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Many leaders see stress as an enemy—something to manage, minimize, or escape. But the truth is some stress is necessary for growth and can even improve your health. In this episode, Andy sits down with Dr. Sharon Bergquist—physician, researcher, and author of The Stress Paradox—to explore how strategic, short bursts of stress can build resilience and improve performance. Download the application guide: https://bit.ly/4l1Q7OU Here's what we cover in this episode: The difference between bad stress and good stress (4:43) The science behind good stress (6:49) How to manufacture healthy stress in your daily life (13:20) What leaders can do to model and multiply a healthy relationship with stress for their organizations (32:12) Special thanks to our sponsor BELAY for offering a free download of their ebook, Delegate to Elevate. Belay is an organization that will help you free up your time and allow you to focus on the things that allow you to be most successful. And this resource will empower you to focus on your strengths and delegate your weaknesses. Just text the word ANDY to 55123 to claim your free ebook now. Recognized as one of Forbes' 6 Leadership Podcasts To Listen To In 2024 and one of the Best Leadership Podcasts To Stay in the Know for CEOs, according to Industry Leader Magazine. ____________ Where to find Andy: Instagram: @andy_stanley Facebook: Andy Stanley Official X: @andystanley YouTube: @AndyStanleyOfficial See omnystudio.com/listener for privacy information.

