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Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to the show to discuss his newly released book "Inflated: Money, Debt and the American Dream." Sponsors: Monetary Metals. https://monetary-metals.com/julia Kalshi: kalshi.com/julia In this episode, Whalen offers a contrarian perspective on current markets, dismissing recession fears while highlighting a "silent recession" in commercial real estate. He draws parallels between Trump and Andrew Jackson, explains why the Treasury-Fed relationship is America's most important economic factor, and predicts zero rate cuts this year despite market expectations. Whalen argues that America's addiction to inflation has benefited asset holders while hurting average citizens, creating a housing affordability crisis and warning of an impending commercial real estate collapse that could become "the new subprime."Links: Twitter/X: https://twitter.com/rcwhalen Website: https://www.rcwhalen.com/ The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/ Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:0:00 - Introduction and welcome back Chris Whalen 0:31 - Discussion about Chris's new book release 2:04 - Current market analysis and tariff situation 2:35 - Trump's fiscal plans and Congressional challenges 3:58 - Credit to Chris for predicting tariffs as "distraction" 4:21 - Chris's investment positions 5:09 - America's addiction to debt 7:35 - Treasury market and Fed priorities analysis 9:02 - Banks' lack of credit demand issue 11:22 - Inflation misconceptions 13:43 - Trump/Jackson parallel 15:33 - Fed/Treasury relationship change post-2008 17:09 - Trump's vision for economic role of government 18:06 - Solutions for national debt 19:37 - Inflation impact across economic classes 21:33 - Housing market issues and starter home costs 24:56 - 2% inflation compounding effects 26:08 - Inflation's role in addressing national debt 28:49 - Recession outlook discussion 30:36 - "Silent recession" in commercial real estate 31:55 - Why rate cuts aren't needed 33:37 - Commercial real estate as "the new subprime" 35:29 - Government as housing lender of last resort problems 37:06 - Closing remarks
Andrew discusses Medicaid cuts to control inflated government payments, Saudi Arabia's investment in the U.S., and Microsoft layoffs. For information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure
NEWS: PH's inflated defense budget alarms group | May 1, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesw Hosted on Acast. See acast.com/privacy for more information.
Apr 25, 2025 – In this compelling interview, Jim Puplava sits down with Chris Whalen, financial expert and author of Inflated: Money, Debt and the American Dream, to explore our nation's fascinating and turbulent relationship with money...
Apr 25, 2025 – In this compelling interview, Jim Puplava sits down with Chris Whalen, financial expert and author of Inflated: How Money and Debt Built the American Dream, to explore our nation's fascinating and turbulent relationship with money...
Medikabazaar news: From a $700M valuation to financial scandal engulfing the healthtech.Learn about inflated GMV, the $33M claim by Series C investors, governance failure, and the fallout.
In ep 116 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, André Refig joins Sam and Mark to explore the musicality of an infomercial call to action… and how to create proper characterisation within a mobile-phone video game. There's also an astounding stretchy-to-the-point-of-bursting wildcard!Our VO question this week is all about creating characters for videos games - where to start, how to flesh them out, and what a director really wants!Get involved! Have you got a Wildcard suggestion that we should try or an idea for the show? Send it to us via Mark or Sam's social media or email it directly to podcast@britishvoiceover.co.ukScript 1What do you do when your tyre goes flat and there's no air anywhere to fix that? You reach for INFLATE PRO! The smart, fast, hands-free way to fill it up with air. Inflate Pro is so advanced, it has a built-in smart pressure digital sensor that gauges and automatically stops when the set tyre pressure is reached. Plus it can be 100% hands-free. You simply set the target pressure and walk away, keeping you out of harm's way.In just 2 minutes, you'll go from low to GO with Inflate Pro!Script 2Start VO:“Dice dice baby!”“Dice to meet you (insert nerdy laugh)”Hurts someone:"You appear to have had a critical failure.""You clearly forgot to read subsection 37 of rule 749. Loser!"Uses special move:"Cheatmode enabled!""Time for some dicey hacks!"Dies:"But...but... my calculations" "Loosing to a n00b. Perfect."We'd love your feedback - and if you listen on Apple Podcasts or Spotify, hit the follow button today!**Listen to all of our podcasts here - you can also watch on YouTube, or say to your smart speaker "Play How Do You Say That?!"About our guest: André Refig is a bilingual actor and voiceover with a native accent in both French and English and he works roughly 50-50 in each. He specialises in the corporate and video game sectors, but has also voiced TV and radio commercials, audio dramas, animations, ELT, audiobooks, with plenty of dubbing and ADR. Game franchises he's worked on include Assassin's Creed, Cyberpunk, Dying Light, Brawl Stars, Formula 1, Age of Empires and more. On screen he's been in TV series such as Killing Eve and We Were the Lucky Ones, and he's been treading the boards professionally since 2008, most proudly having been in the original cast of the current West End production of Cabaret. He has two young boys, the eldest of which has also started working in voiceover at the tender age of 7! In his non-existent spare time, he enjoys baking! André's Website @andrerefig on Instagram André's Facebook page Resources: Click here for the...
040925 Scott Adams Show, China 84% tariff will ruin them, Wall St inflated by globalist cheap labor stocks
Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to The Julia La Roche Show for episode 247 to discuss tariffs, markets, and the economy. Sponsor: This episode is brought to you by Monetary Metals. https://monetary-metals.com/julia Chris Whalen explains why the tariff debate is largely a distraction - part of Trump's "shock and awe" strategy to force trading partners to negotiate fairer terms as America attempts to end the Bretton Woods system after 75 years. He sees credit deterioration emerging in auto loans and credit cards while warning about multi-family housing defaults, particularly in smaller urban properties where market indicators show values 50% below their last sale. Despite market fears, Whalen believes the bond market is already cutting rates regardless of Fed action, with the 10-year yield dropping to 3.94% due to strong demand for risk-free collateral and Treasury's efforts to reduce auction sizes. He predicts financial consolidation will continue, pointing to the mortgage industry shrinking to just five major lender/servicer groups, while suggesting investors should look for stock opportunities despite current volatility.Links: Twitter/X: https://twitter.com/rcwhalen Website: https://www.rcwhalen.com/ The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/ Inflated book (2nd edition): https://www.amazon.com/Inflated-Money-Debt-American-Dream/dp/139428571XStanley Middleman book: https://www.amazon.com/Seeing-Around-Corners-Achieving-Business/dp/B0D5PTSJVC/ 0:00 Introduction1:27 Tariffs 3:03 Market reaction assessment5:11 Investment strategy amid volatility7:40 Historical context of tariffs10:37 Main Street vs Wall Street priorities11:17 Impact and distribution of tariff costs13:30 Consumer credit and lending trends15:34 Multi-family housing defaults17:36 Real estate overbuilding concerns18:17 Consumer recession outlook20:46 Job market and recession dynamics22:57 Fed outlook and rate environment24:52 Balance sheet impact discussion26:56 Treasury market outlook29:36 Client questions about market positioning30:57 Closing remarks and contact information
Ep 432 ERIC EOTWE - INFLATED HIV NUMBERS, TUJU, INFLUENCERS & OSCAR SUDI GETTING FED CAKE
Questions? Comments? We love feedback! Email us at info@baishavaad.org
Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to The Julia La Roche Show for episode 240 to discuss markets and the state of the economy. Sponsor: This episode is brought to you by Monetary Metals. https://monetary-metals.com/julia Whalen explains why market euphoria has faded under Trump's "shock and awe" strategy. Banks face a $3 trillion mortgage securities problem yielding under 3% against 3% funding costs. He notes the FDIC has stopped reporting troubled bank asset totals after 35 years, suggesting numerous insolvent institutions need resolution. Despite these issues, Whalen doesn't forecast a recession, seeing continued growth with isolated credit problems. In commercial real estate, he describes a "silent recession" where banks avoid taking properties, while for residential real estate he predicts price softening, then a rate-cut mini-boom before a major 2028 correction. Whalen also calls Fannie & Freddie stocks a "pump and dump" trade, states gold is "the only form of money that's not debt," and dismisses crypto as "nothing."Links: Twitter/X: https://twitter.com/rcwhalen Website: https://www.rcwhalen.com/ The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/ Inflated book (2nd edition): https://www.amazon.com/Inflated-Money-Debt-American-Dream/dp/139428571XStanley Middleman book: https://www.amazon.com/Seeing-Around-Corners-Achieving-Business/dp/B0D5PTSJVC/ 0:00 Intro and welcome back Chris Whalen 1:06 Big picture market overview and Trump policy impact 2:49 Stock market as political proxy and market conditions 4:46 Fed policy outlook and potential rate cuts 6:09 Banking sector challenges and mark-to-market issues 8:07 Silicon Valley Bank anniversary and bank issues 11:10 Economic assessment and credit conditions 13:52 Commercial real estate challenges 16:11 Discussion of tariffs and Trump's structural changes 20:13 Debt, government spending, and economic growth 22:18 Investment approach and AI skepticism 24:36 Gold vs cryptocurrency perspective 25:58 Fannie Mae and Freddie Mac 27:29 Housing market conditions and affordability 29:50 Closing thoughts and where to find his work
Rich people do not get wealthy because they are inherently more innovative or industrious than most. They profit from inflated pricing and wages denied the working class sanctioned by the tenets of capitalism.
