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SHOW SCHEDULE 7-29-25 THE SHOW BEGINS IN THE BULL MARKET FRETTING ABOUT UNSEEN INFLATION AND UNKNOWN FALSEHOODS... 1952 CBS EYE ON THE WORLD WITH JOHN BATCHELOR FIRST HOUR 9:00-9:15 #MARKETS: MARKETS CLIMB WORRY. LIZ PEEK, THE HILL, FOX NEWS AND FOX BUSINESS 9:15-9:30 #MARKETS: PROGRESSIVES DOUBLE. LIZ PEEK, THE HILL, FOX NEWS AND FOX BUSINESS 9:30-9:45 DAMASCUS JIHADISTS AND THE DRUZE. HUSSAIN ABDUL-HUSSAIN, FDD 9:45-10:00 SERBIA AND RUSSIA. IVANA STRADNER, FDD SECOND HOUR 10:00-10:15 #STATETHINKING: CANDID STATESEC RUBIO. @MARYKISSEL, FORMER SENIOR ADVISER TO THE SECRETARY OF STATE, EXECUTIVE VP STEPHENS INC. 10:15-10:30 #STATETHINKING: UNCHANGING PUTIN OF THE KGB. @MARYKISSEL, FORMER SENIOR ADVISER TO THE SECRETARY OF STATE, EXECUTIVE VP STEPHENS INC. 10:30-10:45 UNIVERSITY FACULTIES AND LIBERAL EDUCATION. PETER BERKOWITZ, HOOVER 10:45-11:00 UNIVERSITY FACULTIES AND LIBERAL EDUCATION. PETER BERKOWITZ (CONTINUED) THIRD HOUR 11:00-11:15 1/4 "Israel and Civilization: The Fate of the Jewish Nation and the Destiny of the West" (Hardcover – March 18, 2025) by Josh Hammer 11:15-11:30 2/4 "Israel and Civilization: The Fate of the Jewish Nation and the Destiny of the West" (Hardcover – March 18, 2025) by Josh Hammer 11:30-11:45 3/4 "Israel and Civilization: The Fate of the Jewish Nation and the Destiny of the West" (Hardcover – March 18, 2025) by Josh Hammer 11:45-12:00 4/4 "Israel and Civilization: The Fate of the Jewish Nation and the Destiny of the West" (Hardcover – March 18, 2025) by Josh Hammer FOURTH HOUR 12:00-12:15 AUKUS UPDATED FROM PERTH. GREGORY COPLEY, DEFENSE & FOREIGN AFFAIRS 12:15-12:30 TAIWAN SNUB GAME ON. GREGORY COPLEY, DEFENSE & FOREIGN AFFAIRS 12:30-12:45 ANOTHER TRUMP TO PUTIN ULTIMATUM. GREGORY COPLEY, DEFENSE & FOREIGN AFFAIRS 12:45-1:00 KING CHARLES REPORT, STATE VISIT FRETTING. GREGORY COPLEY, DEFENSE & FOREIGN AFFAIRS Main corrections:
It's a Crypto Bonanza today we we discuss the new Clarity Act and how it impacts digital currencies. We also chat about the emotional and financial rollercoaster of buying a home in today's market, as Kirk shares about falling in love with a house—only to walk away after discovering many issues the sellers failed to disclose. We talk about how the cost to buy is now far above the cost to rent in many areasb and how sellers are increasingly unwilling to drop prices—even as supply builds and interest rates stay high. We also dig into how real estate, while deeply emotional, ultimately comes down to math, and why renting may still make more sense... Wee discuss... The cost to buy a home is currently much higher than the cost to rent, especially in higher-priced markets. Emotional attachment often causes sellers to keep unrealistic home prices despite market shifts. Many markets are seeing a growing supply of homes and longer times on market, leading to price pressures. Real estate equity is a major source of wealth but is difficult to access without selling or borrowing. Sellers tend to suppress or avoid disclosing problems to preserve home value, increasing risk for buyers. Inflation-adjusted home prices show 2025 prices are very high, but official inflation numbers may understate true inflation. Buying a home is often an emotional and personal decision rather than a purely financial investment. Renting can be mathematically cheaper, but many still desire homeownership for personal reasons. The Clarity Act aims to define regulatory authority over digital assets between the CFTC and SEC, though it hasn't passed yet. Regulation is viewed positively if it prevents fraud without overly restricting innovation in crypto. The banking sector may resist crypto innovation due to potential threats to their traditional business models. Concerns were expressed about government overreach via CBDCs that could control or monitor personal spending. Despite risks, the government already has many tools to combat financial crime without needing intrusive surveillance. Bitcoin and Ethereum prices have risen recently, prompting some profit-taking but maintaining belief in long-term value. MicroStrategy pivoted to Bitcoin investment after years of flat or breakeven performance, using debt and financial engineering to buy more Bitcoin. The history of MicroStrategy's CEO includes a past SEC investigation and company struggles before embracing Bitcoin. The line between genius and stupidity can sometimes be just dumb luck. MicroStrategy's strategy resembles a Ponzi scheme by relying on new money to pay returns and leveraging debt to buy Bitcoin. If Bitcoin crashes, the company faces margin calls and financial stress due to heavy debt. Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/crypto-bonanza-733