Keith discusses strategies to avoid capital gains tax on primary residences, highlighting the potential impact of the "No Tax on Home Sales Act" proposed by Representative Marjorie Taylor Greene.  He explains the current tax exemption thresholds of $250,000 for singles and $500,000 for married couples, noting that 34% of homeowners could exceed the single filer threshold.  Keith also explores the rise of small investors in the housing market, representing 30% of purchases, and the potential of peer-to-peer storage and parking platforms to generate income from underutilized property.  And concludes with a critique of government dependency through Section 8 housing. Resources: You can see the video footage of that section 8 clip here. Show Notes: GetRichEducation.com/565 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, when you sell your primary residence, you need to pay capital gains tax. Learn how to avoid it, then how to increase your rental income with new peer to peer platforms. And finally, a perspective on capitalism and collectivism, with Section Eight housing today on get rich education.    Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from st, Joseph, Missouri to st, Albans, Queens in New York City and across 188 nations worldwide. I'm Keith weinholden. You and I are back together here for another wealth building week. This is get rich education, the Treasury and the Fed keep conspiring to print dollars like crazy, create currency, debasing every single dollar that you're currently holding onto. They are stealing your purchasing power, stealing the value of your work and your grit. It makes dollars pretty fake, since they can just be conjured out of thin air, therefore your job is to convert fake dollars into real assets. That's what you need to do, and this is a strategy that dominates. Like Sydney Sweeney, they print more money, causing inflation, so you have to invest in assets, but then they put a capital gains tax on those assets so that most people never escape inflation. But of course, as real estate investors, we have a strategy to avoid capital gains taxes. Well, I'll talk about that more later.   Keith Weinhold  2:46   I mentioned to you on an earlier episode that I recently attended my high school class reunion in Pennsylvania. It was just a few weeks ago, out in a rural area with a lodge and trees and grass and inflation came up in a conversation between me and a few classmates that was some time before we played cornhole in badminton. I talked about how I sort of enjoy spending money. One classmate replied that he is cheap. I don't really directly respond to something like that, but my preeminent thought when someone says that they're cheap is that life is too short to be cheap. There is a way to guarantee an improvement to your quality of life and your standard of living, and that is spending it can do exactly that invest Well, first, that's an antecedent, and then you can spend now, in the short run, when you're young, living below your means that can make some sense, until you've accumulated some Capital, sure, but when you're age 30 to 35 plus, like my classmates and I are Sheesh, you've got to have yourself figured out better by then than to still be cheap make your quality of life exceed your cost of living, because at least here on Earth, this is your last life ever the risk of too much delayed gratification is denied gratification. So be more frugal with your time than your money. And a lot of people point to external circumstances for their circumstances. Most people wait for the economy to change, not realizing that your mindset is the economy that you live in with each property that you own, you just created another small economy that you are in control of. You are at the top of it. Yeah, you created. Another small economy, the actors in it are you, your tenant, your lender, your property manager, your contractors, your utility companies and more, and you control it all. Most people think wealth is created from high salaries, and they go their entire life, therefore chasing the wrong thing, thinking that wealth is created by high salaries all along it squarely is not you get wealthy by owning things, and you certainly won't get wealthy by being cheap. Now, when it comes to owning things, the government taxes you when you profit on those things during your ownership period of them at sale time through the capital gains tax. And of course, we've talked about the specifics in how real estate investors can completely duck out of that with the 1031 tax deferred exchange. But what about homeowners, primary residence owners, they often have to pay it well. President Trump and Representative Marjorie Taylor Greene recently suggested either removing this tax or reforming it. Now this would require congressional approval, but most members of Congress own their home, so they could very well be in favor of it. And green introduced what is simply called the no tax on home sales act.    Keith Weinhold  6:29   Let's discuss how this can affect you, especially if you're a homeowner, or even if you don't own a home under the current law, which has been in place since 1997 on a primary residence, your first 250k of profit is sheltered from tax if you're single, the first 500k is sheltered if you're married. This is called the primary residence capital gains tax exemption or exclusion. Let's use an example. Say you bought a home years ago for 500k you're married and you sell the home for $1.3 million that's an 800k gain, alright? Since the first 500k is sheltered from capital gains tax, you would therefore have to pay the tax on just 300k on all but the lowest earners, your capital gains tax is 15 to 20% so this means if you sell this home on that 300k of profit, you'd have to pay a tax bill of between $45k and $60k and you might not be done there. You could also be subject to a net investment income tax of 3.8% on top of that, you cannot duck out of this because the 1031 exchange that's only for investment property, not primary residences, like we're talking about today, with home prices on the rise so much over the last five years, how many people exactly could be subject to this tax? 34% of homeowners could exceed the single filer threshold, and 10% could exceed the married filer threshold. Another way to say this is that only about 10% of US homes have more than 500k of equity in them, and it's the homeowners in high cost states that are most likely to be impacted here, New York, New Jersey, Massachusetts, California and Hawaii, states like that. So therefore this tax it acts as a deterrent to people selling their homes. Now, what about, say, an elderly person with a really modest income that bought a home in Los Angeles for $30,000 back in 1970 and now it's worth $15 million well, they actually would not get caught in this net, because, like I said, for those with lower incomes, and it's below about 47k for single or 94k married, the capital gains tax rate is zero. For most of you listening again, it's going to be 15 to 20% one reason for the President and others wanting to cancel the capital gains tax on primary residences like this is to get the housing market moving again and get more homes available for sale on the market. Now these 250k and 500k thresholds, they have not moved since 1997 almost 30 years here, they haven't been adjusted for inflation and the median home sales price, it's jumped about 190% in that time it was 145k back in 1997 it's 435k today. So is. Home prices appreciate, more and more people will get caught up in paying the capital gains tax if your home value goes up by 10k That's another 10k that's subject to this 15 to 20% Capital Gains Tax, with that erstwhile possible net investment income tax on top of that. Well, what can you do about this growing capital gains tax obligation that you'll have that a lot of homeowners aren't even aware of? Well, even fewer realize that it is possible to reduce your home sales profit by adding capital improvements. That means making home renovations to the original purchase price. So therefore that home kitchen renovation that you were thinking about doing, well that might not be as costly as you think, if it reduces your capital gains tax at sale time to reset what we're talking about here, it's been proposed that the capital gains tax be removed when you sell your primary residence. Usually, we discuss tax on investment properties here, but this is a significant proposal, and whether it happens or not, it helps you understand the housing market and how to limit your personal tax hit now see if the tax were removed, it could be costly, because it would decrease the government's tax revenue, of course. So in my opinion, what I think is really going to happen here, a more likely course of action would be that instead of eliminating this tax they would just move up the threshold, say, from 250 and 500k up to 500k and $1 million another angle to keep in mind is that relaxing the tax that helps out wealthy people more than it helps the poor. Now, house flippers want to pay particular attention to what happens here, for instance, simply eliminating capital gains tax on house sales that could benefit those who buy and flip homes for profit. If policymakers want to benefit only homeowners, then they need to parse that out. Otherwise, this would be a huge boon to eliminating the capital gains tax on House flippers an absolute godsend, a windfall. In any case, relaxing the tax would mean that homeowners who move they would therefore retain more capital to reinvest in their next property, which you could use to outbid others. What does that do that would drive up home prices even more. I mean talking about the capital gains tax on primary residences, its proposal to be removed and what this would do to the housing market.    Keith Weinhold  12:50   Before I tell you about an interesting real estate investing niche and trend, let's pull back and look at the national housing market. The NAR recently let us know that national home prices hit yet another all time high. The median existing home price reached a record high of $435,300 and that is a 2% increase compared to last year. At this time, it's also the 24th consecutive month of year over year price increases. And you know, it's funny, I recently talked to an investor based in Phoenix that also does a little investing in Las Vegas. She thought that national home prices were falling because she sees a little price flattening in her home area, which is a little overbuilt. Well, prices are up as much as 10% in some areas of the Northeast and Midwest, because those areas are substantially underbuilt. I mean, for some perspective here just one metro area, New York City, one city with its population of over 20 million people, has twice as many people as both Arizona at 7 million and Nevada at just 3 million combined. One city twice as much as two entire states combined with all their cities. So it's remarkable how little perspective some people have see my geography degree holder perspective strikes once more again, national existing home prices are up 2% year over year, nominally, pretty modest growth, not that exciting. And who is doing the buying of these homes supporting and driving up prices. Well fewer and through of them are first time home buyers due to the well documented affordability strain. More and more of them are investors. Just last week, the Wall Street Journal reported that investors are responsible for fully 30% of the purchases of. Of both existing homes and new construction homes this year, and this is the highest share since property analytics firm kotality started tracking it 14 years ago. Investors are really buying today, and what kind of investors? Interestingly, it is people just like you. The Wall Street Journal went on to report that smaller investors who own fewer than 100 homes are doing most of the buying. That's a big change from when massive private equity firms like Blackstone and Starwood Capital Group dominated the market. So this 30% of single family home purchases being made by investors today. Smaller investors are 25% and larger ones only accounted for 5% so yeah, the little guys, people like you, they can take bigger risks because they don't have boards and shareholders to answer to, and plus builders with too much inventory are offering them discounts that were once reserved only for the bigger fish. They're being passed on now to smaller investors like you. That's exactly what the journal went on to say, much like we discussed on the show here last week, where builders are giving massive discounts.    Keith Weinhold  16:22   Well, you probably heard it said that Airbnb doesn't own any real estate. Uber doesn't own any cars. Facebook doesn't own any content, and Tiktok has no original videos. Yet, they all dominate their industries. Well, when you own the real estate, you can make the rules and leverage some of these connector platforms to help you rent out space that you own and increase your income. Do you own any property that's sitting vacant with nothing going on on the lot, perhaps even overgrown with weeds and shrubs. You can use an app like neighbor that helps you rent them out as parking spaces. Neighbor.com customers request your space, and you can approve it. They can park their cars on your space or RVs, boats, boats, trailers. This can be especially lucrative if you're a few miles from an airport, and then there are platforms that let you leverage them, sort of like the Airbnb of storage. Roughly one out of every nine Americans is renting a self storage unit, and that's not even counting all the people searching for a spot to park an extra car, boat or RV. At the same time, there are millions of garages, basements, attics, driveways and backyards sitting underutilized across the country now, platforms like store at my house, Pure Storage and park for share, that one is spelled Park, the number four and share, they're all stepping up to connect people who have extra space with the people that need it. And the result is that renters can typically save 50% or more compared to them using traditional storage companies they can rent from you, and it's often more convenient for renters, since the space they're renting that might be just around the corner instead of across town. Neighbor.com is one of the biggest players in this space, though, its founder, his name's Joseph Woodbury. He says you'd be amazed at what people will pay to store something if the location is good and the price is right, they have had a tiny three foot by five foot closet in Manhattan that rented out in a snap, almost instantly in Woodbury. He even uses the platform himself, leasing part of his own driveway to someone with a camper. Now, you probably want to check with your HOA before you do something like that. But like Airbnb neighbor, they earn money by taking a cut of the host's revenue. But unlike Airbnb neighbor, hosts average just 16 minutes per month managing their listings now Woodbury, the neighbor.com owner, he calls it the most efficient, least time intensive form of passive income in America. And the peer to peer storage trend, that's become a great entry point for new investors, especially those that aren't ready to buy a full property. But it's also catching the eye of experience real estate investors who want to squeeze more cash flow out of the land that you already own. Some are turning unused sheds into rentable storage units. Others are converting open acreage into long term parking. I know someone that's hosting campers and. RVs on his 10 acres in Florida, and he expects to earn about $100,000 this year alone from that land. And they say it's mostly hands off. And now, whenever he buys he looks for acreage plus a home so that he can generate multiple income streams from one property. Well, can this peer storage and parking shake up the $500 billion self storage and parking industry the same way that Airbnb rattled the hotel world? Some think the potential is huge, with national occupancy rates for storage centers hovering around 93% there really is not any sign that the market is oversupplied. In fact, even public storage, that's the company name, public storage, they are the country's largest self storage space operator, even they use neighbor to help lease out their leftover inventory, and so do some REITs that have extra space at their office, retail or apartment properties. And as far as the types of listings, people are getting creative on these platforms. They're monetizing everything from empty barns to church parking lots. Think about how much of the week church parking lots sit vacant to vacant strip mall storefronts, and they're using that as parking so more and more people are realizing that there's hidden value in the real estate that they already own, and you can too. If you own the real estate, you make the rules. So check out those four platforms that I mentioned, if you think it can benefit you to increase the income at your properties in this growing peer to peer storage and parking industry. It was around 2010 when Airbnb really started to take off and really take market share away from hotels, and today, these platforms like neighbor store at my house, peer storage and park for share, are taking market share away from traditional, centralized self storage spaces to review what you've learned so far today, if you're going to Live life full time, you can't be perpetually cheap. Be aware of the primary residence capital gains tax and its elimination proposal. Small investor interest is growing now, making up fully 30% of today's home purchases, and grow your income with Pure Storage and parking platforms coming up next, a viral audio clip that borders on the unbelievable and gives you a new perspective on capitalism, collectivism and Section Eight housing, you'll be flabbergasted. I'm Keith Weinhold. You're listening to Episode 565, of get rich education.   Keith Weinhold  23:00   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.    Keith Weinhold  23:32   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 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  24:42   you this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  25:00   Keith, you are back inside one of America's longest running and most listened to real estate investing shows. I'm your host, Keith Weinhold, and this is get rich education, the voice of real estate investing. Since 2014 wealthy people's money either starts out or ends up in real estate, we tell you why and show you how. I've got a clip to share with you that gets a little wild. We usually share what I suppose is more cerebral content here, but some real perspective can be gleaned from listening to this. This kid wants to work his mom says, No, you can't, because she'd lose her section eight housing benefit. And apparently, free housing is more valuable than his future. This is about one minute in length,   Unknown Speaker  25:52   not getting no job. If you go get a job, they're going to take my section eight, then you won't be able to get no section eight. You're not going to get no job. They're gonna count your income against my section eight and my link card. You're not working, no. So I don't care what you gotta say. I don't care how you feel. You're not working, you're not going to get a job, you you're not going to school, you're not doing none of that like Ma. I'm saying how I'm supposed to be successful in life, huh? So you basically telling me I gotta I gotta be broke to be successful. I got to be broke so I can get section eight. Government can help you. So the government can help me. So you telling me I can't work, no job, bro. Like, that's like, all my friends got jobs and live and nice houses. So you telling me I got the I got to go through the same thing you went through if you have a house, any of that, they're going to take my section eight. How? What they be like,no, they will look at that and be like, he's doing something. And give me a bigger house. Ma, that's what you told me. I can get off your section eight and apply for my own section eight. Okay, but if you do that, you're gonna have to go the hard way. It's gonna take a long so what? That's what I'm saying. Get on Section Eight. Find you a nice apartment, go get you a link card. You will be fine. You don't have to sit up and work. You don't have to work, no job, if the government is here to help us.   Keith Weinhold  27:11   Gosh, this mom won't let her son work, or else she'll lose their government section eight housing benefit, where taxpayers pay for most of their housing. And by the way, is this real? Is this a rage bait skit? I can't quite tell, but it surfaces some interesting questions. For sure, it is true that section eight housing voucher recipients like her can lose their benefits if the household earns more and exceeds a certain threshold. Gosh, here's the youth that wants to do something and maybe be better and have more than his parents. You should want what's best for your child? Some parents have to beg their children to get a job. This kid is willing to go out and see what he's capable of doing. This eaglet is looking to leave the nest, and you're clipping his wings, and yes, you the listener, are the one paying for their housing. There's no such thing as a free government program, because taxpayers like you and I fund the government section eight housing is therefore tax payer funded at one point. The mom says the government is here to help us. Yeah, this woman is making you poorer. This is where the taxes that get knocked out of your paycheck are going. You're working at a job, spending less time with the people you love, and maybe doing fewer of the activities you love so that she can perpetuate a culture of laziness and government dependency. Another successful entrepreneur or employee is not making you poorer, this woman is making you poorer. Thomas Sowell said it best. He is an author and a senior fellow at the Hoover Institution. He's got a lot of brilliant thoughts. Soul famously said, I have never understood why it is greed to want to keep the money you have earned, but not greed to want to take somebody else's money. That's Thomas Sowell. Now it's possible that this woman couldn't get a job that would pay so much more than the section eight income ceiling that it would be worth her getting one. She said there that she doesn't have a job at all. Maybe she has a disability, but there's a video of this. You can see the video. She doesn't appear to be disabled, but the appalling part is that she's discouraging her son from working now. Understand some section eight tenants do work full time jobs, but they're almost certainly going to be really low paying like, say, washing dishes for a restaurant. Section Eight is supposed to be a temporary program. It's supposed to be helpful, not a hindrance. It is a federal program. It's administered by HUD, and it pays the rent money for low income people, allowing them to rent housing out in the private open market. The program has high demand and some long, long waiting lists. They can be years long, even a decade long, waiting list for Section Eight housing some housing authorities even close their wait lists entirely due to the length the overwhelming demand and understand as well, veterans and the elderly are probably on a wait list, waiting for substantially younger people like her to get off the program to qualify for Section Eight, most families need an income below 50% of the area's median income, and your criminal background check has got to be clear, so you don't need to pass some high bar to get into the program. Now, in reality, a large share of the benefit recipients have an income that's under 30% of an area's median and how much of your rent does section eight pay? Participants typically pay a portion of their monthly income toward rent, usually around 30% they pay around 30% where section eight pays 70% I once run into a section eight tenant, and the tenant paid closer to 20% while the program paid 80% for you. And by the way, landlords don't have to accept section eight tenants. It is voluntary, and it pays landlords about the market rate in hot housing markets with fast rising rents. Well, you probably don't want to accept section eight because a regular, unsubsidized tenant is often going to pay you more in a slow rental market, Section Eight is better for landlords. Now, some landlords like section eight because it is guaranteed rent income, but some don't like it because they say they get low quality tenants. Well, foreign landlord can rent to a section eight tenant, a person called a case manager inspects the unit, and I think I shared with you before that, the first one that inspected mine, they wrote me up because they said that one of my Windows didn't open all the way. I fixed it, and the tenant stayed two years before they moved. But the average duration of time that a tenant spends in the program is six to nine years. It is supposed to be a short term bridge, but often becomes a long term subsidy people get dependent on the handout. HUD tells us that only one in seven families leave the program due to increased income, and there is a strong stigma around section eight housing, for sure. Who knows? To shake the stigma, maybe they will just change the name of the program. That happens sometimes, sort of like how they changed the name of the food stamps program to snap. And by the way, the link card that she mentioned in the video that is for food assistance. That's actually the name of the snap card in the state of Illinois. Oh, dear God bless America, training her kids to live off the government. I almost feel trashy after thinking about this. I'm probably going to go shower next now. Should the minimum wage be high enough that everyone can afford at least a one bedroom apartment, and therefore people wouldn't need section eight? Well, the federal minimum wage is $7.25 it's been stuck there since 2009 the economic commentator Peter Schiff, who I had lunch with a couple times last month, he and his wife Peter, makes the case that there should be no minimum wage at all. That is government intervention in the free market. If you make the minimum wage too high, people get laid off and people get replaced by robots. That's just what's really happened in practice, if a person can only make the minimum wage, they need to get better, and they need to skill up, is what Peter contends. Now, when I graduated college, I would have thought that premise sounded ridiculous. No minimum wage. But the more I think about it and the more I experience life, it does begin to make more sense. The fresh post collegiate me would have said that, ah, a working human being, they deserve the dignity of a minimum wage. That's livable, but some time and perspective has me saying that you are the one that brings dignity to your work, your earning potential and your life. It's not up to someone else to provide you with dignity. You don't lean on the government for your dignity. Learn more, be better, skill up. You'll be dignified, and you're going to earn multiples more than minimum wage. When it comes to the section eight, mom, everyone would like to live at the expense of the state, but few realize that the state lives at the expense of everyone else. If you'd like to see the video footage of that section eight clip that I played and more of my commentary on it. It's pretty interesting that should be available on our YouTube channel now. The channel name is get rich education. What else would it be for the production team here at GRE? That's our sound engineer, Vedran Dzampo , who has edited every single GRE episode since 2014,  QC and show notes. Brenda Almendadadas, video lead, Binaya Gyawali video strategy lead, Talha Mughal, video editor, Sorosa KC and producer me, we'll run it back next week for you. If you'd like the show, please tell a friend about it. I'd really appreciate you sharing it until then, I'm your host. Keith Weinhold, don't quit your Daydream.    36:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice if the means 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  36:53   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 paywalls 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 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 266, 866. While it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  38:08   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

In this powerful episode of The Brave Table, I sit down with the incredible Sheen Gurrib—an Oxford and Cambridge graduate, creator of the viral “Dream, Girl” podcast, co-founder of the Professionelle Network, and entrepreneur using storytelling to shift narratives for women everywhere. From tracing her roots from Mauritius to going viral with her Michelle Obama clip to building a professional empire in Dubai, Sheen shares her journey of reinvention, community-building, and breaking down barriers.We explore what it means to show up authentically as a woman leader, the tension between heart and strategy, and how content creation is evolving in the age of AI. You'll walk away with deep reflections and practical wisdom to build your personal brand, create impact, and stop letting fear hold you back.What you'll get out of this episode… How to stop doubting your vision and start building what mattersA refreshing look at being single in your 30s, 40s, or 50sBehind the scenes of how Sheen's content went viral and why it workedLessons from building a 20,000+ strong women's network in DubaiTips for creators: monetizing content and staying consistent across platformsHow to lead with empathy without sacrificing standards or clarityA new lens on feminine leadership and what it takes to thrive in a male-dominated worldThis Episode is Powered by Health NagMeet your new daily glow-up: Health Nag's Bioactive Collagen Jelly—the world's first collagen with Types I, II, III & IV for full-body support (skin, gut, joints & more).Tastes amazing. Absorbs fast. One spoon a day = science-backed resilience from the inside out.