Leaving cert results will be lower this year, as inflated grades are set to drop for the first time in five years. Ciara discussed this further with Education Editor of the Irish Times Carl O'Brien.
Leaving cert results will be lower this year, as inflated grades are set to drop for the first time in five years. Ciara discussed this further with Education Editor of the Irish Times Carl O'Brien.
Crowdstrike (CRWD) will report earnings after the closing bell, and Jeff Pierce says its demand will serve as a critical point in the report. He notes the company has accelerated its customer base but warns of macro headwinds impacting its outlook. Tim Biggam later offers an example options trade for Crowdstrike. He says investors can utilize "inflated volatility" with the trade.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about
Jon continues talking about Elon's big email and e-pull tabs.
After claims she exaggerated her CV, Rachel Reeves' entry in Who's Who is found to be at fault. Will it cut through with the public?Hugo Rifkind unpacks the politics of the day with Libby Purves and James Marriott. Hosted on Acast. See acast.com/privacy for more information.
Inaccurate bills. Late bills. Inflated bills. Bills covered by another party. David W. Johnson and Julie Murchinson debate on, “Should Consumers Pay Their Unpaid Medical Bills?” the new episode of the 4sight Health Roundup podcast, moderated by David Burda.
On this episode of Drilling It Down, Wes and Tyler return to explore the intricacies of sale-leaseback arrangements, focusing on the dangers of inflated leases. Drawing parallels with the Toys R Us saga following its private equity buyout, they discuss how companies opt to sell real estate for immediate cash, often leading to financial downfall. They break down the pros and cons of sale-leasebacks, underscoring the risks when companies overreach in pursuit of capital. Tyler emphasizes robust research for potential commercial investments, warning against the traps of inflated rents and the perils of uninformed property acquisitions. They highlight the necessity of local market expertise, cautioning listeners to consult seasoned brokers rather than relying solely on online listings for viable deals. The conversation also touches on the pivotal role of cap rates and interest rates, offering insights into evaluating leases for long-term success. Wes and Tyler adeptly guide listeners through the complexities of commercial real estate investing, providing crucial lessons and strategies to avoid costly pitfalls. Their discussion arms both seasoned and aspiring investors with knowledge essential for safeguarding their financial future.Want to submit a question that will be answered on the next episode? Submit it here or email us at newsletter@mcgillhillgroup.com.If you're not already, subscribe to The McGill & Lyon Dental Advisory newsletter here to keep up with all the articles mentioned in our episodes, as well as a plethora of other content. Use code Podcast20 for 20% off!Listen to our sister show, Next Gen DDS! An all-in-one resource for dental students, residents, and early career doctors, discussing both clinical and business aspects of dentistry, hosted by Wes Lyon and Dr. Scott Menaker.
MRKT Matrix - Wednesday, January 22nd S&P 500 rises to fresh record as Trump optimism, strong earnings reignite stock rally (CNBC) Nasdaq 100's Historic Bull Run Has Further to Go, Evercore Says (Bloomberg) JPMorgan's Dimon Says US Stock Prices Are ‘Kind of Inflated' (Bloomberg) Tech Leaders Pledge Up to $500 Billion in AI Investment in U.S. (WSJ) Musk and Altman Spar Over $100 Billion AI Venture Hyped by Trump (Bloomberg) Trump Says He's Open to Elon Musk or Larry Ellison Purchasing TikTok (Bloomberg) --- Subscribe to our newsletter: https://riskreversalmedia.beehiiv.com/subscribe MRKT Matrix by RiskReversal Media is a daily AI powered podcast bringing you the top stories moving financial markets Story curation by RiskReversal, scripts by Perplexity Pro, voice by ElevenLabs
Let's talk about the one thing that might secretly be sabotaging your relationships, decision-making, and personal growth: your ego. In this episode of The Save A Bro Show, we're breaking down the inflated ego—what it is, why we develop it, and how it could be the root of your struggles with women and life in general.Here's what we'll cover:The signs of an inflated ego—like overestimating your abilities, chasing validation, or dismissing others' opinions.Why we develop big egos, from insecurity and childhood criticism to societal expectations.The real-life consequences of an inflated ego, including bad decisions, constant drama, and relationship struggles.How to start deflating your ego so you can elevate your life and build real connections.If you've ever wondered why relationships don't stick, why you take everything personally, or why personal growth feels stuck, this episode is for you. It's not about tearing you down—it's about helping you break free from the ego's grip so you can reach your full potential.Don't forget to like, share, and subscribe—and check out my program, How to Vet Women Properly, to protect your peace and build meaningful relationships.Click Here For How To Vet Women Properly - https://bit.ly/4gVnmlF
The Farm Family TableâHomesteading, Homemaking, Christian Mom
Are you ready to move out of the suburbs and expand your homestead? Maybe one of your goals this year is to purchase land and start growing your homestead into what you've always wanted it to be. But if you've done any looking, you know that land isn't cheap, and interest rates aren't either. Maybe you would love to get a couple acres of your own in the country, but you just don't have the extra cash to spend. Today, I want to share some tips with you on how you can afford land even in an inflated economy. No matter where you are at financially, I am going to walk you through how you can make your dreams of owning your own homestead property a reality. I hope this episode gives you some helpful info whether you are serious about moving this year or if still in the daydreaming or research phases. I pray that God would guide you in the process, that you would find the perfect property that meets your family's needs and that God would bless you with the finances you need to get started. Thank you so much for joining me! Resources mentioned in today's episode: → Submit a question for the show! Our Sponsor: Inherit Clothing Company - find modest, fashionable clothes designed with Christian values Go to inheritco.com/FARMFED Use code: FARMFED for 10% off your order Join the free Farm Family Community Free recipes, gardening tips, food preservation tutorials, and more! Follow us on Facebook Connect with Jocelyn!