Jul 29, 2025 – With markets at a crossroads and policymakers under unprecedented pressure, few voices cut through the noise like Peter Boockvar's. In this in-depth interview, Peter Boockvar offers candid insights into Federal Reserve policy, the impact...
Is the US about to enter a new era of energy inflation? Can technological progress outpace political regression? Are we witnessing the permanent end of America's climate ambitions?This week on Cleaning Up, Michael Liebreich sits down with Ethan Zindler, former climate counselor to Treasury Secretary Janet Yellen, now head of countries and policy at BloombergNEF, to dissect the dramatic shifts in US energy policy. Fresh from the passage of the "One Big Beautiful Bill," Zindler reveals how recent legislation in the US could set back clean energy development by years, potentially undermining investments in wind, solar and electric vehicles. There are a couple of brighter spots too, with costs in some technologies falling so rapidly that they might escape the drag of the current administration, and other technologies — like advanced geothermal and nuclear — seeing an uptick in support. Zindler brings the latest analysis from BloombergNEF to Cleaning Up to help unpack the One Big Beautiful Bill and what it means for the future of US energy policy.Leadership Circle: Cleaning Up is supported by the Leadership Circle, and its founding members: Actis, Alcazar Energy, Davidson Kempner, EcoPragma Capital, EDP of Portugal, Eurelectric, the Gilardini Foundation, KKR, National Grid, Octopus Energy, Quadrature Climate Foundation, SDCL and Wärtsilä. For more information on the Leadership Circle, please visit https://www.cleaningup.live.Links and more: Could Trump 2.0 Roll Back The IRA? Ep181: Ethan Zindler – https://www.youtube.com/watch?v=Sf5_r3V3Vs8The Future of Clean Tech Under Trump — Ep198: Jigar Shah https://www.youtube.com/watch?v=PCOaF-qQ_TUElon Musk and Michael's 2007 testimony to Senate Committee on Energy & Natural Resources: https://www.energy.senate.gov/hearings/2007/3/hearing-ECF571D9-2A3E-444F-A0F0-1C18EE28FFF3
It's a mega-earnings report day, and a Fed Meeting day, to boot; the notion among some investors that 20% returns are normal is scary. The Fed is expected to hold steady on interest rates, but there is dissention in the ranks of Fed Governors. Inflation erodes your purchasing power—are you prepared? Lance Roberts & Danny Ratliff break down smart strategies to hedge against inflation and protect your wealth. Lance and Danny commiserate on kids home for the Summer and then off to college. You've got to have inflation for economic growth; the best hedge against inflation, historically, is still stocks. The only benchmark for portfolios is the rate of inflation. Investing strategies are only wrong if they don't work. Adjusting retirement for inflation and lifestyle. * NOTE: The Real Investment Show will be 100% digital starting Monday, August 4, 2025. Please be sure you're SUBSCRIBED here to catch each episode! SEG-1: Mega Earnings Reports & Fed Day Preview SEG-2a: Kids Home for Summer & Off to College SEG-2b: Currency Debasement & Inflation SEG-3: Emotional Aspects of Inflation (bias) SEG-4: Adjusting Retirement for Inflation & Lifestyle Hosted by RIA Advisors RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=0rXwvTN34YI&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- The latest installment of our new feature, Before the Bell, "Capturing Rotation in Market Correction" is here: https://www.youtube.com/watch?v=PrBF8fbdFEo&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Two Dads on Money - Grit, Grind, & Glam" https://www.youtube.com/watch?v=QnGdW2MyR20&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=6s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRisk #MarketCorrection #MarketRotation #Healthcare #Technology #BasicMaterials #Industrials #Transports #REIT #InvestorExhaustion #InflationHedge #ProtectYourWealth #SmartInvesting #InflationProtection #FinancialPlanning #InvestingAdvice #Money #Investing
SBS Finance Editor Ricardo Gonçalves speaks with Besa Deda from Willam Buck and Luke Laretive from Seneca Financial Solutions to find out why today's lower inflation reading is likely to tip the Reserve Bank into cutting interest rates in August.