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The salient point of our discussion is the transformative power of embracing one's worth and the healing potential inherent in grief. We engage with Victoria Rader, a globally recognized speaker and founder of Yu2Shine, who illuminates the path toward personal fulfillment and prosperity through innovative tools and quantum personal development. Victoria shares profound insights drawn from her experiences of loss, illustrating how grief can carve space for joy if one allows it to coexist. Our conversation delves into the importance of recognizing divine grace in our lives, emphasizing that we are worthy of infinite love regardless of our circumstances. Through her work and teachings, Victoria aims to inspire others to shine their unique light unapologetically, fostering a community of individuals ready to embrace their inherent value.The discussion with Victoria Rader delves into the profound lessons gleaned from life's adversities, particularly through the lens of grief and the importance of community. Rader recounts a pivotal year in her life marked by the loss of eleven loved ones, which catalyzed her understanding of the interconnection between grief and joy. She articulates a powerful notion: that grief carves out space for joy to flourish, asserting that one must embrace the full spectrum of human emotion to truly experience life. This perspective is not merely theoretical, as she shares practical tools developed through her organization, Yu2Shine, which aims to help individuals process their emotions and restore their sense of self-worth. Rader's insights are complemented by her experiences with mentors, including her parents, who exemplified integrity and resilience in the face of societal challenges. The conversation highlights the duality of taking and receiving in our interactions, urging listeners to cultivate a mindset of abundance rather than scarcity. Rader's narrative is woven with the threads of divine grace and the belief that our experiences are part of a larger cosmic tapestry designed to enhance our growth and understanding of love, connection, and purpose.Takeaways: Victoria Rader is a globally recognized transformational speaker, featured in prominent media outlets like Forbes and CNN. She emphasizes the importance of valuing life experiences over material possessions, as taught by her grandmother. Victoria believes that grief and joy coexist, where the depth of grief correlates with the capacity for joy. Her newest app, Empower Me, will include a laughter feature to facilitate healing through joy. Through her journey, she aims to empower individuals to recognize their inherent worth in God's love. Victoria's mission is to inspire others to shine their unique light unapologetically in a world filled with distractions. Links referenced in this episode:empowerme.lovewww.yu2shine.com

Re-Release: In this Live Greatly 2 minutes of motivation podcast episode Kristel Bauer shares a technique to boost empowerment and to support overcoming limiting beliefs.  Tune in now!  Key Takeaways From This Episode: Technique to help you feel more empowered Explore Having Kristel Bauer speak at your next event or team meeting. https://www.livegreatly.co/contact  Pre-Order Kristel's Book Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to “Live Greatly” while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Buy Kristel Bauer's book, Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

In this special summer edition of the Remarkable Retail podcast, hosts Michael LeBlanc and Steve Dennis return to the mic for a jam-packed Month-in-Review episode. With interviews from the CommerceNext Growth Show rolling out all summer long, the duo takes a break from the regular cadence to reflect on the key developments dominating retail headlines.Kicking things off, Michael and Steve catch up on their summer travels, from retail safaris to personal DIY projects, before diving into on-the-ground observations from recent store visits. They note intensified promotional activity, flagging department store performance, and struggling retailers like Kohl's—whose housekeeping and inventory issues speak volumes about the deeper structural challenges facing legacy banners.A major theme is the ripple effect of evolving tariff policies. Steve breaks down the shifting landscape of trade "deals"—or lack thereof—impacting everything from apparel to automobiles, including the end of the de minimis clause that could reshape the business model of players like Shein and Temu. While retailers have largely absorbed tariff costs for now, Q4 pricing and profitability are big question marks, particularly for cash-strapped players.The conversation turns to macroeconomic conditions and a surprisingly resilient U.S. consumer. However, Steve warns against viewing “the consumer” as a monolith, emphasizing growing bifurcation between income brackets. The luxury market underscores this divide—Hermès continues to thrive, while Gucci and more aspirational brands struggle, and Saks Global faces mounting losses and vendor tensions.The episode also unpacks Amazon's latest earnings, with standout 23% growth in ad sales, despite investor jitters around AWS and an uncertain outlook.Other hot takes include AI's expanding role in customer interaction, the controversy around American Eagle's “gene/jeans” ad featuring Sydney Sweeney, and the headline-grabbing soap opera surrounding Hudson's Bay's failed resurrection attempt in Canada.Looking ahead, Michael and Steve preview August retail earnings, the fall retail conference season, and the ongoing evolution of AI-enabled search.  About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

Today's guest, Tiffany Blassingame, is reimagining Christian education. As the founder and lead teacher at The Ferguson School—a progressive, faith-based K-5 microschool in Decatur, Georgia—she blends over 20 years of experience in public and private education with a heart for helping students thrive. A fourth-generation educator, Tiffany primarily serves Black and brown gifted and neurodiverse learners. Her passion for nurturing both students and teachers sparked the creation of the Microschool Teacher Academy, where she mentors microschool educators with real-world tools and insights. Read more about Tiffany in Kerry's recent Forbes.com article. ***   Sign up for Kerry's free, weekly email newsletter on education trends at edentrepreneur.org.

Baiju Bhatt, born in Poquoson, Virginia, is the Founder and CEO of Aetherflux, a space-based solar energy startup launched in 2024 that aims to beam power from orbit to Earth using infrared lasers. A first-generation American of Gujarati descent, Bhatt co-founded Robinhood in 2013 with Vlad Tenev, serving as co-CEO until 2020 and Chief Creative Officer until March 2024, helping to revolutionize commission-free trading.  He holds a BS in Physics and an MS in Mathematics from Stanford and previously started two finance companies in New York before launching Robinhood. Inspired by his father's career at NASA, Bhatt founded Aetherflux, which has raised $60 million in funding with plans for a 2026 satellite demonstration to deliver clean energy to remote regions. He is a Forbes-listed billionaire with a net worth of $2.5 billion and an advocate for commercial space innovation. Shawn Ryan Show Sponsors: ⁠https://betterhelp.com/srs⁠ This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. ⁠https://bunkr.life – USE CODE SRS⁠ Go to https://bunkr.life/SRS and use code “SRS” to get your 25% off your family plan ⁠https://shawnlikesgold.com⁠ ⁠https://helixsleep.com/srs⁠ ⁠https://rocketmoney.com/srs⁠ ⁠https://ROKA.com – USE CODE SRS⁠ ⁠https://ziprecruiter.com/srs⁠ Baiju Bhatt Links: Aetherflux - https://www.aetherflux.com IG - https://www.instagram.com/realbaijubhatt Robinhood - https://robinhood.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Robert Gould. Youngest developer in the U.S. to lead a $300 million community development project in partnership with the City of Savannah.

Headlines:  – Welcome to Mo News (02:00) – Fed Keeps Interest Rates Unchanged Despite Internal Divisions and Political Pressure (07:10) – Trump Envoy Witkoff Heads To Israel To Discuss Gaza Crisis (13:30) – For The First Time, Entire Arab League Condemns Oct. 7, Urges Hamas To Disarm (17:20) – Kamala Harris Says She Is Not Running For California Governor (22:30) – Stock Trading Ban Bill Sparks Drama With White House (25:15) – Amazon Paying New York Times at Least $20 Million a Year in AI Deal (28:40) – Starbucks Tests Coconut Drinks, Agave Syrup in Healthier Menu for RFK Jr. Era (32:10) – Forbes 2025 50 Over 50: Meet The Women Who Define Innovation, Drive And Hope (33:45) – On This Day In History (36:40) Thanks To Our Sponsors:  – ⁠LMNT⁠ - Free Sample Pack with any LMNT drink mix purchase –⁠ Industrious⁠ - Coworking office. 30% off day pass –⁠ Athletic Greens⁠ – AG1 Powder + 1 year of free Vitamin D & 5 free travel packs – Surfshark - 4 additional months of Surfshark VPN | Code: MONEWS – BetterHelp – 10% off your first month

Robert Gould. Youngest developer in the U.S. to lead a $300 million community development project in partnership with the City of Savannah.

It's frustrating when you put your trust—and a chunk of your budget—into a landscaper, only to end up with something that looks nothing like what was promised. You imagine a peaceful, beautiful space to relax in, but instead you're left chasing updates, fixing mistakes, and staring at half-finished work. There's a big difference between a yard and a space that actually feels like yours. And when that vision falls flat, it's hard not to feel like you settled for less. https://www.youtube.com/watch?v=rVy7F6WXooo Steve Griggs is a veteran landscape designer known for crafting luxury outdoor spaces for high-profile clients. From humble beginnings with a wheelbarrow, he built Steve Griggs Design into a brand featured in Forbes and on Bravo. He's also the author of Straight Dirt, where he shares real-world industry lessons. Today, he talks about the power of client relationships, stressing reliability and clear communication. His design process centers on truly listening and turning client visions into elegant, functional spaces. Stay tuned! Resources: Thoughtful & Exciting Landscapes Since 1985 | Steve Griggs Design Follow Steve Griggs on Instagram Follow Steve Griggs on Facebook Connect with Steve Griggs on LinkedIn

Robert Gould. Youngest developer in the U.S. to lead a $300 million community development project in partnership with the City of Savannah.

Molly Fletcher, former top sports agent, inspiring keynote and TEDx speaker, #1 USA Today bestselling author, and host of a top-rated podcast, joins me on this episode. Molly made a name for herself as one of the first female sports agents and was hailed as the “female Jerry Maguire” by CNN. She has been featured in notable media outlets, including ESPN, CNN, Forbes, Fast Company, and Sports Illustrated.

