Podcasts about frm

คนไทยส่วนใหญ่ “แก่ก่อนรวย” สะท้อนจากสถิติคนที่เกษียณอายุมีมากถึง 47% ยังไม่สามารถเก็บเงินออมได้ตามแผนที่ตั้งใจ และมีคนจำนวนมากที่ยังไม่ได้วางแผนเก็บเงิน-ลงทุน สำหรับเกษียณอายุ ถ้าไม่อยากแก่ก่อนรวย โดยเฉพาะกลุ่มคน Gen X [อายุ 45 – 60 ปี] Gen Y [อายุ 30 – 44 ปี] ที่เสี่ยงวางแผนไม่ทัน จะต้องเริ่มวางแผนอย่างไร ?​ Talk ลงทุนแมน ชวนมาถอดบทเรียน และวางแผนการเงินให้พร้อมสำหรับวัยเกษียณ ผ่านเทคนิคของ 2 Generation กับคุณปณตพล ตัณฑวิเชียร, CFA, FRM. Chief Investment Officer, KAsset และคุณภารดี มุณีสิทธิ์, CFA, Chief Investment Officer, KAsset

Season 5, episodio 12. Hoy tocaba capítulo exclusivo para mecenas, pero cuando llega una entrevista así… se mueve todo.Tras las charlas con Daniel Escaño y Rubén Espinosa seguimos en la misma línea: nutrición, fuerza, entrenamiento físico y, esta semana, el elemento que casi todos olvidan. La cabeza.Hoy nos visita uno de los grandes pioneros del mountain bike europeo. Un corredor que marcó una época en el XC internacional. Ganador de la Copa de Europa en 2001, diez años en la Selección Italiana Elite, siete podios en los Campeonatos de Italia y uno de los responsables de introducir la rueda 29 pulgadas en el mundo del racing europeo en 2011. También fue quien desarrolló el primer aro de 30 milímetros de canal para XC, un estándar que hoy usa toda la industria.Tras su etapa como atleta se convirtió en responsable técnico y desarrollador de producto en FRM y más tarde consultor para marcas que buscaban innovación real. Y ahora dirige Piraz Coaching Academy, la primera academia online dedicada en exclusiva a MTB y e-MTB, donde une metodología deportiva, técnica de pilotaje y entrenamiento mental con un objetivo: sacar la mejor versión del ciclista.En esta entrevista repasamos su trayectoria, su visión del material, el proceso de pasar de atleta a coach y entramos a fondo en lo que más nos interesa. El trabajo mental aplicado al ciclismo.Cómo gestionar la presión previa a una carrera. Cómo reconstruir la confianza tras una caída o una mala racha. Qué errores mentales cometen la mayoría de ciclistas amateur. Cómo entrenar la cabeza cuando no se tiene mucho tiempo. Y por qué la técnica también es un entrenamiento mental.Una conversación honesta, práctica y muy útil para cualquier ciclista que quiera competir mejor, entrenar mejor o simplemente disfrutar más de la bici.Además del invitado, repasamos nuestras movidas habituales:Las Hoka nuevas de Charly, el camión de Shimano que nos ha llegado al estudio con material tope de gama, todo lo que viene en el calendario de carreras, la FarWest con sus novedades UCI, y las historias de la comunidad en Vuestras Mierdas.Cerramos con DestinoCape: ya tenemos vuelos a Sudáfrica para la Cape Epic gracias a SolJet Viajes. Doce horas de viaje, trece personas y Emirates de por medio. Se viene aventura.Si te interesa el trabajo mental, la evolución del MTB o simplemente te apetece aprender de alguien que ha estado arriba del todo y que ahora ayuda a otros a llegar, este episodio te va a gustar.Puedes seguir al invitado aquí:Instagram de Mirko Pirazzoli: https://www.instagram.com/mirkopirazzoli/Nos escuchamos dentro.

In this KE Report Daily Editorial, we're joined by TG Watkins, Director of Stocks at Simpler Trading and Editor of the Profit Pilot, to break down the broad market rebound following the U.S. government shutdown and where traders should look for confirmation of lasting strength. Key Discussion Highlights: Liquidity Rebound: Government reopening releases cash back into markets, fueling “risk-on” buying. Technical Confirmation Needed: TG expects retests of key supports before declaring a true reversal. Chart Setup Tips: Watch the 8 EMA, 21 EMA, and hourly 50 SMA for uptrend confirmation. Metals Cooling Off: Gold, silver, and miners may need time to consolidate after sharp rallies. Crypto Strength: Ethereum, Bitcoin, Solana, and BMNR showing early institutional accumulation. Stocks in Focus: TG highlights A FRM, SKLT, GRAB, Tesla, and Robinhood as setups with potential. Click here to visit TG's site - Profit Pilot - https://www.profit-pilot.com/ -------------- For more market commentary & interview summaries, subscribe to our Substacks: The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/   Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.

On this episode of FRM, The "Butt" Jim Molineaux and Ref Nick are unavailable. So, Freland and his fellow wrestling comrad Josh "Cowboy" Woodward are holding down the show. This week they discuss the John Cena retirement tour, Cody Rhodes as the face of WWE, TKO, AEW and much more!

– The RIA Podcast with Seth Greene Episode 226 Brett Meyer The future of small cap investment is in active ETFs—and Toll & Co. is at the forefront. Brett Meyer, CFA, FRM, Head of Capital Formation at Towle & Co., explores the firm's small-cap value strategy. With over 43 years of success, Toll & Co. focuses on undervalued, cyclical companies, using a disciplined approach that makes it a unique player in the investment world. Brett shares how their strategy fits into clients' portfolios and the firm's recent foray into active ETFs, which aims to enhance investment opportunities.Listen to this insightful RIA episode with Brett Meyer about how Small Cap strategy can complement your portfolio.Here is what to expect on this week's show: The unique small cap value strategy that Toll & Co. has run for over 43 years The growing role of active ETFs in investment strategies Why small cap and value strategies may be set to make a comeback The differences between ETFs, model delivery programs, and separately managed accounts The importance of understanding investor preferences and evolving trends like ESG Connect with Brett:Links Mentioned:Website: https://www.towleco.com/ Towle ETFs: https://www.towleetfs.com/ Guest Contact Info: LinkedIn: https://www.linkedin.com/in/brett-meyer-cfa-frm-b612461/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the InsuranceAUM.com podcast, host Stewart Foley, CFA, is joined by Frank Melaccio, CFA, CPA, FRM, Vice President, Finance and Treasurer at Horizon Blue Cross Blue Shield of New Jersey, and Jason Young, Head of U.S. Corporate Private Placements and Private Structured Credit at MetLife Investment Management (MIM). The discussion explores the evolving role of investment-grade private credit and asset-based finance (ABF) in health insurance investment portfolios. Both guests share their career journeys, personal anecdotes, and their perspectives on strategic asset allocation within the unique cash flow structures of health insurers.   Together, they dive into the diversification benefits, relative value opportunities, and liquidity considerations of IG private placements and ABF. Frank offers insights into how health insurers manage illiquidity risk while optimizing return on capital, and Jason sheds light on how the ABF market has matured with shorter durations and more investor interest. This episode is packed with expert perspectives on credit market dynamics, the future of private fixed income, and how health insurers can better position their portfolios in today's rapidly changing environment.

Charlie Marlow discusses the latest breaking news in the #NASCAR lawsuit as NASCAR is reportedly willing to settle with 23XI Racing & FRM according to Adam Stern.#nascar #racing

