Podcasts about homeowners

Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 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.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach 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— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   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 rights for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include 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   Corey Coates  1:11   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  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's one, 937, 795, 8989. Yep, text their freedom coach directly again. 1-937-795-8989   Keith Weinhold  24:52   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 420, Five, six, 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 prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   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  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com  

This special honeymoon edition of Quick Hits comes to you from 40,000 feet in the air, as DeAndre records mid-flight on the world's longest route from JFK to Singapore. With travel in full swing, this episode focuses only on the most critical updates in points and miles, along with a brief look at the honeymoon itinerary.The biggest news of the week is the sudden and unexpected shutdown of the Mesa Homeowners Card. Once considered a breakthrough option for earning transferable points on mortgage payments, Mesa abruptly closed all cardholder accounts, deactivating cards and freezing new earning overnight. While the closure is not related to cardholder behavior, it has triggered a scramble to move or redeem remaining points. A workaround discovered by the community allows some transfers to partners, and DeAndre shares where listeners can find that information.The episode wraps with a quick travel update, including upcoming stops in Singapore, Hong Kong, and Fiji, before settling into the heart of the honeymoon. For the next few weeks, Quick Hits will remain shorter and focus only on significant news.Key takeaways: Mesa card shutdown: Mesa abruptly closed all Homeowners Card accounts without prior notice.Earning halted immediately: Cards were deactivated, and new purchases or point earning are no longer possible.No wrongdoing involved: Mesa confirmed closures were not due to customer behavior or account issues.Transfer workaround: A community-discovered method may allow transfers to Mesa partners.Statement credit fallback: Redeeming at ~0.6¢ per point remains an option, though not ideal.Trust concerns: The shutdown raises questions about Mesa's future and customer confidence.Honeymoon mode: Quick Hits episodes will be shorter and focus on only major updates.Interested in Financial Planning?Truicity Wealth ManagementResources:Mesa Workaround for Missing Points Transfer OptionsBook a Free 30-minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!

The host of ‘Home’ on KFI Dean Sharp joins the show and talks about his 2025 holiday gift guide.See omnystudio.com/listener for privacy information.

Chicago property tax bills are exploding across the city, blindsiding homeowners, crushing small landlords, and reshaping the risk of owning property in Chicago. This conversation breaks down what is happening, why it matters, and what comes next.See full article: https://www.unitedstatesrealestateinvestor.com/new-chicago-property-tax-bills-to-crush-homeowners/Check out the Cyber Month 2025 Year-End Sale Now! https://www.unitedstatesrealestateinvestor.com/cybermonth2025/—Ready to kill the rat race?Listen, if you're sick of watching other people get rich while you keep grinding for scraps, this is your wake-up call.Right now, everyday people, not Wall Street, not billionaires, not trust-fund babies, are buying property, collecting rent, and stacking cash while you're stuck refreshing your bank app.You can keep working for money, or you can make money work for you.This free ⁠"Beginner's Guide to Real Estate Investing in 2025" will show you exactly how to start, even if you're broke, busy, or scared to death of losing a dime.It's short. It's simple. It's real.Go grab your copy right now before you talk yourself out of it. Start learning how real Americans are building wealth while everyone else keeps punching the clock.Download now: https://www.unitedstatesrealestateinvestor.com/freeguide/—Helping you learn how to achieve financial freedom through real estate investing. https://www.unitedstatesrealestateinvestor.com/

Chicago homeowners are reeling as new property tax bills arrive with sudden, crushing increases that are reshaping housing stability, rental costs, and investment risk across the city.—Ready to kill the rat race?Listen, if you're sick of watching other people get rich while you keep grinding for scraps, this is your wake-up call.Right now, everyday people, not Wall Street, not billionaires, not trust-fund babies, are buying property, collecting rent, and stacking cash while you're stuck refreshing your bank app.You can keep working for money, or you can make money work for you.This free ⁠"Beginner's Guide to Real Estate Investing in 2025" will show you exactly how to start, even if you're broke, busy, or scared to death of losing a dime.It's short. It's simple. It's real.Go grab your copy right now before you talk yourself out of it. Start learning how real Americans are building wealth while everyone else keeps punching the clock.Download now: https://www.unitedstatesrealestateinvestor.com/freeguide/—Helping you learn how to achieve financial freedom through real estate investing. https://www.unitedstatesrealestateinvestor.com/