Heidi DeCoux is someone I've gotten to know pretty well while she's been growing her AI-powered tech company, Cashflowy. We want to improve our business processes so that we can provide more quality and value to our clients in the most efficient manner, and AI tools like Cashflowy can be a huge step toward making that happen.Heidi DeCoux is a serial entrepreneur who's built four businesses with 50%+ profit margins and sold three of them, one of which was a 7-figure exit.Her latest adventure is launching the tech startup, Cashflowy.ai, an elegant AI bookkeeping, client invoicing, and cash-flow management software for small businesses that eliminates the need for a bookkeeper.She's appeared in Forbes and other publications and has become known as “The Optimizer” because she's passionate about helping entrepreneurs optimize their businesses and lives.Tune into this episode to hear:Why most bookkeeping is only 70% accurate — and how AI is doing it betterHow Cashflowy was designed and trained specifically for solopreneursHow Cashflowy helps you make smarter decisions for your business right nowCashflowy features that reduces mistakes and allows for more efficient financial reportingWhy the future belongs to billion-dollar, one-person businessesLearn more about Heidi DeCoux:CashflowyInstagram: @heididecoux, @cashflowy.aiConnect with Cashflowy on LinkedIn Connect with Heidi on LinkedInFREE Guides and Templates from CashflowyResources:No BS Agencies MasteryThe Price to Freedom Calculator™No BS LaunchpadNo BS Agency Owners Free Facebook GroupStart reading the first chapter of my bookPiasilva.com

In this episode of Money Tales, our guest is Nancy Davis. At age 8, Nancy watched her mother make what she instinctively knew was a terrible financial decision—buying an excessive number of Persian carpets from a traveling merchant parked in a semi-truck on the side of the road. While most kids would have stayed quiet, Nancy spoke up. She not only convinced her mother that the purchase was reckless, but she also successfully negotiated a return of the carpets her family couldn't afford and didn't have room for. That early lesson in financial prudence shaped much of what followed, from Nancy's decade at Goldman Sachs to founding her own investment firm, Quadratic Capital, in 2013. Nancy Davis founded Quadratic Capital in 2013. Nancy is the portfolio manager for The Quadratic Interest Rate Volatility and Inflation Hedge ETF (NYSE Ticker: IVOL) and The Quadratic Deflation ETF (NYSE Ticker: BNDD). Prior to founding Quadratic, Nancy spent nearly a decade at Goldman Sachs primarily with the proprietary trading group (Goldman Sachs Principal Strategies) where she rose to become the Head of Credit, Derivatives and OTC Trading and headed the team for about 5 years for the prop desk. She also served as a portfolio manager at JP Morgan's hedge fund and in a senior executive role at AllianceBernstein. Nancy has been the recipient of numerous industry recognitions. Barron's named her to their inaugural list of the "100 Most Influential Women in U.S. Finance." Institutional Investor called her a "Rising Star of Hedge Funds." The Hedge Fund Journal tapped her as one of "Tomorrow's Titans." Nancy has been profiled by Forbes, and interviewed by The Economist, The Wall Street Journal, and The Financial Times. Nancy is a frequent guest on financial television including CNBC, Bloomberg, and Fox Business. She is a sought-after speaker for industry events.

Feeling burnt out? You're not the only investor hitting that wall. Long hours, back-to-back deals, tenants, contractors, financing, and the never-ending pressure to grow. You got into real estate for time freedom and financial independence, but somewhere along the way, it started to feel like just another grind. Here's the truth most investors won't say out loud: Burnout isn't a rite of passage, it's a red flag. And ignoring it can cost you more than just momentum; it can eat away at your health, relationships, and your reason for investing in the first place. But what if there's another way to build wealth? A shift from burnout to balance. It's not about more doors, bigger portfolios, or chasing status. It's about designing a real estate business that gives you the life you actually want. In this episode, I'm joined by Ashley Kehr, a rental property investor and co-host of the BiggerPockets Real Estate Rookie Podcast. She shares her journey of stepping off the hamster wheel and into a simpler, more powerful version of success. One built around freedom, clarity, and sustainability. Things You'll Learn In This Episode  -Opportunities in real estate investing Real estate investing can offer more than financial security; it can create freedom, flexibility, and a lifestyle on your terms. What other opportunities can real estate investing open up? -Shiny object syndrome New entrepreneurs and investors often fall into the trap of chasing trendy opportunities instead of staying focused on proven strategies. How do we focus on moving the needle instead of the next big thing? -Build a firm foundation Start by leveraging your strengths and skills, then pursue your passions once you've established a solid foundation. How can focusing on current strengths pave the way for achieving long-term goals? Guest Bio Ashley Kehr is the co-host of the Real Estate Rookie Podcast. Just a few years removed from being a beginner herself, Ashley is now helping newbies figure out actionable steps to get their first deal. She has a dual degree in finance and public accounting and recently became a licensed insurance agent. Ashley purchased her first rental property in 2014 and, since then, has grown her buy-and-hold portfolio to over 30 units. She has experience in residential and commercial properties. She attributes much of her success to the use of partners on several real estate deals and creative financing. Ashley developed a passion for real estate after quitting her staff accountant job to work as a property manager. Within several years, she had created two property management companies, which she ran for over five years. Her specialty was creating systems to work efficiently and remotely within companies. Currently, Ashley outsources property management and spends her time educating new investors and finding deals to BRRRR. Visit https://www.biggerpockets.com/  Be a guest on the BiggerPockets Real Estate Rookie Podcast https://airtable.com/appnZ2AGUknfciOzu/pagvbFaEPNprDBVKi/form  Listen to the BiggerPockets Real Estate Rookie Podcast here https://www.biggerpockets.com/podcasts/real-estate-rookie  Follow Ashley on Instagram @wealthfromrentals  Visit https://www.ashleykehr.com/    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

What if the secret to success isn't doing more, but focusing on less? In this episode of The Greatness Machine, Darius sits down with legendary investor and entrepreneur Mohnish Pabrai to talk about building businesses, spotting hidden opportunities, and why focus is the ultimate superpower. From failed startups to scaling a $20M company, Mohnish shares how he discovered his edge, not by doing it all, but by doing what he does best. He unpacks the concept of “offering gaps,” the value of deep listening, and how modeling Warren Buffett's early partnership strategy led him to launch Pabrai Investment Funds and never look back. In this episode, Darius and Mohnish will discuss: How to spot and capitalize on "offering gaps" in the market Why your first (or second) idea may not work—and why that's okay The importance of focus and why you can't optimize for two variables What it really means to build something that fits your strengths and interests Why Mohnish left a thriving company to pursue value investing full-time How he turned $1M into $13M in five years—by doing what he loves Mohnish Pabrai is the Managing Partner of Pabrai Investment Funds, modeled after the original Buffett Partnerships. Since its inception in 1999, the fund has delivered a 13.5% annualized return—significantly outperforming the S&P 500. Before launching the fund, Pabrai founded and grew TransTech, Inc. into a $20 million IT firm before selling it in 2000. He is the author of two popular books on value investing—The Dhandho Investor and Mosaic—and has been featured in Forbes, Barron's, and The Wall Street Journal. Pabrai is also the founder of The Dakshana Foundation, a nonprofit focused on poverty alleviation through education in India. Sponsored by: Constant Contact: Try Constant Contact free for 30 days at constantcontact.com. IDEO U: Enroll today and get 15% off sitewide at ideou.com/greatness.  Indeed: Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/darius. Shopify: Sign up for a $1/month trial period at shopify.com/darius.  Connect with Mohnish: Website: http://www.chaiwithpabrai.com/ LinkedIn: https://www.linkedin.com/in/mohnish-pabrai  Twitter: https://x.com/mohnishpabrai/ Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Cassie Petrey is the woman behind some of the most iconic artists' social media marketing including Backstreet Boys, Camila Cabello and Britney Spears. She is the co-founder of Crowd Surf, a leading marketing and music management firm. She's a fan girl whose admiration for the Backstreet Boys led her at age 12 to create a newsletter that reached fans worldwide — then years later she helped seal the band's decades-long superstardom by re-introducing them to next-generation fans. Cassie is a social media and artist management Hollywood powerhouse. She and her co-founder of Crowd Surf, Jade Driver, have been named to power lists in Variety, Billboard, and Forbes' annual “30 Under 30” feature. In 2022, the company launched its non-profit Career Development Program — a first-of-its-kind, no-cost educational series for people aspiring to work in the music business. “I worked fulltime the whole time I was at Middle Tennessee State University studying Music Business. I had been fortunate enough to get a job as a college rep at Warner Music Group my freshman year. I was doing that when, a couple months into college, I discovered a website called MySpace. I went to my boss and said, ‘Hey, why don't big bands use MySpace? You only see small, local and college bands using it. I think major label artists should use it, too.' And she said, ‘I don't really know what that means, but pick an artist. I'll connect you with their manager, and we'll figure out how you can manage their MySpace page.' “I was scared to ask her if I could do that or not, but I'm really glad I did because if I didn't, I wouldn't have been one of the first to market in this lane that has become so huge. I thought social media was going to be big, but I didn't think it was going to get to where it is now! “Looking back on it, it didn't seem such a big deal to me at the time, but a record label vice president, letting an 18-year-old come in and do all this work for their clients on MySpace and more? That's taking a certain level of risk, and I appreciate her taking that risk on me.”      

Are you prepared to protect your wealth from unexpected lawsuits?   In this episode of Sharkpreneur, Seth Greene speaks with Blake Harris, Founding Principal at Blake Harris Law and an expert in offshore asset protection. He shares essential insights into protecting your wealth through strategic planning. With ten years of experience and a proven track record of establishing thousands of offshore trusts, Blake offers practical advice to business owners, entrepreneurs, and high-net-worth individuals seeking to safeguard their assets. He explains why an offshore asset protection trust isn't just for the super-rich and how even those with $1 million in assets can benefit from this approach.   Key Takeaways: → The importance of setting up an offshore asset protection plan. → Clarifying the misconception that asset protection is only for the ultra-wealthy. → Why taxes remain unaffected by offshore trusts, and how to stay compliant with the IRS. → How to create the proper legal foundation for a successful offshore trust. → The future of asset protection in a changing legal and financial landscape.   Blake Harris is the founding principal at Blake Harris Law, specializing in offshore asset protection for clients worldwide. With a global network cultivated through travel to over 40 countries, Blake collaborates with trust companies, protectors, and bankers to provide tailored solutions for safeguarding wealth. An accomplished author and international speaker, he regularly educates professionals through legal education lectures on asset protection and offshore planning. Blake has appeared in major national publications, including Forbes, ABC, NBC, CBS, Fox News, and MarketWatch. He has built a significant social media following, with hundreds of thousands of followers. Before founding his law firm, Blake worked with one of America's top wealth management firms, advising high-net-worth clients on asset protection strategies. Recognized as a “Rising Star” by Super Lawyers Magazine for five straight years, Blake is an AV®️ Preeminent™️ Attorney and actively participates in the American Bar Association and the Bars of Florida and Colorado. He lives in Miami Beach. Connect With Blake: Website X Facebook LinkedIn   Learn more about your ad choices. Visit megaphone.fm/adchoices

What if one warm, spiced cup in the morning could calm your mind, energize your body, and ground your spirit—before the chaos of the day begins? In this cozy, soul-nourishing solocast, I'm taking you inside my sacred chai-making ritual. It's not just about the tea—it's about how one simple, daily ceremony can shift your entire nervous system and infuse your life with more calm, focus, and flow.From honoring my Indian roots to finding stillness in motherhood, this is the ritual that's kept me grounded through burnout, business, and babies. I'll walk you step-by-step through how I prepare my Ayurvedic chai from scratch—sharing the ancient wisdom of the ingredients, common mistakes to avoid, and how this morning pause can become your daily nervous system reset.What you'll get out of this episode… The exact step-by-step chai-making ritual I use every morningHow to use Ayurvedic spices to support your hormones, mood, and digestionWhy “ritual over routine” is the secret to nervous system healingThe real reason your chai might be throwing off your blood sugarSimple ways to turn your morning into a sacred pause—even if you're busy or burned outA peek behind the scenes of my new chai brand, Chai TonicsThis Episode is Powered by Health NagMeet your new daily glow-up: Health Nag's Bioactive Collagen Jelly—the world's first collagen with Types I, II, III & IV for full-body support (skin, gut, joints & more).Tastes amazing. Absorbs fast. One spoon a day = science-backed resilience from the inside out.

