Podcasts about HIA

Bringing you the BIGGEST aha moments all in one spot. This season, Gerry spoke about GAA, grief, limitations, mood boards, manifesting and so much more. These are the biggest moments. We hope you enjoy.This podcast is brought to you with thanks to HIA.ie

Macca and Fiona are joined live on air by Tim Reardon, Chief Economist at the Housing Industry Assoc (HIA), Is the government pulling on the right levers to when it comes to building more homes? Tim Reardon is the Chief Economist at the Housing Industry Association (HIA), where he leads the association’s economic research and policy advocacy for Australia’s residential building industry. In his most recent reports, Reardon identifies land supply as the primary constraint on Australian home building, rather than construction costs or interest rates.  Housing Industry Association | HIA +1 Land vs. Construction Costs: Since 2000, residential land prices have surged by over 500%, while construction costs and skilled labour have risen by approximately 150%. Infrastructure Taxes: He argues that government policies requiring developers to pay infrastructure fees upfront are “artificial” demand drivers that embed high costs into land prices, ultimately borne by home buyers. Cost of New Homes: HIA estimates that approximately $570,000 in various taxes, fees, and charges are embedded in the cost of a typical new house-and-land package.  Housing Industry Association | HIA +4 Releasing HIA's new report, Taxation of Housing and its Impact on Supply, Tim Reardon, Chief Economist of Housing Industry Association, said governments cannot make homes cheaper by taking more from them. “You don't fix a housing shortage by taxing housing harder,” Mr Reardon said. “And you certainly don't make homes more affordable by destabilising the tax settings that support new home construction.” The report finds that housing is already one of the most heavily taxed sectors in the Australian economy, with taxes applied at every stage of the housing lifecycle. Many of these taxes fall most heavily on new housing, directly increasing costs and reducing the feasibility of new projects. “The political reflex has been the same for decades,” Mr Reardon said. “First it was to blame investors. Then foreigners. Then foreign investors. Meanwhile governments quietly add more taxes, more charges and more costs to housing, and wonder why supply keeps falling short.” HIA's analysis shows that investors play a critical role in housing supply, commencing more than 40 per cent of new homes built in Australia, and an even higher share of apartments and rental housing. “When you discourage investors, you don't free up housing, you stop it being built,” Mr Reardon said. “Investors don't neatly switch from established homes into new construction when taxes rise. They leave the housing market altogether.” https://hia.com.au/our-industry/newsroom/economic-research-and-forecasting/2026/01/stop-taxing-housing-harder-if-you-want-more-homes-built-hia-warns?srsltid=AfmBOooQfowpfnhUyCDTwqExK1c2CmARBq5m-gcKQHUKra2ACDjQvc1g The post Sat, 21st, Feb, 2026: Tim Reardon, Chief Economist at the Housing Industry Assoc (HIA), Is the government pulling on the right levers to when it comes to building more homes? appeared first on Saturday Magazine.