Nightlife News Breakdown with Philip Clark, joined by Amy Remeikis from the Australia Institute and an independent political commentator.
This week - what’s your plan for when inflation strikes and threatens to derail your retirement? What is the risk that rising prices pose for retirement funds and what can you do to cope. Host Ed Monk is joined by Tom Stevenson to a provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.
Listen to the Top News of 30/07/2025 from Australia in Hindi.
The Aussie market surged after quarterly inflation came in softer than expected, pushing interest rate cut odds beyond 100% and leaving the ASX just four points shy of a record high. Property trusts, consumer stocks, and financials rallied, while standout moves included gains for PolyNovo, Pilbara, and DroneShield. On the flip side, IGO tumbled on production issues. Plus, we look ahead to US rate decisions, Jerome Powell’s speech, and earnings from Meta, Microsoft, Amazon, and Apple. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.
Markets were relieved to see a better-than-expected inflation result, with prices growing 2.1% year on year to the end of the June quarter.See omnystudio.com/listener for privacy information.
SBS Finance Editor Ricardo Gonçalves speaks with Besa Deda from Willam Buck and Luke Laretive from Seneca Financial Solutions to find out why today's lower inflation reading is likely to tip the Reserve Bank into cutting interest rates in August.
Preview: Inflation and the Fed. Colleague Liz Peek comments on the Fed task of sorting through the inflation fears from tariff uncertainties. More later. 1952
Today at 11:11 am CST, on the Flyover Conservatives show we are tackling the most important things going on RIGHT NOW from a Conservative Christian perspective! Today at 11:11 am CST, on the Flyover Conservatives show we are tackling the most important things going on RIGHT NOW from a Conservative Christian perspective! TO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.com TO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.com To Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To To Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To ▶ https://flyovergold.com▶ https://flyovergold.comOr Call 720-605-3900 Or Call 720-605-3900 ► Receive your FREE 52 Date Night Ideas Playbook to make date night more exciting, go to www.prosperousmarriage.com► Receive your FREE 52 Date Night Ideas Playbook to make date night more exciting, go to www.prosperousmarriage.comwww.prosperousmarriage.comTO WATCH ALL OF THE PROPHETIC REPORTS - https://flyoverconservatives.com/resources-2/prophetic-words/TO WATCH ALL OF THE PROPHETIC REPORTS - https://flyoverconservatives.com/resources-2/prophetic-words/For Printable Versions of the Declarations - text DECREES to 40509For Printable Versions of the Declarations - text DECREES to 40509(Message and data rates may apply. Terms/privacy: 40509-info.com)(Message and data rates may apply. Terms/privacy: 40509-info.com40509-info.com)Wanda AlgerWanda AlgerWEBSITE: www.wandaalger.me WEBSITE: Send us a message... we can't reply, but we read them all!Support the show► ReAwaken America- text the word FLYOVER to 918-851-0102 (Message and data rates may apply. Terms/privacy: 40509-info.com) ► Kirk Elliott PHD - http://FlyoverGold.com ► My Pillow - https://MyPillow.com/Flyover ► ALL LINKS: https://sociatap.com/FlyoverConservatives
Join Moe and Javaid as they take a look at the markets after key earnings and economic reports. Will markets continue to move higher or is it time for the summer sizzle to fizzle? Will the Fed cut rates this week? How are earnings reports looking? Listen now to get the latest!