Let us know what you think - text the show!Happy national Sangria DayIts easier to get to TampaMayor concerned about Burlington police staffing reportSaint Albans has its own policing problemsUVM men's soccer wins 2024 NCAA tournamentPro-Palestinian ballot measure fails to make it to bal Tenants vs landlords$21.8M housing project to create 40 units in Newport area Governor to again ask lawmakers to delay juvenile justice Burlington Cannabis Shop to ClosePutney Mountain Hawkwatch Recent Canada lynx sightings (1:01:46) Break music: Bone Bone - “Jounce”https://burlingtonelectronicdepartment.bandcamp.com/track/jounce Will it lamp?Bethel's 1st annual drag ChristmasCollecting VermontianaManure spreading ban Barre emergency crews to get better radio coverageWCAX Investigates: Why didn't financial irregularities trigger state invBernie Look alike(1:28:27) Break music: Cave Chimera - “Things Change”https://cavechimera.bandcamp.com/track/things-change Scumbag mapShaftsbury man faces years of jail without trial after re-offendingAmbulance fracasVT man accused of serious mail threatsSoBu man connected with Saint J robberyBelvidere camp murderSaint Albans grocery store clerk assaulted The ol crash and grab in RutlandNewport woman charged with forcing teen to drink detergent mixture -Thanks for listening!Follow us on Facebook: facebook.com/VermontCatchup Follow Matt on twitter: @MatthewBorden4 Contact the show: 24theroadshow@gmail.comOutro Music by B-Complex
Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. Today, we bring you a bonus episode of Welcome to What Matters Now, a weekly podcast exploring key issues currently shaping Israel and the Jewish World, with host deputy editor Amanda Borschel-Dan speaking with Andrew Fox. Fox, a research fellow at the Henry Jackson Society, served in the British Army from 2005 to 2021, completing three tours in Afghanistan, including one attached to the US Army Special Forces. At the transatlantic think tank, he specializes in Defense, the Middle East, and disinformation. He holds degrees in Law and Politics, Modern War Studies and Psychology. This week, Fox and a team of researchers published a report that made international headlines titled, "Questionable Counting: Analysing the Death Toll from the Hamas-Run Ministry of Health in Gaza." According to the report, the Palestinian death toll for the Gaza war appears to include thousands of people who died of natural causes as well as incorrect figures — partly in an effort to inflate the toll of women and children. Worse, international media outlets are too quick to accept the figures from terror group Hamas -- usually without the scrutiny and rigor that are applied when reporting numbers supplied by Israel. The Hamas-run Health Ministry's figures, the report claims, are being manipulated for propaganda needs. [caption id="attachment_3442530" align="alignright" width="300"] Andrew Fox, a research fellow at the Henry Jackson Society, on a research trip in the Gaza Strip, summer 2024. (courtesy)[/caption] The Gaza health ministry, under Hamas, “has systematically inflated the death toll by failing to distinguish between civilian and combatant deaths, over-reporting fatalities among women and children and even including individuals who died before the conflict began,” the report said. We discuss the report and hear Fox's assessment of how the IDF's operations in Gaza have played out, as well as the one arena Israel has neglected -- the fight for world opinion. For news updates, please check out The Times of Israel’s ongoing live blog. Discussed articles include: UK think tank: Gaza death toll inflated to defame Israel for targeting civilians Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. This episode was produced by the Pod-Waves.See omnystudio.com/listener for privacy information.
Welcome to What Matters Now, a weekly podcast exploring key issues currently shaping Israel and the Jewish World, with host deputy editor Amanda Borschel-Dan speaking with Andrew Fox. Fox, a research fellow at the Henry Jackson Society, served in the British Army from 2005 to 2021, completing three tours in Afghanistan, including one attached to the US Army Special Forces. At the transatlantic think tank, he specializes in Defense, the Middle East, and disinformation. He holds degrees in Law and Politics, Modern War Studies and Psychology. This week, Fox and a team of researchers published a report that made international headlines titled, "Questionable Counting: Analysing the Death Toll from the Hamas-Run Ministry of Health in Gaza." According to the report, the Palestinian death toll for the Gaza war appears to include thousands of people who died of natural causes as well as incorrect figures — partly in an effort to inflate the toll of women and children. Worse, international media outlets are too quick to accept the figures from terror group Hamas -- usually without the scrutiny and rigor that are applied when reporting numbers supplied by Israel. The Hamas-run Health Ministry's figures, the report claims, are being manipulated for propaganda needs. The Gaza health ministry, under Hamas, “has systematically inflated the death toll by failing to distinguish between civilian and combatant deaths, over-reporting fatalities among women and children and even including individuals who died before the conflict began,” the report said. We discuss the report and hear Fox's assessment of how the IDF's operations in Gaza have played out, as well as the one arena Israel has neglected -- the fight for world opinion. So this week, we ask London-based defense analyst Andrew Fox, what matters now. What Matters Now podcasts are available for download on Apple Podcasts, Spotify, YouTube or wherever you get your podcasts. This episode was produced by the Pod-Waves. IMAGE: The IDF operates in the southern Gaza Strip's Rafah in this hand out image from December 16, 2024. (IDF)See omnystudio.com/listener for privacy information.
Elon Musk's company, xAI, filed a complaint against OpenAI for its recruitment practices, alleging that OpenAI excessively attracts talent with high salaries. Musk estimates OpenAI's workforce at about 1,500 employees, while other estimates suggest nearly 4,800. The complaint claims OpenAI's strategy limits competition by providing above-average compensation packages. Salary data from specialty visa applications indicates that OpenAI pays significantly more than the U.S. Department of Labor's average wages for various positions. According to an analysis, OpenAI's salaries range from $145,000 to $530,000, averaging 87% above prevailing wages. In contrast, xAI's salaries range from $250,000 to $500,000, which is 37% above average. OpenAI's highest-paying roles include positions in communications, data science, product staff, and technical staff, with significant percentage differences compared to prevailing wages.Learn more on this news visit us at: https://greyjournal.net/ Hosted on Acast. See acast.com/privacy for more information.
