset-your-marketing/ Book a Free Call: Simplified Marketing Services Let's Connect: Website: https://simplifiedmarketingservices.com/  LinkedIn: https://www.linkedin.com/in/biancamarissasmith/ Instagram: http://www.instagram.com/simplifiedmarketingservices

This week, Katherine's Telling Everybody Everything about Casey Anthony's Tik Tok offer of legal advice. Here's some legal advice for her: FALL BACK, OJ. Also, we take a look at so many of your letters on the subject of whether or not to prescribe the contraceptive pill to young women and what the effects of doing so might be. Plus, the Jolene of the sky has taken Dolly Parton's man RIP. And have you been watching Meghan Not-Markle's new Netflix offering? Has the streamer thrown her under the bus in this new cooking show just to get people talking online? Finally, Katherine and Bobby prepare for an amazing night out with the comedy lineup of dreams,. x Hosted on Acast. See acast.com/privacy for more information.

Do you ever feel like you have nothing to wear, even with a closet full of clothes? Believe me, I've been there, too, friend.   So in today's episode of HER Style Podcast, we're tackling how to fall back in love with what you already own and make the most of your wardrobe—no shopping required!   Plus, I'm announcing a BRAND NEW 5-day virtual event to help you refresh your style, mix and match what you own in new ways, and rediscover hidden gems in your closet. Who's up for a little wardrobe revival? Let's get started…   FREE 5-MIN PERSONAL STYLE QUIZ: https://herstylellc.com/quiz HER STYLE BLOG: https://herstylellc.com/blog HER STYLE ON INSTAGRAM: https://www.instagram.com/heatherriggsstyle/ SIGN UP FOR THE FREE SHOP YOUR CLOSET CHALLENGE: https://herstylellc.com/challenge   Related Episodes: 188 – Bored with Your Wardrobe? The #1 Way to Come Up with New Outfit Ideas 52 – 5 Styling Hacks to More Easily Mix and Match Your Wardrobe 42 – How to Maximize Your Wardrobe (+ My Honest Thoughts on the Stylebook App!) 1 – The REAL Reason You Have a Closet Full of Clothes and Nothing to Wear

In this episode, you'll learn how to shift away from macros without falling back into hold habits, why in the past a weekend away from macros may have led to 'going overboard', and how structure and support can make it SO much easier to develop the skills you need to trust yourself to eat without tracking every bite.Learn more about 1:1 coaching: ⁠⁠https://bitesize.es/coaching-2/ Schedule a free discovery call: https://l.bttr.to/glSy2

Fall back… #raymolina #theperfectmesspod #podcast #fallback

MSNBC's Ari Melber hosts "The Beat" on Thursday, February 27, and reports on Elon Musk's conflicts of interests and Trump's economy. Plus, Rich Benjamin and Melissa Murray join for the latest "Fallback" installment. Paul Krugman and Howard Dean also join.

Mike and Bulldog talk the Sabres loss to Carolina and if the good feelings around the team were misplaced