We plug into the real world Matrix – the digital Wild West of surveillance capitalism that dominates this Age of Information. Behind it is the unholy alliance between Big Tech and Big Brother. Privacy is the first casualty and democracy dies with it. Our guide is Cindy Cohn, director of Electronic Frontier Foundation, with her decades of experience challenging digital authoritarianism. Featuring Cindy Cohn, the Executive Director of the Electronic Frontier Foundation since 2015, served as EFF's Legal Director as well as its General Counsel from 2000 to 2015. Among other honors, Ms. Cohn was named to The Non-Profit Times 2020 Power & Influence TOP 50 list, and in 2018, Forbes included Ms. Cohn as one of America's Top 50 Women in Tech. Resources ⁠Cindy Cohn – The Climate Fight is Digital⁠ | Bioneers 2024 Keynote ⁠Tools from Electronic Frontier Foundation⁠ Credits Executive Producer: Kenny Ausubel Written by: Kenny Ausubel Additional production and writing: Leo Hornak Senior Producer and Station Relations: Stephanie Welch Program Engineer and Music Supervisor: Emily Harris Producer: Teo Grossman Host and Consulting Producer: Neil Harvey This is an episode of the Bioneers: Revolution from the Heart of Nature series. Visit the ⁠radio and podcast homepage⁠ to learn more.

What if the future of work isn't just about where we work, but how we think about work itself? In this episode, Kevin is joined by Steve Cadigan to explore the shifts reshaping our workplaces, what Steve calls a “work quake.” Steve shares insights on how leaders and employees can adapt to a rapidly changing world of work. They discuss why lifelong learning and "learning agility" are no longer optional, and how our ability to learn quickly is becoming more valuable than what we already know. Steve also challenges leaders to rethink traditional talent strategies, including embracing higher turnover, building organizational capacity more rapidly, and treating employees as part of a lifelong talent ecosystem. Listen For 00:00 Introduction to the episode topic – “Work Quake” 00:30 Importance of preparing for the future of work 01:00 How to join live and engage with future podcast episodes 01:36 Kevin's book mention – "The Long-Distance Leader" 02:00 Introduction of guest Steve Cadigan 02:23 Steve's background and experience 03:16 Steve joins the conversation 03:36 Steve's unconventional career journey 04:57 Discovering a passion for recruiting 05:45 Learning through working in small and large organizations 06:49 Why Steve wrote "Workquake" 08:11 Adjusting the book for the impact of COVID 09:06 Kevin on how the book stayed relevant since 2022 09:30 Employee vs. employer vs. leader mindsets 09:57 The importance of learning agility 10:47 AI as an opportunity for human differentiation 11:53 Defining learning agility 13:16 The organizational challenge of fostering agility 14:17 Spotify's experiment with internal mobility 14:49 Delegation and building organizational capacity 15:06 How the world of work radically changed in 2020 16:08 What employers must consider now 16:43 The remote vs. in-person debate 17:16 “Yes, and…” hybrid work models 18:16 Pilot vs. policy mindset 19:45 Aligning work strategy with actual results 20:04 Rethinking AI's role and use 21:17 The limits of AI for customer experience 22:01 The power of asking better questions 23:06 Rethinking talent strategy: 7 models 23:27 Steve's ecosystem approach to talent 24:04 Designing for shorter tenures 25:03 Speeding up onboarding and retention through new models 26:15 The “illegal after 3 years” strategy exercise 26:58 What Steve would add to the book today 27:29 The rise of hybrid experimentation 28:08 The benefits of remote/hybrid work 29:04 Zoom meetings and inclusive communication 29:24 Final reflections on hybrid as an opportunity 29:45 Any final takeaways from Steve? 30:25 Organizations must become business schools 31:03 Training and internal learning over hiring externally 31:22 Kevin's rapid fire closing questions 31:44 Steve's personal interests – tennis, coaching, bird watching 32:26 Books and content Steve is consuming 33:04 Being a student of AI – trusted sources 34:39 Where to find Steve online 35:18 Kevin's closing thought: Take action now 36:26 Outro and invitation to return next week Steve's Story: Steve Cadigan is the author of Workquake: Embracing the Aftershocks of COVID-19 to Create a Better Model of Working. He is a top talent strategist and leadership expert with 30+ years of experience. He famously led LinkedIn's early hyper-growth phase as its first CHRO, building its world-class company culture from scratch and scaling the organization from 400 to 4,000 employees in 3.5 years. As one of the most provocative global thought leaders on the future of work, Steve is hired not only by F500 companies but by entire countries to help them navigate the talent landscape. His clientele spans from Google, X, Slack, BBC, and Inel, to the City of Lisbon, which hired him to develop the startup incubator Unicorn Factory. He has also written for Forbes and Inc., will soon be writing for Business Insider, and frequently appears on Bloomberg and CNBC to talk about the evolving nature of work, talent management, the Big Resignation, and successful leadership. This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.  Book Recommendations Workquake: Embracing the Aftershocks of COVID-19 to Create a Better Model of Working by Steve Cadigan The God of the Woods: A Novel by Liz Moore Like this? How to Navigate the Future with Margaret Heffernan How the Future Works with Brian Elliott The Forces Reshaping the Workplace with Phil Simon Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes    Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group  

Kansas City Chiefs Hall of Famer Tim Grunhard joins former Chiefs offensive lineman Joe Valerio and Forbes.com writer Jeff Fedotin to analyze how the current offensive line looks and swap training camp stories from the Marty Schottenheimer days. Agree or disagree with our thoughts? Let us know on X: @joevalerio73 and @JFedotin.

"Immigrant entrepreneurs are powerful at reframing. Reframing rejection. Reframing failure. Reframing their past." - Dr. Neri Karra SillamanWhat if the hardest chapter of your life - the one where you lost everything - turned out to be the thing that shaped you into the leader you were always meant to be? In this episode, I talk with Dr. Neri Karra Sillaman, whose journey from child refugee to Oxford professor and global entrepreneur is nothing short of incredible. Her work has appeared in BBC, Forbes, Financial Times, Harvard Business Review, CNBC and others. She's also the author of Pioneers: Eight Principles of Business Longevity from Immigrant Entrepreneurs, a book that captures both her lived experience and her research into what really helps immigrant-led businesses thrive - not just survive.You'll hear us talk about:What it was like being forced to flee Bulgaria as a child, and how that shaped her identity and worldviewHow growing up under a regime that tried to erase her culture made her fiercely committed to authenticity and purposeWhy immigrant entrepreneurs often build stronger, longer-lasting businesses - and why that's not a coincidenceWhat “frying in your own oil” means, and why it's such a powerful mindset for building something from scratchHow reframing rejection and failure is a common thread in the stories of successful immigrant foundersThe huge role community, trust, and relationships play in business longevity - and why these things are often overlookedWhy chasing profit isn't the priority for many immigrant entrepreneurs - and what they focus on insteadThe kind of leadership that puts people, not ego, at the center - and why that matters now more than everResourcesNeri Karra Sillaman on Website | LinkedIn | Neri's book: Pioneers: 8 Principles of Business Longevity from Immigrant EntrepreneursWinnie da Silva on LinkedIn | On the Web | Substack | Email - winnie@winnifred.org

Happiness Solved with Sandee Sgarlata. In this episode, Sandee interviews Erica Carrico. In this conversation, Erica Carrico shares her transformative journey from a corporate career to becoming a life coach. She discusses her awakening during a health crisis, the importance of surrendering to change, and how to overcome limiting beliefs. Erica emphasizes the significance of finding one's purpose and the evolution of personal growth, encouraging listeners to embrace their spiritual journey and take actionable steps towards their dreams.Guest Bio:Erica Carrico is an Award-Winning Soul Business Success Coach for women who are ready to transform their lives by discovering their life purpose, and creating 6 & 7 Figure Soul-Aligned Businesses, while lucratively expressing their own soul purpose. Through coaching services and speaking, Erica helps soulful entrepreneurs build & scale their businesses to global empires, quit their 9-5's, and make fabulous money on their spiritual path so they can finally earn a living doing what they absolutely love... what they were put on earth to do.   Erica has a BS in Psychology, a Masters in Business Management, and 12+ years in international business leadership experience. She built a Multi-Million Dollar Coaching Business (with two kids in tow!) in just over 4 years and is obsessed with helping her clients all around the world transform their lives by creating soulful, global businesses, while lucratively expressing their own soul purpose. Her work has been featured in Forbes, New York Times, Inspired Coach Magazine, and many more.Takeaways:Erica always knew she wanted a different life.She experienced a significant awakening after years in corporate recruitment.A health crisis led her to a spiritual awakening.Surrendering to change is crucial for personal growth.Finding purpose is about aligning with one's true self.Limiting beliefs often stem from childhood experiences.Creating a new reality requires different actions and mindset shifts.Erica's journey emphasizes the importance of service and impact.Personal growth is an evolving process that requires self-discovery.Money is a necessary tool for living a prosperous life.Connect with Erica:Website: https://ericacarrico.com/Instagram: https://www.instagram.com/ericalynncarrico/Facebook: https://www.facebook.com/ericalcarricoYouTube: https://www.youtube.com/@EricaCarricoLinkedIn: https://www.linkedin.com/in/ericacarrico/Amazon Book: https://a.co/d/9yIwnziConnect with Sandee: Website: www.sandeesgarlata.comPodcast: www.happinesssolved.comFacebook: www.facebook.com/coachsandeesgarlataTwitter: www.twitter.com/sandeesgarlataInstagram: www.instagram.com/coachsandeesgarlata

This week on Women and Wealth, host Regina Hess returns to a vital topic: Social Security. But this time, she's breaking it down into 10 essential facts everyone should know before claiming benefits. Whether you're approaching retirement or helping a loved one navigate the system, this episode will help you better understand how to make the most of what you've earned. It's no secret that it can be complex from the outside looking in – with so many considerations surrounding the benefits themselves, from when you take them and how you execute that, to understanding what you may be entitled to as you approach retirement. This episode is designed to empower you with clarity and confidence as you plan your financial future so you can navigate this system with ease. Episode Highlights:   0:00 - Introduction 0:31 - Episode beginning 1:05 - Things to keep in mind before claiming SS 1:38 - Changes to your status can have an impact on your benefit amount 2:02 - The year of your birth and.. 3:35 - Taking SS while working 6:15 - Benefits paid to you as a spouse 7:09 - Zooming in on your spousal benefit 8:58 - If something happens to you.. 9:51 - Your benefits may be taxable 11:57 - Be aware of certain types of income 13:22 - Your SS statement is an estimate 15:16 - Action item 16:30 - Episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.  