FREE Roofing Sales & Growth Platform: https://adamsfreestuff.com/ ------Homeowners aren't answering the door like they used to.They're tired of being pitched.They're researching you before you leave their driveway.Some are even asking ChatGPT what to do when a roofer shows up.No joke (I even pulled up ChatGPT to show you exactly what it says).The old transactional sales pitches aren't working anymore.Dashaun Bryant shared exactly what IS working in saturated markets like Dallas, Orlando, and Phoenix.It's not about pitching harder.It's about showing up differently.Being authentic.Asking better questions.And actually listening.This interview will change how you approach every door.=============FREE TRAINING CENTERhttps://adamsfreestuff.com/ FREE ROOFING MARKET REPORT:https://roofmarketreport.com/FREE COACHING FROM MY AI CLONEhttps://secure.rsra.org/adams-cloneJOIN THE ROOFING & SOLAR REFORM ALLIANCE (RSRA)https://www.rsra.org/join/ GET MY BOOKhttps://a.co/d/7tsW3Lx GET A ROOFING SALES JOBhttps://secure.rsra.org/find-a-job CONTACTEmail: help@rsra.orgCall/Text: 303-222-7133PODCASTApple Podcasts: https://apple.co/3fSQiev Spotify: https://bit.ly/3eMAqJe Available everywhere else :)FOLLOW ADAM BENSMANhttps://www.facebook.com/adam.bensman/   https://www.facebook.com/RoofStrategist/ https://www.instagram.com/roofstrategist/ https://www.tiktok.com/@roofstrategist https://www.linkedin.com/in/roofstrategist/#roofstrategist #roofsales #d2d  #solar #solarsales #roofing #roofer #canvassing #hail #wind #hurricane #sales #roofclaim #rsra #roofingandsolarreformalliance #reformers #adambensman

107 Breaking Stagnation: Smarter Decisions & Diversified Income | Rodney Black   The Entreprenudist Podcast https://entreprenudist.com Stagnation doesn't happen overnight, it's the result of repeated decisions that feel safe but limit growth. In this episode, we break down: -Why individuals and business owners get stuck in stagnant decision-making -The importance of risk diversification and why relying on one income stream is dangerous -The real truth about direct sales and network marketing — beyond the stereotypes -How smarter decision-making creates long-term growth and financial resilience If you're ready to challenge outdated thinking and make more intentional, informed choices in business and life, this conversation is for you. ------------------------- About Rodney Rodney Black is a husband, father of three, and a leader driven by purpose. Born in Atlanta, GA, and raised in a small town with a farm and ranch background, Rodney learned early the value of hard work, discipline, and faith — lessons that became the foundation for everything he's built today. As cofounder of The Riser Crew and owner of Your Service Store, Inc., Rodney has made it his mission to help people and businesses rise from the ashes and become the best version of themselves. With more than 32 years of experience in the specialty protein industry through The Meat Brokerage, he has built a trusted reputation for excellence, integrity, and long-term partnerships. Through Your Service Store, Rodney also leads initiatives in Systems Management, helping businesses and individuals improve their operations and efficiency, and The Blue Firm, a marketing and strategy group focused on helping small businesses strengthen their brand and expand their reach.  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

Paul and Jim open the episode by discussing a challenge that often sneaks up on newly retired investors: trusting the process and letting their money work for them. The two advisors then acknowledge the difficulty of becoming a homeowner in 2025 and share a few different opinions about why the average age of a first-time homeowner is now 40. Listen along as they break down these takes and add their experience to the conversation.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

In this December 15, 2025 episode of "Market Trends," hosts Steve Kaempf and Matt Lombardi discuss the new "Housing for the 21st Century Act," analyze the 2026 housing market forecast, and offer advice for real estate agents preparing for 2026. The episode also covers Zillow's legal battles, regional trends in the Midwest, and includes a lighthearted sports segment.Introduction and Episode Overview (00:00:00)Studio Banter and Show Start (00:00:29)Housing for the 21st Century Act Unveiled (00:01:17)Key Proposals in the Housing Act (00:02:39)Additional Provisions and Impact (00:03:35)Expanding Affordable Housing Options (00:05:26)Education and Generational Wealth (00:06:40)2026 NAR Forecast Summit Key Takeaways (00:07:51)NAR's 2026 Market Predictions (00:08:44)Midwest Market and Home Sales Outlook (00:09:45)Mortgage Rates and Buyer Readiness (00:11:02)NAR's 2026 Economic Forecast (00:11:45)Agent Preparation for 2026 (00:13:36)Inventory Mix and Market Segments (00:15:31)Builder Adjustments and Townhome Trends (00:16:55)Migration Trends and Midwest Affordability (00:18:10)Uneven Recovery Across Markets (00:20:04)Zillow's 2025 Legal Woes (00:21:37)Compass vs. Zillow Antitrust Lawsuit (00:22:40)CoStar vs. Zillow Copyright Lawsuit (00:23:42)Regulators vs. Zillow: Antitrust Concerns (00:24:08)Class Action Lawsuits Against Zillow (00:24:46)Zillow's Market Dominance and Speculation (00:25:41)Sponsor Message (00:27:05)Three Forces Shaping the 2026 Housing Market (00:27:12)Stagnation, Stagflation, and Market Outlook (00:27:47)Affordability Improvements and Regional Differences (00:28:12)Psychological Factors in Housing Decisions (00:29:31)Life Events Reawakening Demand (00:30:06)Inventory Slowly Thawing (00:31:35)Creative Options for Homeowners (00:32:19)2026 Market Summary and Rate Expectations (00:32:37)Historical Perspective on Mortgage Rates (00:33:25)Cook County Tax Sale System Ruled Unconstitutional (00:34:02)How Cook County Tax Sales Work (00:35:25)Illinois as Last State with Old Tax Sale Laws (00:36:36)Closing Remarks and Holiday Wishes (00:37:41)Sports Segment: Chicago Bears Recap (00:39:03)Year-End Wrap-Up and Farewell (00:40:46)Podcast Outro and Sponsor Message (00:41:18)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