A clever new experiment has shown that bearded dragons can learn skills by copying other dragons. Then we have a brand new orange and black newt species. Become a Patreon: https://www.patreon.com/herphighlights Merch: https://www.redbubble.com/people/herphighlights/shop Full reference list available here: http://www.herphighlights.podbean.com Main Paper References: Kis A, Huber L, Wilkinson A. 2015. Social learning by imitation in a reptile (Pogona vitticeps). Animal Cognition 18:325–331. DOI: 10.1007/s10071-014-0803-7. Species of the Bi-Week: Pomchote P, Peerachidacho P, Khonsue W, Sapewisut P, Hernandez A, Phalaraksh C, Siriput P, Nishikawa K. 2024. The seventh species of the newt genus Tylototriton in Thailand: a new species (Urodela, Salamandridae) from Tak Province, northwestern Thailand. ZooKeys 1215:185–208. DOI: 10.3897/zookeys.1215.116624. Other Mentioned Papers/Studies: Folt B, Marshall M, Emanuel JA, Dziadzio M, Cooke J, Mena L, Hinderliter M, Hoffmann S, Rankin N, Tupy J, McGowan C. 2022. Using predictions from multiple anthropogenic threats to estimate future population persistence of an imperiled species. Global Ecology and Conservation 36:e02143. DOI: 10.1016/j.gecco.2022.e02143. Loope KJ, Akçakaya HR, Shoemaker KT. 2024. Inflated predictions from a flawed model influenced the decision to deny federal protection for the gopher tortoise. Global Ecology and Conservation 54:e03089. DOI: 10.1016/j.gecco.2024.e03089. Folt B, Marshall M, Emanuel JA, Dziadzio M, Cooke J, Mena L, Hinderliter M, Hoffmann S, Rankin N, Tupy J, McGowan C. 2024. Strengths and opportunities in gopher tortoise population modeling: Reply to Loope et al. Global Ecology and Conservation 54:e03093. DOI: 10.1016/j.gecco.2024.e03093. Other Links/Mentions: Learn JR. 2024.Research challenges gopher tortoise listing decision. Available at https://wildlife.org/research-challenges-gopher-tortoise-listing-decision/ (accessed December 5, 2024). Editing and Music: Intro/outro – Treehouse by Ed Nelson Species Bi-week theme – Michael Timothy Other Music – The Passion HiFi, https://www.thepassionhifi.com Intro visuals – Paul Snelling
This week's show is with Rod Boothroyd. Rod brings more than two decades' experience of working with men and women to his current work as a Healing The Shadow practitioner. Rod's career in the area of human potential started with his training in Transactional Analysis psychotherapy at the Manchester Institute for Psychotherapy in 1999. Since then he has taken further training in Integrative Psychotherapy, worked with the ManKind Project UK and Ireland (where he was a Primary Integration Training leader), and researched in depth the art of working with, and reintegrating, the human shadow. He is now working as a one-to-one coach and therapist, and is also a supervisor with Healing The Shadow, an organisation devoted to emotional healing and the development of human potential. In this episode, Lian and Rod delve into the concept of the 'sovereign within' and its transformative implications for leadership, personal growth, and soul awakening. They explore the essence of heart-centred leadership - including the importance of compassion and self-love, they share insights into the archetypes of inflated and deflated sovereigns - highlighting their manifestations in everyday life and the deeper insecurities they conceal, reflect on the pivotal role of purpose in anchoring a strong sense of self, and talk about the dynamics of childhood experiences and how these early influences sculpt our ability to and our path of embodying sovereignty. We'd love to know what YOU think about this week's show. Let's carry on the conversation… please leave a comment wherever you are listening or in any of our other spaces to engage. What you'll learn from this episode: Heart-centred leadership begins with awareness and self-compassion - We need to see and nurture the inner child and the growing sovereign within. Recognising shadow archetypes deepens self-awareness - Inflated sovereigns, driven by insecurities, and deflated sovereigns, hindered by self-worth struggles, offer powerful insights into our behaviours and relationships. Purpose and self-love are the cornerstones of sovereignty - by embracing self-acceptance and aligning with purpose, we create a foundation for self-discovery and leadership that can transform not only our own lives but those around us. Resources and stuff spoken about: Rod's websites: https://www.htsorganisation.co.uk https://www.strongfreemen.co.uk Rod's Books: Finding the King Within: How to Access and Embody the Power of Your Inner King Archetype King Warrior Magician Lover: A Guide to the Male Archetypes Updated for the 21st Century The book Rod mentioned on relationships: Us by Terrence Real Join UNIO, the Academy of Sacred Union. This is for the old souls in this new world… Discover your kin & unite with your soul's calling to truly live your myth. Be Mythical Join our mailing list for soul stirring goodness: https://www.bemythical.com/moonly Discover your kin & unite with your soul's calling to truly live your myth: https://www.bemythical.com/unio Go Deeper: https://www.bemythical.com/godeeper Follow us: Facebook Instagram TikTok YouTube Thank you for listening! There's a fresh episode released each week here and on most podcast platforms - and video too on YouTube. If you subscribe then you'll get each new episode delivered to your device every week automagically. (that way you'll never miss a show).
Chuck Zodda and Paul Lane discuss Jerome Powell's upcoming speech that could indicate the near future of rate cuts. Is the economy still inflated? Why you should be paying attention to the situation in South Korea. Todd Lutsky joins the show for his weekly segment, Ask Todd.
Mel Brooks produces this 80s Rollerskating “classic.” Inflated budgets, revolving narrative, unruly child actors, an unexperienced director, and an iron-fisted Mel Brooks couldn't stop this forgotten flick. It's got the star power, and special effects but can that alone make this nostalgia bait stand the test of time? --- Support this podcast: https://podcasters.spotify.com/pod/show/cinekuest-video/support
When I was a banker, I used to get nervous when one of my business loan customers would receive glowing press and be featured in articles. When the accolades happened frequently, it was not uncommon to watch my customer's pride and ego become almost unbearable. It usually wasn't long afterwards that I would watch as ... The post Inflated Egos appeared first on Unconventional Business Network.
Chuck Zodda and Paul Lane discuss the idea that the S&P 500 is inflated by 25% because investors forgot about the fundamentals. Ivan Drury from Edmunds.com joins the show to chat about EV incentives. Target's recent trade imports data tells the real story behind massive earnings miss. How are retirement rules changing under Trump? Thanksgiving meals are expected to be cheaper in 2024 as turkey prices drop.
In today's episode of Impact Theory, host Tom Bilyeu delves deep into the intricate world of modern relationships, societal expectations, and personal growth with guest Sadia Khan. Together, they explore the complexities of attraction and success, shedding light on how physical allure and ambition shape romantic dynamics. Sadia shares her preferences for driven, accomplished men, linking laziness to missed opportunities, while Tom reflects on his transformative journey motivated by his commitment to his wife, Lisa. Khan's perspective on pay disparities and societal norms, particularly in places like Dubai versus the UK, provides a thought-provoking angle on cultural and economic biases. The conversation takes a candid turn as they discuss the motivational power of admiration, the impact of materialism on relationships, and the unrealistic expectations fueled by social media. This episode also navigates the often contentious waters of sexual dynamics, examining the role of mutual attraction, the evolving landscape of hypergamy, and the pitfalls of transactional relationships. Both speakers emphasize the importance of self-improvement, setting boundaries, and finding partners who respect and value genuine connections over superficial traits. SHOWNOTES 00:00 Women dislike men lacking potential fulfillment. 17:57 Dating apps distort self-esteem and relationships. 26:09 Men should invest in themselves for relationships. 37:15 Having kids is risky with wrong partner. 43:47 Bonobos bond, women excel in emotion and caregiving. 01:00:36 Inflated sexual expectations impact realistic relationships. 01:04:44 Capitalism and culture influence men's dating behavior. 01:14:50 Young men face tougher competition in dating. CHECK OUT OUR SPONSORS Range Rover: Explore the Range Rover Sport at https://landroverUSA.com Miro: Bring your teams to Miro's revolutionary Innovation Workspace and be faster from idea to outcome at https://miro.com. Found Banking: Stop getting lost in countless finance apps and try Found for free at https://found.com/impact. Netsuite: Download the CFO's Guide to AI and Machine Learning for free at https://netsuite.com/theory Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Factor: Get 50% off your first box plus 20% off your next month while your subscription is active at https://factormeals.com/impacttheory50 with code impacttheory50. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices
(0:00) Bestie intros! (5:40) US Real GDP growth comes in at 2.8%, but there are underlying issues (29:16) Google earnings: YouTube and Cloud post huge quarters, would they have survived outside of Google? (36:24) Sacks's idea to auction off public spectrum licenses of major broadcast networks (42:17) How the media became one of the least trusted institutions in the US (54:26) Why Joe Rogan's interview with Trump was not appearing in YouTube search results (1:08:54) Final pre-election segment: how it's tracking, election integrity, voter fraud stats Get notified for the Election Night Livestream: https://www.youtube.com/watch?v=D4Xaqgd9-Ro Get tickets for The All-In Holiday Spectacular!: https://allin.ticketsauce.com/e/all-in-holiday-spectacular Follow the besties: https://x.com/chamath https://x.com/Jason https://x.com/DavidSacks https://x.com/friedberg Follow on X: https://x.com/theallinpod Follow on Instagram: https://www.instagram.com/theallinpod Follow on TikTok: https://www.tiktok.com/@theallinpod Follow on LinkedIn: https://www.linkedin.com/company/allinpod Intro Music Credit: https://rb.gy/tppkzl https://x.com/yung_spielburg Intro Video Credit: https://x.com/TheZachEffect Referenced in the show: https://fred.stlouisfed.org/series/DGS10 https://x.com/freesites_com/status/1851615700869144908 https://www.cnbc.com/2024/10/30/dropbox-slashes-20percent-of-global-workforce-eliminating-500-roles.html https://fred.stlouisfed.org/series/FYONGDA188S https://www.commercebank.com/about-us/prime-rate-update https://www.fdic.gov/system/files/2024-05/unrealized-gains-losses-on-investment-securities.png https://abc.xyz/assets/71/a5/78197a7540c987f13d247728a371/2024q3-alphabet-earnings-release.pdf https://www.cnbc.com/2024/10/29/google-cfo-says-company-can-push-a-little-further-in-cost-savings.html https://variety.com/2024/digital/news/youtube-q3-2024-advertising-revenue-growth-1236193926 https://x.com/DavidSacks/status/1818467743479542130 https://news.gallup.com/poll/512861/media-confidence-matches-2016-record-low.aspx https://news.gallup.com/poll/508169/historically-low-faith-institutions-continues.aspx https://www.axios.com/2023/10/24/americans-trust-in-media-plummets-to-historic-low-poll https://www.washingtonpost.com/opinions/2024/10/28/jeff-bezos-washington-post-trust https://x.com/DavidSacks/status/1850277560816681255 https://x.com/DavidSacks/status/1850979360037356001/photo/1 https://x.com/davidsacks/status/1844429818554876026 https://x.com/elonmusk/status/1851745648313602189
Hungary is a hot EU topic again. In the middle of its EU presidency, Prime Minister Viktor Orbán sparked heated debates in the European Parliament with his appearances in Strasbourg. An ongoing blocking of aid to Ukraine, attacks on Brussels or Hungary's contacts with Moscow do not leave EU politicians calm. „Whatever Russia wants, he is fine with that,“ says leading Hungarian investigative journalist Szabolcs Panyi in this special English edition of Brussels Bites podcast.