What is the Fed, and why does Jerome Powell seem to have Wall Street on speed dial? This week, the “Henssler Money Talks” hosts unpack the power and purpose of the Federal Reserve—who runs it, who appoints them, and how their decisions ripple through everything from Treasury bonds to your credit card APR. We break down the rates the Fed actually controls and why those moves matter. Plus, if the Fed is supposed to be independent, why does it feel like politics—especially Trump's calls for lower rates—are always lurking in the background?Original Air Date: July 26, 2025Read the Article: https://www.henssler.com/short-term-demands-vs-long-term-goals-the-feds-balancing-act
Echt jetzt? - So funktioniert dein innerer Faktenchecker (11:15) // Mehr spannende Themen wissenschaftlich eingeordnet findet Ihr hier: www.quarks.de // Habt Ihr Feedback, Anregungen oder Fragen, die wir wissenschaftlich einordnen sollen? Dann meldet Euch über Whatsapp oder Signal unter 0162 344 86 48 oder per Mail: quarksdaily@wdr.de. Von Strüwing.
What if your inheritance could grow tax-free for a decade? In this episode, Art McPherson breaks down the power of Roth IRAs, the impact of inflation on retirement, and how to avoid costly mistakes when receiving a windfall. From market volatility to mid-season tax planning, Art shares practical strategies to help you protect your future and make smarter financial decisions—whether you're retiring early or just getting started. Plus, a few laughs about sticker shock, bubble tape, and the true cost of a kiss. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
The market has tread water again today only inching slightly higher toward the end of the session, likely fuelled by the fact that we are in for a huge amount of potentially market moving events to end the week. Among those events are trade deals and deadlines as negotiations continue, and more company news. The majority of sectors saw modest gains with the energy sector the best performer despite the sector including one of the worst performers of the day, and they look to the days ahead with more US earnings expected. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.
Le quartier de Laleli, à Istanbul, centre névralgique du commerce à la valise vers l'Afrique, traverse une crise. Inflation, contrôles policiers et concurrence étrangère freinent les échanges. De notre correspondante à Istanbul, Dans les rues pentues de Laleli, à Istanbul, les allées et venues des transporteurs rythment la vie du quartier. Sur leurs diables métalliques, ils déplacent des colis d'un magasin à une entreprise de logistique, appelées « kargo », spécialisées dans l'envoi de marchandises vers l'étranger, notamment vers l'Afrique. Parmi les figures de ce commerce, Serigne Seck. Ce Sénégalais installé en Turquie depuis une quinzaine d'années dirige un « kargo » qui expédie vers le continent africain des textiles, des meubles ou encore des matériaux de construction, en grande majorité fabriqués localement. Il explique les atouts de ce marché turc : « La majeure partie des personnes qui viennent faire des achats sont satisfaites. Par rapport à la qualité, c'est vraiment une bonne qualité. Les sociétés avec qui on travaille, les fournisseurs qui nous fournissent les bagages, etc. Il y a une confiance entre nous et eux qui nous permet d'assurer les clients qui sont de l'autre côté. » Ce système a notamment prospéré après le Covid, quand la Chine s'est partiellement retirée du marché. Mais l'activité de Serigne ralentit nettement. Une chute des volumes, des coûts qui explosent Un étage plus bas, Mehmet Eren observe la même tendance. Ce responsable d'un autre « kargo » voit chaque année son volume d'envois divisé par deux. Il décrit l'ampleur du recul : « En 2023, j'envoyais 10 tonnes par semaine. Un an plus tard, c'est passé à six tonnes. Encore un an plus tard, c'était 3,5 tonnes. Cette année, c'est presque deux tonnes. Pendant que nos revenus diminuent de moitié, nos coûts doublent. C'est à cause de l'inflation, des taux d'intérêt, de la bureaucratie, de la Chine, des guerres. Ce n'est pas un seul problème. » Les difficultés s'étendent à tout le quartier. Les commerçants peinent à rester compétitifs. Giyasettin Eyyüpkoca, président de Lasiad – une association d'entrepreneurs de Laleli dans le textile – explique les causes multiples : « À cause de toutes ces raisons, l'inflation, le salaire minimum, les coûts de l'énergie à l'intérieur du pays, vous vous retrouvez inévitablement un cran ou deux au-dessus, en termes de prix, par rapport aux pays que vous considérez comme concurrents. Dans ces conditions, alors que les habitudes de consommation des gens ont déjà changé, qu'ils sont déjà touchés par la crise économique, si en plus vos prix leur paraissent élevés, vous reculez inévitablement encore plus. » Enfin, un autre facteur vient fragiliser les liens commerciaux avec l'Afrique. Hors micro, une Tchadienne responsable d'un « kargo » confie subir une intensification des contrôles policiers et des arrestations. La Turquie a durci sa politique migratoire, une évolution qui, selon elle, contribue aussi au recul des échanges. À lire aussiVolkan Isiksi (Turquie): «On veut subvenir aux besoins de nos amis africains qui nous font la demande»