Harvard's JCHS partnered with The Farnsworth Group to interview Homeowners and Contractors about their experiences building a healthy and/or green home. This research looks at activities and projects conducted by both groups to better understand what is being done to promote occupant health & safety and environmental & energy performance. This webinar will present the findings along with insights.Learning Objectives:1. Learn about homeowners' concerns, reasons, activities and obstacles around a healthy and safe home and the products and solutions within.2. Learn about what contractors see is their customers' interest level, trends, benefits, and constraints surrounding healthy and safe homes and the products and solutions within.3. Understand homeowners' concerns, reasons, activities and obstacles around an environmentally friendly and energy efficient home, and the products and solutions within.4. Learn about what contractors see is their customers' interest level, trends, benefits, and constraints surrounding environmentally friendly and energy efficient homes and the products and solutions within.Speaker: Grant Farnsworth

What is the difference between owning a home vs. renting an apartment/condo?

What is the difference between owning a home vs. renting an apartment/condo? See omnystudio.com/listener for privacy information.

Hour 1 Segment 1 – 10:06 am | Homeowners feeling the pain of rising home prices Segment 2 – 10:21 am | November jobs report released Segment 3 – 10:36 am | Guest: Ryan Mauro (Capital Research Center) - Turtle Island Liberation Front Segment 4 – 10:50 am | Praising Firefighter heroes after major fire in Salisbury Hour 2 Segment 1 – 11:06 am | Transformation Tuesday - Born again Segment 2 – 11:22 am | Sycamore Brewing latest (WBT Text line weighs in) Segment 3 – 11:36 am | Sycamore Brewing latest cont. (WBT Text line weighs in) Segment 4 – 11:50 am | Thoughts on Pres. Trump's comments on murder of Rob ReinerSee omnystudio.com/listener for privacy information.

Real Estate Attorney Dave Schlueter, who works with the Law Offices of Dave Schlueter Ltd., joins Jon Hansen to discuss misconceptions of homeowners who have mortgages. Dave discusses the difference between deeds and titles, how to determine which one you have, and how to protect personal property from theft. To learn more about what Dave […]

Raised in Southern California and France, Jessica Helgerson had a unique upbringing—eventually she found her way to design and started her own firm in 2000, moving it to Portland, Oregon six years later. There, she's built a reputation around her thoughtful, layered work, and her values—Helgerson's 1% Project sees her donating a portion of the invoices on her projects to local nonprofits. On this episode of the podcast she speaks with host Dennis Scully about her recent induction into the AD100; opening an outpost of her firm in Paris; and why she has two bosses on every project: the client and the house itself. This episode is sponsored by Loloi and John Rosselli & AssociatesLINKSJessica HelgersonDennis ScullyBusiness of Home 

Colorado is in the top ten states for the most expensive homeowners' insurance, thanks to wildfires and hail. Purplish looks at what can be done to bring the cost down. Then, President Trump says he's pardoned Tina Peters, even though he lacks the jurisdiction to do so; we'll discuss the reasoning and what happens next. Plus some Colorado ranchers are frustrated with federal policy. Then, why are so many people in China wearing hats that say Colorado? And Farmer Dave helps us celebrate Hanukkah with a song in Ladino. 

106 How to Have Better Client Conversations | Expert Strategies with Mike Milan "Cash Flow Mike"   OcZLmOaBv0O9WtkOvXMs   The Entreprenudist Podcast https://entreprenudist.com In this episode of The Entreprenudist Podcast, we sit down with Mike Milan, a respected business strategist known for helping entrepreneurs strengthen client relationships, improve communication, and close deals more effectively. Mike breaks down the real skills behind better client conversations, including: -How to ask questions that uncover client needs -What most business owners get wrong in client discussions -How to build trust fast -The mindset shift that leads to more productive interactions -How to communicate value clearly, without sounding salesy -Practical techniques you can use in your next meeting Whether you're a coach, consultant, business owner, or entrepreneur, this conversation gives you the tools to connect deeper, communicate better, and convert more confidently. -------------------------- About Cash Flow Mike Meet Cash Flow Mike, a business advisor, author, and the creator of the Clear Path to Cash. He's trained over 25,000 business owners, accountants, and bankers, uncovering more than $150 million in hidden cash. Mike helps listeners understand their numbers fast—so they can grow profit, improve cash flow, and build a more valuable business  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