Find 10 friends who don't vote and we win! - https://www.10xvotes.com/Check out the STACK for links from each show here: http://JustinBarclay.comGet up to $10,000 in free silver with qualified accounts from my new partners at Goldco!Go to http://JustinLikesGold.com to get a free 2024 Gold Kit or call 855.512.GOLD (4653)#goldopartnerTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.comDown 40 Pounds in 40 Days.. Find Out How http://HealthWithJustin.comNo matter what's coming, you can be ready for your family and others. http://PrepareWithJustin.com#ad
October 18, 2024 ~ Nolan Finley, Editorial Page Editor of the Detroit News discusses both Donald Trump and Kamala Harris in town as well as voter rolls over inflated by 500,000 people.
Sure, grocery prices are through the roof, but are farmers paying the ultimate price? This insightful podcast gives dietitians, consumers, and farmers insight on the impact of inflation around the food plate. In this candid conversation, Michele and Nicole take a deeper dive into the impact of the yet-to-passed Farm Bill, consumer demand, and the ensuing stress on farmers. They talk food insecurity, inflation, farming practices, and nutrition myths in this episode of the Food Bullying podcast. Offering perspectives from their respective fields, Michele and Nicole also discuss the weight of dis- and misinformation on their personal and professional lives. On a lighter note, the two share recent recipe wins to give listeners ideas for their own kitchen.
How do we know if we consider ourselves better than others?Angie's older son, Alex, joins her to discuss how thoughts of self-importance create obstacles in relationships.1 Corinthians 13:4 (NASB1995)“Love is patient, love is kind and is not jealous; love does not brag and is not arrogant,”2023 Home - Live Steady OnEmail Angie at: steadyonpodcast@gmail.comFacebook @livesteadyonInstagram @angiebaughman421Grab freebies and subscribe to the weekly Steady On newsletter at: Live Steady On Newsletter - Live Steady OnYou can download a blank study sheet here: https://livesteadyon.com/sbs-blank-study-sheet/Interested in the Step By Step Bible study method? Download the FREE masterclass here: Step By Step Masterclass - Live Steady OnThis podcast Angie's Bible study, “Love Never Fails: Building a Framework for Healthy Relationships” can be found here:Love Never Fails: Building a Framework for Healthy RelationshipsLearn about Steady On University here:Steady On UniversityLogos SoftwareLogos Bible Study PlatformEnduring Word CommentaryEnduring Word - Free Bible Commentary from Pastor David GuzikWordHippoWordHippo!BibleGatewayBibleGateway.com: A searchable online Bible in over 150 versions and 50 languages.Blue Letter BibleBible Search and Study Tools - Blue Letter BibleRichard L. Pratt Jr, I & II Corinthians, vol. 7, Holman New Testament Commentary (Nashville, TN: Broadman & Holman Publishers, 2000), 230–231.Douglas Mangum, ed., Lexham Context Commentary: New Testament, Lexham Context Commentary (Bellingham, WA: Lexham Press, 2020), 1 Co 13:4–7.John D. Barry et al., Faithlife Study Bible (Bellingham, WA: Lexham Press, 2012, 2016), 1 Co 13:4.Theme music:Glimmer by Andy Ellison
Chapters: 19:21 GMC Recap w/ Aaron Gossage & Ezra Aderhold 51:35 RATINGS ARE FLAWED! 1:11:30 Alden Harris like medium salsa 1:40:15 Thoughts on Isaac Robinson's statement 1:48:12 UPDATE to Masters at Bud Hill Event 1:53:10 DiscGolfLaw Interesting Statement 2:07:30 Listener Questions
Parables // The Parable of the Elder Brother Luke 15:25-32 (NIV)““Meanwhile, the older son was in the field. When he came near the house, he heard music and dancing. So he called one of the servants and asked him what was going on. ‘Your brother has come,' he replied, ‘and your father has killed the fattened calf because he has him back safe and sound.' “The older brother became angry and refused to go in. So his father went out and pleaded with him. But he answered his father, ‘Look! All these years I've been slaving for you and never disobeyed your orders. Yet you never gave me even a young goat so I could celebrate with my friends. But when this son of yours who has squandered your property with prostitutes comes home, you kill the fattened calf for him!' “ ‘My son,' the father said, ‘you are always with me, and everything I have is yours. But we had to celebrate and be glad, because this brother of yours was dead and is alive again; he was lost and is found.' ”” Symptoms of “the elder brother syndrome”1. Projects judgment towards others and God. 2. Inflated view of their own righteousness. 3. Misunderstanding of God's grace. Matthew 20:8-15 (The Message)“'Call the workers and pay them their wages. Start with the last hired and go on to the first. Those hired at five o'clock came up and were each given a dollar.' When those who were hired first saw that, they assumed they would get far more. But they got the same, each of them one dollar. Taking the dollar, they groused angrily to the manager, ‘These last workers put in only one easy hour, and you just made them equal to us, who slaved all day under a scorching sun.' [sound like the older brother?] He replied to the one speaking for the rest, ‘Friend, I haven't been unfair. We agreed on the wage of a dollar, didn't we? So take it and go. I decided to give to the ones who came last the same as you. Can't I do what I want with my money? Are you going to get stingy because I am so generous?'” The loving father's message to the elder brother. 1. It's not your works I cherish, it's you. 2. All I have is yours. 3. I want you to enjoy my party.