For most of my career, I've been focused on two things: Operating businesses and Multifamily real estate. The strategy has been pretty simple. Take money generated from higher-risk, active businesses… and move it into more stable, long-term assets like apartment buildings. That shift—from risk to stability—is how I've tried to build durability over time. Now, to be fair, the sharp rise in interest rates a few years ago put a dent in that model. But zooming out, it's still worked well for me overall. So I'm sticking with it. That said, there are other ways to think about real estate. In some cases, the real opportunity is when you combine real estate with an operating business. We've done that before in the Wealth Formula Investor Club with self-storage, and the results were excellent. Storage is operationally simple, relatively boring—and that's exactly why it works. But there's another category that sits at the opposite end of the spectrum. Hotels. They're sexier.They're more volatile.And yes—they're riskier. But the upside can be dramatically higher. One of my closest friends here in Montecito has quietly built a fortune doing boutique hotels over the past few years. He started with a no-frills hotel in Texas serving the oil drilling industry. Over time, he combined his operational experience with his talent as a designer—and eventually created some of the highest-rated boutique hotels in the world. He's absolutely crushing it. Of course, most of us aren't world-class designers or architects. I'm certainly not. Still, his success made me curious. Hotels have been on my radar for a while now—not because I understand the business, but because I don't. When I asked him how he learned the hotel industry, his answer was honest: “I figured it out on the fly—starting with my first acquisition and a great broker.” That's usually how real learning happens. So this week on the Wealth Formula Podcast, I brought on an expert in hospitality investing to educate both of us. We cover the basics: How hotel investing actually worksWhere the real risks are (and where they aren't)How returns differ from multifamilyAnd what someone should understand before ever touching their first hotel deal If you've ever thought about buying or investing in hotels—but didn't know where to start—welcome to the club. You don't have to jump in tomorrow. But you do have to start somewhere. This episode is a good starting point. Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/545-should-you-invest-in-hotels/id718416620?i=1000748759003 Listen on Spotify: https://open.spotify.com/episode/5Lx5Rp4x704lWRazWLqDOK Watch on YouTube: https://youtu.be/GMFf6-g8w_0 Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, if you’ve not done so and you are an accredited investor, go to wealthformula.com, sign up for our investor club. Uh, the opportunity there is really to see private deal flow that you wouldn’t otherwise see because it can’t be advertised. And, uh, only available to those people who are deemed accredited. And then what does accredited mean as a reminder? Well, if you’re married, you make $300,000 per year combined for at least two years with a reasonable expectation, continue to do so, or you have a net worth of a million dollars outside of your personal residence. Or if you’re single like me, $200,000 per year or a million dollars net worth. Anyway, that’s probably, uh, most of you. So all you gotta do is go to wealth formula.com, sign up for investor club because hey, who doesn’t wanna be part of a club? And, uh, by the way, it’s a great price. It’s free. So join it. Just get onboarded and all you gotta do is just wait for deal flow. What a deal. Now let’s talk about different kinds of things to invest in. For most of my career, I, I have really focused on two things I’ve focused on. Either operating businesses, uh, in my case, those operating businesses largely have been medical and multifamily real estate. Uh, the strategy itself, theoretically the way I think about it, take money from sort of these active businesses, a higher risk, move them into more stable long-term assets like apartment buildings. Okay? The idea is that’s how you build some durability over time. Now, to be fair, okay, to be fair. Sharp rise in interest rates a few years ago. Put a little bit of a dent in that model. But here’s the thing is that you can’t throw out the, uh, baby with the bath water. ’cause when I zoom out, still worked well for me overall. So I’m sticking with it and, uh, that’s my story. I’m sticking with it. That said, there are always other ways to think about real estate, right? Real estate is not just multifamily. Um, in some cases, the real opportunity is when you combine real estate and operating businesses. So. We’ve actually done that before in our wealth formula investor club. Um, and we’ve done that through self-storage, for example, and the results were really good. Storage is operationally, generally pretty simple. Probably not that simple, but you know, but more so than other things, relatively boring. Boring is good, and that’s exactly why it works. There’s another category that sits at the opposite end of the spectrum of boring, and it’s sexier and it’s more volatile and it’s riskier. And uh, that is the area of hotels, right, like leisure, that kind of thing. But the upside in those things can be dramatically higher. You know, one of my closest friends here. Montecito, I talk about him all the time. He’s a, he is a little bit of an inspiration to me, although I wouldn’t tell that to in space. He’s built a fortune doing boutique hotels over the past few years and the way he started, you know, and I think it was only about a decade ago because he bought like this no frills hotel in Texas that was serving the oil industry. There was a bunch of guys, you know, drilling needed a place to say, and you know, he had this and he actually. I don’t know that I would recommend this, but he, he told me he bought it sight unseen just based on the numbers. Ah, man, I gotta tell you, I don’t think I’m that lucky. If I bought something sight unseen, it would not work great for me, but it did work great for him. But over time, what he did is he, he combined his operational experience with his talent as he’s like a designer, like designs, homes, an architect, uh, of sorts, although more than that. Um, and he, he used to build houses for like famous people in Hollywood. Anyway, he took that skill and so he combined it with hotels and he created some of the highest rated boutique hotels in the world. And he’s absolutely crushing it. Just crushing it. Of course, the reality is that most of us aren’t world-class designers or architects. I’m certainly not. I’m not artistic at all. Still, um, you know, the fact that he’s had so much success in this space and that he loves hotels. What got me curious? So, hotels have been on my radar for a while, not because I understand the business, but actually because I don’t. And when I asked him how he learned, uh, about the hotel industry, he just said, you know, I figured out on the fly and, uh, you know, started with my first acquisition, had a great broker who taught me everything I, you know, needed to know at the beginning and. That’s a great story. I mean, and ideally that’s how things happen. As you can tell, this guy is, uh, seems to just hit on everything. So good for him. So this week on Wealth Formula Podcast, I wanted to get a little bit of a hotel investing 1 0 1. So I brought on an expert in hospitality investing that could educate both you and me. So we’re gonna cover some of the basics, how hotel actually works, you know, what are the risks returns. Like, what should people do if they even consider, you know, buying their first hotel or investing in one? So if you’ve ever thought about investing, uh, in hotels, or maybe that’s the first time you’re hearing about it and you’re curious, uh, welcome to the club and uh, we will have a great interview for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Farm I podcast is, uh, John O’Neill. He’s a, a professor of hospitality management and director of the Hospitality Real Estate Strategy Group at Pennsylvania State University. Uh, he spent decades studying hotel valuation performance, Cabo flows and economic cycles in in the lodging industry. John, thanks for, uh, joining us. You’re welcome. So, you know, we’re talking offline. You’ve been in the hotel business for a long time. We’re trying to figure out how to frame this thing because you know, I mean there are, I know there are certainly people in. Uh, who in, in my group and my listeners, my community who are in the hotel space, but a lot of ’em aren’t. And you know, they’ve been thinking about, well, you know, we do a lot of apartment buildings, that kind of thing. Um, you know, what else should we be thinking about? And so, you know, when we hear, uh, hotel, um, they’re thinking of hospitality. But from an investor’s perspective, I guess the first question ask is what kind of real estate asset is a hotel? And, and may, may maybe just sort of fundamentally how different it is. From apartments office or retail? Yeah, that’s a great question because hotels are fundamentally different. But what I’ve seen over the past few years as well is hotels have increasingly been considered to be a component of commercial real estate. So we’ve always thought about office and retail and residential and industrial as being components of commercial real estate, but increasingly. Investors are thinking about hotels that way as well, because some of the high risk aspects of hotels have been moderated a little bit. So they are still considered to be a high risk and potentially high reward category, but they’re much more cyclical than those other types of businesses. So if we look at apartment leases, maybe being a year or two. Office leases may be being three to five years and retail leases could be five or 10 years. The leases in hotels are one or two nights, so there’s upside, but there’s risk involved in that as well. So when there’s pressure in a market to increase rates, like here where I am in University Park, Pennsylvania, when we have a home football game. We can see hotels with average daily rates of maybe a hundred to $200 a night charging seven, eight, $900 per night, and filling up on those rates. You can’t do that in an office building or in a retail center. And so there’s great opportunity when demand increases to push up rates and to greatly benefit from that. The flip side of courses on Sunday night when all those guests leave. You might be back to a hundred dollars a night and running 20 or 30% occupancy. Do hotels kind of follow the rest of real estate in terms of market cycles though? Yeah, it depends. I, I would say in many cases they’re actually leaders, which again, double-edged sword there. So for, yeah, when we plummeted in 2020 because of COVID hotels were probably the first category really to see it. Demand dried up overnight, and you go back to September 11th, 2001 on September 12th, 2001, a lot of hotels were empty and that wasn’t the case with office buildings and retail centers. The flip side, of course, is when the economy started improving, hotel operators could start pushing their rates very quickly. And so other categories of commercial real estate didn’t receive those benefits. Yeah, I mean, obviously there’s certainly gonna be. Real estate that’s often used that that’s often using debt and, you know, probably has the same sort of, uh, issues with regard to cap rate compression or decompression based on interest rates as well. Right, right. So, um, where are we? Right? What would you say right now, like, I mean, we know that. Our, we’ve been following very closely on the multifamily side. You know, prices are depressed. I mean, from 2022, we’re looking at probably 30% to 40%. Most, most, uh, large apartment complexes are not moving because people don’t wanna sell into a down market. But when they are, they’re being sold at 30, 40% discounts compared to 2022. Where is the, where is the hotel? Market at right now? It it, it’s challenged because right now we’re seeing discrepancies between where buyers wanna buy and sellers wanna sell. We’ve started to see some movement because some sellers have come down a bit in pricing because of what we’ve seen in 2025, the market really did soften as far as the hotel business is concerned. So in 2025. We really saw no increase in occupancy and in many markets we saw some decreases in occupancy. We are still seeing average daily rates going up a little bit, so yeah. Might be worth maybe a quick step backward that the two key indicators in terms of hotel lodging performance would be occupancy and average daily rate. With occupancy being the extent to which the guest rooms are occupied and average daily rate being the average price somebody is paying. We can talk about the mathematics of those, but, um, just I think conceptually, hopefully that makes sense. But, so, you know, at this point what we’re seeing is average daily rates are still going up a little bit, and the forecasts for 2026 are. Pretty much more of the same, where we’re not expected to see great occupancy increases, but we are anticipating that the average daily rates might go up a little bit. Uh, and, and in fact we might see occupancies decline slightly. And, uh, we might see, uh, average daily rates still possibly going up a little bit. That’s usually an indicator of being late in the cycle, you know, being somewhere near the peak and, and, you know, if the trough was 2020. Which was a pretty deep trough. 2021, we started seeing improvements and we saw great improvements in 22, 23, and 24, and so it’s looking like the end of a cycle. The thing we don’t really know for sure is, is there some reason that we’re going to really go into a substantial down period or are we actually in a situation where we’re going to have another upcycle? Yeah. You know, the other thing I was curious about too, like when you talk about these cycles for hotels, even within hotels, there are certainly, you know, different types of hotels. You know, there’s the boutiquey ones that are pe really pure tourism versus the ones that, okay, well maybe they are, you know, good for football games or. There’s others that are people use for, for, for work frequently, right? They’re, they’re just passing through for, for work trips. Do you, is there, um, is that difficult to extricate those types of different economies running at the same time? It’s not, I, I don’t know that it’s that difficult, you know, just to give you a little bit about my background, I’ve been a professor for some time, but prior to being a professor I worked for. Three of the four major hospitality organizations, namely Marriott, IHG, and Hyatt. Uh, and so going back into the 1980s when I was doing feasibility studies for proposed Marriott hotels, we, in most markets, analyzed three markets segments. And, and you essentially said what they are commercial business, which are your business travelers, leisure business, which are your pleasure travelers, and then groups, which includes conventions and, and those are still the three major market segments in most markets. In, in some markets. For example, if you’re approximate to a major international airport, there’s usually a fourth segment, which is that fourth segment is airline crew business, which is, is very different than the other three because. Whereas the other three go up and down throughout, not just the year, but throughout the week. Airline crew business tends to be stable throughout the year, so it, it, it’s in your hotel 365 nights outta the year. So it’s, it’s a very low risk, but also a very low rated market segment. So it, I don’t know if that’s that complicated, but it just needs to be broken out as you delineated it, which is that there’s. Three or four market segments in any market. And in terms of studying a hotel for development or for investment, it’s necessary to understand not just what’s going on on the supply side, in other words what’s going on in the hotels, but what’s going on in the demand side as well. So give you an example. I recently did a feasibility study in a market, which is a big pharmaceutical market. So I actually spent time with major pharmaceutical people talking about, where are you staying now? Why are you staying there? Are you a member of the Frequent traveler program? How does your business vary throughout the year? What rates are you paying? What facilities and amenities are you seeking? And things like that. So to really understand the demand because that demand segment. So important in that market. So it is ultimately a street corner business and what’s going on in a specific market in terms of the mix of commercial, leisure and group business and possibly other market segments. Really is something that we have to study in depth when we conduct a feasibility study or an appraisal for hotel. I, I don’t know if I mentioned, I’m a licensed real estate appraiser too, and although my licenses allow me to appraise any type of property, I only appraise hotels. Got it. Businesses fundamentally changed pre COVID and post COVID. I would assume that there’s probably less travel. Are you seeing impact? On those