Major changes are coming to home heating in Colorado—and most homeowners don't know it. On this episode of https://Fix-ItRadio.com, host John Rush, with Larry Unger and Charlie Grimes, welcomes Hunter of Cub Creek Heating & Air Conditioning (https://www.cubcreekhvac.com) to explain what Colorado's new ultra-low NOx regulations mean when they take effect January 1. Are your furnace and water heater now costlier to replace? Will maintaining high-altitude and propane systems become harder? Why are some homeowners advised to “wait it out,” while others are told to act now? Hunter explains how new systems rely on tighter combustion controls, why maintenance and installation matter more than ever, and which homes—especially older or mountain properties—may be most affected. The discussion also clarifies confusion about boilers, Energy Star exemptions, electricity usage, and whether appliances like gas ranges, dryers, and wood-burning stoves could be next. Is Colorado moving quietly toward full electrification, and is the electric grid ready? This episode reveals how policy changes and real-world costs will affect homeowners—before a furnace fails on the coldest night of the year. If you own a home, plan to remodel, or simply want to know what's coming, don't miss this Fix It Radio episode.

Colorado, like the rest of the country, is experiencing more, and worse, climate disasters, wrecking havoc on people's homes — and their homeowner's insurance rates. In the wake of devastating hail storms and massive wildfires, Coloradans face rising premiums, less choice and availability, and in some cases, getting dropped by insurers altogether. The state is now one of the top ten most expensive in the country for homeowners insurance. And escalating the issue is climate change. CPR's Bente Birkeland and Rocky Mountain PBS' Andrea Kramar look at what's happening with the home insurance market in Colorado, and what state lawmakers are trying to do to make sure that, when the flames approach or the hail falls, Coloradans don't lose everything.Plus stay tuned for a full-length documentary on this reporting. “Undercovered” airs on Rocky Mountain PBS Thursday, Jan. 15 at 7 p.m. MST, and will be available to stream on the free RMPBS+ app and Youtube.Purplish is produced by listener-supported CPR News and the Capitol News Alliance, a collaboration between KUNC News, Colorado Public Radio, Rocky Mountain PBS, and The Colorado Sun, and shared with Rocky Mountain Community Radio and other news organizations across the state. Funding for the Alliance is provided in part by the Corporation for Public Broadcasting.Purplish's producer is Stephanie Wolf. Sound designed and engineered by Shane Rumsey. Theme music is by Brad Turner. CPR's executive producer of podcasts is Megan Verlee.

105 From Navy Vet to Multi-Industry Investor: Marcus Norman Reveals Wealth Strategies That Work The Entreprenudist Podcast https://entreprenudist.com Welcome to another game-changing episode of The Entreprenudist Podcast, the show where real entrepreneurs and business owners tell their stories with transparency, strategy, and truth. In this episode, we sit with Marcus Norman, a Navy veteran turned multi-industry investor known for his expertise in: -House Hacking -ATM Business Ownership Real Estate Investing -Starting a Business vs Buying a Franchise -Growing a Successful Podcast -Investing in CBD & Hemp -Understanding What Makes Money, Not Hype Marcus breaks down: -How he went from a five-bedroom liability to cash-flowing real estate -The mindset shift that separates successful investors from those stuck in analysis paralysis -How to truly understand how an investment makes money -Why working with experts is not optional His personal journey from the Virgin Islands to the military… and into wealth creation

Amy King hosts your Friday Wake Up Call. The show opens with ABC News White House correspondent Karen Travers discussing the seizure of a Venezuelan oil tanker, indicating the administration won't telegraph future sanctions or military moves but will enforce existing policies against sanctioned entities like those carrying "black market oil." The host of ‘Home’ on KFI Dean Sharp joins the show and talks about how to de-clutter in 48 hours. We ‘Get in Your Business’ with Bloomberg’s Denise Pellegrini who speaks on what the markets are looking like as the week comes to a close. The show closes with a Wake Up Call ‘taste test,’ an update on Shelby the dog, and hearing from you the listeners through talk backs.See omnystudio.com/listener for privacy information.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jill Schneider. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

." The host of ‘Home’ on KFI Dean Sharp joins the show and talks about how to de-clutter in 48 hours.See omnystudio.com/listener for privacy information.