It's been hard to follow the many impositions, cancellations, negotiations and pauses in tariff policy. Purdue ag economist, Larry DeBoer, explains what tariffs are and how they might affect businesses and the consumer.Capital Comments reflects and contains agricultural economics Professor Emeritus Larry DeBoer's analysis and views.
Today - Clark discusses how retailers and consumers are handling inflation. To deal with higher prices, we're changing how & where we shop. It works! Also, it's more important than ever to be on guard because scam attempts are nearly constant. Clark alerts you to some of the latest scams so you don't get ripped off. Offset Inflation: Segment 1 Ask Clark: Segment 2 Most Common Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 10 Ways You're Wasting Money on Groceries Axios: Store brands become retail's secret weapon against tariffs Dollar General is shaking off tariff fears and winning over higher-income consumers Barrons: The Rich Are Shopping in Dollar Stores. What It Means for the Economy. Best 529 College Savings Plans By State 529 to Roth IRA: Rollover Rules, Conversion Guide, and FAQs BBB-File a Complaint How to Freeze Your Child's Credit Overwhelmed by Scammers? 96% of Americans Are Targeted Every Week Scammers posing as SPCA and animal welfare staff AI Obituary Pirates Are Exploiting Our Grief. I Tracked One Down to Find Out Why Student loan scammers won't offer relief This hurricane season, prepare to avoid the scams Are you really out of Cloud storage or is that message a scam? Think Twice Before You Click ‘Unsubscribe' The Safer Way To Use Your Debit Card 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
Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies. He highlights the Florida housing market, noting a 26% increase in listings post-pandemic. Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing. His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education. Speaker 1 0:27 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Speaker 2 1:12 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:28 Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then Speaker 3 2:49 you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful. Keith Weinhold 3:08 Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest. Keith Weinhold 6:05 I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type. Jim Sheils 7:02 Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense. Keith Weinhold 9:06 did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt. Jim Sheils 9:22 What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing. Keith Weinhold 11:05 This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that. Jim Sheils 11:50 Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home. Keith Weinhold 13:41 Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later. Jim Sheils 13:52 It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue. Keith Weinhold 14:29 We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now, Jim Sheils 14:54 again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes. Keith Weinhold 16:32 Talk to us about how the rental segment's doing, statewide Jim Sheils 16:36 rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market. Keith Weinhold 17:17 We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold. Keith Weinhold 17:46 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com. Keith Weinhold 18:18 You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866, Kristen Tate 19:29 this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Keith Weinhold 19:46 welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration. Jim Sheils 21:26 It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market. Keith Weinhold 22:48 Of course, you're very strategic about where you build geographically. Talk to us about where those places are Jim Sheils 22:54 right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention. Keith Weinhold 24:58 