types of hotels from that kind of, you know, less travel, more zoom type activity. Yeah. And, and that’s a great, that’s a great follow up because with those market segments, although the segments are the same. The demand from each of those segments really has different, and, and as you said, it really changed substantially in COVID. It, it, it’s fascinating how once we were forced to use Zoom and, and other, you know, Microsoft teams and other technology like that, you know, we, we kind of did a kicking and screaming. But once we figured it out, we realized we didn’t get a lot done. Uh, now I spent last week in Los Angeles at America’s Lodging Investment Summit, and I go to this. Function every year, because I see many of the same people year after year, and the business cards might change, but it’s the same people involved in the hotel business, whether they’re brokers or investors or asset managers or consultants or appraisers. But in between. Each year I do a lot on Zoom with these people and you know, we can keep those relationships going. So it hasn’t eliminated, you know, in my personal case, my need to travel, but it has substantially reduced it. And I think a lot of other business people have seen the same thing. So if we look at the recovery since COVID, it was fascinating because the first market segment that recovered and recovered really strongly was leisure business and people, people see it as their right. To have a vacation and, and people were paying high rates, particularly in, in, in mountain locations and in beach locations. And so those rates came up really quickly. And then the group business followed. If people do wanna go to group functions like I did last week in la what has not recovered to the level of 2019 though is the business travel. Right. Interesting. So I, that’s probably a, uh, you know, and he, I can’t really see a particularly promising future for that Subsect either. Right. I think, in fact, bill Gates said it’s never going to be back to the, you know, he, he’s an investor in Four Seasons hotels, and he said it’ll never be back to the way it was in 2019. I don’t know if he’s right. I mean, because I, I still feel like we get a lot of things done. Face-to-face, person to person that we really can’t do in Zoom. I don’t think Zoom is great for establishing relationships. I, I still think that we need face-to-face, uh, personal contact. But, you know, that might be just my perspective because I’ve been working in hotels since I was a teenager and I’m really far from being a teenager now. And, you know, I, I’ve been indoctrinated in this philosophy of the importance of face-to-face contact. But yeah, you know, that might be generational. You with a younger generation. Yeah. Yeah, absolutely. Um, you know, just kind of going back to the difference differences, uh, with compared to other real estate hotels, ultimately the, one of the big differences, they’re operating businesses, right? I mean, they’re not that large. Apartment buildings aren’t, but they’re is I think, a specific sort of operational execution that matters a lot in hotels. So, you know, in invest, when investors are kinda looking at that, I mean, they, they should probably be not looking at it as nearly as passive as other real estate investments. Is that fair? I, I think that’s very fair because I think, you know, it, it shows what’s happened in terms of the market with real estate investment trust. Because I’ve sold my entire position in hotel real estate investment trust and, and as you probably know, if we look at real estate investment trust. Different categories in, in commercial real estate, hotels lag, which is fascinating because everything else we’ve been talking about explains why hotel returns tend to outperform other classes of commercial real estate. More volatility, but higher returns on average. If you can withstand the long period, uh, that you need to be an investor. On real estate investment trust, it’s the opposite. Hotels actually lag and, and I think it really is because of exactly what you’re talking about, which is that they really are like an operating business where there’s also real estate as opposed to a real estate play where it’s almost like there’s an annuity of rent that is very easily projected, uh, in hotels. You know, we, we. Project all the time how they’re going to perform. But you know, you know, I hope my projections are very good, but there’s always things that can COVID. For example, you know, now there’s a virus in, in India that you know might be coming and, you know, we don’t know, will this be substantial or will it be really minor in the Americas? We really don’t know. Uh, that won’t have a big effect on, on other classes of real estate investment trust, but. It could have a big effect in hotels, so, so the unknowns in hotels are very high. And then when you combine that with the fact that they are an operating business, which are very labor intensive and wage rates are going up. So the cost structure and the management of that cost structure becomes. Very important and the expertise of the hotel managers becomes very important. And so, yeah, like you say, other classes of commercial real estate or, or institutional real estate investments have an operational component. It’s much greater when it comes to hotels. So I actually have a friend who’s an, um, owns, uh, a few boutique hotels here in, in California, and he was telling me one of the things that he’s kind of worried about is, um, you know, they, they’re, they have some, um. Some mandates coming up with regard to, you know, minimum wage and, and all these things that, uh, hotel workers have to get, uh, give you just outta curiosity. I mean, most of my audience is not in California. I am, but have you heard about this? Can you tell us a little bit about those pressures? Yeah, I have heard about it. And there’s, there’s forces on the other side as well, namely the American Hotel and Lodging Association, which represents hotel owners, managers, and franchisers. And so they have a voice in these things as well. But the, the, the forest, particularly in places like California and, and in the west coast in general, we’ve seen it in Seattle as well. Um, you know, in, in terms of increasing minimum wages to rates that, that are shocking to me. Um, you know, that’s, that’s a big issue. You know, you don’t see it as much in the middle of the country, but you do see it on the coast and particularly in the, on the West Coast. So, you know, if we’re looking at projections, say into 2026 and, and perhaps beyond, we expect in many cases to be seeing higher growth in wage expenses than we expect to see growth in RevPAR, which is room revenue, preoccupied room, which is just occupancy times average daily rate. So the, the overall revenue is expected, at least in the short term, to grow more slowly. Than expenses and, and wages are really driving a lot of it. And then anything that’s affected by wages, so insurance, for example, property taxes, other expenses are really growing at this stage more than what we’ve seen in terms of revenue growth. So that’s, that’s a challenge right now. The, the question I think really then is how much will AI affect that and to what extent will guests become more comfortable with checking in? On an iPad type of a situation as opposed to seeing a person face to face, and there’s probably generational differences there. What it is forcing hotel operators to do is the same kinds of things that restaurant operators have been forced to do, which is find ways to use technology and actually have the guests face the technology and get the guests comfortable with that. In terms of things like check in and check out, you know, but still in hotels the rooms have to be cleaned and, and although there’s robots that. You know, they’re nowhere near what, where they need to be to actually clean Hotel guestroom jet, at least in any sort of economically viable way. But, you know, the long-term question is to what extent will the industry be adopting AI and other technology in order to address that issue? Because that’s what’s going to happen. It’s, it’s, you know, it’s not just going to be a situation where. The operators will accept paying higher wages and have the same number of employees in each hotel. Right. Um, branding, you know, sort of confusing to a lot of people. Not in the space, but you know, what role do hotel brands actually kind of play in, in protecting revenue and value? Um, and I guess when does a brand help an owner versus become a constraint? Yeah. You know, brands have been very important and, and I, I forget if I mentioned but of the, the big brand companies I’ve worked for three of them and, um. You know, they, they, they typically started as management companies. So originally companies like Hilton and Marriott primarily generated revenue through management fees. And so they own some of the real estate, although they’ve become asset light over the years and own very little, if any, anymore. Uh, but they do still manage hotels. So one thing that the brand companies do have is expertise in terms of management. That’s one of the fees that a branded hotel and a non-branded hotel would have as well, would be a management fee, which is usually expressed as a percentage of revenue. And sometimes there’s an incentive structure in there as well. But then there’s a franchise fee, which is just paying for the brand, and, and that’s usually as a percentage of total revenue, higher than the management fee. But what it does is it, it, it. Puts the property in a global distribution system, so the global distribution systems that brands like Marriott and Hilton and IHG and, and HIA have, uh, they. Generate heads and beds. You know, that’s, that’s the term we always, when I worked at Hyatt and Merritt, we always talked about heads and beds. Every night you’re trying to, trying to get people in the rooms. The brands do a lot to put heads and beds, you know, in a typical hotel with a good brand affiliation. Somewhere between probably a third and two thirds of the occupy rooms actually came in through the brand global distribution system, which historically was a toll free reservation system. And although the, you know, those still exist now, it’s really more of a focus on the online system and, and, and sometimes toll-free reservations and direct reservations. But, but that’s what the brand does. It, it, it ultimately is a generator of. So kind of just focusing on somebody who’s potentially thinking about hotels as an investment. So far, what I gleaned from you, and, and correct me if I’m wrong, is that timing probably isn’t perfect right now. We’re probably, you know, we’re probably in a, you know, a peak and you generally not a great idea to buy in peaks. Um. I personally, from what I understand, would stay outta California. You know, uh, you know, like my friend was saying that it was gonna make it very difficult for a lot of hotels to have their, you know, hotel restaurants even. And so he foresees like a lot of them having to close those down. Um, and then the, the next thing I think is, gosh, you really have to be cognizant of the, of the fact that, you know, work patterns are changing. And so maybe that’s not a good. Way to go, either. What other, what are some other big picture things that you think people ought to be thinking about as they evaluate the space? Yeah. Well, I think there’s a couple of things. One of which is. That is a street corner business. So it really depends on what street corner you’re in. Uh, I’ve done some research just on how hotels perform in university towns versus other locations because, for example, there are brands now called graduate hotels, which eventually was acquired by Hilton, uh, and, uh, scholar Hotels and, and these properties are university town hotels. They’re doing okay. You know, they’re, they’re doing okay. If you look at how universities operate, we’ve seen some Ivy League schools pay 60, $80 million or more just to make sure they keep that billion dollars a year coming in from the federal government that they, they get for research grants and, and we’ve seen, you know, look at what’s going on with NIL now in terms of, of university sports. Universities clearly are willing to. You gen willing to spend a lot of money to keep doing what they do, which is, you know, they, they generate a lot of research and I’m talking about. Big universities now, uh, you know, a lot of research and, and there’s a sporting business aspect to universities as well. So university towns are okay, and, and what I ultimately found in my research is they’re much less cyclical than the average. So, you know, we talk about the risk of hotels as things go up and things go down and things go up and down. That doesn’t happen as much in university towns. You know, big universities don’t close and, and don’t even substantially change their business model. So it really depends on, on where you’re located. And then there’s certain cities as well, you know, people, you know, I, I don’t have to go into detail about my last visit to San Francisco and how weird it was, and I was with students and, and told my female students don’t go out at night alone. I mean, it was, it was, it was really freaky, but. San Francisco now might be a place to invest. Now San Francisco probably has bottomed out. Uh, and the same might be true with New York. So, you know, it really depends on where you’re going. I, I think in general, yeah, you know, there’s, there’s concerns, but even so, you know, I think it’s still might be a good time to invest in. Good quality hotel companies, just, you know, in terms of the stock market and, and equity in, in businesses like Marriott and, and Hilton because their franchise fees and their management fees are a percentage of total revenue. So hotels that are not profitable, that are a member of those brand affiliations are still paying. Into those systems and you know, hopefully the goal is that these properties become profitable, but even while they’re not profitable, they owe franchise fees and in some cases management fees as well. So I think there are a lot of ways to still invest in the hotel business. It’s just what vehicles are being used and where. So, you know, it sounds a little overwhelming, um, for someone who, again, who’s new to the space. Any suggestions on how somebody might just learn more about this ecosystem and, you know, start to go down this path of potentially becoming, you know, a hotel investor? Yeah. Well, first thing is, you know, we talked about ai. AI is pretty good for helping people to learn. So if you wanna learn about the hotel business, you can go and have a really good conversation with chat GPT about what makes it click and where could the opportunities lie today. Uh, you know, I’ve gone over the past year from essentially not using AI at all to using it essentially every day. And so that’s a great way because that’ll access a lot of, there, there’s trade journals, for example, but it’ll access those things. Uh, the conference, like I went to last week, the America’s Lodging Investment Summit, which is in LA every year is a. Is a great place to learn as well. There’s, there’s wonderful sessions and that conference is attended by everybody from Anthony Capano, who’s the CEO of Marriott, down to people involved in real estate and investments in the hotels and, and who essentially make their living. Off of those as brokers, appraisers, consultants, asset managers and things like that. So, so there’s ways online to do it and there’s ways to do it actually by attending conferences as well. Yeah. A good broker as well. Right. I mean, you know, going back to my, my friend who, who’s become a very successful hotelier, the first one he bought, he threw a broker and he said he learned everything about hotels that he knows from that guy. Um. So that’s probably, it probably tells you something as well. Yeah. And, and there are some excellent hotel brokers. There’s some who are national in scope and some who are local in scope. So again, it depends on where you’re thinking you might wanna be investing. Uh, but, but there’s some great local brokers, but then there’s national firms like JLL and CBRE and Hunter, uh, that, you know, they have really good people who are very knowledgeable about the hotel business. Yeah. John, thanks so much for, uh, joining us here on Wealth Formula Podcast and giving us sort of an overview of the, uh, um, hotel, uh, real estate, uh, uh, asset class. You bet you make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed and again, uh, hey hotels. Think about it. I guess. Uh, I continue. I will continue to do so, uh, especially given my buddy’s success in this space. Um. Although, I will tell you, I probably am not a boutique hotel guy. Um, you know, I don’t, I don’t know that I could make it super fancy, you know? And then on the other hand, you hear about these, uh, hotels that are. For the people traveling through and they’re not doing this so great. So maybe wait till that we hit that, um, that trough that he was talking about, he said we’re kind of at a peak right now. Anyway, that’s it for me. Uh, this week on Wealth Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