A resident of a heavily-trafficked Ennis backroad fears he wouldn't be able to get out of his driveway in the event of a medical emergency. Homeowners on the link road between the Quin Road and the N85 are calling for "joined-up thinking" from Clare County Council regarding alleviating traffic congestion on the route. Known locally as the Old Bog Road, the Kilbricken Road is the Quin Road's only connection to the dual carriageway. Oliver Plunkett, who's been living on the road for 30 years, says he's often unable to leave his house because of the build-ups outside his gateway.

From 12/11 Hour 4: The Sports Junkies react to a crazy Christmas light display in Ashburn.

In this episode of Real Estate Pros, host Michelle Kesil interviews Gary Knight, a seasoned real estate consultant and investor. Gary shares strategies for helping homeowners avoid foreclosure, investing wisely in properties, and using creative financing techniques like options and take-back mortgages. He also discusses his L.A.D.I.E.S. framework (Leverage, Appreciation, Depreciation, Income, Equity, Shelter) for evaluating real estate opportunities and offers practical advice for both new and experienced investors.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

104 Startups Beware: The Legal Traps Every Founder Faces |  Matthew Fornaro, P.A.   The Entreprenudist Podcast https://entreprenudist.com Running a business without understanding the law is one of the biggest risks an entrepreneur can take. In this episode of The Entreprenudist Podcast, we sit down with Matthew Fornaro, attorney and founder of Matthew Fornaro, P.A., a law firm dedicated to helping businesses, entrepreneurs, and startups navigate complex legal challenges. Matthew breaks down the essential protections every business owner needs, the silent legal threats entrepreneurs overlook, and the costly mistakes that can derail your entire company. In this episode, you'll learn: ✔️ The most common legal risks startups face ✔️ Why solid contracts protect your business more than you think ✔️ Intellectual property basics every founder should understand ✔️ Partnership and equity pitfalls to avoid ✔️ Compliance issues that can quietly sink a business ✔️ When to hire a lawyer and the right questions to ask Whether you're launching a new venture or scaling a growing business, this conversation is packed with practical legal guidance to keep your company protected and future-ready.

Florida homeowners often wonder whether impact windows actually boost property value. This episode breaks down the real numbers, insurance benefits, and buyer psychology behind storm-ready homes. To learn more, visit: https://impactwindowscenter.com/collections/windows Impact Windows Center City: Boynton Beach Address: 3547 High Ridge Rd Website: https://impactwindowscenter.com/

Stephen Grootes speaks with Sidumisile Zikhali, Senior Associate in Banking, Finance and Projects at CDH; and Astrid Rabey, Associate Director at Deloitte, about JIBAR’s exit, the introduction of ZARONIA and the implications for homeowners and property investors. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Go from marketing chaos to marketing confidence, book a call with our team to learn how.In this Contractor Dynamics Masterclass, we break down five ways your “good enough” website is losing you roofing jobs—often without you even realizing it. Homeowners are doing more research than ever, trust is harder to earn, and your website is often the first sales conversation you never get to attend.If you're spending money on ads but your website leads are weak (or non-existent), or you keep losing bids to companies with worse workmanship but better online presence, this masterclass is for you. We'll show you the five most expensive website mistakes roofing companies make—and the practical fixes you can implement to increase trust, boost conversions, and plug your website into a real marketing and sales engine for 2026.Key Takeaways for Roofing Company Owners✔️ The 5-second test your website must pass✔️ Why looking like every roofer forces you to compete on price✔️ How to build trust and reduce risk (so you win more bids)✔️ The website conversion essentials: CTAs, speed-to-lead, and mobile UX✔️ How to connect your website to tracking, CRM, automations, and retargetingTimestamps00:00 Intro: 5 ways your “good enough” website loses jobs01:25 What to expect + why implementation matters03:05 Who Contractor Dynamics is (roofing-only since 2013)05:10 The problem: disconnected marketing + the “leaky bucket”07:10 How buying has changed in 2025 (80% decision before contact)10:05 Goal for today + overview of the 5 mistakes12:10 Mistake #118:55 Mistake #225:10 Mistake #332:10 Mistake #438:05 Mistake #543:05 Website before/after examples Connect with Contractor DynamicsWebsiteFacebookInstagramLinkedIn#roofingcompany #roofingmarketing #contractordynamics #roofingbusiness #roofingwebsite #leadgeneration #marketingstrategy #businessgrowth #roofingcontractors #websitedesign

Seeing your heat pump frozen solid? Don't ignore it. Derek explains why heat pumps ice up, what's normal, what's not, and when it's time to shut it down and call for help. A must-hear episode for any homeowner who wants to protect their comfort — and their wallet — in cold weather.

