Podcasts about Singapore

Etiquette, manners, and beyond! In this episode, Nick and Leah tackle saving seats in Singapore, avoiding unnecessary meetings, bringing your own sodas to parties, and much more. Please follow us! (We'd send you a hand-written thank you note if we could.) Have a question for us? Call or text (267) CALL-RBW or visit ⁠⁠⁠⁠⁠⁠ask.wyrbw.com⁠⁠⁠⁠⁠⁠ EPISODE CONTENTS AMUSE-BOUCHE: Chope-ing in Singapore A QUESTION OF ETIQUETTE: Does this need to be a meeting? QUESTIONS FROM THE WILDERNESS: What should I do about friends who bring their own fountain sodas to my parties? Should we let our house guests use our master bedroom? VENT OR REPENT: Bad audience members, Too much glassware CORDIALS OF KINDNESS: Thanks to old friends, A nice message THINGS MENTIONED DURING THE SHOW ⁠The Newton Food Center scene from "Crazy Rich Asians" YOU ARE CORDIALLY INVITED TO... ⁠⁠⁠⁠⁠⁠Support our show through Patreon⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Subscribe and rate us 5 stars on Apple Podcasts⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Call, text, or email us your questions⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Follow us on Instagram⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Visit our official website⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Sign up for our newsletter⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Buy some fabulous official merchandise⁠⁠⁠⁠⁠⁠ CREDITS Hosts: ⁠⁠⁠⁠⁠⁠Nick Leighton⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠Leah Bonnema⁠⁠⁠⁠⁠⁠ Producer & Editor: ⁠⁠⁠⁠⁠⁠Nick Leighton⁠⁠⁠⁠⁠⁠ Theme Music: ⁠⁠⁠⁠⁠⁠Rob Paravonian⁠⁠⁠⁠⁠⁠ ADVERTISE ON OUR SHOW ⁠⁠⁠⁠⁠⁠Click here for details⁠⁠⁠⁠⁠⁠ TRANSCRIPT ⁠⁠⁠⁠⁠⁠Episode 274 Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch along with SwimSwam as we livestream day 8 finals of the 2025 World Championships in Singapore.

Watch along with SwimSwam as we livestream Day 7 finals of the 2025 World Championships in Singapore. 

Emmanuel Daniel is a global thought leader, author, and advisor on the future of finance, geopolitics, and their impact on business and society. He was named a top 10 global influencer on the Fintech Power50 list in 2021 and 2022, and is the founder of TAB Global, which operates platforms like The Asian Banker, Wealth and Society, and TABInsights. Emmanuel works closely with corporate and government leaders, advising on strategy and facilitating high-level planning workshops around the world. His book, The Great Transition: The Personalization of Finance is Here (2022), explores how technologies such as blockchain, crypto, and gaming are reshaping finance. Featuring forewords by former Congressman Barney Frank and financial innovator Richard Sandor, the book provides a roadmap for disruptors in the financial industry. Emmanuel is also a frequent commentator on BBC, CNBC, and Bloomberg, and was awarded the Citibank Excellence in Business Journalism Award for Asia in 1999. With a legal background and degrees from the National University of Singapore, University of London, and studies at Columbia University, Emmanuel brings a global perspective to his work. A former member of the Entrepreneurs' Organization and an avid model train enthusiast, he has traveled to over 130 countries and splits his time between Singapore, Beijing, and New York while working on his next book, The Winning Civilization.   During the show we discussed: What's happening with crypto and stable coins How stable coins impact the US dollar What the Genius Act means for you New crypto giants emerging from stable coin growth Why the US central bank won't regulate crypto' What to know about alt coins and staying safe Credit profiling through business transactions New credit scoring methods for businesses What's changing in peer-to-peer lending Digital data now used in lending decisions Lenders using lifestyle data to qualify you How friends, shopping times, and habits affect borrowing   Resources: https://www.emmanueldaniel.com/  

Watch along with SwimSwam as we livestream Day 6 finals for the 2025 World Championships in Singapore.

Three Buddy Problem - Episode 56: China-focused researcher Dakota Cary joins the buddies to dig into China's sprawling cyber ecosystem, from the HAFNIUM indictments and MSS tasking pipelines to the murky world of APT contractors and the ransomware hustle. We break down China's “entrepreneurial” model of intelligence collection, why public visibility into these threat actors is so hard to get right, and how companies like Microsoft get caught in the geopolitical crossfire. Plus: a deep dive on suspected MAPP leaks and Sharepoint zero-days, Singapore targeted by extremely sophisticated China-nexus hacking group, soft censorship in corporate threat-intel, and whether the U.S. should rethink how it fills its intelligence gaps. Cast: Dakota Cary (https://www.linkedin.com/in/dakotacary/), Juan Andres Guerrero-Saade (https://twitter.com/juanandres_gs), Ryan Naraine (https://twitter.com/ryanaraine) and Costin Raiu (https://twitter.com/craiu).

Value: After Hours is a podcast about value investing, Fintwit, and all things finance and investment by investors Tobias Carlisle, and Jake Taylor. See our latest episodes at https://acquirersmultiple.com/podcastWe are live every Tuesday at 1.30pm E / 10.30am P.About Jake Jake's Twitter: https://twitter.com/farnamjake1Jake's book: The Rebel Allocator https://amzn.to/2sgip3lABOUT THE PODCASTHi, I'm Tobias Carlisle. I launched The Acquirers Podcast to discuss the process of finding undervalued stocks, deep value investing, hedge funds, activism, buyouts, and special situations.We uncover the tactics and strategies for finding good investments, managing risk, dealing with bad luck, and maximizing success.SEE LATEST EPISODEShttps://acquirersmultiple.com/podcast/SEE OUR FREE DEEP VALUE STOCK SCREENER https://acquirersmultiple.com/screener/FOLLOW TOBIASWebsite: https://acquirersmultiple.com/Firm: https://acquirersfunds.com/ Twitter: ttps://twitter.com/GreenbackdLinkedIn: https://www.linkedin.com/in/tobycarlisleFacebook: https://www.facebook.com/tobiascarlisleInstagram: https://www.instagram.com/tobias_carlisleABOUT TOBIAS CARLISLETobias Carlisle is the founder of The Acquirer's Multiple®, and Acquirers Funds®. He is best known as the author of the #1 new release in Amazon's Business and Finance The Acquirer's Multiple: How the Billionaire Contrarians of Deep Value Beat the Market, the Amazon best-sellers Deep Value: Why Activists Investors and Other Contrarians Battle for Control of Losing Corporations (2014) (https://amzn.to/2VwvAGF), Quantitative Value: A Practitioner's Guide to Automating Intelligent Investment and Eliminating Behavioral Errors (2012) (https://amzn.to/2SDDxrN), and Concentrated Investing: Strategies of the World's Greatest Concentrated Value Investors (2016) (https://amzn.to/2SEEjVn). He has extensive experience in investment management, business valuation, public company corporate governance, and corporate law.Prior to founding the forerunner to Acquirers Funds in 2010, Tobias was an analyst at an activist hedge fund, general counsel of a company listed on the Australian Stock Exchange, and a corporate advisory lawyer. As a lawyer specializing in mergers and acquisitions he has advised on transactions across a variety of industries in the United States, the United Kingdom, China, Australia, Singapore, Bermuda, Papua New Guinea, New Zealand, and Guam. He is a graduate of the University of Queensland in Australia with degrees in Law (2001) and Business (Management) (1999).

What does it look like for Christians to wisely engage with artificial intelligence? Is there a place in our discipleship to mobilize AI as we spread the good news of Jesus? Is AI a neutral tool that can be leveraged for good, or is it inherently evil or dangerous?  Dr. Jeff talks about all this and more with Shawn Ring, who is the Founder, CEO, CTO, and President of several technology-based businesses, domestic and international, with 25+ years of experience. Shawn Ring has a proven track record in building and scaling high-growth strategies, having led the creation and expansion of national brands and franchise systems, driving startup growth to over $130 million in annual revenue. His expertise extends to Mergers and Acquisitions, where he successfully managed the integration of more than nine technology companies. Shawn has also developed and executed multi-national strategies, including international banking and legal frameworks across Singapore, South Africa, Fiji, and the United States. As the founder of a service-based company, he built operations across 47 states, offering both B2B and B2C services. Shawn holds a BS in Information Technologies and an MBA in International Business and Cross-Cultural Leadership. To register for Summit Student Conferences, visit: Summit.org/students/ For additional free resources from Summit, go to: Summit.org/resources 

Listen along with SwimSwam as we livestream day 5 finals of the 2025 World Championships in Singapore.

Join us for an enlightening conversation with Cliff Tan, the Singapore-born architect who became a global feng shui sensation after his first TikTok video went viral. In this in-depth interview, Cliff shares his unique approach to feng shui that combines his architectural expertise with ancient Chinese wisdom. What You'll Learn: The difference between form feng shui and compass feng shui Why the "command position" instantly makes you feel more secure How to apply the five elements (wood, fire, earth, metal, water) in your home Common feng shui mistakes people make when trying DIY remedies Practical tips for dealing with clutter and creating better energy flow Cultural differences in how people approach feng shui around the world Architect and Feng Shui Expert Cliff Tan breaks down complex feng shui concepts into practical, actionable advice, explaining the "why" behind each principle rather than just telling you what to do. From bedroom placement to office setup, he shares real examples from his consultations across 49 US states and clients worldwide. Whether you're a feng shui skeptic or believer, this conversation offers valuable insights into how our physical environment affects our well-being, productivity, and overall quality of life. Discover why sometimes moving your desk just two inches can make all the difference. Connect with Cliff Tan: TikTok, Instagram, YouTube: @DearModern Book: "Feng Shui Modern" Website: www.DearModern.com

Tất cả giao dịch nhà đất phải qua luật sư, số hóa vào tài khoản định danh, xây bảng giá sát thị trường để tránh gian lận kê khai... là cách mà Việt Nam có thể tham khảo từ thành công của Singapore, theo chuyên gia Nguyễn Đỗ Dũng.