'I'm in a long term relationship, we have kids and honestly things are fine. We get on, we're good parents, there's no big issue but I can't shake a feeling that sometimes I'm missing something. My relationship with my husband feels comfortable and safe, but sometimes it feels flat. I don't want to blow my life chasing some sort of an electric relationship that might not even be real. And I must admit that sometimes I find myself thinking about my ex...'Gerry and Georgie are back for a deep conversation about the ups and downs of long term relationships, how people can evolve together and how we can dig deep to do the work before giving up.Thank you HIA.ie for the support this season. 

In light of what is happening with the Beckham's, this episode couldn't be more relevant right now. This will help us understand family dynamics and the root cause of this particular problem that many families face.This listener who moved abroad feels conflicted between independence and her parent's need for control. Despite knowing the behaviour comes from fear and unresolved issues, judgement leaves them doubting themselves. They feel torn and felt compelled to get in touch.Gerry introduces his A–C–E framework (Accept, Change or Exit), offering practical ways to set boundaries, shift emotional patterns and build relationships rooted in compassion rather than resentment.Thank you to the HIA.ie for supporting Better Days.

'I carry a quiet belief that some people are allowed to be seen to want things and to take up space and others like me should stay small. I see people openly chasing dreams, building businesses, having public profiles, naming what they want without guilt. Meanwhile, I question myself, am I allowed to want this, to be visible, to go after something simply because I want it? My soul feels like it's pushing me to be seen, heard and trust my desires without shame.'In this episode Gerry and Georgie have a deep conversation about self worth and how to go after the life we dream about. Thank you to the HIA.ie for all the support this season.  

'We've lost someone deeply important to us and the way each of us is grieving couldn't be more different. Some of us want to talk constantly. Some of us don't and it's becoming harder to coexist without tension. Now we feel towards each other. Small things turn into arguments because underneath it all we're all hurting just in different ways. I find myself thinking, why can't I cope like them? Or why can't they see how hard this is for me? Then I feel guilty for thinking that. I can't stop thinking about my mum who has died. What would she think?'Thank you to the HIA.ie for supporting Better Days this season.

'We've lost someone deeply important to us and the way each of us is grieving couldn't be more different. Some of us want to talk constantly. Some of us don't and it's becoming harder to coexist without tension. Now we feel towards each other. Small things turn into arguments because underneath it all we're all hurting just in different ways. I find myself thinking, why can't I cope like them? Or why can't they see how hard this is for me? Then I feel guilty for thinking that. I can't stop thinking about my mum who has died. What would she think?'Thank you to the HIA.ie for supporting Better Days this season.

QUESTION OF THE DAY: What was your favourite year of school? Producer George has had a slow week after the long weekend, so the team give him a surprise rugby HIA. Play along and see how you go! Spida's phantom poo bandit is revealed, Leisel gets weird with a snack combo for the guys & we chat to young gun Ironman Ethan Callaghan about the Shaw and Partners Iron Series final on this weekend!See omnystudio.com/listener for privacy information.