Secure Firearm Storage, Fast Access, and Surprising Truths About Gun Safes with Tom Kubiniec In this episode, Kevin and Craig sit down with Tom Kubiniec, CEO of SecureIt Tactical, to talk about the real science behind firearm storage, what every homeowner gets wrong about gun safes, and why “fast access” is more than just convenience—it's survival. Tom's story is incredible: from professional guitarist to the leading authority in military armory design, to building the firearm storage platform used by U.S. Special Forces. He breaks down how the industry misleads consumers, why fire ratings are basically a myth, how thieves actually move through a home, and how strategic decentralized storage can protect families better than any giant safe in the basement. Whether you own one gun or twenty, this episode will change the way you think about securing them in your home. About Our Guest: Tom Kubiniec – SecureIt Tactical Tom is the founder & CEO of SecureIt Tactical, the largest supplier of weapon storage systems to the U.S. military and a leading innovator in consumer gun storage. Drawing from engineering, armory design, and decades of field experience, Tom brings a radically different approach to safe firearm access and security.

What's your plan when the power goes out?If you think a generator is your only option, think again.Today's conversation, live from our RE+ PowerUp Live stage, Rachel Stotts of Jackery breaks down a new category of home energy backup: flexible, modular systems that you can easily scale and take with you. Whether you're facing tornadoes or planning a weekend tailgate, portable energy solutions cover everything from your fridge to your CPAP machine, and they're becoming increasingly popular with prosumers who don't want the hassles of traditional energy storage.No permits. No permanent installs. Just plug-and-play resilience. And up to 30% federal tax credit if you act before year's end.Rachel and Josh Beck explore why this product category is resonating with both outdoor enthusiasts and homeowners fed up with power outages.You'll hear:

Guest:Tracy Bookman – Owner, Homestead Roofing (Colorado Springs)Guest Links:Website: https://homesteadroofingcolorado.comYouTube Channel: https://www.youtube.com/@HomesteadRoofingLinkedIn: https://www.linkedin.com/in/tracy-bookman-620902155/This episode explores how Tracy Bookman, after years of refining a homeowner-focused content strategy, built one of the most trusted and effective roofing education channels in the country. The episode breaks down how his YouTube library consistently generates high-quality inbound leads, why educational content outperforms traditional sales material, and how answering real homeowner questions creates compounding momentum across YouTube search, Google search, and the overall sales cycle. It explores the categories that currently drive the most traction—roofing scam prevention, shingle education, color guidance, insurance navigation, and Tracy's in-depth “how to choose a roofer” series—along with his insights on why YouTube leads convert far better than social media or Google traffic. The episode also examines the tension between ethical roofing practices and the scam culture affecting homeowners, the nuance behind storm chasers and commission-based sales models, and how Tracy has evolved his content to avoid painting all roofers negatively. Additional topics include DIY roofing content opportunities, the power of niching into formats like metal or synthetic roofing, long-term compounding from a consistent content catalog, using videos as sales assets to close jobs like Brava tile projects, and the strategic advantage of going all-in on one marketing channel rather than spreading efforts thin. Overall, the episode illustrates how intentional educational content can create seven-figure revenue impact and establish a durable trust moat around a local roofing brand.

In this episode of the Rent Perfect Podcast, David Pickron and Scot Aubrey dive into one of the wildest situations a landlord can face. At 12:15 AM, one of David's tenants sent him a shocking video of a furious downstairs neighbor pounding on their door, yelling profanities, and accusing them of “walking too loudly.” The audio is intense. The confrontation is real.  And yes—the police were called… and caught the neighbor lying directly to their face.In today's episode, we break down:✔️ What the tenant recorded that night✔️ How the downstairs neighbor escalated the situation✔️ What happened when the police arrived✔️ How David handled the fallout the next day✔️ When (and why) landlords should consider an Order of Protection✔️ What your legal options are when you don't own both units✔️ Why this type of situation affects EVERY landlord, sooner or laterThis isn't just drama—it's a real case study in landlord safety, tenant relations, and the unexpected responsibilities that come with property management. Whether you're a new landlord or you've been in the game for years, this is one episode you do not want to miss. 

A mortgage broker is saying not to panic about rising mortgage rates. Westpac has announced a 30 basis point increase to its 2-5 year fixed rates. They claim the move reflects rising wholesale rates and higher costs for long-term funding. Sue Tierney told Heather du Plessis-Allan that people do have the opportunity to negotiate rates. She says the bank has an advertised rate, but that doesn't mean you have to accept it. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Evan Horowitz, Executive Director of the Center for State Policy Analysis at Tufts University, joins WBUR's Morning Edition to explain why residential property tax bills are ballooning in Boston.