Leave a Review/Comment or Ask a Question. Scroll down past the 'Ratings and Review' section and look for the 'Write a Review' link..... if you get to the 'About' section you've gone too far. Seems to work best on a mobile device rather than a laptop. If you don't have an Apple device leave your comment or review on our Youtube page..... Thank you so much. :)Youtube Channel - You'll find all of our videos here. Leave comments, suggestions or questions in the comments section of a video. (Subscribe if you fancy it.... could be fun.)Leave A Tip - We appreciate your support.... and it means we can buy Buddy a new blanket as he tends to chew holes in them. ------------------------We get asked questions every day by our clients both in person at our clinic, and also through our online platforms. All questions tend to fall under one of the Five Main Health Pillars;NutritionSleepMindsetExercise/MovementBreath WorkWe answer these question based upon over 17 years of clinical experience, and what we learn from the vast array of collaborators we work alongside and learn from every day. We don't see people in the same field as competitors, we see them as potential collaborators. It's much more rewarding, interesting, and infinitely much more fun when you approach your life seeing the abundance of opportunities out there, rather than desperately trying to cling to your own small bit of territory and see those around you as a threat. Nobody can replicate what you do, because there is nobody else like you in the world....... and there never will be again. So, you could use an idea from somebody else, but put your own personality into it. Then it becomes your own. We love hearing from our listeners and clients to hear where they need help, and it's so interesting to hear how we have helped start the ball rolling, but they are the ones that have ultimately found the formula that works best for them...... we're there to help bounce ideas, provide experience and encourage you to experiment and enjoy the journey on the way to the goals they've set themselves. I'm rambling I know.... but that's because this isn't a pre-meditated calculated marketing script. This is me sat of my sofa with our dog Buddy (he's helping me obviously!) tapping this out on my laptop in stream of consciousness. Life is fun, people are wonderful, and we are so fortunate to be in a position to help those who choose to visit our clinic and seek our guidance through our online platforms.Useful LinksElevate Health Chiropractic and Wellbeing Website - Our clinic website. Elevate Health Online Membership Registration - If you'd like to work with us online click on this link and we'll look forward to starting the process.

MSNBC's Ari Melber hosts "The Beat" on Thursday, February 13, and reports on a wave of high-profile resignations in the Justice Department and Donald Trump's culture of corruption. Plus, June Ambrose and Rev. Al Sharpton join for the latest "Fallback" installment. David Kelley and Noah Shachtman also join.

To celebrate Valentine’s Day, I’m addressing a very common problem that I see entrepreneurs in my community experiencing: they’ve fallen out of love with their businesses. It’s a scary and unsettling place to be, but I promise you CAN find a loving groove with your business again! In today’s episode, I talk through five immediate steps to take if you’ve lost that loving feeling. These are super actionable things that you can start doing today to set yourself on course to a business you can adore again. Enjoy - and happy Valentine’s Day!See omnystudio.com/listener for privacy information.

MSNBC's Ari Melber hosts "The Beat" on Thursday, February 6, and reports on Elon Musk's takeover, Attorney General Pam Bondi's response to Trump's revenge demands, and the latest on Super Bowl 59. Plus, Melber is joined by Emily Bazelon and Grafh for a new installment of "Fallback." Jason Johnson also joins.

Mens Room Top 10

Dubs OT with John Dickinson: The Warriors fall back below .500 as they lose to Lebron and the Lakers for the second time this season.See omnystudio.com/listener for privacy information.

Steve and Jeff discussed the Saints' head coaching interview with Darren Rizzi. They questioned Rizzi's candidacy for the full-time job.

MSNBC's Ari Melber hosts "The Beat" on Friday, January 10, and reports on Donald Trump's sentencing in the New York hush money case and the California wildfires. Plus, Melber is joined by rapper Erick Sermon and MSNBC's Ayman Mohyeldin for the latest "Fallback" installment. Joyce Vance, Douglas Brinkley and Ellison Barber also join.

Eno and DVR discuss the top free-agents available this winter and attempt to predict where that group will land when the dust settles in the weeks ahead. Is Juan Soto staying in New York? Will Corbin Burnes re-up with the Orioles? Can the Padres keep their core intact and continue as perennial threats by adding Roki Sasaki? They consider fits and the potential contingency plans for teams trying to shop at the top of this year's class. Related Reading ($) '2024-25 MLB Top 40 Free Agent Big Board: Welcome to the Juan Soto sweepstakes' -- https://www.nytimes.com/athletic/5891633 Rundown 3:58 Juan Soto Staying in New York -- Yankees or Mets? 9:45 Corbin Burnes: Long-Term Ace w/Durability Around Slowly Declining K% 17:15 Roki Sasaki: Maybe It Won't be the Dodgers?! 22:13 Max Fried: Moving on From Atlanta? 26:40 Blake Snell: Another Turn on the Free Agent Market 30:03 Willy Adames: Most Likely Destination? 35:22 Alex Bregman: Is He Really Done in Houston? 40:42 Pete Alonso: Part of the Mets' "A" Plan, or a Fallback to Return? 44:43 Anthony Santander v. Teoscar Hernández: A FA Would You Rather 54:15 Jack Flaherty: The Start of Tier 2 SPs? 1:01:21 Sean Manaea: Best of Tier 2 Options? 1:08:21 Yusei Kikuchi: Signs with Angels; We Would Have Got That Wrong! 1:09:59 Christian Walker: Underrated Power Bat on the Market? 1:12:53 Ha-seong Kim: Many Suitors with Injury Discount? 1:15:24 Reds-Royals Trade Follow Eno on Bluesky: @enosarris.bsky.social Follow DVR on Bluesky: @dvr.bsky.social e-mail: ratesandbarrels@gmail.com Join our Discord: https://discord.gg/FyBa9f3wFe Subscribe to The Athletic: theathletic.com/ratesandbarrels Hosts: Derek VanRiper & Eno Sarris Executive Producer: Derek VanRiper Learn more about your ad choices. Visit megaphone.fm/adchoices