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Gwenn Cujdik, the Incident Response and Cyber Services Lead for North America at AXA XL. Justin and Gwenn cover various cybersecurity topics, and how her 15 years as an Assistant District Attorney prepared her for her current role of responding to cyber attacks. Listen for tips on securing your organization, large or small, from cyber attacks and responding when, not if, they come. Gwenn shares her experiences and some advice.   Listen for Gwenn's insights to help you be vigilant and prepared against cybercrime.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] With great sadness, the RIMS family lost a true leader in September. Susan Meltzer was an exceptional risk professional and passionate volunteer with RIMS. She served as the Society's President in 1999 and 2000. [:29] RIMS has established a scholarship fund in her name. You can donate to that fund through RIMS, The Foundation for Risk Management®, at RIMS.org/FRM. [:46] About this episode of RIMScast. This is our National Cybersecurity Awareness Month episode. Here to lend her insight on all things cyber is Gwenn Cujdik. She is the Incident Response and Cyber Services Lead for North America at AXA XL. [1:19] We're also going to talk about her fascinating career that antedates her time in cyber. [1:24] RIMS-CRMP Prep Workshops! The next RIMS CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:36] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:53] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [2:07] On November 11th and 12th, Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on virtual workshops! [2:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:37] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:51] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [3:08] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [3:20] On with the show! It's National Cybersecurity Awareness Month here in the U.S. and in many places around the world. Cyber continues to be a top risk among organizations of all sizes in the public and private sectors. [3:35] Joining me today to discuss cybersecurity awareness is Gwenn Cujdik. You may remember her from the RIMS AXA XL webinar on September 4th, “Lock Down & Level Up.” [3:52] During that webinar, we had a brief, fascinating discussion about her time as an Assistant District Attorney in Pennsylvania. [4:01] I wanted to learn more about how someone transitions from a colorful career to cybersecurity and eventually becomes the Incident Response and Cyber Services Lead for North America at AXA XL. [4:15]  She's got a lot on her plate. She's got a huge risk radar. We're going to talk all about it and help all the risk managers out there use her insight and perspective to protect their organizations. Let's get to it! [4:28] Interview! Gwenn Cujdik, welcome to RIMScast! [5:09] Gwenn is Incident Response and Cyber Services Lead for North America at AXA XL. When a client has a cyber breach, they call AXA XL and work with Gwenn's teams. [5:42] Gwenn works on training her teams to be able to respond, setting up procedures and processes to make the response seamless and collaborative, and making sure the clients get consistent service, whoever handles the call. [6:16] Gwen's team has 18. Four are in leadership with 14 more team members. Two managers directly supervise the teams to help them with answers to questions about unusual situations. [6:50] Gwenn helps the teams understand massive events and how they might affect AXA XL and their clients, how to interact with brokers, and technical matters. She helps the team understand coverages when it comes to something unique. “It's all hands on deck for us!” [7:55] Gwenn says, Fighting crime is a part of who I am. She is driven by helping others get through some terrible times. She has seen the worst of the worst. Sometimes it takes just one helping hand to get people through tough times. She has seen how impactful that can be. [8:44] Sometimes, in a crisis, how people interact with the victim could be the recipe for them to recover fully from that event. Gwenn has seen people recover, take back their lives, move forward, and be survivors. She has seen corporations and companies do so and become better. [9:39] Justin repeats that Gwenn has seen the worst of the worst: homicides, murders, abuses of women and children, arson, and more. She has seen it all, including things that she wishes she hadn't seen. [10:27] Gwenn compares cyber incident response to her ADA work. A prosecutor has to be able to handle things under pressure. The best prosecutors are looking to do the right thing. Gwenn has met many people who, absent the crime, would have been friends. [11:06] You have to be able to see there's a human on the other side, and there are humans that they hurt. You do right by understanding that there are a lot of players involved, who are humans. [11:26] It helps you understand where somebody might be coming from. It helps you understand why they might be screaming at you. “I'm just the messenger, but let's talk about why you're so upset.” [11:39] Gwenn says one of the cool things about being a prosecutor is that every case you have presents a different set of facts and circumstances. There's a law that's intertwined with it, and that's interesting for Gwenn. [11:54] The first time Gwenn had an arson case, she had to work with the Fire Marshals to understand how they knew the fire started here. How did they know it was a chemical? She started with the Fire Marshals and then went to the crime scene to talk to Forensic Chemists. [12:11] The Forensic Investigators explained the chemistry behind the Molotov Cocktail that was thrown through the window. This was how the fire started, and then it enveloped the room. [12:22] When Gwenn first worked with DNA, she found it to be incredibly complicated. She had to learn it to be able to explain it. Her job was to explain to 12 people why DNA mattered, why it's this guy, and not anybody else, that committed this crime; the numbers are insane. [12:44] It could be one in a hundred quadrillion that it's another person. Those numbers are insane, and it's really hard to understand. [12:56] Gwenn was in the DA's office when cell site analysis came around; being able to triangulate where someone is, using cell towers. The Philadelphia Field Office had one of the pioneers in that science. Gwenn learned from him. [13:13] One of Gwenn's matters was a homicide. They tracked the defendant from the scene of the crime, through public transportation, back to his house, using cell site triangulation. While they were mapping, the actor Joe Piscopo came by, touring the building. Gwenn was an SNL fan. [14:23] Gwenn's prosecutorial experience translates to cyber in that each matter is a little different. There's a bad guy at the other end. Gwenn is not sympathetic to the bad guys because they are anonymous. Nobody sees them or knows them. It's usually a criminal enterprise. [14:59] It's a group of people working together, motivated by money and wreaking havoc on people who are trying to make a living and support their families. The bad guys want to extort millions of dollars and put businesses and livelihoods in danger. [15:42] In Philadelphia, the elite of the elite prosecutors worked in homicide. Some spend 20 or 30 years there. Gwenn was an ADA for 15 years, but couldn't see herself doing it for 20 or 30 years. She wanted to stay positive and be a force for good when she was dealing with bad. [16:34] She wondered where she could go to have a similar impact for good, investigating, and helping people get through an awful time. [16:45] Gwenn had a friend who worked with her in the Family Violence and Sexual Assault Unit. She had left the office to work for a new law firm doing cyber incident response. She called Gwenn and said she would be really good at it. She explained it to Gwenn. [17:50] Gwenn interviewed with the firm and got an offer the day she interviewed. She realized that was what she wanted to do. Some former prosecutors were doing it. There were some amazing people, and she wanted to be a part of that, something new, interesting, and growing. [18:15] Gwenn wanted to be challenged and get to help people. Once she discovered it, she couldn't think of a better transition for people who are in law enforcement than going into cybersecurity. [18:39] RIMS Events! On November 17th and 18th, join us in Seattle, Washington, for the RIMS ERM Conference 2025. The agenda is live. Check out Episode 357 for Justin's dialogue with ERM Conference Keynote Presenter Dan Chuparkoff on AI and the future of risk. [18:59] Visit the Events page of RIMS.org to register. [19:02] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by October 30th! [19:16] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by October 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [19:30] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [19:42] Let's return to our interview with Gwenn Cujdik! [20:14] Gwenn says cybersecurity takes a village. What she learned in criminal prosecution is that as long as there have been humans, there has been crime. We're fortunate as a society to have laws, law enforcement, governing bodies, and organizations to keep crime down. [20:54] It's not dissimilar to cybersecurity. If Gwenn were talking to a board, she would say, It takes everybody in your community, in your organization, to build resilience, protect yourself from cybercrime, and react to it. [21:12] Gwenn says a big mistake people often make is thinking incident response is a job for just their tech team. The IT team is not trained in all the various fields you need to be an expert in to get through a cyber incident. [21:41] Your IT team will be able to get you up and running, collaborate, and be a good foundation for the incident response, working with outside experts. It takes people who understand the law and who understand communications. [21:54] It takes people who understand the brand, who are the heart of the organization, to be able to respond. Your CISO may say, Here's how I think that we should respond, but your CEO may say, This isn't how I think we would respond to an event like this. Keep in mind who we are. [22:32] Your legal team is there to say, Here's why we can't do that, the risk is too great; It will be worse if you do X, Y, Z; You shouldn't do that because you need to be compliant with the law. [23:11] Gwenn says good leaders lead best when they model. If you expect people to be open-minded and collaborative, you need to be the same. For the most part, organization leadership is very aware that cybersecurity is an important part of who they are and will be. [23:55] Gwenn has met a ton of CEOs who admit they don't know what they don't know and ask for help to understand cybersecurity so they can help their organizations in the best way possible. Some CEOs are thinking ahead and putting teams together that understand their role. [24:20] Gwenn has encountered CEOs who are just messing up the process. One wanted to invite his wife, not an employee, to the conversation because she would like to hear about it.  From a legal and business perspective, it's very risky for the company. [25:04] One Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [25:23] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [25:39] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [25:53] Let's Conclude Our National Cybersecurity Awareness Month Interview with Gwenn Cujdik! [26:05] It's National Cybersecurity Awareness Month 2025, here in the U.S. It's a big month for everyone in Gwenn's house; they have to pull their own weight a little more because she's traveling a lot, she's out a lot, and there are a lot of conferences and meetings going on! [26:29] Gwenn tries not to shove everything cyber just into October. October is busy, and she loves it. [26:56] On October 29th, at the Sheraton New York Times Square Hotel in Manhattan, Gwenn will be the Conference Co-Chair for the Zywave Cyber Risk Insights New York event. It's a full day with a lot of very knowledgeable individuals from a range of companies. [27:50] It is one of Gwenn's favorite events. It's a day packed with good information. She would love to see more risk managers and CISOs join it. The amount of information you can get in one day is almost unbelievable. The content is pretty diverse. [28:21] It covers claims, the state of the market, the different ways threat actors are attacking, how to prepare better for attacks and for business continuity, and how to organize invoices and costs as you're going through an incident response. [29:01] Gwenn says, Get the small things right so you can deal with the big things. While you tackle the small things, you can talk about whether or not the law requires you to file notifications to seven million people and how to get through that as a company. [29:22] Gwen says it's a great event. Gwenn will be there, giving opening remarks. Justin will be there, after attending a heavy metal concert the night before. The link is in this episode's show notes. [30:52] When Gwenn entered the cybersecurity field, she was surprised at the female presence. One of the managing partners who interviewed her was a female. There are also savvy female hackers out there. [31:35] Gwenn says that in criminal law, people have trouble understanding that women can commit crimes, the same way that men can. Gwenn points out Elizabeth Holmes and the book Bad Blood, about Theranos. [32:23] Gwenn mentions a woman in government who embezzled $22 million from her community to show horses. [32:42] Gwenn says, in terms of cybersecurity being a male-dominated field, we're all learning together; anybody who tries and is committed to it can do it. Because it's new, people come from different backgrounds with diverse experiences. [33:11] Gwenn says, We're seeing value in people coming from different careers and different industries and seeing their skillsets translate to cybersecurity. In this field, you need great diversity with people from all different backgrounds to be able to tackle this. [33:38] It's not one-size-fits-all. There are personalities involved. There are different businesses involved, from small to large, public to government. You have to be able to understand a huge variety of people and businesses. You have to understand a huge amount of technology. [34:00] Gwenn talks about the differences between cybersecurity and other industries. eDiscovery for cyber is not the same as eDiscovery for litigation. You need special people and tooling, and you have to understand what the tooling is, which helps you figure out timing. [34:43] Technology is always developing. Gwenn compares it to cat and mouse. We're constantly chasing the bad guys to figure out what they're doing. Sometimes it's reactive. They'll think of something new, and we've never seen it before. This is how we get through it. [35:04] The tools and a skillset you've used dealing with everything before help you tackle what's coming. Even the way we investigate and respond to things has changed. [35:16] Gwenn says when we came on the scene, we would grab images of all the computers. If there were 50 computers, you would have 50 images, which would mean people going through a massive amount of data, taking a really long time. [35:30] We don't do that now. We have tools and technology that can get through a system programmatically, to pull the evidence we need to do these investigations without having to go into a shop and take copies of laptops or servers to get through that. [35:49] That makes a potential difference of millions of dollars in responding. It's the difference between months and a month to respond. [36:15] Gwenn has not seen a malicious actor with technology or an algorithm that is beyond what she has seen before. She says, We have the technology they have. You'd be surprised how much private industry gives to our community in terms of intelligence and technology. [36:35] Gwenn adds, We work with the government to find out solutions. The industry is armed pretty well. Gwenn has seen some things that have impressed her. One attacker was pulling searches from a legal hold, getting into sensitive information. [37:16] Their searches looked legitimate, like what an attorney would look for, so it didn't set off bells and whistles. Gwenn wonders how they knew to look in a legal hold. Were they lawyered? That was something small but ingenious to Gwenn. [37:46] Seeing a smart attack invigorates Gwenn to use her brain and try to be as smart or smarter. She says that's what is great about this job. It's constantly changing. You're constantly moving. It's not for weak minds. [38:11] To excel, you have to be smart, tenacious, and love learning. You have to love that you may be an expert in this, but you may become obsolete. You've got to keep your game up.  Gwenn says she is just a big nerd for it. [38:33] Attackers are using AI more. Gwenn recalls two incidents recently where two different groups, for two different reasons, were attacking Salesforce. That's the rub of being popular. One group used AI to search quickly for sensitive information to leverage attacks on companies. [39:27] Unfortunately, people are reusing passwords, and the bad guys know that. Gwenn says you'd better not! [39:57] Justin comments that AI being used for a cyber attack should be on companies' risk radars. How can they adjust defense strategies to stay ahead of something like that? [40:08] Gwenn is dealing with that at this moment. If you are a big company with subsidiaries and locations around the country or the world, segregate the networks. If an attack hits your facility in Oklahoma, they won't have access to your facility in Belgium. [40:38] If your locations are networked, it's a domino effect. If one goes down, they all go down. In terms of business resilience, that is the one factor that can tumble everything with the press of a button. [40:55] The tools that bad guys are using are meant to get them through fast. They get in, use AI to conduct reconnaissance, and get terabytes of data out quickly. It's important to take every effort to reduce the severity of an attack in its spread and the amount of data stolen. [41:40] Can they move laterally within a company or elevate privileges by getting to the admin, who has access to everything? It's great to focus on how to prevent it, but the reality is, they're going to find a way. It's not if, it's when. [42:09] While you have to prevent the attack from happening, and be vigilant. If you get an attack, you have to make sure it's small, you respond quickly, and it's not going to hit every facet of your company. Attacks that hit every facet of the company are the most devastating. [42:39] Justin says you've been wonderful. You've given us so much to think about when it comes to National Cybersecurity Awareness Month. You do great work! I look forward to seeing you in more AXA XL RIMS collaborative webinars! [42:55] We'll see you in the city for the Zywave Cyber Risk Insights New York, on  October 29th, delivering the opening address and mingling with attendees. [43:04] Gwenn says, I'll be there all day, attending sessions, supporting my friends on panels, my cyber family, and for folks who want to meet me. I'm always happy to talk cyber! [43:24] Justin says, Lock Down & Level Up: Turn Up Your Cybersecurity Game Against Creative Cyber Criminals. [43:30] You've been such a wonderful guest, and I appreciate all your time and insight today. Thank you, Gwenn! [43:43] Special thanks to Gwenn Cujdik of AXA XL for joining us here to discuss all things cyber. The AXA XL RIMS webinar, “Lock Down & Level Up: Turn Up Your Cybersecurity Game Against Creative Cyber Criminals,” is now available on demand through the RIMS.org/Webinars page. [44:05] A link is also in this episode's show notes. [44:07] Gwenn will deliver the opening address at the Zywave Cyber Risks Insights New York Conference on October 29th in Manhattan. A link is in this episode's show notes. [44:19] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [44:47] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [45:05] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [45:23] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [45:39] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [45:54] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [46:06] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RISKWORLD 2026 — Members-only early registration through Oct 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now Zywave's 2025 Cyber Risk Insights Conference — Oct. 29, 2025 | New York City StaySafeOnline.org “RIMS Issues Statement on the Passing of Legendary Risk Leader and Former RIMS President Susan Meltzer” Upcoming RIMS Webinars: RIMS.org/Webinars Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes | Oct. 9 | Sponsored by Global Risk Consultants Jury Dynamics: How Juries Shape Today's Legal Landscape | Oct. 16, 2025 | Sponsored by Zurich Parametric Insurance: Providing Financial Certainty in Uncertain Times | Oct. 30, 2025 | Sponsored by Swiss Re Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World | Nov. 6 | Sponsored by Hub “Lock Down & Level Up: Turn Up Your Cybersecurity Game Against Creative Cyber Criminals”   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Risk Appetite Management” | Oct 22‒23 | Instructor: Ken Baker “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham “Fundamentals of Insurance” | Nov. 11‒12 | Instructor: Chris Hansen “Leveraging Data and Analytics for Continuous Risk Management (Part I)” | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about Cyber: “AI Risks and Compliance with Chris Maguire” “Data Privacy and Protection with CISA Chief Privacy Officer James Burd” “Cyberrisk Trends in 2025 with Tod Eberle of Shadowserver”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Gwenn Cujdik, Incident Response and Cyber Services Lead for North America at AXA XL Production and engineering provided by Podfly.  