Bewildered Chicago homeowners crowd churches as staggering property tax hikes spur community action, prompting urgent calls for reform; what happens next?See full article: https://www.unitedstatesrealestateinvestor.com/chicago-tax-fury-homeowners-pack-church/Check out the Cyber Month 2025 Year-End Sale Now! https://www.unitedstatesrealestateinvestor.com/cybermonth2025/—Ready to kill the rat race?Listen, if you're sick of watching other people get rich while you keep grinding for scraps, this is your wake-up call.Right now, everyday people, not Wall Street, not billionaires, not trust-fund babies, are buying property, collecting rent, and stacking cash while you're stuck refreshing your bank app.You can keep working for money, or you can make money work for you.This free ⁠"Beginner's Guide to Real Estate Investing in 2025" will show you exactly how to start, even if you're broke, busy, or scared to death of losing a dime.It's short. It's simple. It's real.Go grab your copy right now before you talk yourself out of it. Start learning how real Americans are building wealth while everyone else keeps punching the clock.Download now: https://www.unitedstatesrealestateinvestor.com/freeguide/—Helping you learn how to achieve financial freedom through real estate investing. https://www.unitedstatesrealestateinvestor.com/

Talking Points: McRib of Podcasts, Light Hits the Burrito On The Grey, Goofy Murder, Confronted Claire, Hospice House, Forgotten Year, Homeowner by Insanity, The8BitDad, Jorking My F'goo, Too Stubborn To Be Deleted By Time, Good Of The Year. Disc Only is: ProtonJon - twitch.tv/ProtonJon Tom - twitch.tv/TomFawkes Stephen - twitch.tv/StephenGeorg Jerod - twitch.tv/The8BitDrummer Dan - twitch.tv/MotionDan

103 The Realities of Business, Leadership & Public Adjusting | A Deep Dive with Jack Hanks   The Entreprenudist Podcast https://entreprenudist.com In this episode of The Entreprenudist Podcast, we sit down with Jack Hanks | President of VPA Claims, for one of the most honest and wide-ranging conversations in the industry. Jack shares decades of business experience, revealing the lessons, mistakes, insights, and realities that shaped his journey. From the early challenges of entering the public adjusting world to navigating acquisitions, leadership, private equity, due diligence, and building a reputation , nothing is off the table. -------------------------- VPA Public Claims Adjusting At VPA Claims, we fight for property owners, not insurance companies. Our experienced team, led by Jack Hanks, guides you through the entire claims process, from assessment to negotiation, ensuring you get the maximum settlement you deserve. Don't navigate your insurance claim alone. Contact VPA Claims today for a free consultation and let us handle the hard work while you focus on restoring your home or business. visit https://www.vpa.claims/ to get started!  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

Pool Pros text questions hereThe conversation explores the complexities of insurance claims, particularly in unusual circumstances involving property damage due to weather events. The speaker shares a vivid account of a claim involving a fallen tree that caused significant damage to a pool area, illustrating the challenges faced by both homeowners and insurance adjusters in assessing and managing such incidents.TakeawaysThe role of insurance adjusters in property damage claims.Unusual incidents can complicate insurance claims.Weather events can lead to significant property damage.Visual descriptions help convey the extent of damage.Homeowners often hire multiple experts for claims.The impact of a fallen tree on property can be severe.Adjusters must navigate complex situations during assessments.Clear communication is key in insurance claims.Understanding the damage is crucial for claims processing.The emotional toll on homeowners during claims is significant.Sound bites"The whole thing was just mangled.""It looked like the Kool-Aid man had come through.""This is pretty, this is pretty f up."Chapters00:00 Weather Challenges and Pool Maintenance00:06 Building Relationships with Insurance Providers Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Get ready to roll up those sleeves because we're diving into some seriously handy DIY talk! Eric G and John Dudley kick off with the top 10 DIY projects every homeowner should know to keep your hard-earned cash from slipping through the cracks. Why hire someone to change a leaky faucet when you can just tackle it yourself and save a boatload? These guys are here to spill the tea on everything from replacing water heaters (trust me, you don't want to pay that plumber) to the fine art of patching drywall—because who wants to pay someone else for that? So grab your toolbelt (or just your favorite snack, we won't judge) and tune in for some money-saving wisdom that'll make you feel like a DIY rockstar!If you're a homeowner, you probably have a love-hate relationship with DIY projects. You love the idea of saving money, but hate the thought of getting your hands dirty. In this episode, Eric G and John Dudley dive deep into the top 10 DIY projects that can help you cut costs and flex your handyman skills. Picture this: you're standing in your kitchen, staring at a leaky faucet, and instead of calling a plumber, you confidently grab your toolbox and tackle it yourself. That's the kind of empowerment we're talking about! From replacing a toilet (seriously, it's not as gross as you think) to installing a ceiling fan (with all the right safety measures, of course), they break down each project with a playful banter that makes you feel like you're chatting with buddies over beers rather than listening to a DIY podcast. Throughout their chat, Eric shares some hilarious anecdotes, including the outrageous costs of hiring a plumber for a simple water heater replacement. Trust me, you'll want to hear about the time his brother learned the hard way that calling in a pro can cost you an arm and a leg. Spoiler alert: DIY-ing that water heater would've saved him thousands! They also discuss the importance of getting the right tools and materials, and how sometimes saving a few bucks on a cheap faucet can lead to more headaches down the line. The episode is packed with tips, tricks, and a healthy dose of sarcasm that makes home improvement feel less daunting and more like a fun challenge.So, if you're ready to don your DIY cape and tackle some projects that will not only save you money but also give you bragging rights at the next barbecue, this episode is for you! With Eric and John's guidance, you'll feel like a pro in no time, or at least like someone who knows the difference between a wrench and a hammer. Tune in, take notes, and prepare to be inspired to finally fix that leaky faucet instead of just complaining about it!Takeaways: Learning to replace your own water heater can save you thousands of dollars compared to hiring a plumber, who might charge you more than a fancy dinner out. Patching drywall holes with a California patch technique is a game changer, making you look like a DIY pro without the need for a professional. Don't underestimate the importance of quality paint; buying cheap paint means you'll spend more time and money on multiple coats than if you just invested upfront. Regrouting tile is no picnic, but using a grout removal tool attached to a multi-tool makes the process a whole lot less painful and way quicker. When installing a ceiling fan, make sure you have a proper support box; otherwise, you might end up with a fan on your bed instead of spinning above it. Installing new faucets is easier than you think, and calling customer service for parts can sometimes save you a trip to the store, as many brands offer free replacements. Links referenced in this episode:aroundthehouseonline.comCompanies mentioned in this episode: Connoisseur Media KXL Salem...