Send us a textPolicy shifts, lived experience, and modern tech meet in a conversation that makes hearing health feel urgent, hopeful, and actionable. We sit down with HIA executive director Bridget Dobyan to connect the dots between 2026 advocacy priorities, the real value of professional care, and what the latest MarketTrak 2025 data tells us about adoption, satisfaction, and consumer behavior. From state-level licensing updates after the OTC rule to federal student loan reforms that shape the workforce pipeline, we map a clear path for clinicians and consumers to navigate change with confidence.Bridget shares a practical playbook: invite lawmakers into your clinic during district work periods, show them the full care journey, and partner with AAA, ASHA, ADA, Listen Carefully and IHS to align messaging. We dive into why the timeline to seek help is shrinking, how satisfaction remains high for both devices and professionals, and why many OTC users say they would have benefited from clinical guidance on assessment, selection, and troubleshooting. This isn't theory; it's data-backed insight that reinforces the power of counseling, empathy, and real-world fine-tuning, even as AI tools evolve.You'll also hear how HIA's man-on-the-street campaign blends humor and education to make hearing health relatable at every age. A new mother finds comfort in newborn screening; a new hearing aid user lights up about Bluetooth streaming and wishes he hadn't waited. These stories counter fear with possibility, positioning hearing care as part of total health—supporting communication, safety, and cognitive well-being. If you're a clinician, you'll leave with steps to boost advocacy and awareness. If you're a listener on the fence, you'll see how earlier action leads to better outcomes.If this resonates, follow the show, share it with a friend who's been “waiting to hear better,” and leave a quick review with your biggest takeaway—we read them all.Omega AI hearing aids don't just keep up. They redefine what it means to be modern and discreet yet durable and comfortable for all-day wear.They're waterproof, everyday-proof, and designed to go the distance of your day and then some. All while tailored to your unique hearing needs. Connect with the Hearing Matters Podcast TeamEmail: hearingmatterspodcast@gmail.com Instagram: @hearing_matters_podcast Facebook: Hearing Matters Podcast

Why do I keep myself small and how can I step out of my comfort zone into the life I dream of?This podcast is brought to you with thanks to HIA.ie

In light of what is happening with the Beckham's, this episode couldn't be more relevant right now. This will help us understand family dynamics and the root cause of this particular problem that many families face. This listener who moved abroad feels conflicted between independence and her parent's need for control. Despite knowing the behaviour comes from fear and unresolved issues, judgement leaves them doubting themselves. They feel torn and felt compelled to get in touch. Gerry introduces his A–C–E framework (Accept, Change or Exit), offering practical ways to set boundaries, shift emotional patterns and build relationships rooted in compassion rather than resentment. Thank you to the HIA.ie for supporting Better Days.

'I'm in a long term relationship, we have kids and honestly things are fine. We get on, we're good parents, there's no big issue but I can't shake a feeling that sometimes I'm missing something. My relationship with my husband feels comfortable and safe, but sometimes it feels flat. I don't want to blow my life chasing some sort of an electric relationship that might not even be real. And I must admit that sometimes I find myself thinking about my ex...'Gerry and Georgie are back for a deep conversation about the ups and downs of long term relationships, how people can evolve together and how we can dig deep to do the work before giving up. Thank you HIA.ie for the support this season. 

'I've been in a deep state of burnout. In April, I went on an amazing trip with a close friend. Everything was good. A few months later, we went out for my birthday with two friends. I thought a night out might lift me, but it actually made me feel worse. I got so overwhelmed that I left without saying goodbye. The next day I sent my friend a message explaining what had happened, but she couldn't understand where I was coming from. Things spiralled from there and I ended up losing that friendship. More recently, I snapped at my mum. I apologised and she accepted it, but a few days later I texted her explaining how overwhelmed I feel. She read it and didn't reply. I've been under so much pressure. It feels like I'm losing people I count on. I have big emotions and sometimes I react from a place of overwhelm. I don't want to change who I am, but I can't help wondering if this is all my fault.' In this episode, Gerry unpacks burnout, emotional overwhelm and the patterns that keep repeating when our nervous system is dysregulated. Together, Georgie and Gerry discuss emotional regulation, the courage it takes to change, and why self-awareness is the key to healthier relationships. This episode is a compassionate but challenging invitation to stop looking outward for answers and begin the real work within, so you can reconnect with yourself and, in turn, the people you love.Thank you to HIA.ie for the support this season.

Do you have a solution, idea, or dream that could help solve the housing crisis? Register for the HIA's competition in Charlotte, North Carolina by December 12th! “We're working to bring the best ideas to life, as quickly as possible.” In this conversation, Devon Tilly and co-host Dennis Steigerwalt chats with Bobby Vance and Richard King about affordable housing, solar powered cars, and the Housing Innovation Challenge!  Our co-host Dennis is active in all things real estate with a specific focus on innovation in the residential development and homebuilding ecosystems. He is a ULI Residential Neighborhood Product Council member, a Professional Builder 40 under 40 recipient, and an active member of Geek Estate. In his spare time he enjoys big adventures with his wife and sons on the water and in the mountains. Dennis is the president of the Housing Innovation Alliance, a future oriented community for production homebuilding. The Housing Innovation Summit is the best place to get engaged + connected where you'll gather insights + have a voice at each turn. During Richard King's thirty-year career at the U.S. Department of Energy he initiated solar car racing in the United States, was a member of International Solar Car Federation, and in 1999 created the Solar Decathlon, an award-winning international competition to design and build solar-powered, sustainable houses. Richard King established Creative Energy LLC to provide promotion, support and planning for design competitions that advance technology, increase sales and improve quality of life. As an architect, educator, and researcher, Bobby Vance bridges theory and practice, advancing design and construction innovation through academic and professional channels. He is an Assistant Professor in Building Design and a Fellow in the Center for Design Research at Virginia Tech. Through founding Vance Design Company, co-directing the Housing Innovation Challenge, and leading the award-winning FutureHAUS Dubai team, he has integrated interdisciplinary expertise, emerging technologies, and community-driven engagement. Vance's research centers on industrialized off-site construction, with particular emphasis on modular and prefabricated systems that advance affordability, resiliency, and innovation. He fosters an inclusive learning environment where diverse perspectives are celebrated, students are empowered to take creative risks, and emerging technologies - modular construction, digital fabrication, and AI - serve as tools to prepare the next generation of designers to lead in an evolving profession. Keep up with the Art of Construction (AOC) podcast on Instagram, Facebook, and LinkedIn! Subscribe to us and leave us a review on Apple Podcasts or Spotify!

Health insurance costs are set to rise again as the HIA plans a 10% increase in the levy that funds subsidies for older and higher-risk customers.With premiums already climbing, we ask: what will this mean for the 2.5 million people with cover, and is the system fair?Joining guest host Anna Daly to discuss is Dermot Goode, Health Insurance Expert with Health Insurance Ireland, as well as listeners.

Colby Haggard with Hope is Alive! This is another amazing opportunity to give back. Fortunate to meet with him when he found our OKC OCF - Oilfield Christian Fellowship Oklahoma City Chapter gathering, helping grow his network of support. hopeisalive.net - #HopeIsAlive A holistic, wrap-around approach for addicts and their families. Hope is Alive is dedicated to transforming lives impacted by addiction through a holistic approach that includes recovery homes in six states, an innovative Healing Center for personalized recovery support, and compassionate support groups for families and loved ones through Finding Hope. HIA's Hope After Loss program helps individuals process grief from losing loved ones to addiction, while Retreads Thrift offers a way for the community to give back, with all proceeds supporting our mission. Through HIA's School Support Program, we educate students and serve alongside teachers, parents, and staff to help address the issues with alcohol and drugs head-on. #charity #networking #fundraising #oilgas #energy

Hugo Inglis is a four-time Olympian with New Zealand. For over a decade, he scored goals at the very top of international elite Field Hockey. Nowadays, Hugo is a co-founder of High Impact Athletes (HIA), a global movement empowering athletes to fund the world's most effective climate and social solutions.  Under his leadership, HIA has grown to over 220 athletes across 48 sports and 34 countries, collectively driving almost $2 million in donations, improving almost half a million lives, protecting nearly 7 million animals and mitigating more than 600,000+ tonnes of CO₂e.  Grounded in science, technology, and storytelling, Hugo is committed to turning sport's cultural power into real-world impact.  