One day after the UK makes a similar statement, Ottawa announces plans to recognize Palestinian statehood in September. We'll reach Canada's former Ambassador to the United Nations. The head of the Stephen Lewis Foundation tells us what a new million-dollar donation will mean for organizations whose capacity to help was suddenly slashed when the Trump Administration cut billions in USAID funding.A Maui resident tells us he and his neighbours were lucky to avoid any major damage after living through a tsunami warning last night. But that doesn't mean they should be any less prepared next time.A St. John's fire chief tells us about the fires that destroyed two historic fishing stages last night and how it felt to watch them burn, helpless to stop the flames.Canada's 18-year-old swimming sensation Summer McIntosh is chasing five individual golds this week at the World Aquatics Championships in Singapore. Her mother, a former Olympic swimmer herself, tells us what it's like to watch her daughter lean all the way in.A man in Argentina was shocked, outraged and then really, really embarrassed after a Google Street View camera captured him in his yard ... fully naked with his bottom on full display.As It Happens, the Wednesday Edition. Radio that imagines he'll be happy when the whole incident is in the rearview.

Watch along with SwimSwam as we livestream Day 4 Finals of the 2025 World Championships in Singapore.

Hey CX Nation,In this week's episode of The CXChronicles Podcast #262, we welcomed Pasquale DeMaio, Vice President at Amazon Web Services (AWS) based in Seattle, WA. Launched in 2006, Amazon Web Services (AWS) began exposing key infrastructure services to businesses in the form of web services -- now widely known as cloud computing.Today, Amazon Web Services provides a highly reliable, scalable, low-cost infrastructure platform in the cloud that powers hundreds of thousands of businesses in 190 countries around the world. With data center locations in the U.S., Europe, Singapore, and Japan, customers across all industries are taking advantage of our low cost, elastic, open and flexible, secure platform.In this episode, Pasquale and Adrian chat through the Four CX Pillars: Team, Tools, Process & Feedback. Plus share some of the ideas that his team at AWS think through on a daily basis to build world class customer experiences.**Episode #262 Highlight Reel:**1. How AWS thinks about team-building strategies  2. Leveraging Amazon Connect's Unified AI Engine  3. Streamlining customer service & success to fuel growth 4. Investing & supporting employee-driven innovation & cross-team collaboration 5. Building customer-centricity into the DNA of your engineering team Click here to learn more about Pasquale DeMaioClick here to learn more about Amazon Web Services (AWS)Huge thanks to Pasquale for coming on The CXChronicles Podcast and featuring his work and efforts in pushing the customer experience & customer success space into the future.If you enjoy The CXChronicles Podcast, stop by your favorite podcast player hit the follow button and leave us a review today.For our Spotify friends, make sure you are following CXC & please leave a 5 star review so we can find new listeners & members of our community.For our Apple friends, same deal -- follow CXCP and leave us a review letting folks know why you love our customer focused content.You know what would be even better?Go tell one of your friends or teammates about CXC's content,  strategic partners (Hubspot, Intercom, & Zendesk) & On-Demand services & invite them to join the CX Nation!Want to see how your customer experience stacks up to others, ask us about the CXC Healthzone, an intelligence platform that shares benchmarks & insights from companies across the world. Huge thanks for being apart of the "CX Nation" and helping customer focused business leaders across the world make happiness a habit!Reach Out To CXC Today!Support the showContact CXChronicles Today Tweet us @cxchronicles Check out our Instagram @cxchronicles Click here to checkout the CXC website Email us at info@cxchronicles.com Remember To Make Happiness A Habit!!

Anche oggi sentiamo il nostro amico giardiniere Simone Barlaam, alle prese con i suoi gerani, mentre a Singapore gli italiani si portano a casa due medaglie d'oro. Con Stefano Meloccaro commentiamo invece la crisi sportiva che sta vivendo Jasmine Paolini. E poi calciomercato e Serie A che verrà insieme a Pierpaolo Marino, Carlo Pellegatti e il match analyst Luca Diddi.

The Gateway Arch Park Foundation is taking major steps to revitalize the long-vacant Millennium Hotel site near downtown St. Louis. Executive Director Ryan McClure joins to discuss the recent acquisition from Singapore-based owners and outlines plans to begin demolition and remediation soon, pending state tax credit approval. The development, in partnership with Cordish Companies, will include luxury apartments, office space, museum areas, retail, and public spaces designed to reconnect the Arch with downtown. The foundation's track record with the City Arch River project shows its ability to drive transformative projects, with hopes that this redevelopment will boost the region's $572 million annual economic impact from the park. The conversation also touches on urban design trends like capping highways to better integrate city and riverfront spaces.

Is democracy living on borrowed time? In this electrifying episode of The Valley Current®, host Jack Russo sits down with David Nash, creator of The Segmented World, to explore whether a “good autocracy” might be the world's only path forward. Drawing on insights from his Segmented World Model and his upcoming book series, David argues that rising debt, climate pressures, and political paralysis could push nations toward centralized, one-party rule, citing Singapore as a possible template. Together, they dive into the explosive implications of super-intelligent AI, the dangers of strongman politics, and how economic shocks might trigger seismic shifts in governance. Can liberal democracy survive the crises ahead, or will the future belong to carefully managed autocracies? Don't miss this riveting conversation that could redefine how you see freedom and power! https://thesegmentedworld.substack.com/    Curious for more? Follow Jack's previous conversations with David Nash here: What the Segmented World Means For Our Future: https://youtu.be/xSZpNuOArko?si=aXRu4wtbQxNK7M-J What Will Conversational A.I. do in a "Cost-Free" Knowledge World? - Part 1: https://youtu.be/jaZW158e7JQ?si=OnK-2wWHJkEaTKnU What Will Conversational A.I. do in a "Cost-Free" Knowledge World? - Part 2: https://youtu.be/zuvbPyFXHCM?si=Ek5TwxfdyJUuOA3C    Jack Russo Managing Partner Jrusso@computerlaw.com www.computerlaw.com https://www.linkedin.com/in/jackrusso "Every Entrepreneur Imagines a Better World"®️  

In this episode of the How to Lead - 2025 Edition series, Julia speaks with Dr. Fiona Kerr, a neuroscientist, engineer, and systems thinker, about how to lead a strategy day in a way that truly taps into the collective intelligence of the room. Fiona begins with neuroscience: why proximity makes us smarter, how brains sync when people interact face-to-face, and what that means for the quality of thinking in a strategy session. She then explores how to design and steer, not control a conversation. From setting boundaries and naming non-negotiables, to using intuition, spotting weak signals, and asking the right questions, her approach is built around high trust, curiosity, and deep listening. She also unpacks the role of leaders as both participants in the system and observers of it, holding a bifocal view that allows for creativity and rigour at once. Listen to this episode to learn how to lead strategy sessions that go beyond sticky notes and PowerPoints and instead unlock clarity, ownership, and systems-level thinking. About the Guest: Dr Fiona Kerr is a researcher and advisor working at the intersection of human connectivity, technology, and systems thinking. She is the founder of the NeuroTech Institute and FOCUS, and works with public and private sector organisations on building adaptive, human-centred approaches to complex challenges. With a background in neuroscience, psychology, anthropology, and complex systems, Fiona brings over 40 years of industry experience. In 2023, she was named a Fellow of ATSE for her work on human proximity and problem-solving. She currently serves as Director of Applied Integrative Research at MindChamps in Singapore, focusing on how digital tools and human interaction affect learning and cognition across ages.

What do F1-linked scandals, Ponzi schemes, and popcorn-serving robot dogs have in common? Hosted by Michelle Martin with Ryan Huang, today’s Market View dives into Hotel Properties Limited (HPL) and its Orchard Road asset play, and the fallout from Envy Asset Management’s billion-dollar nickel scam. We also unpack shifting US trade policy under President Trump and its implications for Singapore, with the 10% tariff still looming. In our corporate roundup, we dissect the latest from AstraZeneca, Merck, Novo Nordisk, UOB’s United Overseas Insurance, and First REIT. Finally, we marvel at Unitree, UBTech Robotics, and Agibot at China’s AI Summit. From legal woes to leaping robot dogs—don’t miss today’s episode.See omnystudio.com/listener for privacy information.

Arsenal's tour of Singapore comes to an end with two victories. What did we and Arteta learn during the tour? I'm joined by @ArtDeRoche of The Athletic.

După fenomenala cursă din finala de la 200m liber în urma căreia a câștigat la Singapore aurul mondial, David Popovici a făcut dezvăluiri incredibile. Superstarul natației a fost la un pas să abandoneze competiția. Acum, David este mândru de performanța sa și așteaptă cu încredere proba de 100m liber. Detaliază Tudor Furdui.

In this episode I'm back in Dublin while James is in Hong Kong, following the Arsenal tour to its conclusion. We chat about the game against Newcastle in Singapore, focusing a bit on Max Dowman and how we find the balance between obvious excitement at what he's done on the pitch versus his age and adding to the hype. We also chat about the unveiling of Viktor Gyokeres, how he and Kai Havertz will mesh in the upcoming season, and Riccardo Calafiori. Then there are listener questions about Gabriel Jesus, whether Arsenal have to react to what other teams do in the market and whether this window needs one more signing, signing a left-back, how the final month of the transfer window might play out and lots more.Get extra bonus content and help support Arseblog by becoming an Arseblog Member on Patreon: https://www.patreon.com/arseblog Hosted on Acast. See acast.com/privacy for more information.