A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property. Jim Sheils 25:23 Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at Keith Weinhold 26:07 talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger Jim Sheils 26:15 the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville, Keith Weinhold 26:50 expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors Jim Sheils 27:27 it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot. Keith Weinhold 29:32 This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right? Jim Sheils 30:29 That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag. Keith Weinhold 31:41 Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration Jim Sheils 32:21 yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise. Keith Weinhold 33:24 This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors? Jim Sheils 34:16 I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there. Keith Weinhold 34:53 In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show. Jim Sheils 35:38 Thanks for having me. Keith. Keith Weinhold 35:46 Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 4 39:09 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 39:32 You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866 Keith Weinhold 40:48 The preceding program was brought to you by your home for wealth, building, getricheducation.com
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Roundup of the Week's Top Stories in Economics and FreedomInflation Finally RisesRenters hit Record HighTrump's America First Trade DealsNew York to Empty the PrisonsJobs After AIRead the full article “Jobs After AI” at https://www.profstonge.com/Visit our Sponsor: Monetary MetalsEarn 5% to 12% interest on your physical gold and silver, paid in physical gold and silver.Visit our Sponsor: CoinKiteProtect your Bitcoin with an Ultra-Secure Hardware WalletDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show
“This is a very difficult, fragile situation,” says Peter Boockvar, editor of The Boock Report and CIO of OnePoint BFG, reacting to the tense exchange between Donald Trump and Fed Chair Jerome Powell last week. “Beating down the Federal Reserve Governor is not going to get you what you want.”In today's interview with Daniela Cambone, Boockvar warns of rising global yields and why investors should “watch JGB yields every morning,” pointing to Japan as a key driver of long-term U.S. interest rates. “There is an aversion to taking on too much duration in sovereign bond land... and that is a big deal.” On gold, Boockvar explains why he expects another year of massive gold buying: “They are further diversifying their reserve holdings and want to own less dollars… Gold is now number two in that reserve pie.”✅ FREE RESOURCESDownload the Ultimate Decision-Making Guide on Gold & Silver plus Daniela Cambone's Top 10 Lessons to safeguard your wealth (FREE)
Peter Tchir and John Lekas both share concern on the direction of the job market, but they differ on what it means for interest rates. Peter estimates up to three rate cuts before the end of 2025 starting in September. He sees tariffs and inflationary impacts forcing the Fed's hand. John doesn't see as deep of a rate cutting cycle and calls tariffs a "non-event." He believes the bigger story lies in dollar devaluation.======== 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
In this episode we discuss the upcoming transfer of wealth and how Stifel is supporting the NextGen investor, further informed by our 2025 intern survey. To read this week's Sight|Lines, click here. The views expressed in this podcast may not necessarily reflect the views of Stifel Financial Corp. or its affiliates (collectively, Stifel). This communication is provided for information purposes only. Past performance does not guarantee future results. Investing involves risk, including the possible loss of principal. Asset allocation and diversification do not ensure a profit or protect against loss. © Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com See omnystudio.com/listener for privacy information.
Det bliver med at holde tungen lige i munden i en uge, der byder på nyt om inflation, arbejdsmarked og forbrugertillid i USA samt flere regnskaber bl.a. fra nogle af verdens helt store tech-giganter. Millionærklubben varmer op til begivenhederne og klæder dig på ift. de vigtigste pointer sammen med CEO Peter Garnry fra Gesda Capital og teknisk analytiker Lars Persson fra Aktierådet. Hør også, hvordan panelet ser på weekendens handelsaftale mellem USA og Europa. Vært: Bodil Johanne GantzelSee omnystudio.com/listener for privacy information.