On today's episode of The Agenda, Finn Caddie returns to join ACC Head G Lane to discuss failing his HIA test after a massive two-day bender and getting KO'd on the footy field (00:00)...WATCH THE FULL EPISODE ON OUR YOUTUBE CHANNEL HERE! Then the fellas get into the Black Caps getting absolutely pounded by the English in Christchurch (06:30) and replay Matt Heath's horrific commentator's curse (11:30)... Plus, they chat about the NBA season that tips off tomorrow and Mashy has a special announcement (14:30)...Finally, they get to your feedback in 'Yours Please' (19:40)...GET YOUR TICKETS TO THE AGENDA & BYC LIVE PODCAST HERE! Did you know that we've launched a new Facebook Group called 'The Caravan' JOIN HERE!Brought to you by Export Ultra! Follow The ACC on Instagram or Facebook or TikTok Subscribe to The Agenda Podcast now on iHeartRadio, YouTube, or wherever you get your podcasts! iHeartRadio Apple Spotify YouTube THANKS MATE! See omnystudio.com/listener for privacy information.

In this episode of the HMO Property Show, host Neil Gibb welcomes back Michael McGowan from the HIA to discuss the current state and future of the building industry.

Hugo Inglis is a four-time Olympian and former international field hockey player for New Zealand, having represented his country at London 2012, Rio 2016, Tokyo 2020, and Paris 2024. With over a decade of experience at the highest level of sport, Hugo has increasingly turned his focus to driving positive global impact beyond the field.In pursuit of that mission, he co-founded High Impact Athletes (HIA) alongside fellow Olympian Marcus Daniell. HIA is a nonprofit organisation that connects professional athletes with the world's most effective, evidence-based charities, empowering them to support high-impact causes such as global health, poverty alleviation, and climate change mitigation.---- Please subscribe to the Sports for Social Impact Podcast wherever you get your podcast! Leave us a review and a 5 star rating to help bring others in the world of sports into the conversation! The Sports for Social Impact podcast was nominated for a Sports Podcast Award and Canadian Podcast Award.Send us an email at ⁠⁠sportsforsocialimpact@gmail.com⁠⁠ Linktree: ⁠⁠https://linktr.ee/sportsforsocialimpact⁠⁠Linkedin: ⁠⁠https://www.linkedin.com/company/sports-for-social-impact⁠⁠Follow us on Instagram (@SportsSocImpact) Follow us on Substack: ⁠https://substack.com/@sportssocimpact⁠Visit our website at ⁠https://www.sportsforsocialimpact.com/⁠

We talk with Jocelyn Martin the Managing Director of HIA about Australia's migration has hit nearly 500,000 people a year. The housing supply is under extreme pressure, driving up rents and property prices. We break down the builders situation across the country and the what that means for new homes coming. ► Record A Message  https://www.speakpipe.com/realestateradio ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com    The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour.     #PropertyInvestment #RealEstateInvesting #FirstTimeInvestor #PropertyManagement #RentalYields #CapitalGrowth #RealEstateFinance #InvestorAdvice #PropertyPortfolio #RealEstateStrategies #InvestmentTips #AssetProtection"   #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty  #adelaideproperty #canberraproperty #goldcoastproperty #hobartproperty  #RealEstate #HousingCrisis #Australia #OffGridLiving #SustainableHomes #SydneyArchitecture #InterestRates #HomeLoans #RealEstateNews #MortgageTips #PropertyMarket #FinanceAustralia #BrisbaneInvesting #TownPlanningAustralia #SubdivisionTips #RealEstateDevelopment #adelaide #BrisbaneRealEstate #TheGapBrisbane #PropertyInvestment #Harcourts #RealEstatePodcast #BrisbaneSuburbs #AustralianProperty #MelbourneRealEstate #FirstHomeBuyer #InnerWestLiving #Yarraville #Seddon #Footscray #PropertyAdvice #CairnsProperty #RegionalBoom #QueenslandRealEstate  #AussiePropertyMarket

A state lawmakers is pushing for more transparency in health care costs. Pittsburgh wants to restrict where vape shops can pop up. If you see a bunch of emergency service workers at HIA, don't panic. Lastly, dust off your lederhosen and wash your stein — Oktoberfest is almost here.

The Coffee Club from Tuesday August 19th, 2025.  Guests include Meghan Widmer  of HIA and Mariah Prussia with Define the Fight.

It’s Adam Peacock, Nathan Hindmarsh, Jason Demetriou and Michael Chammas for this week’s Saturday Scrum. Michael Chammas breaks down his football Semi-Final victory last night for the team. We go in-depth on the Roosters big win over the Bulldogs, the Dragons stoic loss after three players were ruled out with HIA, and Harry Grant’s gamesmanship on Thursday against the Panthers. Mark Bosnich swings by to chat about the Eels, and the EPL kicking off tonight. Plus where will Tino Fa’asuamaleaui land? Are Samoa now favourites for the World Cup with Payne Haas defecting from Australia? Tony’s Quiz, Ask Hindy and Believe It Or Not? rounds out the show.See omnystudio.com/listener for privacy information.

It’s Adam Peacock, Nathan Hindmarsh, Jason Demetriou and Michael Chammas for this week’s Saturday Scrum. Michael Chammas breaks down his football Semi-Final victory last night for the team. We go in-depth on the Roosters big win over the Bulldogs, the Dragons stoic loss after three players were ruled out with HIA, and Harry Grant’s gamesmanship on Thursday against the Panthers. Mark Bosnich swings by to chat about the Eels, and the EPL kicking off tonight. Plus where will Tino Fa’asuamaleaui land? Are Samoa now favourites for the World Cup with Payne Haas defecting from Australia? Tony’s Quiz, Ask Hindy and Believe It Or Not? rounds out the show.See omnystudio.com/listener for privacy information.

I applaud the Warriors for picking up two points last night against the Dragons. Applauding the points. That's about it. Sure, there were meritorious efforts from some individuals, some masculine grind was shown, but the effort was marred by sloppy mistakes, terrifying concentration lapses, and an inability to put away a team reduced in numbers through HIA protocols. If I was being a stern father, I'd say the Warriors didn't win that, the Dragons lost it. But the rot has been temporarily stopped. But does rot, like rust, ever sleep? Herald league scribe Michael Burgess used the term winning ugly, apt, because two points is two points, regardless of the manner in which they were collected. The much celebrated, indeed required, top four spot is theirs, with three teams well outside of the eight to come, destiny is in their own hands. The question is what has this team retrieved from their calamitous last few weeks which dragged their confidence through the mud and severely tested their depth across numerous positions? To reach deep into the uncomfortable reality of an elongated results skid, and sit with the pain, will be instrumental in their next three matches. They have shown just enough to suggest that they can keep the barbarians from the gate and hit the finals ground running with flames licking at their feet, but those flames may well burn them beyond recognition if they stumble in their dash to the end. Like most Warriors seasons —or games— the fans will be tortured with possibilities to the last. There is no such thing as a comfortable game in Warriors-land, this reality won't cease. As the Mad Butcher titled his book: What a Ride, Mate! See omnystudio.com/listener for privacy information.

James Graham, David Riccio & Adam Peacock are in for a massive recap of an insane round of footy. The guys talk the Cowboys awful run, the pressure on Todd Payten, the Roosters DCE buyers remorse & we debate if coaches are using the HIA to rort interchanges. See omnystudio.com/listener for privacy information.

James Graham, David Riccio & Adam Peacock are in for a massive recap of an insane round of footy. The guys talk the Cowboys awful run, the pressure on Todd Payten, the Roosters DCE buyers remorse & we debate if coaches are using the HIA to rort interchanges. See omnystudio.com/listener for privacy information.

The Pennsylvania Public Utility Commission is urging residents to brace for higher electric bills this summer. There’s a growing nationwide coalition to advocate for federal research funding, including to universities like Penn State. The Trump administration has canceled hundreds of already approved research grants and proposed cutting indirect costs for overhead. The African American Chamber of Commerce of Pennsylvania, New Jersey, and Delaware wants to make sure its members are prepared for the big influx of tourists expected to flood the region next year for the nation's 250th birthday. Harrisburg International Airport is reporting its busiest month on record. More than 150-thousand passengers flew through HIA in June, marking a 7% increase over the previous record set back in 1997. The Susquehanna Regional Police Department is the latest law enforcement agency applying to assist U.S. Immigration and Customs Enforcement, or ICE. A new report on voting machines in Pennsylvania shows they're highly accurate and rarely malfunction. A member of the NFL champion Philadelphia Eagles is saying "thanks but no thanks" to an invitation to join Donald Trump's Council on Sports. Public media's federal funding has been revoked. Your support is now more vital than ever. Help power the independent journalism and trusted programming you find on WITF by making a gift of support now at www.witf.org/givenow. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Matty & Cooper discuss no panic for Raiders & Dogs, then Cleary's final few minutes. Plus Cooper proposes new system for HIA rulings.See omnystudio.com/listener for privacy information.