Governor Stitt is sending Oklahoma National Guard troops to Washington, D.C.Cherokee officials celebrate the purchase of an historic cemetery in Tahlequah.What lawmakers and advocates are hoping to do against the rising cost of homeowner insurance.You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment.You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Tik Tok and Instagram at KOSU Radio.This is The KOSU Daily, Oklahoma news, every weekday.

The state budget was over 130 days late, but don't worry — officials got their pay raise on time. Homeowners in Philadelphia — and nationwide — are staying put. This is what happens if you don't have a Real ID at the airport. Plus, two Good Samaritans made the effort to return a woman's purse and wallet.

In this conversation, Jana Baker discusses the importance of bridging the generational gap in investing, particularly between the baby boomer generation and Gen X. She shares insights gained from listening to seasoned investors and how these lessons inspired the creation of Investor Arena, a platform aimed at engaging a younger audience in investment discussions.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

We hope you had a great Thanksgiving holiday and spent time with loved ones. Something many of us are not loving - the cost of homeowner's insurance. But there is something many of us are overlooking - whether we have ENOUGH homeowner's insurance. Also - is there someone on your holiday list who has a thing for luxury brands? You don't have to pay luxury prices.  Homeowner's Insurance: Segment 1 Ask Clark: Segment 2 Lux For Less: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much Homeowners Insurance Do I Need? Homeowners Insurance Archives - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips How To Monitor Your Credit How to Freeze Your Child's Credit How to Sell on Poshmark: Make Extra Money With This Online Thrift Store 401(k) Rollover: How To Roll Over a 401(k) Best 529 College Savings Plans By State Never Buy These 4 Fake Home Devices, Especially During the Holidays Clark Deals Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

2025-2028 Roofing Market Report: https://roofmarketreport.com/FREE Roofing Sales & Growth Platform: https://adamsfreestuff.com/ -----Homeowners are delaying roof replacements more than ever. But when you give them what they want, you can close the sale today. Here's the script to use.=============FREE TRAINING CENTERhttps://adamsfreestuff.com/ FREE ROOFING MARKET REPORT:https://roofmarketreport.com/FREE COACHING FROM MY AI CLONEhttps://secure.rsra.org/adams-cloneJOIN THE ROOFING & SOLAR REFORM ALLIANCE (RSRA)https://www.rsra.org/join/ GET MY BOOKhttps://a.co/d/7tsW3Lx GET A ROOFING SALES JOBhttps://secure.rsra.org/find-a-job CONTACTEmail: help@rsra.orgCall/Text: 303-222-7133PODCASTApple Podcasts: https://apple.co/3fSQiev Spotify: https://bit.ly/3eMAqJe Available everywhere else :)FOLLOW ADAM BENSMANhttps://www.facebook.com/adam.bensman/   https://www.facebook.com/RoofStrategist/ https://www.instagram.com/roofstrategist/ https://www.tiktok.com/@roofstrategist https://www.linkedin.com/in/roofstrategist/#roofstrategist #roofsales #d2d  #solar #solarsales #roofing #roofer #canvassing #hail #wind #hurricane #sales #roofclaim #rsra #roofingandsolarreformalliance #reformers #adambensman

Please enjoy the show and watch on YouTube at YouTube.com/@robguccishowSupport the show