In this episode of Tech Talks Daily, I sat down with Boris Bialek, VP and Field CTO at MongoDB, for a conversation that moved well beyond databases. As AI continues to accelerate across sectors, MongoDB is positioning itself at the intersection of modern data architecture and intelligent application development. Boris shared how his team is simplifying AI adoption for enterprises, with a clear focus on real-world outcomes, developer productivity, and global inclusion. We began by exploring MongoDB's recent acquisition of Voyage AI. This move extends MongoDB's native capabilities into vector search, embeddings, and re-rankers, allowing developers to build AI-powered applications more efficiently. Boris explained how MongoDB is removing the complexity from AI integration by providing a unified API, collapsing what used to be 18 disconnected tools into a streamlined developer experience. But the discussion wasn't just about technology. Boris brought a passionate focus to the issue of financial inclusion. We talked about how AI can enable alternative credit scoring for the 27 percent of adults globally who remain unbanked. By analyzing behavioral signals such as mobile payment histories or utility data, AI can help unlock microcredit opportunities for individuals and small businesses in underserved regions. Boris shared use cases from PicPay in Brazil, M-Pesa in Africa, and Proxtera in Singapore, each demonstrating how AI and MongoDB are enabling new forms of digital trust. We also tackled the organizational and technical hurdles to enterprise AI adoption. From fears about hallucinations to managing constant model updates, Boris described how MongoDB is building systems that prioritize transparency, auditability, and scale. With its document model and integrated tooling, MongoDB offers a stable foundation for companies navigating fast-moving AI transformations. For developers, the platform now includes learnmongodb.com and quick-skill badges designed to make AI approachable and hands-on. And with the upcoming release of Boris's new book, there's more to come on how businesses can move from pilot experiments to production-grade solutions. How is your organization rethinking its data strategy to make AI work at scale?

Newcastle's transfer woes continue as Alexander Isak wants out of St. James' Park with Liverpool his most likely destination. If Isak joins the champions, is the title race already over before it even begins? Rory is joined by Flav and Harry Symeou to break down what this potential move means for the rest of the Premier League.Meanwhile, Morgan Gibbs-White has snubbed a move to Tottenham by signing a new deal at Nottingham Forest. How much of a blow is this for Spurs? Flav shares his frustration over how the club went from meeting his release clause to completely missing out.Arsenal have officially unveiled their new striker Viktor Gyokeres in Singapore. How transformative could his arrival be? And is this a make-or-break season for Mikel Arteta?Elsewhere, Sunderland continue to make headlines with a bold transfer window — and the biggest shock yet: Granit Xhaka is set to join the newly promoted side. How significant is this move, and are Sunderland here to stay?All this and more in the latest episode of The Club. Hosted on Acast. See acast.com/privacy for more information.