Re-Release:  On this Live Greatly podcast episode, Kristel Bauer sits down with Anne Marie Anderson, ESPN  broadcaster and author of Cultivating Audacity - Dismantle Doubt and Let Yourself Win. Kristel and Anne Marie discuss how to recalibrate your relationship with rejection and fear to move in the direction of your personal and professional goals.  Tune in now! Key Takeaways From This Episode: How to build audacity Why success is in the process not the outcome How to build your front row A look into Anne Marie's book, Cultivating Audacity - Dismantle Doubt and Let Yourself Win Why you should pack your parachute About Anne Marie Anderson: Anne Marie Anderson is a three-time Emmy Award-winning broadcaster for ESPN, keynote speaker and author. Anne Marie Anderson's book, Cultivating Audacity - Dismantle Doubt and Let Yourself Win, releases in January 2025. She is also a mother of three, and enjoys playing beach volleyball, golf, hiking, swimming… and any game where you keep score! Connect with Anne Marie Buy Anne Marie's book, Cultivating Audacity - Dismantle Doubt and Let Yourself Win LinkedIn:  https://www.linkedin.com/in/anne-marie-anderson-3557ab39/  Instagram: https://www.instagram.com/annemarieandersontv/?hl=en  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to “Live Greatly” while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

In this insightful summer bonus episode of the Remarkable Retail podcast, we welcome Stuart Hogue, Lands' End, Senior Vice President, US Consumer, for a fast-paced conversation recorded live at the CommerceNext Growth Show in New York City. Stuart brings a wealth of brand experience—spanning time at Nike and a passion for brand strategy shaped by none other than fellow podcast guest Scott Galloway—and shares how Lands; End is evolving while staying grounded in its heritage.Founded in 1963 as a sailing outfitter, Lands' End has evolved over the decades from a catalogue stalwart to a digitally savvy harmonized retailer. Stuart walks us through how the company continues to build on its legacy of quality, durability, and classic American style, while embracing modern retail strategies—from digital marketplaces and fashion drops to AI-driven customer discovery.Stuart details Land's Ends; successful expansion into platforms like Nordstrom.com and Amazon, where clever use of data helped make their Bedford quarter-zip sweater a top seller. He emphasizes the importance of aligning product selection with platform-specific customer mindsets, demonstrating a sharp and disciplined approach to marketplace strategy.We also delve into how Lands' End achieved surprising viral success through personalized tote bag pop-ups in Soho, which not only drove younger customer engagement but also created powerful emotional brand moments that were amplified organically through TikTok. The brand's strategic move toward monthly product drops has helped introduce newness while preserving customer loyalty around legacy franchises, such as Tugless swimsuits, no-iron chinos, and its legendary Squall jackets.Stuart shares thoughtful insight into omnichannel retail, calling it less about technology and more about being present at key customer moments across touchpoints. He highlights the growing influence of AI agents. He emphasizes the need for brands to prepare for a new era of product discovery, where brand authority and relevance across marketplaces become increasingly crucial for staying top of mind. About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

These days, it's harder than ever for marginalized buyers to break into the market. Prices are high, lending rules are tighter, and misinformation is everywhere. The path to homeownership can feel impossible. Agents aren't off the hook either. With all the changes to buyer representation and compensation, agents are being asked to prove their value in every single deal, while trying to serve clients who need more help than ever. That's where Midwest Home M@tch comes in. We built an AI-powered referral network that connects agents with pre-approved, ready-to-go buyers. Especially those who qualify for down payment assistance, employer housing support, parishioner programs, and more.  These aren't just leads,  they're matches. And the system is built to help agents close deals that would otherwise fall through the cracks. What are some of the things you'll get with Midwest Home M@tch? How is this referral network different?  In this episode, I'm joined by creative design, brand development expert, and my partner in Midwest Home M@tch, Anita Clinton.  We get into how this all works, how agents can plug in, and why the future of real estate might just be about matching people to money, not just homes.   If real estate agents implemented down payment assistance, 30% of deals that are canceled would be salvageable. -Marki Lemons Ryhal   Things You'll Learn In This Episode  The real estate anointing advantage How can you tell if a property has access to $25K in down payment assistance? How can you use that to market the home and keep your seller's concessions at zero? Reverse prospecting with precision What if you could clone a listing, test buyer demand across multiple price points, and already know what buyers are searching for before you even list? AI automation that actually closes deals How is Midwest Home M@tch using AI automation to pre-qualify buyers, trigger CRM workflows, and deliver leads with signed buyer agreements, all before they reach you? From overlooked to oversubscribed How can we stack grants, gift funds, and employer housing programs to revive up to 30% of canceled deals?   Guest Bio With almost two decades of creative design, brand development, marketing, editorial, and business development experience, Anita “AC” Clinton is the go-to person for all aspects of purpose. She is passionate about helping individuals use their talent(s) and experience to unlock their true calling, know where they fit in the world, and be who they are meant to be. Despite setbacks, roadblocks, and wrong turns along the way, she is living proof that anything can be accomplished with tenacity, determination, and perseverance. She is the Founder and President of Anita Clinton Enterprises, LLC, and Be Great Global, where she creates the Be Great Global Podcast, books, and training programs to help intrapreneurs and entrepreneurs find happiness, fulfillment, and money doing work they actually love. In addition, she is the author of “Destiny Starter: How to Discover What You Are Called to Do and Do It!” Anita has been featured on CBS, NBC, Fox, and TEDx to name a few. Visit https://midwesthomematch.com/ to learn more.    About Your Host Marki Lemons Ryhal is a ​​Licensed Managing Broker, REALTOR® and avid volunteer.  She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, the Washington Post, http://Homes.com, and REALTOR® Magazine.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

“There are those individual actions that we can take. But if I can work with my community or work inside of my company, or if I can work inside of my house of worship and we can build some community and some action that way, it will have a much bigger impact than anything that I can do as an individual… The communities that they're already a part of, whether they're residential, like in their neighborhoods, or it's the nonprofits that they're a part of, or the places where they have other kinds of communities like religious communities, and start conversations there. What could we do as a community? What could we do as an organization?” Laur Hesse Fisher on Electric Ladies Podcast It's easy to feel powerless as political forces try to dismantle sustainability-climate-clean energy initiatives, levers and economics, BUT we can make a difference anyway. And it matters. Small steps add up. Impact matters. There are steps each of us can take individually to help avert climate change. How? Listen to Laur Hesse Fisher of MIT's Environmental Solutions Initiative and TIL Climate podcast, in this discussion with Electric Ladies host Joan Michelson that aired last year and is more relevant than ever. Laur explains how we can leverage the things we do now, the places we already go, and people we currently talk to and make a difference that way.  You'll hear about: Why reaching people outside the climate-tuned bubble is critical. How we can leverage the relationships we already have, the local media, and local events to make a bigger difference than we can make on our own. Why voting is so crucial this year – and not for the reasons you might have heard Plus, insightful career advice, such as… “My advice would be, as you're thinking about where you want to go, talk to people about that. So you might not know where you want to go, in which case I recommend informational interviews. Those are great for learning about other people's career paths, what it took for them to get there, what did they learn along the way? I mean, people are really open to having a half an hour conversation.” Laur Hesse Fisher on Electric Ladies Podcast Read Joan's Forbes articles here too. You'll also like: ·      Most Americans Want Climate Action, Study Says. How To Bridge The Political Divide, ELP Host Joan Michelson's article that includes Congresswoman Houlahan. ·     Women Rewriting The Climate Conversation, a panel from The Earth Day Women's Summit moderated by Joan Michelson ·     UN Climate Week discussion on how some creative women are making sustainable fashion a reality, moderated by Joan Michelson. ·     Kerry Bannigan, Managing Director of PVBLIC Foundation, on sustainability and social responsibility on the runway. ·     Zainab Salbi, cofounder of Daughters For Earth, on the pivotal role of women climate entrepreneurs. ·     Jill Tidman, Executive Director of The Redford Center, environmental storytelling through media, film, series and documentaries. Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers.. Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Follow us on Twitter @joanmichelson

Want to get your business featured in the media—but don't have the budget for a publicist?This video breaks down exactly how to do your own PR and get your brand seen across local, print, and digital outlets.Whether you're a product-based business, a personal brand, or a small service provider—this episode will walk you through how to get started with visibility the smart, strategic way.

What do you get when you combine $5B+ in deals, a Columbia classroom, and 20 years under CRE legend Bob Knakal?You get James Nelson.In this episode, Bo and Timmy sit down with the host of The Insider's Edge to talk:

Steve is a top talent strategist and leadership expert with 30+ years of experience. He famously led LinkedIn's early hyper-growth phase as its first CHRO, building its world-class company culture from scratch, and scaling the organization from 400 to 4,000 employees in 3.5 years. In your book Workquake, you talk about how the world of work is rapidly changing. What are some of the biggest shifts you're seeing now that executives need to pay attention to? What do you see as the most common mistakes leaders make when trying to adapt their talent strategies for the future? How do talent challenges differ across these sectors, and what lessons can leaders learn from each other? What role does company culture play in navigating an unpredictable world of work, and how can leaders build resilient cultures that thrive during times of change? What separates good leaders from truly exceptional ones in this rapidly evolving work landscape? How should executives rethink their approach to hiring and developing talent to ensure they remain competitive in the years ahead? Steve Cadigan Steve is a top talent strategist and leadership expert with 30+ years of experience. He famously led LinkedIn's early hyper-growth phase as its first CHRO, building its world-class company culture from scratch, and scaling the organization from 400 to 4,000 employees in 3.5 years. As one of the most provocative global thought leaders on the future of work, Steve is hired not only by F500 companies but by entire countries to help them navigate the talent landscape. His clientele spans all the way from Google, X, Slack, BBC, and Intel, to the City of Lisbon, which hired him to develop the startup incubator Unicorn Factory. His award-winning book Workquake is considered a game changer for leaders and organizations on the future of work in a post-COVID world. He has also written for Forbes and Inc., will soon be writing for Business Insider, and frequently appears on Bloomberg and CNBC to talk about the evolving nature of work, talent management, the Big Resignation, and successful leadership. Excellent Executive Coaching Podcast If you have enjoyed this episode, subscribe to our podcast on iTunes. We would love for you to leave a review. The EEC podcasts are sponsored by MKB Excellent Executive Coaching that helps you get from where you are to where you want to be with customized leadership and coaching development programs. MKB Excellent Executive Coaching offers leadership development programs to generate action, learning, and change that is aligned with your authentic self and values. Transform your dreams into reality and invest in yourself by scheduling a discovery session with Dr. Katrina Burrus, MCC to reach your goals. Your host is Dr. Katrina Burrus, MCC, founder and general manager of Excellent Executive Coaching a company that specializes in leadership development.