We Dive Deep into the 2024 Buffalo #Bills ... who rank 14th in my Power Rankings heading into the year. We preview EVERY aspect of their team for the upcoming season and beyond. se Promocode: "TFG" On Underdog Fantasy For 50% Bonus Match Up to $250 Match On Your First Deposit! https://bit.ly/3vbmeUG Must be 18+ (21+MA & AZ, 19+ AL, NE). Concerned with your play? Call 1-800-GAMBLER; For additional resources please visit https://underdogfantasy.com/responsible-gaming-resources Join my Community Discord Server! https://discord.gg/n46p98x6QE Chapters Intro 0:00 Offseason Changes 1:50 Coach & Scheme 8:59 Quarterback 22:09 Weapons 27:57 Backfield 44:48 O-Line 52:20 Offensive Summary 1:04:00 D-Line 1:05:39 Linebackers 1:18:57 Secondary 1:26:07 Defensive Summary 1:40:10 Team Summary 1:43:13 Special Teams 1:45:15 Schedule Outlook & Win Total Projection 1:55:30
They do not change. They will never change. They do not grow. *You must accept this.* They do not stop their tactics because it works for them. Never engage with them. They are dead to you. They always come back for more attention, energy, validation (narcissistic supply). They will try to bait you, humiliate you, engage you in any way, to get access to your energy through a reaction. They are unsafe, destructive, harmful, and dangerous to your well-being. Narcissists engage in gaslighting, baiting, character assassinations, humiliation, attacks, hoovering, flying monkeys, lies, manipulation in multiple forms, extensive self-obsession, extreme drama, reversing the story, and one-sided narratives that only serve them in some capacity. The gold is found in YOUR growth, empowerment, detachment and strength. The gold is found in what you are powerfully ending for your own soul growth. The gold is found in what is evolving in your own astrology chart and personal planets. Please seek professional help and support if you are moving through any experience with narcissism. Originally recorded July 23, 2024. Narcissism is defined as possessing 5 of 9 qualiies: Inflated self-esteem or a grandiose sense of self-importance or superiorityCraving admirationExploitative relationships (i.e., manipulation)Little to no empathyIdentity is easily disturbed (i.e., can't handle criticism)Lack of attachment and intimacyFeelings of depression or emptiness when not validatedA sense of entitlementCan feel like others are envious of them, or may envy others
In this episode of Trending in Education, Mike Palmer and his AI co-host Nancy explore whether generative AI in education has entered the peak of inflated expectations or even the trough of disillusionment on the Gartner Hype Cycle. We discuss the origins of the Hype Cycle and its relevance to current AI trends. Then we dive into recent developments, including the LAUSD's experience with an AI chatbot and Scarlett Johansson's battle with OpenAI over the rights to her voice. These events highlight growing concerns about data privacy, cybersecurity, and intellectual property in the AI space. We also examine the concept of the Uncanny Valley and its impact on AI adoption, emphasizing the need for human involvement to smooth over AI's shortcomings. The discussion touches on the challenges of data interoperability in education and the importance of solving real problems with seamless, user-friendly solutions. Key takeaways: Generative AI may be entering the trough of disillusionment, with increasing focus on negative stories and backlash. Data privacy, cybersecurity, and intellectual property concerns are becoming more prominent in AI implementation. Human involvement remains crucial in AI integration, particularly in addressing the Uncanny Valley effect and ensuring effective emotional design. Join us for this insightful exploration of AI's current state in education. Don't forget to subscribe to Trending in Education for more thought-provoking discussions on the future of learning and technology!
#StateThinking:The UN says vital casualty numbers are 50% inflated. @MaryKissel Former Senior Adviser to the Secretary of State. Executive VP Stephens Inc. https://www.timesofisrael.com/liveblog_entry/gantz-discusses-hostage-talks-saudi45 RAMALLAH-normalization-with-top-biden-aide-sullivan/ 19
In this episode of the Get Rich Education podcast, host Keith Weinhold explores the current state of home pricing and the housing market. He examines whether homes are overpriced or underpriced by comparing them to historical values, gold, and bitcoin, and discusses the influence of inflation and financing on affordability. The episode features insights from Danielle Hale, chief economist at realtor.com, on the challenges for young homebuyers, housing supply issues, and mortgage rate effects. The conversation also covers the build-to-rent trend, investment strategies, and the importance of increasing housing construction. Weinhold concludes by offering free coaching for building real estate portfolios. Resources mentioned: For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete episode transcript: Welcome to GRE! I'm your host, Keith Weinhold. Home Prices Aren't Really Up! Brace yourself. A mic drop moment on real estate costs is coming. It's an unmasking - a reality check on property prices. Are homes actually still priced too LOW today? How could that POSSIBLY be true at all? On Get Rich Education. _____________ Welcome to GRE! From Belgrade, Serbia to Belleville, Illinois and across 188 nations worldwide. I'm Keith Weinhold and you're listening to Episode 501 of Get Rich Education. We'll get to “Are homes overpriced or underpriced today?” shortly. But understand this… I successfully acquired something at a young age. And you can too. That thing that I successfully got ahold of was not millions of dollars… because I came from average means. What I intentionally and successfully acquired was millions of dollars in debt. Yes, obtaining millions in debt from a young age… is what led to me quitting my day job while I was young enough to enjoy it. You, the longtime listener, COMPLETELY understand and appreciate what I just said. If you're a newer listener, that sounds unusual or even irresponsible. Well, come along for the ride. Also, a layperson - or a newer listener - would respond with, “No one talks that way, thinks that way, or does that.” - taking out millions in debt and calling THAT aspirational. But using that debt as leverage is how you ethically take funds from the big banks - take Chase Bank's money, take Bank of America's money, take Wells Fargo's money - learn how to use it, be a responsible steward of the funds, provide good housing for people and prosper. That means you get the return on both your down payment - and the entire amount that you borrowed from those banks. That all goes to you. And both your tenants and inflation pay the debt back - not you. Look, I know one person. I personally know a guy - Greg. Greg makes $80K a year from his day job. Good guy, married guy, one kid. And his NW increased by $2M just in the COVID run-up. He has a modest salary but his NW is up $2M just since 2020. First of all, do you think that any of Greg's co-workers experienced that effect? No, he's really going down my path. You soon get unrelatable to co-workers and even some of your peers. Well, what makes it possible for a good family guy - or anybody - to go from a middling salary to obtaining life-changing wealth? It takes leverage. He borrowed for bank loans. That way, he could acquire 5x as much property than if he paid all cash for his rental properties. That way, he had 5x as MANY properties… and properties all appreciate at the same rate regardless of how much equity you have in them. See, if he had paid all cash, he'd only have a $400K capital gain. Not bad, but $2M is life-changing. Thanks to leverage. Everyday people obtain life-changing wealth this way. It's so substantial… that it won't only affect Greg's life. If he continues on this way, it'll take care of his children, grandchildren, and great grandchildren. And you know, maybe this is why, one of the most recurrent guests we've had here in the history of this GRE, Ken McElroy, he says: “The best investment in RE is the one that appreciates the most, not the one that cash flows the most.” That's Ken McElroy. And now you can see why he says that. Leveraged appreciation creates wealth the fastest. Cash flow is important and it CAN boost wealth but that happens more slowly. Principal paydown doesn't create it - it enhances it… and it's the same with tax benefits. Deferring your tax on a 1031 means that you can re-leverage a greater amount. Low interest rates also don't create wealth. In fact, I bought my first ever income property with a 6⅜% mortgage rate and my second income property with a 7⅝% rate - that second one had interest-only payments. But I borrowed the maximum amount that I could without OVERleveraging. Overleverage means losing control of the mortgage and operating expenses. The lesson here is… get the leverage. And… case in point. Here we go… Speaking of appreciation, the LATEST Case-Shiller Home Price Index figure came in. The US currently has… 6.4% YOY home price appreciation. Now, their index is only based on 20 