After 34 years of teaching, Tami-Adrian George knows what it takes to build a business that supports both your schedule and your sanity. In this episode, Lesley Logan and Tami talk about how she stumbled into Pilates, why she chose mobile teaching, and what it really looks like to run a thriving in-home fitness business. You'll hear about the mindset shifts that helped her get unstuck, the systems she uses to stay grounded, and how her Have Skills Will Travel method empowers teachers to build flexible businesses with purpose.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co .And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.Guest Bio:Tami-Adrian George is a multi-talented mobile Pilates instructor, rehabilitation specialist, and business coach, best known for her Have Skills, Will Travel method. She began her career as a competitive dancer and NFL cheerleader, even performing at a Super Bowl. Transitioning into acting and modeling, Tami appeared in Starship Troopers, General Hospital, and more than 50 national commercials. The demands of the entertainment industry led her to Pilates, which became a transformative and sustainable approach to health and well-being. Pilates provided her with the stability to make empowered choices and redefine her career path. Embracing the freedom of mobile teaching, Tami built a thriving practice serving high-profile clients in private settings. Through her signature method, she now coaches service professionals to grow premium mobile businesses without the overhead of a studio—helping them create lives of flexibility, connection, and success. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Tami-Adrian George 0:00  We all have blocks of what we think we cannot do. We all have limitations we're holding on to, and sometimes you just need that one on one, eyes on you to say, great where you are you're doing fantastic. Please, let's not measure you against the 19-year-old on the mat next to you. Let's measure you against you.Lesley Logan 0:24  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 1:07  Hi, Be It babe, oh my God, oh my God, oh my God. So excited. We've been saying we're gonna have her on the pod, OPC teacher and truly expert in teaching your service in people's homes. Tami-Adrian George the one and only. Truly, truly, truly, so excited. She is here at the house filming for OPC, and we have exciting thing coming out with her. But I really wanted you to hear like, how your life can have so many chapters, and they all can layer upon themselves. I think sometimes we're so hard on ourselves about like, oh, I went over here, I took this detour, and I, what you're gonna hear in her story is like, how everything just layers upon itself, and how you can utilize these gifts that you have to do the thing that you want and it can fulfill you. You can be fulfilled, right? Instead of, like trying always to do the next thing. So here's Tami-Adrian George. I'm so excited that she's on the pod. Thank you so much for being here. Lesley Logan 1:55  All right, Be It babe. Guess what? We are doing things differently today. Our guest is in the house. Our guest is Tami-Adrian George. She is like, the one and only, most fabulous, most amazing. Can't believe the lives this woman has lived. I have been, Brad and I have been so honored tonight. I don't know that Tami knows this, but we met Tami through Agency Mini, many, many years ago. Brad did a call with you, and he got off, he's like, I really want to help her. She is amazing. She is such a go-getter. We could do so much with her. And here we are, I don't know, five years later, four years later, at least, I think it's five, and you have done so much. So Tami, will you tell everyone who you are and what you rock at? Tami-Adrian George 2:35  Well, hey there, yes, it's me, Tami-Adrian George, and it's been quite the adventure. I came into Pilates quite by accident. This was something that was going to save my brain, because before that, I had been in high school, competitive dancer, competitive cheerleader, choreographing, competitive competitions for other teams. I danced at the Super Bowl, things like that. Then I get out of there, get into college. Decide, let's, let's act while we're in the middle of college. Okay, let's do that. So I start modeling and acting. Almost miss my college graduation because I was working so much that I was never in town. I did the entire last year of university via fax. That's how old I am.Lesley Logan 3:32  Can you believe it that they did that? I'm impressed that they did that.Tami-Adrian George 3:35  My professors are really great. So by the time I got to the end, you know, they were willing to sit and talk with me and say, okay, why is it that you're never in class? Have you been to the movie theater lately? Then I realized this time that I was on different sets, especially photo shoots in particular. But any set, there is this weird dichotomy that goes on where they want you to fit into the wardrobe, but they have this thing called the craft service table, which is a giant table laden with every food you could ever want that will knock you on your butt with fatigue and sleep, will make you bloat instantly, and you're not allowed to eat any of it.  Lesley Logan 4:20  Right. But it's there. It's there. They fed you. They gave you the opportunity to eat, but they really you're not supposed to do it. Tami-Adrian George 4:29  And I was around people with some really terrible eating habits, some really disturbing and dangerous habits, and I realized I need to figure out something to do that I can do while I'm traveling. There's not always a gym available. I can't always go for a run. Sometimes I'm in a country or a state that I've never been in before by myself, and I can't just go for an hour run. And I stumbled into Pilates, and the instructor that I was working with this wonderful woman named Jacqueline Potter said I really think you need to become an instructor. And I'm thinking, My life is so full I don't have time. But I went ahead and kept doing it. Started, oh, this is kind of cool. Oh, I could do this. I could do that. And I realized that by becoming an instructor, I got to learn more, and I got to do more. And it was, it was always the thing that kept me grounded. So no matter what set I was on, no matter where I was traveling in the world, I always had Pilates. I always had a stable of clients at places that I was teaching around town, private sessions that I was doing in people's homes. And it gave me the freedom to turn down jobs. I didn't want to do a lot of nudity. I didn't want to do a lot of sex scenes. There were things that I just knew weren't right for me at the time. This is, you know, the 90s, early 2000s every person of color was stripper, sex worker, girlfriend of drug dealer, dead.Lesley Logan 5:57  You'd be dead girl number two.Tami-Adrian George 6:00  Yeah, that's what happened. You get this, this great character, and you do all this character development, but you're really still secondary. And I was fighting for every part, because it wasn't like it is now. And there came a point once I got married and once I had a son and actually killed my husband in a movie. That's how we met. My husband had some serious health issues going on, and I realized I wasn't getting the joy from acting that I was getting from Pilates, from my clients, from helping them get to their goals. When an audition would come through, or sometimes even a booking would come through, I would get this tightness in my chest, like I don't want to do this job. I just got this particular person through a hip replacement. We're not done yet, and you want me to go sit in hair and makeup for three hours. Are you kidding? So eventually the pandemic hit. And I think that's how I found you and Brad, the Agency is, I'm home by with my husband and my child, but I'm alone, and I need connection. Lesley Logan 7:10  Yeah, yeah. We all find ourselves in a place where it's kind of like, not a fork in the road, but just like I can't keep going the way it's going, and I've gone as far as I can go on my own, and I need help, and I just so, you know, know, like, I go every few years. I'm like, okay, I've gone as far as I can with the knowledge that I have. Changes have to be made, shifts, and it's interesting. Thank you for taking us on the journey. Of like, the pendulum swinging. Of like, first Pilates was there to support you. Then Pilates became something that you did in between jobs, then it became like, oh, actually, I'm enjoying this more. And how, how interesting that you're so connected to yourself because of who of all the work you did, that you could feel like, oh, I'm not getting excited about a booking. Like I should be excited about a booking.Tami-Adrian George 7:54  Exactly. And I left out the years that I worked at an urgent care that also had a family practice and a workers comp suite attached to the medical complex, and I was always hanging out in the physical therapy workers comp area, looking to see what they were doing. What are you doing now? Why are you doing that? And to see that oh my gosh. Pilates is physical therapy. It all comes full circle. The exercises that they're teaching are some of the things that I'm learning over here. I don't know about the rest of the country, but I can say in California, physical therapists are not allowed to work on a part of your body that is not in your doctor's prescription. Lesley Logan 8:40  That's definitely in the States, yes. Tami-Adrian George 8:42  Period. But the body heals as a unit. The body compensated for your injury, your surgery, whatever you were going through as a whole. So that's why, even though you got your knee replaced on the left, your right shoulder is killing you, because we're doing these things to balance through the body when we're in pain. So it was interesting for me to see these amazing physical therapists whose hands were tied, and now they were starting to reach out to Pilates instructors and say, I'm doing this with my patient. Can you supplement them and get them back to whole. So that's a whole nother part of you know what you're doing in your life starts to come in every, you're doing everything for a reason. You don't know what it is, yet. Lesley Logan 9:33  I love this. I actually do. I, you're kind of on the same mindset as I just been hearing that, like, I think it's really easy for us to go, oh my God, I wish I'd known this then, or I wish I'd done this now. Or I wish, I feel like I wasted my time there. And it's like, actually, y'all, if you just take a look at your whole resume, not just the resume you put out for the job that you want, where you like, you know, let's move with this thing, and let's adjust this thing. But if you look at your whole resume, everything you've done has assisted in getting you to where you are and what you liked about those things, there's commonalities that you can like, you can actually borrow from to help you figure out, like, what, where do you want to go? Because, as Pilates instructors, you and I have had very different careers. You know, I did have some in-person clients. It did not fill my cup, it did not fill my joy. But it feels yours like, it's like, literally, the thing that you do. And I think, like, had I not ever done in person, I couldn't actually help people who are like, oh my gosh, go teach in someone's house. I'm like, okay, hold on. Hold on. Because I had to go into someone's house where I definitely it was at the top of, like, it was in L.A., it's like, the top of Hillcrest, the last house on the top of Hillcrest. You guys, I'm driving my Mini Cooper, and I'm going there. And the security is like, okay, you can come in here. You can go here. You know, the ambassador will meet you in here. And I'm like, what is he the ambassador of? And no one would give me his name. And then, like, damn it. Then one day, the sheriff, literal, the sheriff, was just sitting there watching me teach him. And I'm like, I'm sorry, this isn't a viewing show. You can work out too. Like you're just gonna work out because I'm not gonna be watched by the sheriff. And then the mayor, the fucking mayor, shows up. You guys also, they were not exactly the cleanest sheriff or the cleanest mayor. So I'm like, now, like, who is this guy? I'm always getting paid in cash. And then I was like, one day, I was like, leaving. I was like, there's always a car inside this house. It's always watching this house. I'm gonna be questioned. I'm gonna be interrogated. I was like, I can no longer teach in person. I was like, I just thought myself them going, you, you know information, you're gonna be like, microphoned or something. And all I could hear is this man, belp and fart. But, like, you know, anyways. But I think, like, it was never a waste of my time, because it really allowed me to go hold on, like, let me understand that part of the business, so that when you came in to Agency, we could really see, like, what a gold mine and what a great thing you had going, and how you could elevate that.Tami-Adrian George 11:55  I started, like, all Pilates instructors start, right? You have to do the observation hours, and you have to do the practice hours, and then you have to do some apprenticeship. So I feel like I've been in all of the parts except for actual studio owner. I have managed, I have supervised, I've trained other instructors. I've been the employee, I've been the independent contractor, I've been the person who rents studio space. I've been in all of the situations, and it's so funny what you're saying about you know, these people, I have a file, not a digital file, an actual file folder filled with NDAs, of things I have had to sign for, the various people I have worked with over the last 34 years. I always used to think, well, okay, I have to tell somebody where I'm at, because if I disappear, no one will know.Lesley Logan 12:53  Yes, yes, yes. Thank God for location services on the phones now, because now that's a thing, but that wasn't a thing when I was teaching at home. So it's like, okay, you couldn't even, there wasn't even a signal up there, so I couldn't call for help if I wanted to, yeah. Tami-Adrian George 13:11  Totally. Lesley Logan 13:12  Well, okay, so Tami, I mean, Tami-Adrian, we know you as an OPC teacher, and we know you have, like, what's been really cool in watching you the last five years is that you have been really not just solidifying your business, but, like, truly enjoying the business that you've created. I think that that's really unique. A lot of teachers keep thinking that, oh, I've reached this peak. Now I gotta find another goal. I gotta find I gotta find another goal. Can you tell us, like, a little bit about what you do as a day to day gig, and then also, like, how you came to go, wow, I really, like, this is really for me, because I think a lot of people listening, even if they're not a Pilates instructor, can actually learn from like, oh, what maybe are the signs or the the qualities or the feelings that make me go, oh, I'm actually fulfilled. Tami-Adrian George 13:56  Oh, yeah, yeah. Okay, so my let's start with the day-to-day, and then I want to tell you about like working with you and Brad and how that helped me come into just a completely different feeling about what I was doing. So a typical day to day for me is I will start the morning with my virtual private clients, some of whom are back east, so the timing works out perfectly for me. So once I finish those sessions, then I