Ready to recruit? Don't miss our episode with tips on where to find applicants, training resources, and more!   Read the text version   Resources: Before You Recruit: Setting Up Your Agency for Success Developing an Agency - Your Guide to Getting Started FMO vs. IMO vs. NMO vs. MGA vs. GA: What's the Difference? Learn More About PlanEnroll Find Your Agency Specialist Tech Takeaways for Forward-Thinking Insurance Agents PlanEnroll Official Site Register with Ritter Insurance Marketing   References: Falk, Stefan. “8 Signs You're an Ambivert—They're ‘Underrated' and ‘More Successful' than Introverts or Extroverts: Psychology Expert.” Cnbc.Com, CNBC, 21 Feb. 2025, www.cnbc.com/2025/02/21/psychology-expert-signs-youre-an-ambivert-why-theyre-more-successful-than-introverts-and-extroverts.html. “The True Cost of a Bad Hire-and How to Avoid Making One.” Forbes.Com, Forbes Magazine, 30 June 2025, www.forbes.com/sites/allbusiness/2025/06/30/the-true-cost-of-a-bad-hire-and-how-to-avoid-making-one/. “Monthly Labor Review Projection Overview and Highlights 2020-30.” Bls.Gov, U.S. Bureau of Labor Statistics, www.bls.gov/opub/mlr/2021/article/projections-overview-and-highlights-2020-30.htm#_ednref1. Accessed 18 July 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Brian Armstrong, born in San Jose, California, is the co-founder and CEO of Coinbase, the largest U.S.-based cryptocurrency exchange, which he launched in 2012 with Fred Ehrsam. A Y Combinator alumnus, Armstrong grew up in a middle-class family and earned a B.A. in Economics and Computer Science from Rice University in 2005, followed by an M.S. in Computer Science in 2006. Before founding Coinbase, he worked as a software engineer at Airbnb developing anti-fraud tools and founded UniversityTutor.com, an online tutoring marketplace. Under his leadership, Coinbase went public via direct listing in 2021, reaching a $100 billion valuation. As of 2025, it serves over 110 million users with a market cap around $60 billion. A Forbes-listed billionaire with a net worth of approximately $10 billion, Armstrong is a vocal advocate for clear crypto regulation. He founded the Stand With Crypto PAC in 2023 to support pro-crypto politicians, promotes decentralized identity solutions, and has pledged 99% of his wealth to charity through the Giving Pledge. Shawn Ryan Show Sponsors: https://betterhelp.com/srs This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. https://bunkr.life – USE CODE SRS Go to https://bunkr.life/SRS and use code “SRS” to get your 25% off your family plan https://shawnlikesgold.com https://helixsleep.com/srs https://rocketmoney.com/srs https://ROKA.com – USE CODE SRS https://ziprecruiter.com/srs Learn more about your ad choices. Visit podcastchoices.com/adchoices

ADHD and other brain-based conditions such as depression, autism, and even schizophrenia are increasingly understood as inflammatory disorders of the brain—deeply rooted in the complex interplay between genetics, environment, and lifestyle. Many individuals go undiagnosed for years, internalizing harmful labels like “lazy” or “difficult,” until the weight of unaddressed symptoms finally becomes too much. But there is hope: Functional Medicine offers a radically different approach by uncovering and addressing root causes such as nutritional deficiencies, gut microbiome imbalances, food sensitivities, toxin exposures, and lifestyle factors. Stories of transformation emerge when these root drivers are corrected—children once labeled disruptive begin to thrive, adults regain focus and emotional balance, and families find relief. This emerging paradigm offers not just symptom management but the possibility of genuine healing through personalized, whole-body care. In this episode, I discuss, along with Dr. George Papanicolaou and Dr. Jaquel Patterson, how ADHD and other mental health challenges are often rooted in inflammation and imbalances in the body—and how addressing diet, lifestyle, and root causes can lead to real healing. Dr. Papanicolaou is a graduate of the Philadelphia College of Osteopathic Medicine and is Board Certified in Family Medicine from Abington Memorial Hospital. Over time as the healthcare system made it harder for patients to receive personal care, Dr. Papanicolaou decided a change was needed. He began training in Functional Medicine through the Institute of Functional Medicine. In 2015, he established Cornerstone Personal Health—a practice dedicated entirely to Functional Medicine. In August 2017, I invited Dr. Papanicolaou to join The UltraWellness Center and we've been successfully helping people together ever since. Dr. Jaquel Patterson is a nationally recognized naturopathic physician, success coach, three-time Amazon bestselling author, and Forbes contributor. She owns a successful medical practice, Fairfield Family Health in Connecticut, and brings over 16 years of clinical experience, specializing in Lyme disease, autoimmune conditions, integrative psychiatry, and environmental medicine. A sought-after speaker, Dr. Patterson has been featured in USA Today, New York Magazine, and Forbes, and on CBS, Fox, NBC, and ABC. She's the past president of the American Association of Naturopathic Physicians and currently serves on the board of the American Academy of Environmental Medicine. Certified by the Institute for Functional Medicine (IFM), she's also completed a fellowship in functional medicine with a focus on psychiatry and ADD/ADHD. In addition to her naturopathic medical degree, Dr. Patterson holds an MBA in Healthcare Management from Quinnipiac University and an undergraduate degree from Cornell University. This episode is brought to you by BIOptimizers. Head to bioptimizers.com/hyman and use code HYMAN10 to save 10%. Full-length episodes can be found here:Why ADHD Is Not A Psychiatric Disorder Or Brain Disease What's Fueling Our Mental Health Crisis and How Can We Fix it? 7 Strategies To Address ADHD

This week, Jason is joined by a serial entrepreneur who has built four of the most successful environmental service businesses in North America, David Royce! David is the founder and chairman of Aptive Environmental providing pest solutions to thousands of cities in 34 states. David's companies have been highlighted in national publications, including The Wall Street Journal, Forbes, Fortune, Entrepreneur, and Inc. Magazine. In 2015, David was awarded the Earnest Young National Entrepreneur of the Year award.  David shares his journey from knocking on doors as a pest control salesman to becoming Rookie of the Year by mastering sales through relentless study. He breaks down the art of closing deals, why perfecting your pitch is everything, and how taking initiative—like creating a training manual—helped him dramatically increase his earnings summer after summer. David also dives into why “unsexy” jobs are underrated, how he nearly bankrupted his business before scaling it nationally, and the ways Tony Hsieh of Zappos influenced his approach to company culture. He opens up about his biggest career mistake, the importance of mastering sales as a lifelong skill, how to manage newfound wealth, what he looks for (and avoids) when hiring, and what's next on his entrepreneurial journey. Plus, he shares his best advice for anyone looking to build a successful business from the ground up. David reveals all this and so much more in another episode you can't afford to miss! Host: Jason Tartick Co-Host: David Arduin Audio: John Gurney Guest: David Royce Stay connected with the Trading Secrets Podcast!  Instagram: @tradingsecretspodcast  Youtube: Trading Secrets Facebook: Join the Group All Access: Free 30-Day Trial  Trading Secrets Steals & Deals! ROK Financial: Business owners-when opportunity knocks, do you have the capital to answer? ROK Financial, helps small businesses access up to $5 million in funding—in as little as 24 hours. Whether you're expanding, upgrading equipment, or simply need working capital, ROK makes the process fast, simple, and personalized. Visit ROK.biz/tradingsecrets to get started and see what your business may qualify for in seconds. Square:  Whether you're selling lattes, cutting hair, detailing cars, or running a design studio, Square helps you run your business, without running yourself into the ground. With Square, you get all the tools to run your business, with none of the contracts or complexity. And why wait? Right now, you can get up to $200 off Square hardware at square.com/go/tradingsecrets. Nutrafol:  Start your hair growth journey with Nutrafol. For a limited time, Nutrafol is offering our listeners ten dollars off your first month's subscription and free shipping when you go to Nutrafol.com and enter the promo code TRADINGSECRETS. Rula: The first step on your journey to mental-well being is easy. Rula starts by asking you a few questions about what's important to you and then provides a list of licensed in-network providers who match your preferences. You can schedule your preferred time and meet with your therapist as soon as the next day. Go to Rula.com/ [tradingsecrets] to get started today. This Is Small Business Podcast: if you're the kind of person who's always chasing growth — whether it's in business, career, or just betting on yourself — There's a podcast that just dropped a new season and it's right in that zone. It's called This Is Small Business, hosted by Andrea Marquez, and Season 6 is all about entrepreneurs who took massive risks to build something real. So if you're plotting your next move - maybe launching that side hustle, scaling a business, or pivoting hard - go check out This Is Small Business on Apple Podcasts, Spotify — wherever you listen.

We as humans tend to look at most everything with a linear perspective. Like every day and our lives are a straight trajectory that is either getting better or worse, depending on the day. We look at our desires as goals and work towards them sequentially, expecting to get closer every day on this so-called, straight line. My guest in this episode is a neuroscientist who believes this is an errant perspective and what our lives and pursuits really align with is experiments. Instead of sequential progress we are often starting over, again and again, till we get it right. I recall the TV series "Lessons in Chemistry," where the main character, Elizabeth Zott, perfected her lasagna recipe after making it 78 times. This wasn't a linear goal, but an exercise in starting over 78 times, with more wisdom each time. For me this really helps with trying this and then trying that to see what works instead of pushing for one method and feeling like a failure if it doesn't work. Dr. Anne-Laure Le Cunff, PhD, is a neuroscientist, entrepreneur, and writer whose work has been in peer-reviewed journals and WIRED, Forbes, Fortune, and Entrepreneur. Her new book is called, Tiny Experiments: How to Live Freely in a Goal-Obsessed World and it's a guide to adopting and living a more experimental life, turning uncertainty into curiosity, and carving a path of self-discovery. Sign up for your $1/month trial period at shopify.com/kevin Go to shipstation.com and use code KEVIN to start your free trial. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 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 control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 2  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   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 Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   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 is 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 tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  39:32   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 paywalls 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 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   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

This week on The Brave Table, I sit down with the radiant Eliska Vaea, a feminine leadership mentor, ceremonialist, and spiritual teacher whose work has touched thousands of women around the world. Diagnosed with incontinence at just 16, Eliska turned what could have been a lifelong struggle into her sacred calling—guiding women back into the wisdom of their wombs and bodies. From professional athlete to global healer, her journey has taken her through 70+ countries, deep into ancient rites, shamanic teachings, and her own powerful womb-led awakening.In this powerful conversation, we dive into the magic of the feminine body, how to listen to the whispers of your womb, what true success looks like when it's not forced, and how high-performing women can finally soften and return to themselves. This episode is an invitation into your own rebirth—and trust me, you'll feel it.What you'll get out of this episode… The story behind Eliska's feminine awakening and how it changed her life foreverThe powerful (and often misunderstood) truth behind Kundalini awakeningsWhat womb-led leadership really looks like—and how it can shift your business, relationships, and fertilityWhy high-performing women are craving softness and how to give yourself permission to softenSimple daily rituals to connect with your womb and feminine essenceA redefinition of success that centers fulfillment, embodiment, and cyclical powerThis Episode is Powered by Health NagMeet your new daily glow-up: Health Nag's Bioactive Collagen Jelly—the world's first collagen with Types I, II, III & IV for full-body support (skin, gut, joints & more).Tastes amazing. Absorbs fast. One spoon a day = science-backed resilience from the inside out.