This podcast description was blatantly written by AI... In today's episode: it's 'Every Caller Wins' Ed Sheeran tickets frenzy! We set Dan a challenging task to learn a famous Punjabi verse from a hit Ed Sheeran song, and we call in the experts to judge his performance. Meanwhile, Clint faces a hilarious and somewhat awkward intervention regarding a questionable proposal he allegedly made to his wife, Jamie, during her labor. We also dive into the importance of HIA tests with insights from former NRL player Chad Townsend, and take a trip down memory lane with highlights of the week. Don't miss the fun-filled chaos, massive giveaways, and a touch of heartfelt moments! 00:00 Introduction and Welcome05:30 Heartwarming Stories and Personal Moments21:22 Fun and Games: Who Dares Dan36:35 Ticket Giveaway Excitement39:48 Producer Diaries45:14 Clickbait Headlines and Funny Stories59:30 Clint's Labor Story Intervention01:08:28 Carla's Wedding Cold Feet01:12:23 Warriors Game and HIA Test Challenge

Chris Jones and former Lions and Wales wing Alex Cuthbert give their on the whistle reaction as the Lions faced a test against the First Nations and Pasifika XV in Melbourne. It was a tight match but the Lions had the edge in the end – in what was an exciting 80 minutes at Marvel Stadium.Alex and Chris dissect what went right on the pitch – especially the first ten minutes for the visitors - and where improvements could be made with some set pieces not ‘clinical' enough on the night. Captain Owen Farrell gets a shout-out as does Darcy Graham who made his debut, scored a try then went off the injured - and the guys get the latest on Marcus Smith's HIA. Alex also receives some gifts from some fans at the ground and tells Chris what it's really like playing golf with some actual wallabies!

Brenda Iverson with HIA, Hearts In Action, shares details of the event for HIA Heather’s House — North Dakota’s First Free-Standing Hospice House.See omnystudio.com/listener for privacy information.

Did you know that for the first 15 years of your mortgage, you're working mostly for the taxman, not your future wealth? It's a startling claim, but one backed by data from the Housing Industry Association — and it sheds new light on why housing affordability is getting worse, not better. Today, I'm joined by Tim Reardon, Chief Economist at the HIA, to unpack this extraordinary insight. We explore how government taxes and regulatory charges are silently front-loading the cost of home ownership, inflating house prices, and burdening Aussie families before they've even laid a brick. And while there's some good news on the horizon — with interest rate cuts expected to drive a recovery in home building — the longer-term challenges are immense. Think taxes, planning bottlenecks, and a construction industry on its knees due to chronic underbuilding and workforce shortages. Whether you're a property investor, homeowner, or policymaker, this conversation will leave you thinking differently about the hidden forces shaping the housing market — and why just building more homes won't be enough.   Takeaways  ·         The first 15 years of mortgage repayments primarily cover taxes. ·         Approximately 50% of the cost of a new house is attributed to taxes and fees. ·         Government policies significantly impact housing supply and affordability. ·         Subsidizing first home buyers does not address the root causes of housing unaffordability. ·         The 1.2 million homes initiative requires substantial policy changes to succeed. ·         Foreign investment is crucial for increasing housing supply. ·         Build-to-rent projects are not currently providing affordable housing options. ·         Interest rates directly influence the volume of new home building. ·         Labor availability is a significant challenge for the construction industry. ·         Policy reforms are necessary to improve housing supply and affordability.   Chapters  01:12 Understanding Mortgage Repayments and Taxes 04:54 Challenges in Housing Supply and Infrastructure 09:00 Government Schemes and Their Limitations 10:39 The 1.2 Million Homes Initiative 14:41 The Future of Build-to-Rent Projects 17:01 Market Dynamics and Housing Affordability 20:27 Structural Challenges in the Housing Industry 23:18 Conclusion and Future Outlook   Links and Resources: Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2025 and beyond   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Michael Yardney – Subscribe to my Property Update newsletter here  Tim Reardon HIA Chief Economist  Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Just when things look like turning at Wests Tigers, we seem to end up back in the doldrums. As things stand, there's not much to be happy or optimistic about, and yes, that does come through on this edition of the Wests Tigers Podcast. After surrendering to an under-strength Manly at Brookvale Oval on Friday night, Wests Tigers fans are now braced to lose another young prospect, Tallyn Da Silva. Reports say the young hooker, touted by former coach Tim Sheens as a generational talent, has played his last game for us. But, in true Wests Tigers fashion, we really could use him, at least this weekend, with Api Koroisau being unavailable due to a failed HIA. Up for discussion on this edition of the podcast is the logic of letting Tallyn go to another club mid-season (although we struggle to find much logic in it). The effects of letting players walk mid-season with nothing or very little in return. We ask, why should the club's loyal members keep tipping in their hard-earned cash when the club consistently gives up on seasons at the mid-way point? And will the team, after six straight losses, now drop its bundle completely? Or, will there be a turnaround? There's a strong list of 'One Word' submissions from the Wests Tigers Podcast Forum, ranging from "Depressing" to "Confused" and 'Groundhog Day". Despite the woes, there are a couple of positives discussed, including another win for the NSW Cup team and the performances of the Fainu brothers on Friday night. Eddie has a new game to bring us as well. Unfortunately, it is another post-loss edition of the Wests Tigers Podcast, but we hope that you do enjoy it. Please don't forget to join the discussion on everything Wests Tigers on the Wests Tigers Podcast Forum. Hope to see you there!See omnystudio.com/listener for privacy information.

Things were looking pretty bleak for Wests Tigers fans after about an hour in Townsville. However, trailing by a significant margin, the boys managed to regain some respectability with a late surge that fell just four points short. On this edition of the Wests Tigers Podcast, Joel Helmes, Garry Watson, Steve Stretton, and Nick Hayes try to make sense of the 32-28 loss. There were some worrying signs, there were some classic Wests Tigers-only moments, and then some real flair and potency in attack. So, where exactly are we as a football team? There's also a look at some of the promising performances from individual members of the team, including Starford To'a, Tony Sukkar, and Charlie Staines. But what about the new five-eight?! Heath Mason grabbed that number 6 jersey and did a lot right, both with the ball and in defence. So, what do with do with Latu Fainu this week? The boys try and answer that question on this edition of the pod. There are, of course, lots of 'One Word' submissions from members of the Wests Tigers Podcast Forum, including one that brings up a left-field coaching suggestion. 'Peter A' from the forum reckons we should make a coaching change and bring in the former Eels coach, Brad Arthur. Another discussion on the podcast circles the refereeing, and we ask the question - does Benji need to burn $10,000 to get some respect from the officials? Or, as some members of the pod believe, are we ultimately responsible for the way we get treated by the referee? There's also some good news from the lower grades with wins recorded over the weekend. The question is, is there anyone we can call on to replace the HIA-affected Alex Twal? Yes, it's another post-loss edition of the Wests Tigers Podcast, but we hope you enjoy our take on things, and don't forget you can join the conversation now on the forum.See omnystudio.com/listener for privacy information.

In this episode Billy and Emma recap episode 10 of Your Sky. They talk about how Real and Hia's relationship progressed. And speculate how Teerak's parents will react to Muenfah.

In this episode Billy and Emma recap episode 9 of Your Sky. They talk about how Real and Hia's fight could be solved with honest communication. And talk about all the fluff Muenfah and Teerak have.