pack up the lunch bag. It literally looks like I'm going on a picnic. You're with me. You and Brad are with me. You know, I eat every five minutes. I take little, tiny bites. I'm like a tiny bison. I graze all morning long, and I start heading out for the day to which client is on the roster for that day. And we have different things we might be working on. So sometimes I might have my golfers, my pickleball players, who have very particular goals. There are things that we are trying to do. So I have been trained in both classical and contemporary Pilates, because I need to be able to spin on a dime to what someone is telling me at that moment. And I'm very big on what is your ultimate goal? If your ultimate goal is I'm going to my sister's wedding. I want to look great. I'm not the person for you, and I will find you an amazing person who will make that happen for you. I'm the person who when you say, I need to get my handicap down, I need to be able to play a full 18 holes without my back hurting, and I'm going on a golf trip where I'm going to play five days in a row. Oh, now I have a vision. Let's do this. Let's go. Then I make sure I have breaks throughout the day. I'm very particular about where I'm teaching, the distance I'm teaching, because it can't be be bopping all over town all day. And there are times that I book into my day so that I can go for a walk. I teach in really beautiful parts of the Los Angeles Westside beach communities. So there's time to go for a walk, there's time to get my own workout in, there's time to sit down and eat real food, and I'm usually done by a fairly early part of the day. I don't actually work that many hours a week. And then maybe there's a beach walk with my husband or my son's in universities, so there's a phone call or FaceTime with him, and then there's my time where, what's the thing that fills me today? Do I want to do a meditation? It turns out I'm not the morning meditation person. I, it's not my jam at all. Lesley Logan 16:33  To me, the morning is like, okay, the morning has started, and I want to start with it. I am. I find I have it better at the afternoon going, okay, well, I don't actually want to do anything, so I'm gonna procrastinate with meditation.Tami-Adrian George 16:42  Exactly and then two hours have passed. Yes, I have reached all the masters in the universe, but now I don't want to do anything and, and I believe very strongly that your great day starts the night before. So there's always a part of my afternoon and evening where I am prepping for the next day. Either it's the food I'm preparing or it's looking over who's on the schedule for the next day and where are we in progressing them to their goal. So I'm thinking ahead of what exercises I want to do, things like that. And then I also coach, so I have other instructors, and also people who aren't Pilates instructors, massage therapists, you know, anything you have that is a service that helps someone can be mobile. And I might be on a coaching call, speaking with someone about where they're at in their business and helping them get to their call. Lesley Logan 17:38  Yeah. So because can you, since you have done everything but own a studio, I've done similar, I've done all of it but work at a franchise. So like, I, can you talk about, like, how did you decide, or know that, like, going into homes actually is how you wanted to teach, versus, like, having people come to you because we sit on opposite sides. I'm like, you can come to me. You know, but like, you're like, no, I liked, I can go here and I go, is it just the beach walk? Like, what made it so that you really like to go into people's homes?Tami-Adrian George 18:10  So the first studio I ever taught at, Pilates Studio Pasadena, doesn't exist anymore because the parent company went bankrupt. And what we didn't know was it was a, it was like a a compound of fitness. There was a private workout place here, and a this, and a that, and a yoga student, all these things that were in Old Town, Pasadena, right where the Rose Bowl comes down the street, not the Rose Bowl, the Rose Parade comes down the street. What we didn't know was that the Pilates Studio was who was making money, and we were covering the payroll for all of the other workout facilities, and sometimes our checks would bounce. And one day, we found out doors are closed, we are done, but we all had keys, so I know that the statute of limitations have passed until we find talking about it. So who got together? We unlocked the studio at night, we unloaded all of the Pilates equipment, put it on the trucks and drove it to someone who had just bought a home they didn't have any furniture yet. And we put it like, okay, the dining room has all the Wunda Chairs, and the living room is going to have the Cadi and a couple of Reformers, and the back patio put this, and there was literally something like a click, oh, I'm in a house. I'm in a house doing Pilates. Now I'm doing it with five other instructors, and we worked for free, because right before that company went out of business, we were selling packages.Lesley Logan 19:46  Right. So all these people had paid. Tami-Adrian George 19:47  We'd had a big drive and all these people had just bought packages, and then the door shut, and we didn't know that that big drive was their way of getting cash to cover the businesses. They knew they were gonna go bankrupt. They just didn't tell us. So then I had to work for free to train out all of those packages that I had personally sold, because now my reputation was on the line. And as we got into studios and got the people would always say, can you come? Could you come to my house? Could you do this at my house? Could you do this? And it started with one person, and then another and another. And I realized there is a connection that you get to make in that private in-home setting, people will tell me things that they will never tell me in the studio, because there are other people in the studio, or if I was teaching a large group class, even a small, let's say, a foursome or a trio, there's no time to talk. We are here because the entire group is trying to move. So I didn't always get to understand their history, their surgeries, their injuries, whatever it was they were working towards, and also, too, their blocks. We all have blocks of what we think we cannot do. We all have limitations we're holding onto, and sometimes you just need that one on one, eyes on you to say, great, where you are you're doing fantastic. Please. Let's not measure you against the 19-year-old on the mat next to you. Let's measure you against you.Lesley Logan 21:22  Yes, oh, I do love that. I mean, I agree. Like people are a little more comfortable in their homes. You can also then and actually see like their setups. And you go, okay, so you said it was the Pilates last week that hurt your back. But do you see like this slope that you, you know, or like, can I look at this chair that you're sitting on at your desk? Like, that's not helpful, you know what I mean. So you do get more insight, but also they do have a bit more focus, because they're not distracted by the person and the other performer who's talking too loudly or who's doing crazy things, and they think they should be doing crazy things. It is more it's more personalized in that way as well. I love that. That's so cool. What a funny way of getting into like, knowing, like, oh, I could teach at a house. And then, because you had kept up with those sessions, that they're like, oh, can you teach me at my home? Because now they're seeing, Oh, I'm in a home. I could do this at my home. Tami-Adrian George 22:12  Yeah, they're like, wait, you can fit a Reformer here/ Yes, absolutely. You can fit a Reformer here. And you know what? You don't even need the reformer. Honestly, everything we're doing on the Reformer, I'm telling you, if I put you on the mat, you're going to shake like a leaf in the wind. You do not know how hard it is once we got to that point, too, of sharing that. And here's the other thing I find that is really interesting. Yes, the personalized attention. There is nothing like it. But the biggest problem I solve for my clients is time and convenience, there are certain people I tend to have CEOs, chairman of the boards and their families. For them to spend an hour in traffic trying to get to a studio, then circle around looking for parking, then finally do their workout and have to repeat the drive back home. It's hours of their time that they just do not have available. Lesley Logan 23:07  Well, they're not, then they can't be consistent, because then they're only can do it on a good week and and then they're frustrated because they yeah, all of those things. So like people, like them, they they're gonna have to pay for that time and convenient miss of you coming to their home, but now they can be consistent.Tami-Adrian George 23:22  Exactly. And, really, that's the secret, isn't it? That's the secret sauce. If you want to get results in what you're doing, it's the consistency.Lesley Logan 23:30  Yeah, yeah. I, you know, it made me think, like, as you were talking, when I, I always thought you had to have a big studio. Probably, it's very similar to you, like you work about I have the first show I ever worked at was a big studio. The first time I went to a Pilates studio with equipment, had multiple Reformers and all the things. And so I just thought, Oh, you have to have all of that, and all the in L.A., all the famous teachers were famous studios all had multiple of everything. And I'm like, I'll never own a studio because I have student loans. I have all this. I need all these things. And it was when I had put myself in a group of people, the community that I saw, one of my friends had made a private space for herself where there was just one of everything. I was like, oh, I could have, I could have a private studio. I could have, like, just, I could just teach the private because I only teach privates in a couple semi-private so, like, I could just do this. So I think it's really important for anyone, no matter who you are, listening like, it's important that we are inspired by other people sometimes, because we get blinders on of like, this is my experience. This is the only way that works. This is a way I've seen that work. So I have to do it this way. And when we're exposed to other environments or other ways of people doing it, then we can go, oh, I'm not gonna do it just like her, but I could do it like this, or I could do it like that, right? Like we, we kind of need that. We need that in the community that we're in.Tami-Adrian George 24:48  Exactly. I love what you're saying. It's making me think of the the other thing I wanted to mention when I started working with you and Brad, I didn't realize that what I was doing had a system. It was just what I was doing, because nobody else was really doing it in this manner, and to then have support of someone saying, no, what you're doing is actually a thing.Tami-Adrian George 25:11  Yeah. It's a thing that you're doing. Tami-Adrian George 25:14  You're doing a thing, and there seems to be a way that you're doing the thing, and we're going to help you do the thing better, and we're going to teach you how to structure it so that it's repeatable, and that you can take pressure off of yourself and that you can have support, and that we're here when you need us. And you know, there was a guy who used to always say, you're trying to have the panoramic view, but you're at the foothill of the mountain, so you have to climb a little and then you'll see a little more. And then you enjoy the view. You celebrate the view, do a little dance, and now climb higher. And each time that you climb and hold at that level for just a moment, just to enjoy it. You see more you see more possibilities. And eventually you start having a wider view, and you start seeing, oh my gosh, I can do this with that. During the pandemic, talking about that time, one of my favorite, favorite people to work with, had a stroke. So, I can't get to him. We've rehabbed him virtually because, oh, this online thing really works. And it was a little bit of convincing me and convincing him, but, guess what? He was back out there playing golf, doing all the things, no problem. You know, the deficits were seriously down. Yeah. And I needed that view. I needed that lift to view, lift to view, repeat.Lesley Logan 26:55  Well, and what I'm hearing you're saying is, like, we all need someone to go, oh, you're doing a really great job here. And if we do this now you've got a system, and now it's repeatable, and you're not wasting your time, or you also even need to see like from other people's perspective. Oh, what they're doing. Oh, I love that for them. And then that also helps you solidify like you like what you're doing. Like, we all need it wherever we are, because we can get so closed off, and then we, running a business is hard. The business is hard. I've said this a few times now, like, and I will keep repeating it because it it really blessed my heart, like when someone in our Agency asked the Pocket Lesley, which is like a bot of me train 10 million of my words, you know, 10 years of coaching.Tami-Adrian George 27:36  I love Pocket Lesley, because she's my size.Lesley Logan 27:40  She's, she's like, have you ever had an obstacle in your business? And it's like, yeah, daily.Tami-Adrian George 27:46  Like, you mean this last hour? Lesley Logan 27:47  Yeah, daily. And so when you have someone to go, oh my God, what you're doing here is really amazing. It helps you go, oh, okay, it is, it is amazing. I just am having a hard time right now. I'm, I'm at the foothills, and I can't get to the panoramic view, where other people are right now, and so, you know, we at agency are so excited, because we have helped thousands of businesses in this industry run things the way that they want to. And one of the things we've celebrated along the way is like, each year that we've known you, we've watched you run your business so it supports you and your family. And I think that's what's so cool, because it's not just because you go into people's homes that your business supports your families, because you are intentional about what your goals are and how your business need to support that, and then we could support you in doing that, and year after year. And now here you are, only in five years you put systems together, you have a very thriving business, and like you mentioned, now you get to coach other service people, to have a business that does it the way that you do it. Tami-Adrian George 28:45  Absolutely. Lesley Logan 28:46  That hat, like, you know, can we talk about the be it till you see it for that like, what would, what were the what was there was there mental hurdles you had to do? Was it just like, because, because I was so excited, when you're like, I'm doing this. I'm like, yeah, you should. Tami-Adrian George 29:01  The hurdles were, oh my God, the hurdles were real. Remember, you should do the videos, The Struggle is Real? Oh, the hurdles are real. It's, it's, you were talking about being in the tunnel. We're working so hard towards something that we believe is the only thing. And I don't, actually, I don't think I have anyone right now who is exclusively mobile teaching. They are either business owners, they own a gym, they own a studio, they are also teaching like community classes, say, at the Y or at a gym someplace, or they're renting studio space, and