Eno and DVR discuss the top free-agents available this winter and attempt to predict where that group will land when the dust settles in the weeks ahead. Is Juan Soto staying in New York? Will Corbin Burnes re-up with the Orioles? Can the Padres keep their core intact and continue as perennial threats by adding Roki Sasaki? They consider fits and the potential contingency plans for teams trying to shop at the top of this year's class.Related Reading ($) '2024-25 MLB Top 40 Free Agent Big Board: Welcome to the Juan Soto sweepstakes' -- https://www.nytimes.com/athletic/5891633Rundown3:58 Juan Soto Staying in New York -- Yankees or Mets?9:45 Corbin Burnes: Long-Term Ace w/Durability Around Slowly Declining K%17:15 Roki Sasaki: Maybe It Won't be the Dodgers?!22:13 Max Fried: Moving on From Atlanta?26:40 Blake Snell: Another Turn on the Free Agent Market30:03 Willy Adames: Most Likely Destination?35:22 Alex Bregman: Is He Really Done in Houston?40:42 Pete Alonso: Part of the Mets' "A" Plan, or a Fallback to Return?44:43 Anthony Santander v. Teoscar Hernández: A FA Would You Rather54:15 Jack Flaherty: The Start of Tier 2 SPs?1:01:21 Sean Manaea: Best of Tier 2 Options?1:08:21 Yusei Kikuchi: Signs with Angels; We Would Have Got That Wrong!1:09:59 Christian Walker: Underrated Power Bat on the Market?1:12:53 Ha-seong Kim: Many Suitors with Injury Discount?1:15:24 Reds-Royals TradeFollow Eno on Bluesky: @enosarris.bsky.socialFollow DVR on Bluesky: @dvr.bsky.sociale-mail: ratesandbarrels@gmail.comJoin our Discord: https://discord.gg/FyBa9f3wFeSubscribe to The Athletic: theathletic.com/ratesandbarrelsHosts: Derek VanRiper & Eno SarrisExecutive Producer: Derek VanRiper Hosted on Acast. See acast.com/privacy for more information.

The TSS Gang is here to look at another action-packed weekend of soccer, in which Chelsea held Man Utd, Liverpool maintained their Premier League lead after defeats for Man City and Arsenal, and much more! JOIN THE TSS+ PATREON!Check out our Patreon, which houses bonus podcasts, access to our exclusive Discord, blog posts, videos, and much more.Become a member today at patreon.com/totalsoccershow! Hosted on Acast. See acast.com/privacy for more information.

The TSS Gang is here to look at another action-packed weekend of soccer, in which Chelsea held Man Utd, Liverpool maintained their Premier League lead after defeats for Man City and Arsenal, and much more!  JOIN THE TSS+ PATREON! Check out our Patreon, which houses bonus podcasts, access to our exclusive Discord, blog posts, videos, and much more. Become a member today at patreon.com/totalsoccershow! Learn more about your ad choices. Visit megaphone.fm/adchoices