I read from FRM to frolicsome. The word of the episode is "frolicsome". Happy Gilmorehttps://www.imdb.com/title/tt0116483/ Use my special link https://zen.ai/thedictionary to save 30% off your first month of any Zencastr paid plan. Create your podcast today! #madeonzencastr Theme music from Jonah Krauthttps://jonahkraut.bandcamp.com/ Merchandising!https://www.teepublic.com/user/spejampar "The Dictionary - Letter A" on YouTube "The Dictionary - Letter B" on YouTube "The Dictionary - Letter C" on YouTube "The Dictionary - Letter D" on YouTube "The Dictionary - Letter E" on YouTube "The Dictionary - Letter F" on YouTube Featured in a Top 10 Dictionary Podcasts list!https://blog.feedspot.com/dictionary_podcasts/ https://linktr.ee/spejampardictionarypod@gmail.comhttps://www.facebook.com/thedictionarypod/https://www.threads.net/@dictionarypodhttps://twitter.com/dictionarypodhttps://www.instagram.com/dictionarypod/https://www.patreon.com/spejamparhttps://www.tiktok.com/@spejampar917-727-5757

In this season 5 episode of First Look ETF, Stephanie Stanton ‪@etfguide‬ examines the latest ETF marketplace trends with NYSE and guests. The guest lineup for this episode includes:1. Maital Legum, NYSE2. Robert C. Doll, CFA, CEO & CIO, Crossmark Global Investments3. Brett Meyer, CFA, FRM, Head of Capital Formation, Towle & Co.4. Victor Haghani, CIO & Founder of Elm Wealth*********First Look ETF is sponsored by the New York Stock ExchangeLearn more at https://www.ETFCentral.comWatch us on YouTube (Link http://www.youtube.com/etfguide)Follow us on Twitter @ETFguide (Link https://twitter.com/etfguide)Visit us at ETFguide.com (https://www.etfguide.com)

จับตาการเมืองไทยวันพรุ่งนี้ ชี้ชะตา “ตลาดหุ้นไทย” Downside จำกัด   The Investo คุยเคลียร์ข่าว ให้เข้าใจทุกการลงทุน กับ Naomi   แขกรับเชิญ ณัฐชาต เมฆมาสิน, CFA, FRM ผู้ช่วยกรรมการผู้จัดการอาวุโส ฝ่ายวิเคราะห์หลักทรัพย์ บล.ทรีนีตี้ จำกัด     Naomi ดำเนินรายการ   รายการ The Investo กับ Naomi วิเคราะห์เจาะลึกข่าวสำคัญในแต่ละวัน กับผู้เชี่ยวชาญในด้านต่างๆ ทั้งเศรษฐกิจ การเงิน และการลงทุน   คุยเคลียร์ข่าว ให้เข้าใจทุกการลงทุน กับ Naomi ที่ Facebook และ YouTube Finnomena ทุกวันจันทร์ - พฤหัสบดี -- ติดตามช่องทางอื่น ๆ ของ Finnomena Website https://www.finnomena.com  Facebook   / finnomena     IG   / finnomena     Twitter https://x.com/finnomena  TikTok   / finnomena     ดาวน์โหลดแอป Finnomena หรือเปิดบัญชีกับ Finnomena คลิกเลย https://finno.me/finnomenaliveyt ติดตามทุกโอกาสการลงทุน Finnomena Opphub https://finno.me/fcins    #หุ้นไทย #เศรษฐกิจไทย #ลงทุน #TheInvesto #Finnomena

We finally get some juicy details in the NASCAR Antitrust lawsuit - and it is a bit of an everyone-hates-everyone vibe. We dig into the details, plus - the latest NASCAR News, we analyze the playoff field, and our Paint Scheme Preview and Picks for Darlington!The Rundown:- Lawsuit Drama! Text messages have been realeased. NASCAR is looking a bit shady. 23XI is looking a lot mad- Daytona - Ryan Blaney prevents playoff silliness from happening. Thank you, Ryan.- Daytona Ratngs- NASCAR Playoff field analysis - who is already in trouble- NASCAR News:- Connor Zilisch coming to the Cup Series. Too soon?- NASCAR looking to sell charters out from under 23XI and FRM - but who are the buyers?- Legacy gets injunction in their lawsuit with RWR- Dodge and...Kaulig(?) in the Truck Series- Nashville Fairgrounds vs. Nashville Superspeedway - how much of a difference does it really make?- Darlington! Our Paint Scheme Preview and PicksFind the latest episodes at InTheDraftShow.com, follow on Bluesky and Instagram @InTheDraftShow – and like the show on Facebook at facebook.com/InTheDraftShowThanks for listening!

On this very special episode of FRM we discuss the life and legacy of the "Immortal Hulk Hogan"

I read from FRM to frolicsome.       The word of the episode is "frolicsome".       Happy Gilmore https://www.imdb.com/title/tt0116483/       Use my special link https://zen.ai/thedictionary to save 30% off your first month of any Zencastr paid plan.    Create your podcast today! #madeonzencastr       Theme music from Jonah Kraut https://jonahkraut.bandcamp.com/       Merchandising! https://www.teepublic.com/user/spejampar     "The Dictionary - Letter A" on YouTube   "The Dictionary - Letter B" on YouTube   "The Dictionary - Letter C" on YouTube   "The Dictionary - Letter D" on YouTube   "The Dictionary - Letter E" on YouTube   "The Dictionary - Letter F" on YouTube     Featured in a Top 10 Dictionary Podcasts list! https://blog.feedspot.com/dictionary_podcasts/     Backwards Talking on YouTube: https://www.youtube.com/playlist?list=PLmIujMwEDbgZUexyR90jaTEEVmAYcCzuq     https://linktr.ee/spejampar dictionarypod@gmail.com https://www.facebook.com/thedictionarypod/ https://www.threads.net/@dictionarypod https://twitter.com/dictionarypod https://www.instagram.com/dictionarypod/ https://www.patreon.com/spejampar https://www.tiktok.com/@spejampar 917-727-5757

Accenture, American Express, ASOS, EY, Four Seasons Hotels, Google, NBC Universal  are his clientsFrm Royal Air Force Senior Officer, Frm. International Negotiator for the UK Government,  executive coach. Google, Accenture, American Express His first book, 'Find Your Why: A Practical Guide for Discovering Purpose for You and Your Team', co-authored with Simon Sinek and David Mead. Peter gets up every day inspired to enable people to be extraordinary so that they can do extraordinary things. Collaborating with Simon Sinek for over 7 years, he was a founding Igniter and Implementation Specialist on the Start With Why team, teaching leaders and companies how to use the concept of Why."The first step is to distinguish leadership from management. “Management is about handling complexity,” explains Docker, while “leadership is about creating simplicity. It's about cutting through the noise, identifying what's really important, making it personal for people, bringing them together and connecting them.”  ~  Peter Docker in Venteur Magazine January 2023One of Peter's latest books, 'Leading from The Jumpseat: How to Create Extraordinary Opportunities by Handing Over Control'Peter's commercial and industry experience has been at the most senior levels in sectors including oil & gas, construction, mining, pharmaceuticals, banking, television, film, media, manufacturing and services - across more than 90 countries. His career has spanned professional pilot; leading an aviation training and standards organisation; teaching post-graduates at an international college; and running multi-billion dollar procurement projects. A former Royal Air Force senior officer, he has been a Force Commander during combat flying operations and has seen service across the world. He is a seasoned crisis manager, a former international negotiator for the UK Government and executive coach.© 2025 Building Abundant Success!!2025 All Rights ReservedJoin Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23bAmazon Music ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

In this episode of FRM we discuss Wrestlers starring in historically bad movies, WWE News, AEW News and More!

On this episode of FRM the guys discuss Jimmy Swaggart, WWE News and Rumors, and all things AEW!

On this episode of FRM the guys discuss: Goldberg Retires, Saturday Nights Main Event, Seth Rollons Injury, AEW ALL IN Texas and much more!

In 1996, former U.S. Marine Wes Bentley founded Far Reaching Ministries (FRM) after serving as a missionary in war-torn regions of Sudan, including Bahr El-Ghazal, Western Equatoria, the Nuba Mountains, and Southern Kordofan. By 1998, FRM expanded its efforts to South Sudanese refugee camps, primarily in Kiryandongo, Uganda, bringing hope to thousands of orphans and widows affected by the Lord's Resistance Army (LRA). Addressing physical, emotional, and spiritual needs, FRM became a beacon for those suffering from ethnic and religious cleansing.Today, FRM operates in 39 of the world's most dangerous nations, deploying over 500 team members to share the hope of Jesus, disciple believers, and intervene for those trapped in cycles of death, violence, and poverty under oppressive regimes.Committed to alleviating suffering, FRM rescues and rebuilds lives affected by Christian persecution, abduction, violence, rape, and war-induced humanitarian crises. The ministry provides essential aid, combats child sex trafficking and organ harvesting, and offers medical care, food, and shelter. More importantly, it introduces people to the love and hope found in Jesus Christ.FRM is also dedicated to planting underground churches, discipling believers, and equipping them to return to their communities as Gospel witnesses. Its frontline workers include military-embedded chaplains, pastors, doctors, and ministry leaders, all working to transform lives and nations for Christ.

Sonoma weekend has come and gone and it was domination by SVG on Sunday, notching his third Cup Series win of the season! We talk bracket busters (TY DILLON), ankle busters (Ty Gibbs on pit road) and last but not least, all about the battle between Zilisch and SVG on Saturday.We also touch on the latest legal drama in NASCAR, between NASCAR/23XI & FRM and RWR/LMC. There's a lot.

Charlie Marlow discusses the latest news in the NASCAR lawsuit with 23XI Racing & FRM getting denied a re-hearing & now they may lose their charters and have to run as open teams starting next week at Dover.#nascar #racing #charliemarlow ***thumbnail photos by Getty Images courtesy of NASCAR Media

Welcome back to another rendition of THE show of record talking records, SURFACE NOISE! For the latest feature presentation of our vinyl record vacation, our panelists discuss a perceived MoFi resurgence (and is it real), starting with the curation of titles from the more recent past, coupled with getting their own pressing plant up and running (Fidelity), is this the start of a rebirth of sorts? Frm there, the panel discuss "Sophomore Sucks": albums following great debuts that were pretty, pretty rough...or not tough enough. All this, ONLY on SURFACE NOISE - get some!  

Frank Melaccio, Vice President, Finance & Treasurer at Horizon Blue Cross Blue Shield of New Jersey, reveals how this mindset propelled his career from banking to executive leadership - and why it could do the same for you.Frank Melaccio is Vice President of Finance and Treasurer at Horizon Blue Cross Blue Shield of New Jersey, one of the United States' largest and oldest health insurers. With a career spanning banking, Big Four consulting, and health insurance, Frank brings a wealth of insight into strategic treasury, risk management, and the future of finance. He's also an adjunct professor at Hofstra University's Frank G. Zarb School of Business and a passionate advocate for continual learning and professional development.Frank holds an MBA in finance from Hofstra University and a BS in both finance and economics from Fordham University. He's also a Chartered Financial Analyst (CFA), Certified Public Accountant (CPA), and a Certified Financial Risk Manager (FRM).Main topics discussed:Franks career journey: from commuting into Manhattan and dreaming of Wall Street to rising through regional banks and transitioning to health insurance.Frank's move from consulting at PwC during the financial crisis to leading treasury at a health insurer.Building ORSA models and becoming Chief Risk Officer in response to regulatory changes.Franks thoughts on CTP, CFA, CPA, and FRM - how to choose the right one for your path.The importance of team building and how leadership evolves with responsibility.Leveraging AI, coding, RPA, and treasury management systems to modernize and streamline processes.How teaching derivatives and healthcare finance keeps Frank sharp and benefits his corporate leadership.The power of adaptability, planning your path, and the dangers of chasing money over opportunity.You can connect with Frank Melaccio on LinkedIn. ---

On this episode of FRM the Refs talk about what pisses them off about the wrestling Industry, the marks and promoters who run "Pay to Play" Shows. All that and a lot more! It's a ridiculus show, and we like it that way! Sit back and enjoy the insanity!

On this episode of FRM, Jim is in Philly, and they guys have no supervision. It's a beautiful trainwreck into the world of Wrestling! We talk ticket prices and VIP fan experiences!