now they're adding mobile training as an extension, as another service, I mean, and that's the thing, I think, for people to understand, you're providing a service. You're not just teaching a class. You are a service provider. So you can provide as many services as your heart dreams up. Let's make that happen for you. And there's a gentleman that I'm working with right now, and he had become almost exclusively online in big, big, big classes, and he hadn't had the one-on-one connection with his students in a long time, because everything was far away. And when I say online, not live, I mean, pre-recorded classes. And he was so burnt, so burnt out. I don't like this. I don't want to record any more classes. I don't want to walk into a room of 30 people anymore. And I said, you know, you're the reason it's not in your heart is because your heart is not reaching anyone. So we took starting one day, one day of your schedule. We're gonna make this your mobile training day. This is your I'm out in the field, and we're gonna start letting people know. Just pick amongst your favorites. We're gonna start letting people know you're available. He's now having to hire another trainer because he has this established brand. But now people are like, oh, you can come to me, too? And you have a kind of a signature thing that you do, and you can do it in my home with me? Let's do this. So it's how you would like your business to be. It's not give up your studio, give up your gym. Never book massages at the hotels ever again. It's how can we incorporate this into what you're doing so that you can expand. You also get to charge more, just saying.Lesley Logan 31:31  I was gonna ask you, the number, the number one thing that we see people do wrong when they go into people's homes is discount the price. Yeah, you are, yeah. And if you're, like, how do I know what to charge? Well, guess we'll have, stay tuned. We have, we have help for you there. But like, yeah, you it's convenient for them. It is not necessarily convenient for you, for so many reasons, because booking back-to-back doesn't exist. Like in my studio, in my home, like, people can come every hour on the hour, and I can fit four people in four hours and be done, right? You do not fit four people in four hours, you know? So that is so when you are working with people in their home, you have to charge. There is a higher cost to that, because they are paying for convenience, just like when I order food to be delivered, it is more expensive than when I order it at the restaurant.Tami-Adrian George 32:23  It's a premium it's a premium service and you are bringing your knowledge to someone. So yes, now the premium is even higher because you actually know what you're doing. Of course, anybody can take, my gosh, I call them the Pinterest workout plan.Lesley Logan 32:42  Oh, okay, I call them Instagram workout plans. But yes, anyone can do that. Tami-Adrian George 32:46  They start culling and culling exercises from all these different places, and they put them together, and then they wonder why they're not getting the results, or now they've injured themselves, or they're burnt out and they don't want to do it. And there's a reason for that. People, it's like New Year's resolutions, any promise you make to yourself that is a promise broken. Lesley Logan 33:07  Yeah, because you need the accountability of someone else, and you also need their guidance. You know, we all need it. I mean, I say I pay a Pilates instructor to teach me. I can teach myself, and I do multiple days a week, and two days a week, I'm held accountable to a full hour with someone watching me to give me feedback, because left to my own devices. I'm going to check my oh, I'm going to change this podcast. Oh, look at that full hour outside. We all need it, right? We all need it. We all we're laughing because we all need it. Even coaches like you and I have coaches for things that we do, because we all kind of need this. And there is an investment there. And yes, it does mean, like, some things can be inaccessible to people, but also for every single one of you listening, no matter what your business is, you're not you cannot solve the world's problems. You can solve a problem for someone that feels like it's their whole world. You can do that, but you gotta, like, really dial it in. And I think, like, what you do so well, Tami, is there is a slice of of the pie that of people who would prefer to be convenient for them so they can be consistent and and you can, if you're a teacher, a massage therapist, whatever, you could be the person who does that. That's your expertise. So Tami, we're super, super excited. We're gonna let the cat out of the bag a little bit of what we're doing here. So, so we, at Profitable Pilates, truly love being able to help teachers of any background, true like run a business that works for them. Like we do not do templates. We have a formula. I should say we have two. We have a scheduling formula, and we have a pricing formula, but all of those require your goals to go into the top for it to filter through, so there is not a single and even if the price answer is the same as someone else's, like, what went through and all the different ways you get there is very, very different. So we're super excited, because you do what you do so well, and the world is missing an expert like you. So tell everyone what we what we've got going on, we've got planned. Tami-Adrian George 34:58  So, I have a method called the have skills will travel method, yes, because really, that's what you need to be a mobile instructor, the skill set you already have and some gas in your car. Let's go. In between those two things are a whole list of things you need to know and need to be doing to make sure that it is indeed profitable and that you are safe, and that you are happy and your client is happy. So I'm taking my one-on-one three-month coaching program, and we are creating a special group coaching program that is just for Profitable Pilates, just for, well, we'll have Agency members there too, and it will live in the Profitable Pilates universe, so excited, and we're going to do this as an eight-week program.Lesley Logan 35:57  Oh, I love this, because it's any we all have eight weeks we can dedicate to doing a dream. We all have it because every dream takes a long time. Anyways, eight weeks is like a fraction. Tami-Adrian George 36:04  And it doesn't matter where you're starting from, wherever you are in your business and thinking about doing this, or you're already doing this. It works where you're at, jump in, where you're at.Lesley Logan 36:18  Yeah, and I just want to say, like, if you're like, you're like, oh my gosh, you guys, I can just make sure I charge more, and I can just go, yes, you could. And then you get to learn a lot of weird things the hard way. I'm sure Tami was like, oh my God, Lesley, you went into some random house on the top of Hillcrest. My heart. Tami-Adrian George 36:34  As soon as you were telling me that. And I was like, oh my God, Did you have a safety buddy?Lesley Logan 36:41  People knew where I was going. And I did tell the ambassador's team. Okay, my people know where I'm going. I mean, to hear, however I will say, like I did listen to, like, murder in the Hollywood Hills, the dateline, and I was like, oh my God, that is like, I can't believe that doesn't happen more often, because, like, so many women are offered, oh, there's a modeling gig and at the top of this house, because everything happens and people so anyways, there are so many different things, not just safety, but also not just pricing, that you have to be thinking about and when it comes to doing this. So that one, it still works for you. And two, everyone wins. The clients win, but your business wins because you are allowed to be successful in your business and achieve wins for other people. So if you are someone in the service based business, or a Pilates instructor who's interested in seeing how this service can be added to your business, you might even decide you don't want to do it afterwards. And that's fine too, because now you solve that without having to sell a package and then go fulfill it. So, so you can go to Profitable Pilates website. We have P it's prfit.biz/events and you can get on the wait list for this. But we're going to take a brief break and then find out Tami-Adrian's Be It Action Items. And also, where else you can, just like, kind of stalk her in a good way. Tami-Adrian George 37:50  Absolutely. Lesley Logan 37:50  All right, Tami-Adrian, where do you hang out? Because you also do give out great advice, you know, for free on things that you hang out on.Tami-Adrian George 38:04  I hang out on Instagram. That is my jam. I am @Tami.Pilates.rehab and it's T-A-M-I and then you can also find me at T.A.G., my name, Tami-Adrian George, tagpilates.com head over to the website, links, move around, dance around in there and sign up on the waitlist. We're so excited to have this group together so that we can be learning and growing together.Lesley Logan 38:33  Yeah, I mean, it's going to be so, so amazing. And I just want to say, just like you could, if you need to, because I've been in a place where I've had to call free advice together, absolutely you can, but at some point, if all you've ever done is call, just pull it together and bounce around from free advice to free advice. I would say that investing in something like it's an eight-week program is so it's a risk-free type of environment, because it's you're not committing for longer than that. You know, at Agency, we do make people commit for six months, and the reason is, it's like, it does take time. But for this particular topic, you can, eight weeks, get your systems in place and really understand, like, is this the thing I want to do, and how do I do it right. So from the beginning, you don't have, like, oh, I'm undercharging that person. So now I've got to go back and tell them a new rate, even though I've been, you know, like we want to, we want to make sure it's, it's it's beneficial for everyone. So get on the waitlist, either on Tami's website or on prfit.biz/events. We'll get that taken care of. Tami, you are so wonderful. I mean, I'm so Brad and I just adore getting to spend time with you. We always learn new things. Your life is its own adventure. So I really hope, like, at some point you'll be a child author, which is like, The Adventures of Tami. You know what I mean? Like, I just feel like there's so many different things you could do, but can you give everyone some Be It Action Items, bold, executable, intrinsic or targeted, steps they can take to be it till they see it. Tami-Adrian George 39:50  Okay, this is one of my favorite things. And before I say, have to say, I love you and Brad so much. It has been the best adventure I have been on with the two of you, and I'm so glad. I'm so glad we're still having more adventures together. It's just fantastic. Okay, everyone has their phone and you set alarms on your phone for things that you don't particularly want to do. I set alarms on my phone randomly throughout the day that pump me back up. So where it says label, instead of putting wake up, walk dog, things like that. I put, how are you so amazing? I put, congratulations. You are crushing it. How are you doing this? That's what's on my alarm system. Oh, my God. I'm obsessed.Lesley Logan 40:37  I'm changing all I'm gonna have alarms just for no reason whatsoever. I don't even like being disturbed, but I'm gonna be it myself disturbed.Tami-Adrian George 40:44  Now, if I have to set an alarm because I have to wake up early I'm catching a flight, something like that, I will say, woo-hoo you're traveling today. Let's go. That's what it says while the alarm is going off. So when it goes off on your phone, instead of, oh my God, I have to be up and get on the flight. I'm like, oh yeah, I'm traveling. Let's go. Oh myLesley Logan 41:05  god, this is going to change my whole life, because I often wake up going, I don't know where I am and what day today is, but if my alarm didn't say wake up, it would say I could have it say something else, you know, like. Tami-Adrian George 41:14  You are in Singapore, aren't you lucky?Lesley Logan 41:20  Go get that coffee, babe. Go get it. I, this is a wonderful, wonderful because, you know, there's so many different things you want to remind themselves up. And if you're unable to have Post-Its all over your house, it could be alarms. What a cool way to do it.Tami-Adrian George 41:35  Because the reminders, if I set a reminder on my phone, I don't do it. Yeah, I don't. No.Lesley Logan 41:41  No, it's in my work or it doesn't get done. I don't need an alarm going. It's time to do this. Be like, ignore. Yeah, oh, I love, Tami, I love that. That's so everyone can do that right now. Okay, we ought screenshots of the alarm going off. We want them to send it to tami.pilates.rehab. We want you to send it to the Be It Pod. We want you to share this with a friend who needs to hear it. Maybe, if you are not a Pilates instructor who wants to go in-home, but you know someone who does, they need to hear this. Because, here is the deal, when your friends complain about how their life sucks, you have to listen. And you know those people, they repeat it. And what if? What if you could, you could change that. So then you guys could talk about what's exciting. Tami-Adrian George 41:42  I'll listen for you. Yeah, I'll listen to the complaints for you. Lesley Logan 42:03  Tami will listen. That's why we have people who are, like, in Agency, they're like, oh, my friends are with this. I'm like, why are you helping them? Not that I don't want you to be a generous person, but you invested in this. So you can focus on you. If they are unwilling to invest in themselves, in their business, you can be a great friend. You can be a great friend. And so, oh, it sounds like you've been working on that for a long time. Have you thought about getting help? Like, that's still helpful, that's still listening, but y'all, we have all been trained that, oh, we're not a good friend if we don't just like, do every like, give all the advice, no, you have to at sometimes, focus on you and be like, I'm here for you. And here are some resources that have helped me. Tami-Adrian George 42:59  I think you're being a better friend by saying, okay, you have to take action. I want you to take a step that is truly for you. I'm investing in me, and, God, I want to see you invest in you. Let's do that.Lesley Logan 43:11  Yeah. Oh, I love that. I love that. Obviously we could talk forever, because we do. We have so much fun. So, Tami-Adrian George, OPC teacher, incredible coach for in-service home, have skills, well-travel people and top, best of the game when it comes to helping people reach their goals and all that you do with your teaching. So thank you for being here. Everyone, how are you going to use these tips in your life? We want to know. Tell us and until next time, Be It Till You See It. Lesley Logan 43:39  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 44:21  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 44:26  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 44:31  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 44:38  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 44:41  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Watch along with SwimSwam as we livestream Day 3 finals of the 2025 World Championships in Singapore.