Send us a textBridget Dobyan, Executive Director of the Hearing Industries Association (HIA), joins us to share her remarkable journey from childhood hearing loss to becoming a powerful advocate for hearing health policy. Diagnosed with cholesteatoma at age 8, she experienced sudden hearing loss at 11 when the condition severely damaged the bones in her middle ear. But rather than letting this define her limitations, Bridget used it as a foundation for understanding the issues she'd later address as a leader in hearing healthcare policy.We explore the fascinating differences between traditional hearing aids, cochlear implants, and bone-anchored devices, while dispelling outdated perceptions about hearing technology. Today's hearing devices are sleek, sophisticated, and Bluetooth-enabled—a far cry from the "beige bananas" many still picture. Yet despite technological advances, hearing health remains severely undertreated, with millions of Americans neglecting annual hearing evaluations.The conversation shifts to HIA's groundbreaking "Hear Well" campaign, which has generated over $23 million in earned media through positive, stigma-busting messaging. For Better Hearing Month this May, they're launching "Happy Dance 2.0," offering hearing professionals free, downloadable assets to spark vital conversations about hearing health.Whether you're a hearing care professional looking for practice resources, someone experiencing hearing difficulties, or simply interested in protecting your hearing health, this episode offers valuable insights into how addressing hearing loss connects directly to overall wellbeing, professional success, and quality of life. Visit hearing.org today to access free campaign resources and join the movement to make hearing health a priority. Connect with the Hearing Matters Podcast TeamEmail: hearingmatterspodcast@gmail.com Instagram: @hearing_matters_podcast Twitter: @hearing_mattasFacebook: Hearing Matters Podcast

In this episode of the Perth Property Show, host Trent Fleskens welcomes Michael McGowan, executive director of the HIA, for an in-depth discussion on the current state of Western Australia's construction market. They explore critical issues such as the undersupply of new builds, industry capacity, market consistency, and the long-term goal of constructing 26,000 homes annually. McGowan provides insights into the challenges of meeting housing demands, the impact of rising construction costs, the significance of the National Construction Code updates, and the need for innovative building methods. The conversation emphasizes the complexities of the market and the ongoing efforts to address housing shortages and improve efficiency.

In this episode Billy and Emma recap episode 6 of Your Sky. They talk about the big sunscreen moment with Real and Hia. And discuss the power of Muenfah and Teerak's first kiss.

On this episode we check back in Chris Boucher, who was originally on the program in July of 2022. Boucher is a hemp industry OG. In 1990, he was first introduced to hemp by Jack Herer himself in, author of the book that jumpstarted the hemp movement in America, The Emperor Wears No Clothes. In 1994 Boucher was issued a permit from the USDA to grow fiber hemp in California, but his crop was destroyed before harvest by local drug enforcement agents. He was a founding member of the Hemp Industries Association and was part of the landmark case HIA vs. DEA that established the legality of CBD. But these days, Boucher's hemp endeavor is JuiceTiva, a cold-pressed hemp juice powder rooted in the nutritional potential of hemp leaves and flowers. Boucher shares his opinions of the state of hemp in California, which he says has the worst hemp regulations of any state in the union, citing Governor Newsom's recent banning of hemp products and the structure of the state and county agriculture departments. He describes a situation in California where the marijuana industry is battling the hemp industry for dominance in the intoxicating cannabinoid arena. Learn more: JuiceTiva California Hemp Program News Nugget   Judge Blocks Trump Administration's Freeze on USDA Climate and Equity Programs Thanks to our Sponsor IND HEMP and their awesome hemp product brands: All Walks Pet Products Hemptana Farm & Ranch Products

Catch up on all the footy news from AFL 360, Wednesday the 25th of July with Gerard Whateley and Mark Robinson. Robbo and Gerard chat through the thriller at the Gabba as the Swans travelled north to take on the Brisbane Lions. The panel discuss whether the Swans are making this into a trend or if it just recent hiccups. The hosts then chat through Swans veteran Sam Reid's career as he publically announced his retirement. Gerard and Robbo then discuss if HIA's should be done off the ground and if Clayton Williams will be at Melbourne next year. For more of the show tune in on Fox Footy & KAYO.See omnystudio.com/listener for privacy information.

Catch up on all the footy news from AFL 360, Tuesday the 23rd of July with Gerard Whateley and Mark Robinson Robbo and Gerard chat through the thriller at the Gabba as the Swans travelled north to take on the Brisbane Lions. The panel discuss whether the Swans are making this into a trend or if it just recent hiccups. The hosts then chat through Swans veteran Sam Reid's career as he publically announced his retirement. Gerard and Robbo then discuss if HIA's should be done off the ground and if Clayton Williams will be at Melbourne next year. For more of the show tune in on Fox Footy & KAYO.See omnystudio.com/listener for privacy information.

On this episode of Bats and Balls Podcast, The Producer & Josh go over what has been happening in the NRL, Supercoach, AFL and discuss if it's the death of Monaco. The NRL just completed Round 15 with The Storm sitting on top of the Ladder. After defeating Penrith in Round 13 the Dragons lost the bet to the NEW Bats and Balls Champions the Manly. The Eels had another loss which all but ends this disaster of a season. NSW look to bounce back after a bad State of Origin 1 loss. Can they get the win in Round 2? AFL and the Sydney Swans just keep winning. The Swans are the real deal and are the team to beat this season. The Swans are currently 3 full games clear on top of the Ladder. Josh's GWS Giants had a great win as they battle for a top 4 spot. West Coast had the bye and a well needed rest in a season that is over. Supercoach is getting to the business end as we make our way through the byes. The Producers were unlucky to have Reuben Garrick as Captain who had 2 HIA's in the first 35mins. It's Round 16 the second of the bye weeks, how many players do you have? Do not forget to join our NRL and AFL Tipping competitions. Links to the Tipping Competition can be found on http://batsandballspodcast.com We are now on Patreon. Follow the link below to join. https://www.patreon.com/batsandballspod   00:00:00 – NRL                                                                            01:18:00 – AFL                                                                                01:39:00 - Other Sport (NBA)                                                                                                                            Twitter - @batsandballspod Brendan - @The Producer05 Josh - @PiesJosh Colbee - @colbee6ref Mendy - @BigMendy180 Erik - @ErikNielsen2759   Part of the Always Up Network Always Up Network - @AlwaysUpNetwork  #AUN Email - batsandballspodcast@gmail.com facebook.com/batsandballspodcast http://batsandballspodcast.com/  

Send us a Text Message.ADDICTION KILLS! And touches many of our lives with its destructive force. So many people across the world today have lost their lives to addiction and their families are left to pick up the pieces of a shattered existence. Todays guest Lance Lang brings the real truth about addiction and how to overcome one of the hardest battles some may ever have to fight. In October 2012, Lance founded Hope is Alive Ministries (HIA) in Oklahoma City. Under Lance's leadership, HIA has grown from one home and five residents to 25 homes with over 200 residents working hard to radically change their lives. HIA's success rate is unheard of, with over 85% of all graduates successfully living the life God called them to live.FIND HOPE HERE: https://hopeisalive.net/what-we-do/hopeline/WHERE TO FIND LANCEHIA:https://hopeisalive.net/SITE:https://lancelang.com/FB: https://www.facebook.com/LanceLangOKCInsta: https://www.instagram.com/lancelangX: https://x.com/lancelangF&C Clothing: https://freshandcleanclothing.com/Support the Show. Follow us on X for more shenanigans https://twitter.com/TDMPodcast603 Follow us on Instagram for extra shenanigans https://www.instagram.com/thedangerousmanpodcast/ Connect with Matt Fortin & Rory Lawrence Email us at: thedangerousmanpodcast@gmail.com And Remember men... Stop trying & start training! #2 Masculinity Podcast... https://podcasts.feedspot.com/masculinity_podcasts/ Top 15 Men's Podcast for 2024... https://podcasts.feedspot.com/mens_podcasts/

New home sales surged 22 per cent in April but that's as buyers look to beat increased government regulations. SBS Finance Editor Ricardo Gonçalves takes a look at housing policy from both sides of government with Tom Devitt from the HIA, plus the day's market action with Marcus Bogdan from Blackmore Capital

Today's special guest, Eric Leskowitz, M.D., a Harvard trained doctor, argues that the biofield is real in his book The Mystery of Life Energy: Biofield Healing, Phantom Limbs, Group Energies, and Gaia Consciousness.. Dr. Leskowitz, with his expert blend of medical insight and scientific curiosity, takes readers on a riveting journey through the various expressions of life energy. From the personal level of individual healing to the vast, interconnected realm of global consciousness, his book lays bare the undeniable efficacy of energy-based therapies. Eric Leskowitz, M.D., is a retired Harvard Medical School-affiliated psychiatrist who practiced pain management for over 25 years at Spaulding Rehabilitation Hospital in Boston. He has published over 50 articles in peer-reviewed scientific journals and is the author/editor of four books. Hia documentary about group energies and sports, The Joy of Sox, aired nationally on PBS in 2012. He lives in Western Massachusetts.