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley, CFA, is joined by Ken Johnson, CFA, CAIA, FRM, Senior Managing Director and Chief Ratings Officer at AM Best. Together, they unpack AM Best's latest outlooks on the property & casualty and life insurance sectors—covering everything from macroeconomic uncertainty to the rise of private credit, offshore reinsurance, and how ratings methodology is adapting to today's dynamic insurance investment landscape.   Ken shares his take on the growing role of asset manager-owned insurers, the shift toward more complex ownership structures, and the increased reliance on less transparent asset classes. He also discusses AM Best's internal working groups and how they aim to strike a balance between robust capital modeling and fair treatment for insurers with evolving portfolio strategies. Whether you're a CIO, portfolio manager, or regulator, this discussion sheds light on how risk, regulation, and ratings intersect in today's market.

Front Row Motorsports Crew Chief Jon Leonard (7:45) join Davey Segal this week to discuss his new digs at FRM calling the shots for Chandler Smith on the No. 38. Leonard details how late things came together to even make the second FRM Truck Series entry happen, the thrash that ensued to get things ready for Daytona, why Chandler being involved in the hiring process for team members has made everyone closer and how nice it was to get a win early this season at Bristol Motor Speedway. Leonard also discusses his career as a crew chief, calling races for Leavine-Family Racing in the Cup Series for Kasey Kahne and Regan Smith, being promoted admittedly a little too quickly, learning on the fly, being a first-generation racer turned 14-year NASCAR veteran and more. Davey also reviews Austin Cindric's Talladega win, looks ahead to Texas and Papa Segal pays homage to one of the greatest of all-time in Formula 1.

Accenture, American Express, ASOS, EY, Four Seasons Hotels, Google, NBC Universal  are his clientsFrm Royal Air Force Senior Officer, Frm. International Negotiator for the UK Government,  executive coach. Google, Accenture, American Express His first book, 'Find Your Why: A Practical Guide for Discovering Purpose for You and Your Team', co-authored with Simon Sinek and David Mead. Peter gets up every day inspired to enable people to be extraordinary so that they can do extraordinary things. Collaborating with Simon Sinek for over 7 years, he was a founding Igniter and Implementation Specialist on the Start With Why team, teaching leaders and companies how to use the concept of Why."The first step is to distinguish leadership from management. “Management is about handling complexity,” explains Docker, while “leadership is about creating simplicity. It's about cutting through the noise, identifying what's really important, making it personal for people, bringing them together and connecting them.”  ~  Peter Docker in Venteur Magazine January 2023One of Peter's latest books, 'Leading from The Jumpseat: How to Create Extraordinary Opportunities by Handing Over Control'Peter's commercial and industry experience has been at the most senior levels in sectors including oil & gas, construction, mining, pharmaceuticals, banking, television, film, media, manufacturing and services - across more than 90 countries. His career has spanned professional pilot; leading an aviation training and standards organisation; teaching post-graduates at an international college; and running multi-billion dollar procurement projects. A former Royal Air Force senior officer, he has been a Force Commander during combat flying operations and has seen service across the world. He is a seasoned crisis manager, a former international negotiator for the UK Government and executive coach.© 2025 Building Abundant Success!!2025 All Rights ReservedJoin Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23bAmazon Music ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

On this episode of FRM we celebrate the birthday of longtime co-host Christopher Butt!

Front Row Motorsports crew chief Dylan Cappello joins Davey Segal (7:30) to discuss year two working with Layne Riggs in the CRAFTSMAN Truck Series, getting used to the No. 34 instead of the No. 38, how the 2025 season has gone so far and the stop/start nature of the Truck Series schedule. Cappello also discusses his relationship with Riggs, how Layne's father Scott has helped the team grow, which areas they're targeting for improvement and how adding a second full-time entry to the truck operation has changed things at FRM. Cappello also dives into his background as a racer growing up in Arizona, winning at The Bullring at Las Vegas a couple years ago, the decision to ultimately go down the engineering route instead of the driving one and the adjustment that entailed, winning a title at his home track in Phoenix in 2022, getting the promotion to crew chief and the challenges that have come along with that including being the "leader of men" for a race team and more. Davey also recaps Christopher Bell's third consecutive victory and the option tire in Phoenix, previews Las Vegas and Papa Segal pays homage to Suitcase Jake.

Guest: Bozi Tatarevic Parker, Joshua, and AJ talk all the latest breaking news in motorsports, with a bit of humor in a lighthearted version of the Money Lap show. Group Chat will be our weekly show for all members of the Money Lap team to discuss everything we already discuss in out text group chat! The trio explores the implications of the lawsuit, NASCAR's charter system, and the sport's evolving dynamics. The hosts' engaging banter and insightful analysis make for an entertaining and informative episode, keeping listeners hooked on the latest motorsports news. Leave us a voicemail! https://moneylap.com Timestamps: 00:00 - Intro 02:07 - Meet the Team 03:54 - YouTube Comments and Clickbait Discussion 07:40 - NASCAR Countersues Michael Jordan, 23XI, FRM, Curtis Polk 18:52 - NASCAR Penalties Issued To Austin Cindric 26:33 - NASCAR's Appeals Panel Overturns JGR's L2 Penalty 29:57 - Guest - Bozi Tatarevic 41:57 - Chase Briscoe's Points Situation 44:44 - Track Limits Discussion 46:03 - Using a Truck to Test Tech Pro Barriers 51:05 - What's Happening on Reddit - Denny Hamlin's Tweet 56:44 - NASCAR Twitter Account Hacked 1:01:34 - Henderson Motorsports: "Bruh" 1:03:06 - Phoenix Race Insights 1:06:11 - Jack Doohan's Seat Jeopardy 1:12:01 - TV Ratings Overview 1:13:05 - IndyCar Broadcast Contract 1:14:14 - Indy Next Racing 1:15:01 - Indy Lights Race Memory 1:20:13 - E-Scooter Championship 1:23:38 - Outro (Timestamps are a rough timing and may require a little scrubbing to find the start of the topic) With over 1100 unique products currently in stock, Spoiler Diecast boasts one of the largest inventories in the industry. We are NASCAR focused, offering a wide range of diecast and apparel options. But that's not all. We've expanded our catalog to include diecast for dirt/sprint cars, Indycar, and F1. As passionate racing fans ourselves, we're constantly growing our offerings to cater to different forms of racing. Use promo code "moneylap" for free shipping and 5% off all orders. https://www.spoilerdiecast.com/ The Money Lap is the ultimate motorsport show (not a podcast) with Parker Kligerman and Landon Cassill professional racecar drivers and hilarious hosts taking you through the world of motorsports. Covering NASCAR, F1, Indycar, and more, they'll provide the scoop, gossip, laughs, and stories from the racing biz. Make sure to subscribe, review and follow us for the coolest stuff in motorsports https://www.instagram.com/themoneylap https://x.com/themoneylap https://www.tiktok.com/@themoneylap Copyright Pixel Racing, LLC 2025

COTA brought the heat with a four driver duel for supremacy and a whole lotta full body contact. The heat also came down Wednesday when NASCAR delivered a 50 point penalty on Austin Cindric, 100 points back to Chase Briscoe, and countersued 23XI, FRM, and Curtis Polk. Add to that the Phoenix race will have the option tire. Visit the Daily Downforce at dailydownforce.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Continuing on our with our 2025 investment themes, Rich Excell CFA, CMT digs into the fixed income market with two excellent guests: Elizabeth Henderson, CFA the Head of Fixed Income for AAM and Anthony Woodside, CFA, FRM, the Head of Investment Strategy & Head of Multisector Fixed Income at LGIM America

Find the Pioneer National Agronomy Summary Book, and other agronomy resources at this website: https://www.pioneer.com/us/agronomy-science.html?cid=mkch:eml_mktp:3pe_ctry:us_brnd:phi_agny:IHA_mkdv:pd_objv:awe_audn:Frm_prct:SED_cpid:cpn3086_cpno:110887_cpds:PioneerAgronomyBooklet_cpky:36001_crdc:TSK25621_#anchor_1

Crew Chief Drew Blickensderfer joins Davey Segal (5:10) ahead of the 2025 season to discuss why now was the right time for him to return for his second stint at Front Row Motorsports, his faith in Noah Gragson, what FRM's alliance with Team Penske really means and what's changed at the team since his departure. Blickensderfer also reminisces on his two Daytona 500 victories, starting off his career winning his first two races as a shot caller with Matt Kenseth, why Carl Edwards stands out among the 18+ drivers he's worked with in his career, his background as a walk-on Division I wrestler at Indiana, why he enjoys being the "head coach" of sorts and more, including his real name and legitimate goals for the 2025 season. Papa Segal pays homage to Alvin Hawkins, NASCAR's first flagman, as the season approaches.

The Cup Series was the top motorsport on TV in 2024 - but how do the NASCAR ratings compare to a decade ago? We've got the numbers...and they are interesting. Plus - Zane Smith moves to FRM, the latest NASCAR News, and more!The Rundown:- The Clash gets a title sponsor- NASCAR is non-committal on Chicago after this year- MBM's 'perfect fit' for the 500 is a driver that hasn't raced Cup in a decade- Zane Smith completes the Spire-FRM driver swap- FRM officially gets a Stewart-Haas Charter- NASCAR 2024 Ratings - compared to 2014- NASCAR controlling more content in 2025Find the latest episodes at InTheDraftShow.com, follow on Twitter and Instagram @InTheDraftShow – and like the show on Facebook at facebook.com/InTheDraftShowThanks for listening!

Checo Perez has been released by Red Bull and replaced by Liam Lawson. Isack Hadjar is likely to become the second driver at Toro Rosso after finishing 5th or 6th last year in the RB driver development program. Valtteri Bottas is returning to Mercedes as their reserve driver. In other F1 news, 23XI and FRM have won a preliminary injunction to keep their charters and access SHR charters for sale. In NASCAR, Conor Daly is announced as the driver of the 77 for Juncos-Hollinger, while Faux has released the TV schedule for IndyCar and Indy NXT. Sophia Floresch has secured an Indy NXT ride with HMD, and Ford M-Sport has announced drivers for the 2025 WRC. Jack Beckman will be a full season driver for Peak funny car. In NFL Week 15, the focus is on real teams and fantasy. The NASCAR Cup Series Season Review addresses how Joey Logano finished 16th in points but won his 3rd title, Hendrick and Gibbs' usual dominance, Ford's struggles, and SHR's closure. Hocevar wins ROTY despite hitting everything but the lottery. Other noteworthy topics include the Gen 7 car and TV changes in 2025. The episode concludes with Josh's Sim Segment.

NASCAR strikes once more against 23XI and FRM in the lawsuit - we talk about how their tough language is a great setup for the injunction that will come just a week or so later. Plus - the West Coast HOF runs short of candidates, practice sessions next year - and more!The Rundown:- NASCAR News:- Team Announcements- The West Coast Racing HOF - with some interesting new people- NASCAR Lawsuit - NASCAR tries to get tough, but just proves 23XI's point- More practice for 2025Find the latest episodes at InTheDraftShow.com, follow on Twitter and Instagram @InTheDraftShow – and like the show on Facebook at facebook.com/InTheDraftShowThanks for listening!

It is the most wonderful time of the year! The time where we give out fake trophies to the most interesting, strangest, and sometimes annoying drivers and stories of the NASCAR season! Plus - 23XI/FRM score a big win in court with a Charter injunction.The Rundown:- The 2024 ITD Awards Part 1:- Silly Season, The Wally Dallenbach Award, Driver Confrontations, and more- NASCAR News:- 23XI and FRM get a big win with an Injunction - and an even bigger win with an opinion that NASCAR does have monopoly power- The 2024 ITD Awards Part 2:- Small Team Drama, Win and Driver of the Year, the Gary B Carpenter Award for Not Showing UpFind the latest episodes at InTheDraftShow.com, follow on Twitter and Instagram @InTheDraftShow – and like the show on Facebook at facebook.com/InTheDraftShowThanks for listening!

And you thought NASCAR was going to be nice? No way. Exclusivity agreements, witholding Charters - the gloves are predictably off in the 23XI/FRM lawsuit. Plus - multiple teams are making off-season moves behind the scenes. The Rundown:- NASCAR Lawsuit Update:- 23XI and FRM file an updated injunction- NASCAR says that the teams are simply bad at making deals, and nobody complained about their exclusivity agreements with tracks before, so that makes it not a big deal- NASCAR witholding SHR Charters from both 23XI and FRM- Tony Stewart calls Charters a joke on his way out the door- JGR, Kaulig and Spire make moves in the garage- Trackhouse and RCR bringing in guest drivers for 2025- Sponsor NewsFind the latest episodes at InTheDraftShow.com, follow on Twitter and Instagram @InTheDraftShow – and like the show on Facebook at facebook.com/InTheDraftShowThanks for listening!