cities but that gives you a pretty good idea. In fact, that is the fastest rate of increase since 2022. Now, if you've let equity build up in your properties to the point that they're half paid off, you had 2x leverage, meaning the 6.4% appreciation just gave you a 12.8% leveraged return on your skin in the game. And, of course, if you leveraged with a 20% down payment a year ago, that 6.4% means that you just got a 32% return. And as we know, these returns I just told you about are from one of just one of FIVE ways that you're expected to be paid simultaneously. But yeah, a 6.4% higher is merely a DOLLAR-DENOMINATED price. That's what that is. Why do I say that carefully? Well, there are a few reasons that home prices are 6.4% higher - inflation from dollar printing could be why, the value - not price - but some properties have a greater VALUE, distinctly separate from inflation. What's the distinction there - how does this happen? What's one difference between an INFLATED price and a greater value? Well, say that a local economy is hot because there are more high-paying jobs there now than there were last year - say an influx of medical jobs or AI jobs or chipmaking jobs. Well, even absent inflation, a property that now has PROXIMITY to better-paying jobs - that's now a property that's more desirable. Someone is more willing to PAY MORE FOR - and simply CAN pay more for. Again - that phenomenon is ABSENT inflation. What's another reason that home prices rise - and rose 6.4% YOY in this case? If better PHYSICAL AMENITIES are in new homes than there used to be - say bigger garages or new communities with pickleball courts, well, people are more willing to pay more for that. To review, there are three reasons that home prices go higher: inflation, appreciation from value creation - like how the same home is now located closer to more high-paying jobs, and thirdly, better built-in amenities. All three of those increase dollar-denominated price or value. They all increase the nominal price. Now, let's pivot into the fact that “Home Prices Aren't Really Up”. I've covered this a little before, but I'm going to go deeper today in giving you the most comprehensive look at home prices today - compared to the past - perhaps than you've ever had in your life. Some might say, “C'mon. How can this be? Homes cost, perhaps 40% more than they did just four years ago.” Well, I've got a mic… drop… moment… coming. - Home Prices Aren't Really Up. We need a good measuring stick to see what home prices are doing. So we've got to stop pricing homes in dollars for a minute. It's a poor long-term value measure. Ludicrous inflation means the dollar has lost over 25% of its value just since 2020, and 97% of its value since 1920. Let's use a commodity and money that has been valued for five millennia - and its physical properties have not changed one bit in allll that time, and its valued across continents and cultures - that's 50 centuries of value! That's gold. We'll get to a more modern measure soon. But first, gold is the best one. Now, I don't know who to credit, but for a while, there was an image floating around out there that GRE got ahold of. It showed that 10 kilos of gold would buy you an average home back in 1920… and also, that 10 kilos of gold would still buy you an average home today… total… mic… drop… moment. Wow! Is there any better evidence that home prices are NOT up - but higher prices reflect that the dollar is down? Actually, yes, there is a little better evidence. We ran the numbers here and learned that - it's even more astounding than that! You run how many dollars per ounce gold is worth, that 35ish ounces are in a kilo and you look at home prices then and now and we discovered that - it's even more of a jaw-dropper… … because in 1920 - which I'll just call a century ago - you could buy an average home for 8 kilos of gold and today, you can buy an average home for just 6 kilos of gold. So if you want to know how much home prices have changed in the last century, they are down 25%. They're 25% cheaper today in terms of gold - clearly a more stable value indicator than horrendously diluted dollars are. And also, GRE made a new image that shows this - 8 kilos for an average home a century ago, 6 today. I sent you that image in our newsletter about ten days ago and that image got shared a LOT of times. Your first reaction to this whole thing could be: "Wow! That's wild. The dollar really is sooo diluted." Alright. What about home prices in terms of a popular, nascent asset that only arrived fifteen years ago, bitcoin? 2016: Average home cost $288K, or 664 bitcoins. 2020: Average home cost $329K, or 45 bitcoins. 2024: Average home cost $435K, or 7 bitcoins. So, eight years ago, a home cost 664 bitcoins and today it costs 7. That means that home prices are down 25% in terms of gold in the last century. But they're down 99% in bitcoin over just the last 8 years. And the dropped mic keeps reverberating through the stadium. Today's homes are cheaper in gold and drastically cheaper in bitcoin. See, it takes real world resources and proof of work to create real estate, gold, and bitcoin. None of these things are required to produce a dollar - none of them. That's why its value is approaching zero. But let's go deeper. You need more answers - you are part of a really intelligent audience. Because you might be thinking: "Wait a second. Some other things have changed too." For real people - everyday people - aren't home prices actually more out of reach than this? That's because since 1920, home prices have risen faster than incomes. That puts them OUT OF REACH for more people. Something else has changed. A home's lot size is smaller today too - the land that comes with the property has a smaller area. Let's understand too - homes also use some cheaper materials today. For example, heavy, milled raw wood doors - the interior doors - of yesteryear have given way to molded particle board today. This is beginning to build the case - evidence - that homes SHOULD be cheaper than they are today. Let's keep going, because there's more to consider. Mortgage rates themselves - just rates in isolation - they don't put homes out of reach at all. The long-term average is 7.7%, per Freddie Mac, on the 30-year FRM. That average goes back to 1971, when they first began tracking them. Oppositely, you can make the case that U.S. homes should cost even more than they do today. In many advanced nations, homes are way more pricey. Even next door in Canada, they cost about 20% more than U.S. homes. Canadian salaries are lower than US salaries too - yet their home prices are markedly higher. On some levels, you're getting more "home" today in the US. A 1920 home would feel savagely uninhabitable to you if you tried to live in one now. Here's what I mean… In 1920: 1% of homes had electricity and full plumbing. Today: 99% of homes have electricity and full plumbing. What I mean then, by savagely uninhabitable, is enjoy walking to the outhouse in the middle of the night when it's 35 degrees. Then there's size: 1920: The average home had 242 sf per person. Today: The average home has 721 sf per person. Because today, family sizes are smaller and homes are way larger too. Today's amenities would be unthinkable in 1920—walk-in closets, roofs with R38 insulation, double-paned thermal windows, smart thermostats, voice-controlled lighting, quartz countertops, and Kitchen Aid appliances. Maybe even a security system. They're all things that homes have today. Gosh, even the fact that you have a garage - a HEATED garage even, finished basement, air conditioner and modern washer-dryer would leave 1920 homeowners dumbstruck with their mouth agape—maybe even flabbergasted. Those old folks from yesteryear wouldn't believe all that you get with a home today. Yet that 1920 home would have cost you more in gold, than today's more sizable homes with all their plush amenities. Now, when it comes to - though home prices aren't up, are they more “out of reach” for the average American?” Over the past five years, they ARE - because home prices have now risen faster than incomes over THAT stretch. But another BIG reason that homes are SUBSTANTIALLY more affordable today than they were in 1920 is… financing terms. Today, you can make a down payment for between 3% and 20% on a home. Do you know what loan terms were like in 1920? You had to make a 50% down payment and then had to pay off your mortgage in 5 years. Can you IMAGINE if that were the case today? How many people could put 50% down on a home today and then pay off the balance within 5 years. Virtually nobody. That's why homes are more within one's grasp today. Overall, you can see that there are a lot of countervailing factors here… tempering that it took 8 kilos of gold to buy a home a century ago, and it just takes 6 kilos today. The bottom line here is that, long-term, real home prices aren't up. Dollars are down because they've been printed like crazy. From today, nominal home prices could keep rising for years. Dustin on social had a funny comment about this - “How many baconators from Wendy's would it take to buy a home today?” Ha! I don't know. I guess