In this episode of the podcast we talk about starting Muay Thai, promoting, Muay Thai in Singapore and the legacy of Eminent Air gym. Muay Thai: The Complete Insider's Guide To Training Fighting And Business You can get your copy on Amazon here. 

Iniziamo questa puntata tuffandoci nei Mondiali di Singapore, dove Simona Quadarella raggiunge l'argento e il record europeo nei 1500 stile libero. Ne parliamo insieme a Simone Barlaam, atleta paralimpico e voce del Podcast "La quarta medaglia".Poi calcio, ma non solo, con Boris Sollazzo con cui parliamo della prossima stagione del suo Napoli. Convocato Leo Turrini, per fare un punto sulla Formula 1, e anche l'amico Andrea Zorzi.

In between a Blue Jays doubleheader against the Baltimore Orioles, Ailish Forfar and Justin Cuthbert kick things off with Sportsnet's Ben Nicholson-Smith (1:35). They discuss the breaking news surrounding the Jays acquiring Orioles RP Seranthony Domínguez and break down the swing and miss he brings to the lineup, where he is expected to slot in in the bullpen, and more. Then, to discuss the summer of Summer, Brittany MacLean-Campbell joins the show (27:13). They discuss Summer McIntosh's newest Gold Medals for Canada at the World Championships in Singapore, the biggest challengers in the sport, the growth of the sport, Penny Oleksiak's rule violation case, and much more. The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

New Zealand's Erica Fairweather has qualified third fastest for tonight's final of the women's 200m freestyle at the Swimming World Championships in Singapore.

New Zealand's Erica Fairweather has a shot at redemption following her shock disqualification from the 400m after qualifying third fastest for tonight's final of the women's 200m freestyle at the Swimming World Championships in Singapore.

New Zealand's Erica Fairweather has a shot at another world title following her shock disqualifcation from the 400m freestyle at the Swimming World Championships in Singapore.

Ever met someone who can literally help you breathe your way back to clarity?In this episode, I sit down with Anthony Abbagnano, a breathwork pioneer, spiritual teacher, and one of the most grounded and wise humans I've ever met. We talk about his childhood struggles, how he found healing through breath, and why helping others reclaim their inner power has become his life's work. Anthony opens up about self-forgiveness, the transition from mastery to mystery, and how real leadership starts with authenticity, not control. This was one of those deep, surprising conversations that stayed with me long after it ended.IN THIS EPISODE(00:00) What if breath could change everything?(03:10) How do you empower people to empower others?(06:20) Adrenaline, arguments, and why we're addicted to conflict(08:00) From mastery to mystery — what happens when achievement isn't enough?(10:00) Can you really love the parts of yourself you've spent years hiding?(13:00) Are you just wearing blankets of forgetting?(16:05) Why true leadership might mean disrobing, not rising(19:40) What if your pain could become your agency?(23:00) A paper bag, 20 breaths, and a life-altering moment(26:30) Birth, breath, and becoming whole again(29:15) How do you stay at peace when the world wants you in pieces?(33:40) What the younger generation is getting exactly right(38:00) Want real resilience? Stay in the discomfort a little longer(41:20) A simple Italian coffee ritual that might just change the worldAnthony AbbagnanoAnthony Abbagnano is a pioneering breathwork expert and founder of Alchemy of Breath, the world's top-rated breathwork institute. He has helped thousands transform their lives through free weekly Breathe The World sessions, Facilitator Training, and BreathCamp retreats at ASHA in Tuscany, Italy.Connect with Anthony ►Website: http://www.alchemyofbreath.com/Get his book on Amazon! https://www.amazon.com/Outer-Chaos-Inner-Anthony-Abbagnano/dp/1068228601YANA FRYYana is a global speaker, impact coach, wellness retreats facilitator, spiritual educator, co-author of three books, award-winning poetess, and truth illuminator who inspires, empowers, educates globally. She is the founder and CEO of Awaken Human, where she helps leaders worldwide to realise their highest potential and maximise their impact. Yana has been studying and teaching consciousness and wellbeing since she was 8 years old and has clients and students from 30+ countries. With decades of training and education in a variety of Western Methods and Eastern Philosophies, Yana became a living vehicle that teaches humans how to unlock their highest potential in both material and metaphysical worlds. She has also been professionally interviewing thought leaders and change makers all over the world since 2015 and became a founder of two successful content platforms, Singapore's leading independent talk-show YanaTV and a global podcast Timeless Teachings. CONNECT with YANA ►LinkedIn: https://www.linkedin.com/in/yanafry  Instagram: https://www.instagram.com/yanafryLinktree: https://linktr.ee/yanafryCheck out YanaTV - an independent and highly popular Singapore grown talk show that amplifies the voices of impactful and conscious people of Asia.==► YanaTV : https://youtube.com/@yanatvsg—Timeless Teachings by Yana Fry has been ranked among top 3 podcasts in Singapore in Spirituality. We talk about consciousness, human advancement, self-mastery and achieving full potential.

Our Head of ASEAN Research Nick Lord discusses how Singapore's technological innovation and market influence are putting it on track to continue rising among the world's richest countries.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Nick Lord, Morgan Stanley's Head of ASEAN Research.Today – Singapore is about to celebrate its 60th year of independence. And it's about to enter its most transformative decade yet.It's Monday, the 28th of July, at 2 PM in Singapore.Singapore isn't just marking a significant birthday on August 9th. It's entering a new era of wealth creation that could nearly double household assets in just five years. That's right—we're projecting household net assets in the city state will grow from $2.3 trillion today to $4 trillion by 2030.So, what's driving this next chapter?Well, Singapore is evolving from a safe harbor for global capital into a strategic engine of innovation and influence driven by three major forces. First, the country's growing role as a global hub. Second, its early and aggressive adoption of new technologies. And last but not least, a bold set of reforms aimed at revitalizing its equity markets.Together, these pillars are setting the stage for broad-based wealth creation—and investors are taking notice.Singapore is home to just 6 million people, but it's already the fourth-richest country in the world on a per capita basis. And it's not stopping there.By 2030, we expect the average household net worth to rise from $1.6 million to an impressive $2.5 million. Assets under management should jump from $4 trillion to $7 trillion. And the MSCI Singapore Index could gain 10 percent annually, potentially doubling in value over the next five years. Return on equity for Singaporean companies is also set to rise—from 12 percent to 14 percent—thanks to productivity gains, market reforms, and stronger shareholder returns.But let me come back to this first pillar of Singapore's growth story. Its ambition to become a hub of hubs. It's already a major player in finance, trade, and transportation, Singapore is now doubling down on its strengths.In commodities, it handles 20 percent of the world's energy and metals trading—and it could become a future hub for LNG and carbon trading. Elsewhere, in financial services, Singapore's also the third largest cross-border wealth booking centre, and the third-largest FX trading hub globally. Tourism is also a key piece of the puzzle, contributing about 4 percent to GDP. The country continues to invest in world-class infrastructure, events, and attractions keeping the visitors—and their dollars—coming.As for technology – the second key pillar of growth – Singapore is going all in. It's becoming a regional hub for data and AI, with Malaysia and Japan also in the mix. Together, these countries are expected to attract the lion's share of the $100 billion in Asia's data center and GenAI investments this decade.Worth noting – Singapore is already a top-10 AI market globally, with over 1,000 startups, 80 research facilities, and 150 R&D teams. It's also a regional leader in autonomous vehicles, with 13 AVs currently approved for public road trials. And robots are already working at Singapore's Changi Airport.Finally, despite its economic strength, Singapore's stock market had long been seen as sleepy — dominated by a few big banks and real estate firms. But that's changing fast and becoming the third pillar of Singapore's remarkable growth story.This year, the government rolled out a sweeping set of reforms to breathe new life into the market. That includes tax incentives, regulatory streamlining, and a $4 billion capital injection from the Monetary Authority of Singapore to boost liquidity—especially for small- and mid-cap stocks.We also expect that there will be a push to get listed companies more engaged with shareholders, encouraging them to communicate their business plans and value propositions more clearly. The goal here is to raise Singapore's price-to-book ratio from 1.7x to 2.3x—putting it on a par with higher-rated markets like Taiwan and Australia.So, what does all this mean for investors?Well, Singapore is not just celebrating its past—it's building its future. With smart policy, bold innovation, and a clear vision, it's positioning itself as one of the most dynamic and investable markets in the world.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 2  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Dr. Ganesh Anand is an Associate Professor of Chemistry as well as Biochemistry and Molecular Biology at The Pennsylvania State University (or Penn State University) at the University Park campus. He is also an elected Board Member of the International Society for Hydrogen/Deuterium Exchange Mass Spectrometry (HDX-MS). Research in Ganesh's lab examines molecular switches. He wants to know how molecules interact with one another and how they switch from one state to another. These tiny molecular switches act almost like electrical switches turning on and off the functions of different molecules. He also does research on viruses and how they change shape to infect their hosts. Beyond his scientific interests, Ganesh has also been passionate about music for as long as he can remember. He takes voice lessons now and enjoys singing in choirs in his free time. He received his bachelor's degree in pharmacy and his master's degree in biological sciences from Birla Institute of Technology and Science in India. Next, Ganesh attended Rutgers University where he earned his PhD in biochemistry. Afterwards, he conducted postdoctoral research as a Howard Hughes Medical Institute Research Fellow at the University of California San Diego. Ganesh served on the faculty in the Department of Biological Sciences at the National University of Singapore for over a decade before accepting a faculty position at Penn State where he is today. His lab is recognized as a Waters World Center of Innovation in Hydrogen/Deuterium Exchange Mass Spectrometry. Ganesh is founding member and former Director of the Singapore National Laboratory for Mass Spectrometry (SingMass) and the former Vice President of the Singapore Society for Mass Spectrometry. In this interview, he shares more about his life and science.