Frm Royal Air Force Senior Officer, Frm. International Negotiator for the UK Government,  executive coach. Google, Accenture, American Express His first book, 'Find Your Why: A Practical Guide for Discovering Purpose for You and Your Team', co-authored with Simon Sinek and David Mead. Peter gets up every day inspired to enable people to be extraordinary so that they can do extraordinary things. Collaborating with Simon Sinek for over 7 years, he was a founding Igniter and Implementation Specialist on the Start With Why team, teaching leaders and companies how to use the concept of Why."The first step is to distinguish leadership from management. “Management is about handling complexity,” explains Docker, while “leadership is about creating simplicity. It's about cutting through the noise, identifying what's really important, making it personal for people, bringing them together and connecting them.”  ~  Peter Docker in Venteur Magazine January 2023Peter's latest book, 'Leading from The Jumpseat: How to Create Extraordinary Opportunities by Handing Over Control'Peter's commercial and industry experience has been at the most senior levels in sectors including oil & gas, construction, mining, pharmaceuticals, banking, television, film, media, manufacturing and services - across more than 90 countries. His career has spanned professional pilot; leading an aviation training and standards organisation; teaching post-graduates at an international college; and running multi-billion dollar procurement projects. A former Royal Air Force senior officer, he has been a Force Commander during combat flying operations and has seen service across the world. He is a seasoned crisis manager, a former international negotiator for the UK Government and executive coach. © 2024 Building Abundant Success!!2024 All Rights ReservedJoin Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23bAmazon Music ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

On this episode of FRM we discuss Britt Baker and Adam Cole Break up News, Pro Wrestling at a Nursing Home, WWE, AEW Notes and Much More!

ถ้าทรัมป์มา อเมริกาดีแน่นอน - The Investo 29/10/67   The Investo คุยเคลียร์ข่าว ให้เข้าใจทุกการลงทุน กับ Naomi    วิเคราะห์นโยบาย ทรัมป์ เตรียมรับมือ สงครามการค้ารอบใหม่   แขกรับเชิญ คุณสุวัฒน์ สินสาฎก CFA, FRM, ERP รองประธานเจ้าหน้าที่บริหาร สายงานธุรกิจหลักทรัพย์ลูกค้าสถาบัน บริษัทหลักทรัพย์ บียอนด์ จำกัด (มหาชน) BYD   Naomi ดำเนินรายการ   รายการ The Investo กับ Naomi  วิเคราะห์เจาะลึกข่าวสำคัญในแต่ละวัน กับผู้เชี่ยวชาญในด้านต่างๆ ทั้งเศรษฐกิจ การเงิน และการลงทุน   คุยเคลียร์ข่าว ให้เข้าใจทุกการลงทุน กับ Naomi ที่ Facebook และ YouTube Finnomena ทุกวันจันทร์ - พฤหัสบดี   --- ติดตามช่องทางอื่น ๆ ของ Finnomena  Website https://www.finnomena.com   Facebook   / finnomena     IG   / finnomena     Twitter https://x.com/finnomena   TikTok   / finnomena     ดาวน์โหลดแอป Finnomena หรือเปิดบัญชีกับ Finnomena คลิกเลย https://finno.me/finnomenaliveyt  ติดตามทุกโอกาสการลงทุน Finnomena Opphub https://finno.me/fcins   #จีน #เศรษฐกิจ #BRICS #การลงทุน #TheInvesto #Finnomena

In one week, Joey Logano goes from being eliminated from the playoffs, to making the Championship Race. We talk about Joey's amazing turn of events, then discuss the latest in the NASCAR Lawsuit, and Frankie Muniz running full-time in the Truck Series, along with out Paint Scheme Preview and Picks for Homestead!The Rundown:- Las Vegas: Joey's fuel strategy takes him to the Championship race, one week after being eliminated from the playoffs- Was Ryan Blaney blocking for his teammate? Spoiler alert - no.- Vegas Ratings- The NASCAR Playoff Picture: Vegas splits the field in half- NASCAR News- The Lawsuit - NASCAR claims that their ultimatum was simply a result of 23XI and FRM's inability  to negotiate effectively. Because that makes sense.- Frankie Muniz coming to the truck series - but is his ride good enough? And is NASCAR missing an opportunity?- Teresa Earnhardt selling more of the legacy- Driver and Sponsor News- Homestead! Our Paint Scheme Preview and PicksFind the latest episodes at InTheDraftShow.com, follow on Twitter and Instagram @InTheDraftShow – and like the show on Facebook at facebook.com/InTheDraftShowThanks for listening!

The third round of the NASCAR Playoffs kicks off in Vegas, but the antitrust lawsuit is getting just as much attention, as NASCAR tries to exclude 23XI and FRM from being Charter teams next season. We discuss the battle lines that have been drawn, along with the latest NASCAR News, and our Paint Scheme Preview and Picks for Vegas.The Rundown:- The ROVAL - Larson wins what looked like an Intermediate Track race, outside of a few controversial corners- Alex Bowman disqualified - how does Hendrick make such a big mistake?- Drivers eliminated from the Round of 12 - why are the Playoff drivers racing so poorly as a group?- The Round of 8 - our analysis- NASCAR News:- 23XI/FRM Lawsuit - NASCAR says it isn't a valid case, because...reasons- JGR data espionage - will NASCAR do anything? Another case where there is no real rule- Hailie Deegan moving to open wheel - why it may be the right call- Sponsor News- Las Vegas! Our Paint Scheme Preview, and Picks for the race, and the Playoff round - who will make it to the Championship in Phoenix?Find the latest episodes at InTheDraftShow.com, follow on Twitter and Instagram @InTheDraftShow – and like the show on Facebook at facebook.com/InTheDraftShowThanks for listening!

23XI and Front Row Motorsports start what could be the biggest story in NASCAR history by filing their anti-trust lawsuit. We discuss why, and what might happen, along with some very interesting information in the case. Plus - NASCAR News, and our Paint Scheme Preview and Picks for Talladega!The Rundown:- Kansas: Ross Chastain wins, Kyle Busch's luck gets even worse- Decent racing- Kansas ratings- Playoff Picture- NASCAR Lawsuit - we break down the entire case filing (yep - we read the whole thing) - talk about some surprises in the case, then discuss why 23XI and FRM are suing, and how it might all play out- Aero Changes for Talladega- Teams aren't big on YouTube- Driver and Sponsor News- Talladega! Our Paint Scheme Preview and PicksFind the latest episodes at InTheDraftShow.com, follow on Twitter and Instagram @InTheDraftShow – and like the show on Facebook at facebook.com/InTheDraftShowThanks for listening!

We talk with Wojtek Buczynski about whether AI will live up to its hype, AI regulation around the world, the use cases of AI in financial services, and whether general artificial intelligence is possible. Wojtek is a consultant, speaker, and AI researcher specializing in AI regulations and use cases. He was an early advocate of AI at Fidelity International, and ran a team at EY specializing in AI adoption in financial services. He is a Ph.D. candidate with Cambridge University, a CFA charter-holder, and the carries the FRM designation. What Wojtek is Reading Right Now: Scarcity: Why Having Too Little Means So Much by Eldar Shafir Wojtek's Music Recommendation: anything with rhythm, rhyme, female vocals, and profanity Connect with Wojtek: LinkedIn Read More from Wojtek: on Enterprising Investor and LinkedIn   ____ Get updated when new episodes release by joining our list: https://bit.ly/4dwwTgD Connect with CFA Society Dallas/Fort Worth: LinkedIn | Instagram| www.cfasociety.org/dallasfortworth  

On this episode of FRM we duscuss WWE Latest, Tony Khan lack of storytelling, and much more!