that's a hamburger - I don't go to Wendy's. Maybe then, a home costs 60,000 baconators today. Coming up straight ahead - what will happen first - a $750K median-price home, $100K bitcoin, or $5K gold. Also, what's perhaps the biggest trend in real estate investing that not enough people are talking about - and how you can make money from it… and more… all next - I'm KW. You're listening to Get Rich Education. ______________ Welcome back, to Get Rich Education. I'm your host, Keith Weinhold. On our latest GRE Social Media Poll, we ran this question. What will happen first? The median home value hits $750K. Bitcoin hits a $100K price. Or… Gold hits $5K. I'll give you the result, but what do you think? Again, which one of these three things will happen first? The median home value hits $750K. Bitcoin to $100K. Or… Gold hits $5K. The results across both LI and IG were pretty similar - sometimes you get differences there, as LI is a more professional audience. One voter in the poll also commented - it's syndication attorney Mauricio Rauld, who we've had here on the show before. Mauricio said: I think assuming Bitcoin doesn't collapse, it probably makes a run to $100K in the next few years (who knows, could be next few months). But with the median home, at 10% a year, it would take 6 years to hit $750K so that is a decade away. That's his thought - sounds reasonable. The poll RESULT is: Bitcoin will hit $100K first. That was most likely, with 57% of you answering that. That makes sense since its volatile and close to striking distance. The median home value will hit $750K finished 2nd. 26% of you said that. And gold up to a $5K price got just 17% of the vote. That makes sense since gold prices would have to about double from here. You can always join along in the conversation and polls. We are really easy to find - because on virtually every social platform - Facebook, Instagram, LI, YouTube - we ARE: “Get Rich Education”. Over on the Get Rich Education YouTube Channel, I recently covered how the Fed is overseeing a “Tug of War” between inflation and a recession. They don't want the game to end. The Fed is trying to keep the game going. They don't want participants on either side falling into a pit in the middle of the Tug of War game between inflation and a recession. They don't want either side to win. If one side wins, the Fed loses. This “Tug of War” game is really a great way to understand how the Fed works, how they control your money, and what their motivations are. A video about that is on our YouTube channel - where you get the visual of the Tug of War game between inflation and a recession. That's just one example of how that content is often different from what you're hearing now. Get more… on our YouTube Channel… called “Get Rich Education”. The homeownership rate just fell again a little, quarter-over-quarter, increasing the number of renters and rental demand, which I expect will only continue. From CNBC, Realtor.com's Chief Economist Danielle Hale tells us more. Let's listen in. It's about why the housing market is pretty dire for young Americans, then I'll be right back with some key commentary on this. Yeah, there in Economist Danielle Hale's interview - if mortgage rates go higher, inventory pulls back and we tend to see modest HPA. Most agree that if mortgage rates go lower, we'll see RAPID HPA. She also just keeps exposing what we all know. “We need to build more housing”. A brand-new home constructed with a renter in mind, sold to an investor, is known as build-to-rent housing. You'll see it abbreviated BTR. It's usually single-family. Some abbreviate it B2R. These must be the same people that say H2O instead of water. It's become massively popular. Despite an overall housing shortage, last year, a record 27,495 BTR homes were completed. That's up 75% from the prior year and up an astounding 307% since pre-pandemic deliveries back in 2019. So what's driving the build-to-rent trend? Locked into low mortgage rates, existing homeowners won't sell. So, instead, new inventory must be constructed. More overall housing demand than supply. Wannabe first-time homebuyers cannot afford homes today. Renting a BTR is next best. National BTR occupancy is over 96%. BTR operates similarly to apartment buildings under property management, yet offer a single-family living experience. Some of these communities have: leasing offices, pools, and fitness centers. The homes themselves often have: luxurious modern finishes, garages, and fenced backyards. What's in it for investors? How do you make money with BTRs? 5% mortgage rates* (I'll get back to that in a minute) A long-term ownership focus, generating revenue over time rather than immediately Tenants have a house-like feel. Expect 3+ years avg. tenancy duration. Mgmt. fees are low because all houses are the same and all in the same area too BTR purchase prices are HIGHER than resale property. You will pay more. Expect better appreciation than resale property The rent range is often $1,500 to $3,500 You can expect low maintenance. It's new. Builder home warranty So there are a ton of factors that give build-to-rent investor appeal. Really, 5% mortgage rates? Yes. Here at GRE, we can introduce you to some BTR homebuilders that will buy down your rate for you. One is lowering it to 4.75%. I encourage you to get that incentive now, because when mortgage rates fall substantially, I don't expect these national and regional homebuilders to keep giving you the rate buydown. Sorry J-Pow. This kinda makes your next Fed rate decision… seem pretty irrelevant. It's a great rental model to pursue and an amazing time to do it with the rate buydowns. I wish BTR would have existed when I began as an investor. You really didn't start hearing about BTR at all until about ten years ago. Now, I appear as a guest on other business and investing shows. Quite a few times, the host asks me where the REI opp is today. The answer that I've been giving is that it's with build-to-rent properties and these rate buydowns. An income-producing asset is like your employee that's working for you—but without the personality problems. The property is also working for you 24/7. Besides just helping you find the best BTR deals today, we can help set up an entire real estate investment portfolio plan for you. -We can help build an income-producing RE portfolio for you with our free coaching. Truly free. Now, if you're new here, you might think that we're trying to sell you something - and we aren't. The way it works elsewhere is that some people get attracted to the free thing and then once you're on the phone or Zoom or free live, in-person event, they're going to try to sell you their better PAID coaching or some online course for a fee. We don't even sell coaching or sell a course. This is free no-strings, no upsell, no catch coaching. OK, it's sort of the opposite of your auto dealer calling you about your extended warranty - an overpriced item that you don't want. Ha! If you want to buy something from GRE, you can't because we don't even have anything to sell you. We are here to help! Also, I have no problem with companies selling paid courses or paid coaching - not at all. Some courses are worth paying for. It's just not what we do or have EVER done here. But see, buying real estate that you own directly is still not as simple as just finding a keyboard and pressing: Ctrl, alt, Deal. So that's why our Investment Coaches help you learn your goals, and navigate the process. Then you'll want to keep in touch with your coach because the best deals are often changing. For example, you might think that you want to buy income property in, just say, Alabama, because its prices haven't run up as much as they have in Florida. But we keep regular lines of communication open with build-to-rent homebuilders nationwide… and say there's a new community, in, Florida, where the real deals are going to be for the next few months… …and though you still like Alabama, you like how Florida is growing faster so you end up going there. Or there's better cash flow with some BRRRR strategy properties in say, Ohio, that we have that your coach informs you about. So, I encourage you. Get & maintain a line of communication with your GRE Investment Coach. To review what you learned today: Leverage is THE most powerful wealth creator. You can make the case that homes are NOT overpriced today. Home prices aren't up; the dollar is down. No one knows the future. But there is ample room for more home price growth. Build-to-Rent property keeps increasing in popularity… and investors can get mortgage rates on them as low as about 5%. To contact an investment coach, it's free, start at GREmarketplace.com. Until next week, I'm your host, KW. DQYD!
Seth takes a closer look at Donald Trump's net worth unexpectedly soaring after his failed social media company went public.Then, Sheryl Crow talks about the song from her album that her kids said no to, performing with Stevie Nicks at her Rock & Roll Hall of Fame induction and what it was like having Laura Dern as a roommate.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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