(0:28:00) Eric Galko, East-West Shrine Bowl (1:20:00) Jim Williams, Forbes (1:55:00) GJ Kinne, Texas State Football Coach (2:15:00) Phil Bennett, Former College Football Coach (2:40:00) South Carolina Schedule (2:54:00) Paul Catalina's “Top 5” Learn more about your ad choices. Visit megaphone.fm/adchoices

What if AI wasn't just a tool... but your next hire?In this eye-opening conversation, Natalie MacNeil, founder of AI Dream Team, joins me to break down how entrepreneurs and marketers can build smart, scalable systems using multi-agent workflows and ethical AI strategy.We explore what it really means to adopt an AI-first mindset, how to design your own AI-powered marketing team, and why prompting is the new literacy. Natalie shares practical use cases, privacy considerations, and what's coming next from agentic commerce to wallet marketing and decentralized identity.If you've been dabbling in AI tools but wondering how to actually build a system that saves time, scales your creativity, and respects your values, this episode is your roadmap.About NatalieI'm a Futurist, an ICF-credentialed professional coach for leaders and entrepreneurs, and an Emmy Award-winning interactive media producer.My work has been featured in media outlets such as Forbes, Inc., CNN, and Glamour. I'm honored to be recognized by Inc. Magazine as one of the "27 Women Leaders Changing the World.Connect with NatalieWebsite: nataliemacneil.comLinkedIn: https://linkedin.com/in/nataliemacneilConnect with VeronicaInstagram: https://www.instagram.com/vromney/LinkedIn: https://www.linkedin.com/in/vromney/If you found value in today's episode, I would appreciate it if you could leave a rating and review.

Magos Herrera is the extraordinary 2x Grammy nominated Mexican jazz singer-songwriter, activist and educator. She's known for her vocal improvisation and for combining contemporary jazz with Ibero-American melodies and rhythms. She's released 11 albums including “Aire” her latest. She's performed at top venues like Carnegie Hall, Lincoln Center, the Kennedy Center, the Montreux Jazz Festival and the Montreal Jazz Festival. Forbes has named her “One of the most creative Mexicans”. And she serves as spokesperson for UN Women to promote gender equality. My featured song is “It Don't Matter” from the album East Side Sessions by my band Project Grand Slam. Spotify link.------------------------------------------The Follow Your Dream Podcast:Top 1% of all podcasts with Listeners in 200 countries!Click here for All Episodes Click here for Guest List Click here for Guest Groupings Click here for Guest TestimonialsClick here to Subscribe Click here to receive our Email UpdatesClick here to Rate and Review the podcast—----------------------------------------CONNECT WITH MAGOS:www.magosherrera.com____________________ROBERT'S NEWEST ALBUM:“WHAT'S UP!” is Robert's new compilation album. Featuring 10 of his recent singles including all the ones listed below. Instrumentals and vocals. Jazz, Rock, Pop and Fusion. “My best work so far. (Robert)”CLICK HERE FOR THE OFFICIAL VIDEOCLICK HERE FOR ALL LINKS—----------------------------------------Audio production:Jimmy RavenscroftKymera Films Connect with the Follow Your Dream Podcast:Website - www.followyourdreampodcast.comEmail Robert - robert@followyourdreampodcast.com Follow Robert's band, Project Grand Slam, and his music:Website - www.projectgrandslam.comYouTubeSpotify MusicApple MusicEmail - pgs@projectgrandslam.com 

The first time in history this is happening in India What is Jim Buying? A restraint of trade and why commodity prices are cheap Looking to learn from one of the greats – GOAT! This episode's guest: Jim Rogers - The Investment Biker NEW! DOWNLOAD THE AI GENERATED SHOW NOTES (Guest Segment) Jim Rogers, a native of Demopolis, Alabama, is an author, financial commentator, adventurer, and successful international investor.  He has been frequently featured in Time, The Washington Post, The New York Times, Barron's, Forbes, Fortune, The Wall Street Journal, The Financial Times, The Business Times, The Straits Times and many media outlets worldwide.  He has also appeared as a regular commentator and columnist in various media and has been a professor at Columbia University. After attending Yale and Oxford University, Rogers co-founded the Quantum Fund, a global-investment partnership.  During the next 10 years, the portfolio gained 4200%, while the S&P rose less than 50%.  Rogers then decided to retire – at age 37.  Continuing to manage his own portfolio, Rogers kept busy serving as a full professor of finance at the Columbia University Graduate School of Business, and, in 1989 and 1990, as the moderator of WCBS's 'The Dreyfus Roundtable' and FNN's 'The Profit Motive with Jim Rogers'. In 1990-1992, Rogers fulfilled his lifelong dream: motorcycling 100,000 miles across six continents, a feat that landed him in the Guinness Book of World Records.  As a private investor, he constantly analyzed the countries through which he traveled for investment ideas.  He chronicled his one-of-a-kind journey in Investment Biker: On the Road with Jim Rogers.  Jim also embarked on a Millennium Adventure in 1999.  He traveled for 3 years on his round-the-world, Guinness World Record journey. It was his 3rd Guinness Record.  Passing through 116 countries, he covered more than 245,000 kilometers, which he recounted in his book Adventure Capitalist: The Ultimate Road Trip.   Check this out and find out more at: http://www.interactivebrokers.com/ Follow @andrewhorowitz Looking for style diversification? More information on the TDI Managed Growth Strategy - HERE Stocks mentioned in this episode: (SLV), (GLD), (CMG), (DOW), (KSS), (KOSS), (DHI), (SHW)

It's all in the title, folks.   Extra content warnings on this one. Episode Notes: Rebecca Watson on Mehdi Hasan and Jubilee https://youtu.be/4px0MUlTvBk?si=ykE-CTKTDKWTUWHQ The Bulwark interview with Medhi Hasan. https://www.youtube.com/watch?v=fhkzEgWaNSI&pp=ygUOYnVsd2FyayBtZWRoaSA%3D Published as we were recording and saying how much we wanted to know who else was in the birthday book… https://www.wsj.com/us-news/jeffrey-epstein-birthday-album-included-letters-from-bill-clinton-leon-black-a7cd8cb1?st=pc73P3&reflink=article_copyURL_share Jack forgot to mention this excellent article: Who Needs the Epstein Files? Trump's Modeling Agency Was a Documented Trafficking Operation: Court documents, victim testimony, and immigration records reveal how Trump Model Management systematically exploited teenage girls - while everyone chases phantom client lists.  By RachelAndTheCity https://rachelandthecity.substack.com/p/who-needs-the-epstein-files-trumps Kyle Kulinski video providing a quick digest of old and new stories and allegations implicating Trump and Epstein in abuses https://youtu.be/BqER8naYogA?si=atT3BHKfTK34Tnn8 https://bsky.app/profile/realbbfan.bsky.social/post/3luc4tto4mo2e Forbes, 2020: Trump's Business Partners Allegedly Involved In Human Trafficking, Mafia Matters, Probable Money Laundering https://www.forbes.com/sites/danalexander/2020/08/20/trumps-business-partners-allegedly-involved-in-human-trafficking-mafia-matters-probable-money-laundering/ Daily Kos, 2016: "We All Knew About the Trafficking"-The Untold Story of Trump Model Management (Part 1) https://www.dailykos.com/stories/2016/10/6/1578544/-The-Untold-Story-of-Trump-Model-Management-A-Daily-Kos-Exclusive-Part-1 Mother Jones, 2016: Senator Calls for Homeland Security to Investigate Trump's Model Agency - “I am extremely concerned by the claims levied against Trump Model Management.” https://www.motherjones.com/politics/2016/09/trump-models-illegal-immigration-investigation-barbara-boxer-letter/ Watchdog Report, 2017: Trump Model Management Investigated For Violating Teenagers, Immigration Laws and Labor Laws https://trumpwatchdogs.com/2017/07/24/trump-model-management-investigated-for-violating-teenagers-and-immigration-laws/ We Need to Talk About Pedocon Theory: The connection between Donald Trump and Jeffrey Epstein is no accident, but reveals a deep logic at the heart of reactionary politics.  By Samantha Hancox-Li at Liberal Currents https://www.liberalcurrents.com/we-need-to-talk-about-pedocon-theory/ Show Notes: Daniel's Patreon: https://www.patreon.com/danielharper/posts Jack's Patreon: https://www.patreon.com/user?u=4196618&fan_landing=true IDSG Twitter: https://twitter.com/idsgpod Daniel's Twitter: @danieleharper Jack's (Locked) Twitter: @_Jack_Graham_ Jack's Bluesky: @timescarcass.bsky.social Daniel's Bluesky: @danielharper.bsky.social IDSG on Apple Podcasts: https://podcasts.apple.com/us/podcast/i-dont-speak-german/id1449848509?ls=1  

The Hidden Lightness with Jimmy Hinton – Despite the fear-mongering about job loss, the reality is that the American labor market is full of potential. High-paying jobs that don't require a four-year degree are waiting for willing hands. According to Forbes and Randstad, the best jobs in 2025 include roles like wind turbine technician, solar installer, plumber, and HVAC technician—all jobs that can't be replaced by algorithms...

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureTrump called the UN out on their fake climate agenda. The UN wants to sue, if they try they will lose. D's try to say Trump raised prices on food, boomerang, it was Biden, D's delete the X Post. Australia and many other countries will accept beef from the US. Trump exposes the Fed, if they can't manage a renovation, how are they managing the US. Trump might give a rebate to the people. The [DS] pushed the Epstein narrative, they tried to divide MAGA, they fell right into the trap that Trump set. They want their manipulated docs released but Trump wants the Grand Jury info released and Ghilliane  Maxwell was interviewed, will she spill the beans. Trump as the [DS] right where he wants them, he has the floor now and all eyes are on Obama, pain is happening now, justice is coming.   Economy Trump Issues Perfect Response After UN Pushes Policy Where US Can Be Sued Over Climate  After the International Court of Justice ruled this week that countries are required to cut emissions in the name of climate change, the White House gave a simple reply: “America first.” Any decision from the court is non-binding, but far-left advocates are hopeful it will cause a chain reaction, leading to “domestic lawsuits” and “other legal actions,” according to the Associated Press. The case was reportedly brought before the United Nations' highest court by small island countries, seeking to force international standards onto larger governments. When Axios reached out to the White House Monday regarding potential penalties the United States could face, the response was direct. “As always, President Trump and the entire Administration is committed to putting America first and prioritizing the interests of everyday Americans,” Spokeswoman Taylor Rogers said in a statement. Spot on. We cannot be sucked into global affairs — and follow edicts from other countries — as we rebuild our own domestic infrastructure. Hence, Trump's move to withdraw America from the Paris Climate Accords — something he'd already done in his first term, but had to do again after former President Joe Biden reversed it. “[The ICJ case] specifically calls out the responsibility of industrialized nations to take the lead in limiting emissions,” Axios reported. Are we supposed to believe that countries like China and Russia are going to have their feet held to the fire on pollution? The target seems to be the United States. Why? Because we have far-left lawmakers willing to throw trillions of dollars at an issue that hasn't even been fully settled. First, it was “global warming” because the polar caps were melting, setting up an ice age. Then the argument shifted to temperatures getting hotter, and the phrase was switched to climate change. Every time a doomsday event was predicted, it got pushed off. “The Day After Tomorrow” never came. That's red flag number one. Red flag number two is the potential money-laundering aspect. After laundering tactics were exposed inside the USAID by Elon Musk's DOGE team, what's to stop climate change funding from being used as a personal piggy bank? During the Obama years, the firm Solyndra had the federal government cosign a loan for over $500 million in solar technology before it went under, Forbes reported. The same Forbes piece highlighted how several similar firms were given hundreds of millions of dollars in taxpayer funds, yet they all failed. Where did the money go? Source: thegatewaypundit.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.