We've already had more inflation in this young 2020s decade than the entire 2010s. If the next forty years have as much inflation as the last forty, gas will cost $13.38 per gallon, the average home $1.88 million, and the average rent $59,000 annually.  Inflation impoverishes most people. You can profit from it 3 ways at the same time. Watch the free 3-part video series: GetRichEducation.com/TripleCrown.  The 30-year fixed rate mortgage is a uniquely American construct. It virtually exists nowhere else in the world. I compare this to mortgage terms in Europe, Canada and Australia.  In much of the world, homeowners have had their mortgage payments double overnight! Trends that won't soon be disrupted: more inflation, people need to live somewhere, there aren't enough places to live. That's so simple! Invest in it. Rents are increasing the most where little new supply has been added. There's a myth that gigantic institutional investors are gobbling up all the single-family rental homes. But they only own 3% of the market. Mom & pops own 80%. Single-family rents are up 3.4% per CoreLogic. Detached SFHs are up more than attached types. Property prices and rents are positively correlated. Some people falsely think that they move inversely. Resources mentioned: Profit from inflation 3 ways: GetRichEducation.com/TripleCrown For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.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 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Welcome to GRE! I'm your host, Keith Weinhold. Learn how the misery of INFLATION is altering BOTH your quality of life and the return on ALL of your investments… … also, many people are now having their mortgage payments DOUBLE overnight and IT'S creating pain, then, what are the factors affecting the future direction of RENTS - all that, and more, today on Get Rich Education!  ______________   Welcome to GRE! You're listening to one of the longest-running and most listened-to shows on real estate investing. This is Get Rich Education. I'm your host, Keith Weinhold - the voice of RE since 2014.   I don't know if you fully realize how much inflation is steering all of your investments - and it's emphatic at a time like this when the dollar is down 25% cumulatively just in the last four years. Gosh!   And I've got some jaw-dropping inflation fact to share with you soon.    We'll get to inflation's RE affects shortly. But here's what I mean.    In stocks, they keep riding up on a wave of optimism, anticipating a Fed interest rate cut - largely due to future INFLATION expectations. Yes, there's jobs & GDP and some other factors.   But the stock market - which is a FORWARD-looking market - it moves based on what's expected to happen 6 to 12 months from now.    STOCK investors know that rate cuts open the floodgates to get us closer to the “easy money” days again.    That's why - as backwards as it is, the worse the economy looks, the lower that inflation tends to be, and then, in turn, the lower that interest rates can go, which the stock market likes.   So a worsening economy often pumps up the stock market. Soooo backwards.    Just look at what happens historically. Recessions sound bad. Yet what happens is that rates get cut in a recession - because the economy needs the help.    But nearer-term, it's this ongoing expectation of the rate cut - that's been looming out there for months but hasn't happened - which CAN keep propelling the stock market to higher highs. It's already hit all-time highs here recently. You can make the CASE that stocks should keep floating higher from here… based on that premise.   Before we look at real estate & inflation. Understand this.    Inflation has already widened the divide between the affluent and the deprived. That divide has gone from a gully to a canyon.   But... my gosh! Here's the stat that I want to share with you. And you're really going to get a sense for the gravity of what you're living through this decade.   We've already seen more inflation in the first 51 months of the 2020s decade than in the ENTIRE decade of the 2010s. Already.   This gets really interesting. Let's look at about the last four decades here.    Alright, in the 1990s decade, America had 34% cumulative inflation. Let's go ahead and… we'll associate this decade with President Bill Clinton.    We won't tie any President to the inflation number because there are lag effects and other factors. A President really can't take the credit or blame, in most cases. Just marking the era here.   So, 34% inflation in the 1990s.    The 2000s decade saw the GFC and… 29% inflation. Most of those were George W. Bush years.   The 2010s decade saw lower inflation → Just 19%. So that's under 2% a year. These were mostly the Obama years here in the 2010s.    Little flex there from the former Commander in Chief.   Then the 2020s decade → have seen, like I alluded to, and under Joseph Robinette Biden, Jr. - yes, as the oldest sitting president ever, it's easy to forget that he's a “junior. In this young 2020s decade, we have, 21% cumulative inflation. Already.   So this figure is after just the first 51 months of this decade, if we're counting from 2020… and this is largely due to supply shortages from the COVID pandemic.    So 21% ALREADY this decade… and just 19% ALLLL of last decade which was a full decade. That's the impact.    That's reflective of what you see in home prices and rent prices and utilities, transportation, labor, and almost every facet of your life.… and what you see in your weekly Costco bill and Trader Joe's bill.    Who have we left out here? A one-term president, so far? Does somebody feel left out.    Yes, that is the actual person of one Donald John Trump.   Psssshhh!   All of those figures I cited are from the BLS, and I've been rounding to nearest whole percent.   But get this! Inflation over the next forty years could make the LAST 40 years seem like a picnic.    That's partly because we're $35T in debt and that figure now grows by $1T every single quarter… every 90 to 100 days. So we MUST keep dollar-printing to help pay it back.   But just, if the last forty years repeats itself, by the year 2064, which is the next forty years, we'll see these prices. Prepare for a future that looks like this: Gas at $13.38 per gallon The home price at $1.88 million Average rent at $59,000 per year And the average salary at $104,000 That is if inflation over the next 40 years, looks like that last 40 years. Also, note how salaries don't keep pace with prices. That $104K average salary in the year 2064 doesn't sound as high-flying as those other figures.   Well, this is all really frustrating for consumers… and even debilitating to one's standard of living. Remember, this latest wave of inflation brought us the biggest YOY increase in homelessness - based on HUD figures.   and why you need to invest in something that reliably BENEFITS from inflation and pays you an income at the same time.    Look, here's really, the deal. Dollars are abundant. So then isn't it a paradox that a major spike in the supply of dollars would create more homelessness?   Well, you know that dollars are there for your taking - because so many more have been brought into existence. Dollars are abundant. So as they cycle through the economy, rather than going through the consumer motions, you can build your diverter. That's where the world of abundance exists, so get into that flow.   Ultimately, REAL capital is scarce. Your time and energy are scarce. Natural resources are scarce. Labor is scarce.   What's frustrating is that money ought to reflect that scarcity if it is going to accurately convey the value that enables people to make capital accumulation decisions.    And alas, we're doing our measuring in dollars and the dollar is not remotely scarce.   The middle class and poor often have wages that don't track inflation, yet they disproportionately suffer the higher consumer prices.   The investor class owns assets that float up with inflation. And GRE listeners will do even better than that.   As income property owners with mortgages, we're winning three ways at the same time with the Inflation Triple Crown. That's your dollar diverter.   Alright, so that's longer-term inflation. I've been talking in terms of decades - both the past and with an extrapolation into the future to 2064 there - and it's really rather sobering.   Well, what's the more CURRENT inflation situation? The situationship? Ha! What's the situationship now?   In trying to quiet it down to their 2% target, the Fed has run into so many hurdles that you'd think they were training for this summer's Olympics in Paris.   After it peaked over 9% two full years ago now, inflation's been bouncing near 3-and-a-half-percent for a year and they just keep having trouble getting it lower than that.   Hmmm... would we say that this could turn into Jerome Powell's three-quarters life crisis? We'll see.   Rising inflation is one of the key factors that brought down the Roman Empire. They famously experienced hyperinflation after a series of emperors lowered the silver content of their currency, called the denarius.    Today, some lament that the dollar isn't backed by gold, silver, or anything else.   But it is.   It's backed by the world's most powerful military, strongest economy, reserve currency status, international trade agreements, and you also… must pay your taxes in dollars.    Dollars are still liquid and useful… but perpetually debased, so get them and then transition out of them.    Yet, at the same time, we're also the greatest debtor nation in world history. The easiest way to pay it all back is to simply print more and inflate more.   So that's why it's almost inevitable that dollars will keep being worth less... and BTW, the two words “worth less” sound awfully close to the word “worthless”. Ha!    That's where we keep heading.   Until you can send a Venmo request to the Fed to compensate you for your loss in purchasing power, we need to actually do something about this.    And the dollar that you had when you started listening to me today could very well now only be worth 99 cents. Ha!   We can either have our standard of living degraded by inflation or we will decide to profit from it.   So, if you haven't yet, check out GetRichEducation.com/TripleCrown.   Rather than impoverish you, learn how you can make inflation CREATE wealth for you three ways at the same time with that free, 3-part Inflation Triple Crown video series. Good learning there.   It's free & easy to watch, again, at GetRichEducation.com/TripleCrown   Inflation seemingly seeps into everything.   Inflation took down the commercial sector - Apt buildings & offices. Apts are down 30-40% in the last two years. It's all because inflation made the Fed panic and jack up those rates.   If that's not jaw-dropping enough. Office values are down 80%+ in the last two years. 80%+, 90%+ in some cases.    Of course, office RE got the double-whammy of the inflation-induced interest rate hikes AND the Work-From-Anywhere movement.   That leaves residential 1-4 unit properties in good standing - and still impacted by inflation, but LESS impacted by inflation.    Yeah, your 1-4 unit RENTS are up - and I'll talk more about rent later in the show today.    inflation also jacked up your expenses like insurance, utilities, maintenance & repair cost and more.   But as we move away from the inflation conversation now, of course, one big reason that 1-4s have stayed resilient is the American privilege of LTFIRD - and the fact that it's 30 years for most US properties.   In fact, in 2022, 89% of homebuyers applied for the 30-year.   I think that you're about to get more appreciation for this… perhaps than you've ever had.   The 30-year FRM is a UNIQUELY American construct.    And, BTW, some people don't seem to know what the word “unique” means. You've probably heard people misusing this word all the time.   Unique does not mean something that's sort of different.    Unique means “ONE of a kind”. Unique means something that does not exist ANYWHERE else.    What do I do here on this show? Besides giving you the occasional geography lesson as a side dish to your real estate, I do this with vocabulary, grammar, and syntax as well, don't I?    Even though my own is surely imperfect.   Anyway, the reason that the 30-year mortgage can exist is due to our deep financial markets - especially our secondary market for mortgage-backed securities, where your loan gets packaged up and purchased by a bond investor - a bit like Ridge Lending Group President Caeli Ridge & I touched on last week.   The reason that mortgage-backed securities are attractive to investors in the U.S. and across the globe is because their government sponsorship makes them safe investments over long periods of time. They also provide a fixed payout to the MBS holder.   And see, the rate on the 30-year fixed-rate mortgage tracks closely to 10-year Treasurys because “U.S. real estate is almost as good an investment as a U.S. Treasury bond.”   They've got Fannie & Freddie insurance.   And that entire MBS process now has more guardrails in it than we had before the Global Financial Crisis.   We're talking about the foundation here - really - of where you get your big lumps of money from - the 30-year FRM and its uniqueness.   Compared to the world, the US has very little variable rate debt.    Less than 4% of American mortgage borrowers have debt that's on rate terms of a year or less. Over 96% of US debt is LTFRD, defined as 10 years or more.   That is virtually unparalleled worldwide. To compare us to some other developed nations, mortgage borrowers in Germany - just 47% of them have long-term fixed debt - and none of them can get 30-year debt.   Long-term debt, again, defined as ten years or more,  Is little to ZILCH for mortgage borrowers in Canada, the UK, Ireland, Italy, Sweden, Finland, Australia, and other developed nations like them.   In Canada, the most common mortgage terms reset to the prevailing market interest rate every five years.    In Finland, their mortgages reset annually or faster. Gosh, can you imagine if your mortgage rate reset every year like it does for the Finns?   Sheesh, that's more often than some people lose the remote control or rearrange their furniture.   OK. So what's this really mean?   Ya gotta… pour one out for most mortgage borrowers in the rest of the world.   