Coffee is the best - We check in with the Pittsburgh Scanner to see what is going on around Pittsburgh - Aaron Rodgers and Coach Tolmin at Steelers Camp - A little Mistakey Wakey on the spreadsheet - Happy Gilmore 2 was great and the Marvel MCU is officially back - We Power Rank the worst tv show endings of all time - Targets... facebook comments - Have anything for the show or want to say hi.. Send us a talkback message... Listen on iHeartRadio click the little mic and send us your messageSee omnystudio.com/listener for privacy information.

On this episode of The Chronicles of a Gooner, Harry Symeou looks back on Arsenal 3-2 Newcastle United. The two Premier League clubs met in Singapore as part of their Asian tours, we'll reflect on the highlights. We'll talk Max Dowman, Martin Zubimendi, Kai Havertz, Ricardo Calafiori & more. Plus, we'll react to Viktor Gyökeres' arrival as he was paraded in front of the fans in attendance ahead of kick-off. All that plus lots of your questions. Viktor Gyökeres Scouting Video: https://www.patreon.com/posts/scouting-session-131522551?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link Benjamin Sesko Scouting Video: https://www.patreon.com/posts/scouting-session-130983051?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link Martin Zubimendi Scouting Video: https://www.patreon.com/posts/scouting-session-132096321?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link Christian Norgaard Scouting Video: https://www.patreon.com/posts/scouting-session-132712509?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link Eberechi Eze Scouting Video: https://www.patreon.com/posts/scouting-eze-133324398?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link Noni Madueke Scouting Video: https://www.patreon.com/posts/scouting-noni-133883613?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link Cristhian Mosquera Scouting Video: https://www.patreon.com/posts/scouting-134270008?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link Support the podcast & access benefits by joining our Patreon page: https://patreon.com/thechroniclesofagooner?utm_medium=unknown&utm_source=join_link&utm_campaign=creatorshare_creator&utm_content=copyLink #arsenal #afc #transfers

Listen along with SwimSwam as we livestream Day 2 finals of the 2025 World Championships in Singapore.

Iniziamo questa puntata cercando di delineare il futuro della nuova Inter di Chivu. Lo facciamo insieme a Michele Dalai, mentre Niccolò Ceccarini ci aggiorna sulle ultime notizie di calciomercato. Proseguiamo dalle notizie che arrivano da Singapore, dove sono in corso i Mondiali di Nuoto: Martinenghi argento nei 100 rana, mentre Ceccon si ferma al bronzo nei 50 delfino. Ne parliamo con Giovanni Bruno di Sky Sport. Mentre con Pier Augusto Stagi commentiamo il finale del Tour de France.

Singapore luxury… with street food prices.

Recent U.S. law cements the role of stablecoins as a means of digital payment in the future of finance. Paul Henderson, Senior Portfolio Strategist at the BlackRock Investment Institute, shares what stablecoins are, how they're being regulated and what that could mean for their growth. General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BIIM0725U/M-4695703

Welcome back to another episode of the EUVC Podcast, your trusted inside track on the people, deals, and dynamics shaping European venture. This week marks a major milestone — Episode 50! To celebrate, Dan Bowyer, Mads Jensen of SuperSeed and Lomax from Outsized Ventures, and Andrew J. Scott return to unpack the headlines and trends shaping the European tech landscape.From the UK government's OpenAI partnership and what it means, to the missed boat on stablecoins, and to AI outperforming the brightest minds in math—this episode cuts deep into the future of tech, sovereignty, and competitiveness in Europe.Whether you're a founder navigating policy shifts, an investor eyeing infrastructure plays, or just an AI-curious policy wonk—this one's for you.Here's what's covered00:00 | Celebrating Episode 50The gang reflects on hitting a podcasting milestone and shares quick updates from Denmark, Paris, and a beachside founder retreat.03:30 | OpenAI x UK Government: A Real Deal?The UK's MOU with OpenAI is meant to boost public sector productivity—but is it too flimsy to matter? The hosts debate if this partnership is toothless signaling or meaningful progress.06:00 | Can AI Actually Transform Public Services?From “Humpfree the Chatbot” to NHS waitlists, the panel weighs in on the real-world use cases, and how opt-in AI diagnostics could solve the NHS backlog.09:30 | The Bigger Picture: AI Sovereignty and StrategyWith the UK relying on US players (OpenAI, Anthropic, Nvidia), are we compromising our digital sovereignty? Andrew drops the big question: Is this the modern equivalent of exporting raw strategic resources?14:00 | US vs UK AI Plans: Build, Baby, Build vs. Think, Baby, ThinkThe team compares the UK's thoughtful “consultancy-style” AI strategy with the US's aggressive, deregulatory action plan—complete with eagles and executive orders.19:00 | Policy Recommendations from the PodFrom national compute backbones and Buy-UK mandates to AI visa fast-tracks and sovereign LLMs — the panel proposes big ideas Europe should act on today.25:00 | Stablecoins: UK's Missed OpportunityWhile Japan, Singapore, and the US regulate stablecoins, the UK is just starting consultations. Why? And what's at stake?30:00 | Dollar Dominance ReinventedMads explains how stablecoins are reinforcing US economic control — and how UK hesitation risks long-term relevance in fintech.34:00 | Ideas for UK Leadership in StablecoinsCould interest-bearing stablecoins become London's new edge? Could we reclaim fintech innovation by embracing DeFi rails?38:00 | AI Wins Gold at the Maths OlympiadGoogle's DeepMind and OpenAI hit gold-level scores at the IMO. The gang discusses the leap in AI's creative reasoning and what it means for R&D, drug discovery, and Europe's scientific leadership.43:00 | Should Europe Build Its Own Sovereign Research Hub?From CERN-for-AI to training sovereign models, the crew asks whether public sector moonshots are the right way to compete.48:00 | Deal of the Week: Eurazeo's €650M Fund for AI ScaleupsIn a capital-constrained landscape, Eurazeo closes a rare growth fund to back Europe's AI champions.50:00 | Wildcard: AI vs. RaccoonsAndrew shares a niche but hilarious use case for computer vision AI: keeping raccoons out of houses. No joke.

Arsenal's second preseason game in Singapore resulted in a 3-2 win over Newcastle's ogres, but the main and unavoidable talking point was Hale End's latest 15-year old talent: Max Dowman.Join Gabby, Coach & Deen for coverage of the football, violence, and their extremely unsuccessful attempt to CALMLY discuss what they've seen from the aforementioned teenager thus far.Tap in!

Listen along with SwimSwam as we livestream Day 1 Finals of the 2025 World Championships in Singapore. 

Newcastle United battled hard in defeat at Arsenal, while Eddie Howe has offered an Alexander Isak update. Lee Ryder has the latest from Singapore. *** Sign up to Saily - https://saily.com/eibaw If you're going abroad and are worried about staying connect then you need an esim from Saily! Affordable and secure. Stay connected and support the podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

In a joyless world that is seemingly without contentment, today's interview was like a breath of fresh air!  Today you'll meet Wan Otto, yes, Jonathan Otto's mom.  She shares her story of religious persecution.  But more importantly, she shares her love of the Lord and how God saw her through in a most terrible time.  Looking back, she sees God's hands on it all.  Enjoy!Reach Out to Me:Website: www.dontignorethenudge.comPatreon: www.patreon.com/dontignorethenudgeIG: @dontignorethenudgepodcastPrivate FB group to WATCH interviews: www.dontignorethenudge.com/facebook__________________________________________________________________________________________Business/Personal Coaching with Cori:www.corifreeman.com(951) 923-2674

Max Pearson presents a collection of the week's Witness History interviews from the BBC World Service. Our guest is Dr Natalia Grincheva, an expert in cultural diplomacy from Lasalle, University of the Arts in Singapore. We start by hearing about when US president Bill Clinton was presented with a saxophone on a 1994 visit to Prague and he and the Czech president Vaclav Havel performed together on stage.Then, India's first female anthropologist, Irawati Karve.Twenty years on, the cousin of John Charles de Menezes, describes the day the unarmed Brazilian man was shot dead by anti-terrorism police in London.Plus, the discovery of the super-strong fibre Kevlar in 1965 which was used in bulletproof vests.And finally, 50 years on from the premiere of the Broadway hit A Chorus Line, an original cast member shares her memories.Contributors:Urmilla Deshpande – granddaughter of Irawati Karve.Patricia da Silva – cousin of Jean Charles de Menezes.Baayork Lee – Connie in A Chorus LinePlus, archive recording of Stephanie Kwolek, and material from the Vaclav Havel Center and the William J Clinton Presidential Library.(Photo: President Bill Clinton accepts a saxophone as a gift from a Belgian delegation in 1994. Credit: Luke Frazza/AFP via Getty Images)

In this episode James and I are in a hotel room in Singapore, and we discuss the time out here, and then Arsenal's pre-season win over AC Milan. We chat about Ethan Nwaneri and his first 45 minute performance, other individuals like Martin Zubimendi who we saw in an Arsenal shirt for the first time, and the youthful XI that finished the game, with two 15 year olds on the pitch at the final whistle. We also talk about the tour itself, answer questions about Mikel Arteta's tier system, Mikel Merino, further additions to the squad, and lots more.Get extra bonus content and help support Arseblog by becoming an Arseblog Member on Patreon: https://www.patreon.com/arseblog Hosted on Acast. See acast.com/privacy for more information.