They can't lock in their mortgage interest rate for the long-term. So with rates doubling or tripling, starting from 3 years ago, it's totally ruined a lot of foreign homeowners.   Look, what if you're middle class and your monthly mortgage payment soars from $1,893 on Tuesday up to $3,415 on Wednesday?   That's what's happening elsewhere. It can go up 50% overnight and nearly double overnight in Australia, Europe and elsewhere.   But in the mortgage-advantaged US, we're safe.   If we buy at an 8% mortgage rate on a 30-year fixed amortizing loan today—just the plain, vanilla loan: If rates rise to 10% later, you're happy to be locked-in at 8% If rates fall to 6% later, you'll refinance Note that I refrain from saying "just refinance". I don't like the word "just". You'll still need hours to provide documentation and your credit score will be checked. But it's worth it.   You won't “just refinance”. Ha! You'll refinance.   So think of it this way then, you can alter your deal with the bank whenever you want—and usually with no prepayment penalty. Yet the bank can't alter it on you.   What did Darth Vader say to Lando Calrissian in the “Empire Strikes Back?”. I am altering the deal, pray that I don't alter it any further.    Ha! We better not play that clip here. I don't know the copyright laws with LucasFilm or Disney there. Ha!   But you're not a dark lord of the Sith for doing it… for altering the deal on the bank. You're playing within the rules.    This is almost an unfair advantage for Americans.   The bottom line here - with this unique American advantage, is that, as rates change, you get to play both sides of the game. And that's why we add smart properties with loans.    We turn that into wealth, with compound LEVERAGE.    Now, mere compound interest, that's a vehicle for you to rely on more for your shorter-term funds, your cash or what you're keeping more liquid.   Long-term wealth is build through compound LEVERAGE.   Short-term funds - that's for compound INTEREST.   And… your bank is getting rich off of YOU. The national average bank account pays less than 1% on your savings. If your money isn't making about 4-5% today, you're losing your hard-earned cash to inflation.  What I do, is keep my dollars in a private LIQUIDITY FUND. You can do this too. Your cash generates up to an 8% return with—COMPOUND INTEREST—year in and year out instead of earning less than 1% sitting in your bank account - or even 4-5% elsewhere. The minimum investment is just $25K. You keep getting paid until you decide you want your money back. This private LIQUIDITY FUND has a decade-plus track record - and they've always paid their investors 100% in full and on time. I would know… because, I'm an investor with them myself. See what it feels like to earn 8%. A lot of other GRE listeners are. To learn more, just text the word FAMILY to 66866 to learn more about Freedom Family Investments' LIQUIDITY FUND. Get 8% interest! Just do it right now, while you're thinking about it. Text FAMILY to 66866.   More straight ahead, including what's happening with rents. I'm Keith Weinhold. You're listening to Get Rich Education. _____________   Welcome back… you're listening to Episode 503 of Get Rich Education. I'm your host, Keith Weinhold.   We've got a poll result, from our Get Rich Education Instagram Page.    The poll question was simple. “When buying property, what's more important?”    The purchase price or the mortgage rate.   71% of you said the purchase price. 29% of you said the mortgage rate.    Of course, both are important, but I think that the PURCHASE PRICE is the best answer - because your purchase price stays fixed for the life of your ownership period, and you can CHANGE your fixed mortgage rate and make it malleable… whenever it suits your needs.   As we talk about where the OPPORTUNITY is today, though multifamily apartments are going to bottom out sometime and therefore, at some point, they'll make a wise investment - who REALLY knows - maybe the time for larger apartments is now…   … one opportunity is… giving good people OPTIONS during a housing affordability crisis.   And what's going on right now is that… let me put it this way… when people have a hard time affording their own home today, basically (ha!) people are having a hard time transitioning from resenting their landlord to bickering with an HOA.    Ha! That's kind of how the world works.   Seemingly everyone would rather be bickering with an HOA rather than resenting their landlord.    A lot of renters want to be buyers… they can't… and that isn't expected to change anytime soon… as prices will likely stay elevated… and mortgage rates are staying higher, longer too.   These things are ALMOST “knowns”. It's often wise… to invest in trends that are known. Nothing's completely predictable, but when you're looking for a place to park your investment dollars, a few other things… are known… right now.   And AI is not expected to change what I'm about to tell you… anytime soon.   VR - virtual reality is not about to change what I'm about to tell you anytime soon.   AR - augmented reality isn't either. Machine learning won't imminently disrupt this.   And that is, that… everyone expects more long-term inflation. At what rate, no one knows.   People will need to live somewhere… and there are not enough places to live.   Those three facts, right there, are so simple. I love simple. Ha! One reason I love simple things is that I can remember it.    So many investors - investors in all types of things, say, from tech EFTs to junior mining stocks to crypto - you can make money there.   But, at times, investors will unnecessarily go out on the risk curve and GUESS and speculate… at a future trend.    Some are right. They're often wrong, and adopting too much of that approach… that's exactly when your risk-adjusted return goes down throughout your investor life.   Instead, you can get great returns - real estate pays 5 ways-type of returns - in these trends that I just described that are near certainties.   Why guess? When instead, you can almost be certain.   Often times, the certain thing is right… there.    It's often easier, like I think I brought up on the show once before, inspired by Jeff Bezos - don't ask what will change in 10 years.    The more insightful question and profitable question that fewer people think to ask is actually - “What will be the SAME in ten years?”   Well, when we talk about rents and the fact that tenants WILL keep paying you to live somewhere ten years from now, the trend that's taking place here in the mid-20s decade - here in the mid 2020s, is that… Rents are increasing the most where there hasn't been enough new supply added - up 5-6% in parts of the Northeast including New York and Boston - Seattle too… and parts of the Midwest. Detroit and Honolulu rents are each up about 5%.   Rents are decreasing the least, and even declined - where they've added lots of new supply recently, like Austin, Texas and Miami, where they're down 3% or more in each. New Orleans is another major city that's down - at minus 1%.    But among the larger cities, Austin, Texas is the WORST performer in the nation right now.   If you're listening to this either this week or you're listening to this ten years from today, if you want to know future rent trends, look at where they're adding supply.   Especially in apartments. But all these new apartments will fill up and nationally, they're building fewer apartments this year than last year's apartment-building boom.   When we talk about rents and who owns SINGLE-FAMILY HOMES, there are a few myths that I want to help bust for you here.   There seems to be this misconception or misinformation that GIANT Wall Street firms are buying up all the SFRs. That's just not true.    Now, there is more participation from the big firms than there has been historically, but those that own 1 to 9 SFRs… which is our definition of mom & pop investors here… constitute 80% of the SFR market.   80% own one to nine units. Now, you might own more than 9.    In fact, 14% are in that next tier up, owning 10 to 99 SFRs. Then 3% - known as small national investors own between a hundred and a thousand.   And, what's left, the big institutional investors - those that own 1,000+ SFRs - and you've heard of some of these companies - Invitation Homes, and another is American Homes 4 Rent.    Progress Residential, Blackstone, First Key Homes  - all those big players own just 3% of the market.   So again, 80% are the small ones - the mom & pops… a highly fractured market.   There are a total of 82 million SFHs in the United States. Out of all of them, do you have any idea what percent are OOed and how many are rentals?   It's 83% OOed and 17% of the single-families are rentals. So about one-sixth of SFHs are rented out.   Now, here's the thing. Some people tend to think of mom and pop single-family rental operators as unsophisticated charity case workers who never raise rents.    That's part of the perception out there.    But that narrative has never really been true, and, in fact, the COO of American Homes 4 Rent - his name's Bryan Smith - recently brought up this key point on their recent earnings call.   He said that while historically mom and pops hadn't always priced directly to market because of a lack of market data, "they've migrated into a strategy that's closer to ours."   How is this and why is this? Anymore, why ARE mom & pops raising rents just about as aggressively as the big institutional players.    It's really increased transparency on the rents that landlords are asking… through internet listing sites like Zillow.    It's not that mom and pops didn't increase rents before. (I mean… just look at what happened with rising rents in the 1970s and 80s before institutions were in the sector.)    But when there's a lack of rent amount transparency, it takes longer for operators to discover and adjust to market pricing-- especially for smaller players in a deeply fragmented market.    That's the part that's changing.   But see, increased transparency works both ways. It's good for you and bad for you as a property investor.   This information helps tenants too. In upswing markets, operators may push rents faster than they would otherwise.    But in a downswing market, operators may cut or keep rents flat faster in order to lease the unit.    Because tenants can easily see what other LLs are charging and compare features. When you price too high, units sit vacant and generate no income.   Since renters benefit from increased transparency too, if they see two similar homes, they're usually picking the better deal.   And increased transparency is why NEW lease rent growth is cooling off.    In fact, CoreLogic just released their latest SF Rent Index report last week. It showed that, nationally rents are up 3.4%, which coincidentally, happens to be the same as the latest CPI inflation number.   Detached properties are seeing more rent growth than ATTACHED ones - like townhomes. If you think about it, that makes sense. Townhomes are in less demand now.   Because the homeownership dream, is when one moves out of the apartment & buys a detached house.    And since that's so unaffordable to buy here in the 2020s decade, that's why more people are willing to pay more for to rent the detached type.   Note that SFR rent growth has moderated since mortgage rates spiked-- further dispelling the sticky myth that rents boom when home sales fall.   Remember - when homes price growth is really hot - like it was in 2021 and 2022 - near 15% - rent growth tends to be hot too. It was ALSO near 15%.   And when home price growth is moderate, like it is now, well, rent price growth is moderate too.   Prices and rents move together. They're POSITIVELY correlated. Some people think they move inversely… and we're looking at history over hunches again - what REALLY happens here.   So though you're almost certainly going to get nominal rent growth over time, it's not a good thing for you to count on it in the short-term - it NEVER is, in any era.   The time for you to push rents is, of course, in any market, when you go for NEW leases. A new lease with a new tenant is going to be higher than a renewal lease.   It's the ol' - this has been a good tenant for three years, so I don't want to push the rent too hard & lose them.    To review what you've learned today, inflation is affecting ALL of your investments, 30-year FRMs are a UNIQUE American advantage…   …it's wise to invest in future trends that are KNOWN, if you want to know what is going to happen with rents in the near future, look where they've added supply.    Less new supply correlates with more rent growth… and large institutional investors own just 3% of SFRs.    If you enjoy the show, please, tell a friend about it.   Isaiah on LI had the most flattering comment. Over there, he wrote and called GRE “The best podcast on the planet.”    I… really don't think that I can take credit for that, though… I'd like to think we're a good resource for building your wealth through REI and regularly informing you, giving you ideas that you've never thought about before that add real value to your life.   You've heard of Bidenomics. The first portmanteau type that I ever heard about a President's economic policies is REAGANomics, though it was a little before my time.    Here on the show next week, with us, will be none other than “The Father of Reaganomics”.    Yes, late President RONALD REAGAN'S Budget Director will be here next week. Basically, he was Reagan's “Money Guy”.    His name is David Stockman and he often met with the President in the Oval Office, advising Reagan on economic affairs.   I have asked David Stockman, if besides talking about the condition of today's economy next week, he'll also discuss real estate - and he agreed to do so.    That's “The Father of Reaganomics”. You can look forward to he & I together next week here on the show.   You might be one of the listeners that's been here every single week since 2014 - just like I've been here for you.     A new podcast is published every Monday. If you want more our DQYD E-mail Letter is published and sent about weekly, that's typically been on Thursdays lately. Then, there are many new videos published each month over on our Get Rich Education YouTube Channel. Those are the main three places that you can find us.   Until next week, if you enjoy listening, I really appreciate if you would told a friend about the Get Rich Education Podcast.    Until then, I'm your host, KW. Don't Quit Your Daydream!

In this episode of the Get Rich Education podcast, host Keith Weinhold explores the current state of home pricing and the housing market.  He examines whether homes are overpriced or underpriced by comparing them to historical values, gold, and bitcoin, and discusses the influence of inflation and financing on affordability.  The episode features insights from Danielle Hale, chief economist at realtor.com, on the challenges for young homebuyers, housing supply issues, and mortgage rate effects.  The conversation also covers the build-to-rent trend, investment strategies, and the importance of increasing housing construction.  Weinhold concludes by offering free coaching for building real estate portfolios. Resources mentioned: For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.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 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Welcome to GRE! I'm your host, Keith Weinhold. Home Prices Aren't Really Up! Brace yourself. A mic drop moment on real estate costs is coming.  It's an unmasking - a reality check on property prices. Are homes actually still priced too LOW today? How could that POSSIBLY be true at all? On Get Rich Education. _____________   Welcome to GRE! From Belgrade, Serbia to Belleville, Illinois and across 188 nations worldwide. I'm Keith Weinhold and you're listening to Episode 501 of Get Rich Education.   We'll get to “Are homes overpriced or underpriced today?” shortly.    But understand this…   I successfully acquired something at a young age. And you can too. That thing that I successfully got ahold of was not millions of dollars… because I came from average means.   What I intentionally and successfully acquired was millions of dollars in debt.   Yes, obtaining millions in debt from a young age… is what led to me quitting my day job while I was young enough to enjoy it.   You, the longtime listener, COMPLETELY understand and appreciate what I just said. If you're a newer listener, that sounds unusual or even irresponsible. Well, come along for the ride.    Also, a layperson - or a newer listener - would respond with, “No one talks that way, thinks that way, or does that.” - taking out millions in debt and calling THAT aspirational.   But using that debt as leverage is how you ethically take funds from the big banks - take Chase Bank's money, take Bank of America's money, take Wells Fargo's money - learn how to use it, be a responsible steward of the funds, provide good housing for people and prosper.    That means you get the return on both your down payment - and the entire amount that you borrowed from those banks. That all goes to you. And both your tenants and inflation pay the debt back - not you.   Look, I know one person. I personally know a guy - Greg. Greg makes $80K a year from his day job. Good guy, married guy, one kid.    And his NW increased by $2M just in the COVID run-up. He has a modest salary but his NW is up $2M just since 2020.   First of all, do you think that any of Greg's co-workers experienced that effect? No, he's really going down my path. You soon get unrelatable to co-workers and even some of your peers.   Well, what makes it possible for a good family guy - or anybody - to go from a middling salary to obtaining life-changing wealth?    It takes leverage. He borrowed for bank loans. That way, he could acquire 5x as much property than if he paid all cash for his rental properties.    That way, he had 5x as MANY properties… and properties all appreciate at the same rate regardless of how much equity you have in them.    See, if he had paid all cash, he'd only have a $400K capital gain. Not bad, but $2M is life-changing. Thanks to leverage.   Everyday people obtain life-changing wealth this way. It's so substantial… that it won't only affect Greg's life. If he continues on this way, it'll take care of his children, grandchildren, and great grandchildren.    And you know, maybe this is why, one of the most recurrent guests we've had here in the history of this GRE, Ken McElroy, he says:   “The best investment in RE is the one that appreciates the most, not the one that cash flows the most.” That's Ken McElroy. And now you can see why he says that.   Leveraged appreciation creates wealth the fastest. Cash flow is important and it CAN boost wealth but that happens more slowly. Principal paydown doesn't create it - it enhances it… and it's the same with tax benefits.   Deferring your tax on a 1031 means that you can re-leverage a greater amount.   Low interest rates also don't create wealth. In fact, I bought my first ever income property with a 6⅜% mortgage rate and my second income property with a 7⅝% rate - that second one had interest-only payments.    But I borrowed the maximum amount that I could without OVERleveraging. Overleverage means losing control of the mortgage and operating expenses.   The lesson here is… get the leverage.   And… case in point. Here we go…   Speaking of appreciation, the LATEST Case-Shiller Home Price Index figure came in. The US currently has… 6.4% YOY home price appreciation. Now, their index is only based on 20 cities but that gives you a pretty good idea.    In fact, that is the fastest rate of increase since 2022.   Now, if you've let equity build up in your properties to the point that they're half paid off, you had 2x leverage, meaning the 6.4% appreciation just gave you a 12.8% leveraged return on your skin in the game.   And, of course, if you leveraged with a 20% down payment a year ago, that 6.4% means that you just got a 32% return.   And as we know, these returns I just told you about are from one of just one of FIVE ways that you're expected to be paid simultaneously.   But yeah, a 6.4% higher is merely a DOLLAR-DENOMINATED price. That's what that is. Why do I say that carefully?    Well, there are a few reasons that home prices are 6.4% higher - inflation from dollar printing could be why, the value - not price - but some properties have a greater VALUE, distinctly separate from inflation.   What's the distinction there - how does this happen? What's one difference between an INFLATED price and a greater value?    Well, say that a local economy is hot because there are more high-paying jobs there now than there were last year - say an influx of medical jobs or AI jobs or chipmaking jobs.    Well, even absent inflation, a property that now has PROXIMITY to better-paying jobs - that's now a property that's more desirable.    Someone is more willing to PAY MORE FOR - and simply CAN pay more for. Again - that phenomenon is ABSENT inflation.   What's another reason that home prices rise - and rose 6.4% YOY in this case?    If better PHYSICAL AMENITIES are in new homes than there used to be - say bigger garages or new communities with pickleball courts, well, people are more willing to pay more for that.    To review, there are three reasons that home prices go higher: inflation, appreciation from value creation - like how the same home is now located closer to more high-paying jobs, and thirdly, better built-in amenities.   All three of those increase dollar-denominated price or value. They all increase the nominal price.   Now, let's pivot into the fact that “Home Prices Aren't Really Up”.    I've covered this a little before, but I'm going to go deeper today in giving you the most comprehensive look at home prices today - compared to the past - perhaps than you've ever had in your life.   Some might say, “C'mon. How can this be? Homes cost, perhaps 40% more than they did just four years ago.”   Well, I've got a mic… drop… moment… coming.   - Home Prices Aren't Really Up.   We need a good measuring stick to see what home prices are doing. So we've got to stop pricing homes in dollars for a minute. It's a poor long-term value measure.   Ludicrous inflation means the dollar has lost over 25% of its value just since 2020, and 97% of its value since 1920.   Let's use a commodity and money that has been valued for five millennia - and its physical properties have not changed one bit in allll that time, and its valued across continents and cultures - that's 50 centuries of value! That's gold.    We'll get to a more modern measure soon. But first, gold is the best one.   Now, I don't know who to credit, but for a while, there was an image floating around out there that GRE got ahold of.    It showed that 10 kilos of gold would buy you an average home back in 1920… and also, that 10 kilos of gold would still buy you an average home today… total… mic… drop… moment. Wow! Is there any better evidence that home prices are NOT up - but higher prices reflect that the dollar is down?   Actually, yes, there is a little better evidence. We ran the numbers here and learned that - it's even more astounding than that!    You run how many dollars per ounce gold is worth, that 35ish ounces are in a kilo and you look at home prices then and now and we discovered that - it's even more of a jaw-dropper…   … because in 1920 - which I'll just call a century ago - you could buy an average home for 8 kilos of gold and today, you can buy an average home for just 6 kilos of gold.   So if you want to know how much home prices have changed in the last century, they are down 25%.    They're 25% cheaper today in terms of gold - clearly a more stable value indicator than horrendously diluted dollars are.   And also, GRE made a new image that shows this - 8 kilos for an average home a century ago, 6 today. I sent you that image in our newsletter about ten days ago and that image got shared a LOT of times. Your first reaction to this whole thing could be: "Wow! That's wild. The dollar really is sooo diluted." Alright. What about home prices in terms of a popular, nascent asset that only arrived fifteen years ago, bitcoin? 2016: Average home cost $288K, or 664 bitcoins. 2020: Average home cost $329K, or 45 bitcoins. 2024: Average home cost $435K, or 7 bitcoins. So, eight years ago, a home cost 664 bitcoins and today it costs 7.  That means that home prices are down 25% in terms of gold in the last century. But they're down 99% in bitcoin over just the last 8 years. And the dropped mic keeps reverberating through the stadium. Today's homes are cheaper in gold and drastically cheaper in bitcoin.  See, it takes real world resources and proof of work to create real estate, gold, and bitcoin. None of these things are required to produce a dollar - none of them. That's why its value is approaching zero. But let's go deeper. You need more answers - you are part of a really intelligent audience.  Because you might be thinking: "Wait a second. Some other things have changed too." For real people - everyday people - aren't home prices actually more out of reach than this? That's because since 1920, home prices have risen faster than incomes. That puts them OUT OF REACH for more people. Something else has changed. A home's lot size is smaller today too - the land that comes with the property has a smaller area. Let's understand too - homes also use some cheaper materials today. For example, heavy, milled raw wood doors - the interior doors - of yesteryear have given way to molded particle board today. This is beginning to build the case - evidence - that homes SHOULD be cheaper than they are today.  Let's keep going, because there's more to consider. Mortgage rates themselves - just rates in isolation - they don't put homes out of reach at all. The long-term average is 7.7%, per Freddie Mac, on the 30-year FRM. That average goes back to 1971, when they first began tracking them.  Oppositely, you can make the case that U.S. homes should cost even more than they do today. In many advanced nations, homes are way more pricey. Even next door in Canada, they cost about 20% more than U.S. homes. Canadian salaries are lower than US salaries too - yet their home prices are markedly higher. On some levels, you're getting more "home" today in the US.  A 1920 home would feel savagely uninhabitable to you if you tried to live in one now.  Here's what I mean… In 1920: 1% of homes had electricity and full plumbing. Today: 99% of homes have electricity and full plumbing. What I mean then, by savagely uninhabitable, is enjoy walking to the outhouse in the middle of the night when it's 35 degrees. Then there's size: 1920: The average home had 242 sf per person. Today: The average home has 721 sf per person. Because today, family sizes are smaller and homes are way larger too. Today's amenities would be unthinkable in 1920—walk-in closets, roofs with R38 insulation, double-paned thermal windows, smart thermostats, voice-controlled lighting, quartz countertops, and Kitchen Aid appliances. Maybe even a security system. They're all things that homes have today. Gosh, even the fact that you have a garage - a HEATED garage even, finished basement, air conditioner and modern washer-dryer would leave 1920 homeowners dumbstruck with their mouth agape—maybe even flabbergasted. Those old folks from yesteryear wouldn't believe all that you get with a home today. Yet that 1920 home would have cost you more in gold, than today's more sizable homes with all their plush amenities. Now, when it comes to - though home prices aren't up, are they more “out of reach” for the average American?” Over the past five years, they ARE - because home prices have now risen faster than incomes over THAT stretch. But another BIG reason that homes are SUBSTANTIALLY more affordable today than they were in 1920 is… financing terms.  Today, you can make a down payment for between 3% and 20% on a home. Do you know what loan terms were like in 1920? You had to make a 50% down payment and then had to pay off your mortgage in 5 years.  Can you IMAGINE if that were the case today? How many people could put 50% down on a home today and then pay off the balance within 5 years. Virtually nobody. That's why homes are more within one's grasp today. Overall, you can see that there are a lot of countervailing factors here… tempering that it took 8 kilos of gold to buy a home a century ago, and it just takes 6 kilos today.  The bottom line here is that, long-term, real home prices aren't up. Dollars are down because they've been printed like crazy.  From today, nominal home prices could keep rising for years.     Dustin on social had a funny comment about this - “How many baconators from Wendy's would it take to buy a home today?” Ha!    I don't know. I guess that's a hamburger - I don't go to Wendy's. Maybe then, a home costs 60,000 baconators today.    Coming up straight ahead - what will happen first - a $750K median-price home, $100K bitcoin, or $5K gold.   Also, what's perhaps the biggest trend in real estate investing that not enough people are talking about - and how you can make money from it… and more… all next - I'm KW. You're listening to Get Rich Education.  ______________   Welcome back, to Get Rich Education. I'm your host, Keith Weinhold.   On our latest GRE Social Media Poll, we ran this question.   What will happen first?   The median home value hits $750K. Bitcoin hits a $100K price. Or… Gold hits $5K.   I'll give you the result, but what do you think? Again, which one of these three things will happen first?    The median home value hits $750K. Bitcoin to $100K. Or… Gold hits $5K.   The results across both LI and IG were pretty similar - sometimes you get differences there, as LI is a more professional audience.    One voter in the poll also commented - it's syndication attorney Mauricio Rauld, who we've had here on the show before.    Mauricio said: I think assuming Bitcoin doesn't collapse, it probably makes a run to $100K in the next few years (who knows, could be next few months). But with the median home, at 10% a year, it would take 6 years to hit $750K so that is a decade away. That's his thought - sounds reasonable.    The poll RESULT is: Bitcoin will hit $100K first. That was most likely, with 57% of you answering that. That makes sense since its volatile and close to striking distance.   The median home value will hit $750K finished 2nd. 26% of you said that.   And gold up to a $5K price got just 17% of the vote. That makes sense since gold prices would have to about double from here.   You can always join along in the conversation and polls. We are really easy to find - because on virtually every social platform - Facebook, Instagram, LI, YouTube - we ARE: “Get Rich Education”.   Over on the Get Rich Education YouTube Channel, I recently covered how the Fed is overseeing a “Tug of War” between inflation and a recession. They don't want the game to end. The Fed is trying to keep the game going.    They don't want participants on either side falling into a pit in the middle of the Tug of War game between inflation and a recession. They don't want either side to win. If one side wins, the Fed loses.   This “Tug of War” game is really a great way to understand how the Fed works, how they control your money, and what their motivations are. A video about that is on our YouTube channel - where you get the visual of the Tug of War game between inflation and a recession.   That's just one example of how that content is often different from what you're hearing now. Get more… on our YouTube Channel… called “Get Rich Education”.   The homeownership rate just fell again a little, quarter-over-quarter, increasing the number of renters and rental demand, which I expect will only continue. From CNBC, Realtor.com's Chief Economist Danielle Hale tells us more. Let's listen in. It's about why the housing market is pretty dire for young Americans, then I'll be right back with some key commentary on this. Yeah, there in Economist Danielle Hale's interview - if mortgage rates go higher, inventory pulls back and we tend to see modest HPA. Most agree that if mortgage rates go lower, we'll see RAPID HPA.   She also just keeps exposing what we all know. “We need to build more housing”.   A brand-new home constructed with a renter in mind, sold to an investor, is known as build-to-rent housing. You'll see it abbreviated BTR. It's usually single-family.   Some abbreviate it B2R. These must be the same people that say H2O instead of water.    It's become massively popular.   Despite an overall housing shortage, last year, a record 27,495 BTR homes were completed.    That's up 75% from the prior year and up an astounding 307% since pre-pandemic deliveries back in 2019.   So what's driving the build-to-rent trend? Locked into low mortgage rates, existing homeowners won't sell. So, instead, new inventory must be constructed. More overall housing demand than supply. Wannabe first-time homebuyers cannot afford homes today. Renting a BTR is next best. National BTR occupancy is over 96%. BTR operates similarly to apartment buildings under property management, yet offer a single-family living experience.   Some of these communities have: leasing offices, pools, and fitness centers.   The homes themselves often have: luxurious modern finishes, garages, and fenced backyards.   What's in it for investors? How do you make money with BTRs? 5% mortgage rates* (I'll get back to that in a minute) A long-term ownership focus, generating revenue over time rather than immediately Tenants have a house-like feel. Expect 3+ years avg. tenancy duration. Mgmt. fees are low because all houses are the same and all in the same area too BTR purchase prices are HIGHER than resale property. You will pay more. Expect better appreciation than resale property The rent range is often $1,500 to $3,500 You can expect low maintenance. It's new. Builder home warranty So there are a ton of factors that give build-to-rent investor appeal. Really, 5% mortgage rates? Yes. Here at GRE, we can introduce you to some BTR homebuilders that will buy down your rate for you. One is lowering it to 4.75%.    I encourage you to get that incentive now, because when mortgage rates fall substantially, I don't expect these national and regional homebuilders to keep giving you the rate buydown.    Sorry J-Pow. This kinda makes your next Fed rate decision… seem pretty irrelevant.   It's a great rental model to pursue and an amazing time to do it with the rate buydowns. I wish BTR would have existed when I began as an investor.   You really didn't start hearing about BTR at all until about ten years ago.   Now, I appear as a guest on other business and investing shows. Quite a few times, the host asks me where the REI opp is today.    The answer that I've been giving is that it's with build-to-rent properties and these rate buydowns.   An income-producing asset is like your employee that's working for you—but without the personality problems. The property is also working for you 24/7.    Besides just helping you find the best BTR deals today, we can help set up an entire real estate investment portfolio plan for you.   -We can help build an income-producing RE portfolio for you with our free coaching. Truly free.    Now, if you're new here, you might think that we're trying to sell you something - and we aren't.    The way it works elsewhere is that some people get attracted to the free thing and then once you're on the phone or Zoom or free live, in-person event, they're going to try to sell you their better PAID coaching or some online course for a fee.   We don't even sell coaching or sell a course. This is free no-strings, no upsell, no catch coaching.    OK, it's sort of the opposite of your auto dealer calling you about your extended warranty - an overpriced item that you don't want. Ha! If you want to buy something from GRE, you can't because we don't even have anything to sell you. We are here to help!    Also, I have no problem with companies selling paid courses or paid coaching - not at all. Some courses are worth paying for. It's just not what we do or have EVER done here.   But see, buying real estate that you own directly is still not as simple as just finding a keyboard and pressing: Ctrl, alt,  Deal.   So that's why our Investment Coaches help you learn your goals, and navigate the process. Then you'll want to keep in touch with your coach because the best deals are often changing.    For example, you might think that you want to buy income property in, just say, Alabama, because its prices haven't run up as much as they have in Florida.   But we keep regular lines of communication open with build-to-rent homebuilders nationwide… and say there's a new community, in, Florida, where the real deals are going to be for the next few months…    …and though you still like Alabama, you like how Florida is growing faster so you end up going there.   Or there's better cash flow with some BRRRR strategy properties in say, Ohio, that we have that your coach informs you about.    So, I encourage you. Get & maintain a line of communication with your GRE Investment Coach.   To review what you learned today:   Leverage is THE most powerful wealth creator.   You can make the case that homes are NOT overpriced today. Home prices aren't up; the dollar is down.   No one knows the future. But there is ample room for more home price growth.    Build-to-Rent property keeps increasing in popularity… and investors can get mortgage rates on them as low as about 5%.   To contact an investment coach, it's free, start at GREmarketplace.com.   Until next week, I'm your host, KW. DQYD!