On this week's Curmudgeon's Corner, another personal story heavy episode as Ivan and Sam start with more of Sam's adventures with cars and health. Then they settle in and hit the newsy stuff for the last half of the show. Hunter Biden. Inflation. All the Trump stuff you could possibly want. Depending on your proclivities of course. You can never guess just how much Trumpy stuff people will want. Show Details: Recorded 2025-07-26 Length this week 1:50:11 0:01:11 - Personal Stuff Movie Assignments Sam Car Incident Sam Sick 0:54:50 - Newsy Stuff Hunter Biden Trump at the Fed Inflation Trends Trump Approval Trump and Epstein The Curmudgeon's Corner theme music is generously provided by Ray Lynch. Our intro is The Oh of Pleasure (Amazon MP3 link) Our outro is Celestial Soda Pop (Amazon MP3 link) Both are from the album Deep Breakfast (iTunes link) Please buy his music and support his GoFundMe.
A tariffs deadline, Fed meeting, and July jobs report collide with big tech earnings from Microsoft, Meta, Apple, and Amazon. Inflation data and crypto headlines add even more fuel.Just a quick reminder, Capital Markets Quickie is brought to you by AMF Capital AG, Asset Management Frankfurt, your leading provider for individual investment solutions and mutual funds. Visit https://www.amf-capital.de for more information.>>> Make sure to check out my newsletter "Cela's Weekly Insights":https://endritcela.com/newsletter/>>> You can subscribe here to our YouTube Channel “MVP – Main Value Partners”:https://www.youtube.com/@MainValue>>> Visit my website for more information:http://www.endritcela.com>>> Follow me on LinkedIn:https://www.linkedin.com/in/endrit-cela/>>> Follow me on Instagram:https://www.instagram.com/endritcela_official/Disclaimer for "Capital Markets Quickie" Podcast:The views and opinions expressed on this podcast are based on information available at the time of recording and reflect the personal perspectives of the host. They do not represent the viewpoints of any other projects, cooperations, or affiliations the host may be involved in. "Capital Markets Quickie" does not offer financial advice. Before making any financial decisions, please conduct your own due diligence and consult with a financial advisor.
Dan is back giving the sermons, he talks about the Formula 1, Vegas, Messi, and some Vikings!
In dieser Folge sprechen wir mit Dr. Alex von Frankenberg über Bitcoin und Inflation – und wir starten mit einem überraschend einfachen Beispiel: Was haben Eiskugeln eigentlich mit Inflation zu tun? Danach schauen wir uns an, wie Inflation entsteht, welche Rolle die Geldmenge spielt und warum sich letztlich niemand davor schützen kann. Natürlich sprechen wir auch über Möglichkeiten, sich gegen Inflation abzusichern – und diskutieren, ob Bitcoin wirklich als Inflationsschutz taugt.
Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe push for mandatory EVs is now over, people are starting to realize that after 1 year the cars lose around 40% of their value. Inflation is declining again, this time in rentals. The Fed is an outdated money system, Trump is shutting it down. The [DS] believes they trapped Trump using the Epstein files, they want everyone to believe he is on the list. Trump turned the tables on them and is now producing the real list with the help of Ghilliane Maxwell and the grand jury information. The D's will try to block it. Trump has now trapped the [DS] with a plan in a plan. The [DS] are trying to block his nominees this will backfire. Economy https://twitter.com/disclosetv/status/1948802234281824343 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Trump official says administration will change visa, citizenship tests Trump administration will make changes to the visa system for skilled workers and look to make the test for U.S. citizenship more difficult. “The test as it's laid out right now, it's not very difficult,” said Joseph Edlow, who assumed the role in mid-July. “It's very easy to kind of memorize the answers. I don't think we're really comporting with the spirit of the law.” The first Trump administration instituted a version of the test with an expanded pool of questions that was later rolled back under former President Biden. Edlow told the Times that the government planned to return to a version of the test from the first term. Edlow also told the Times that the administration would seek to modify the H1-B visa program for skilled workers by prioritizing people who will earn higher wages. Source: hill.com https://twitter.com/KobeissiLetter/status/1948834639696855279 of Core CPI. This sharp drop could point to further disinflation in shelter prices and the overall CPI index. Keep watching shelter inflation. The Fed's FAFO Moment Is Here Once upon a time, the Federal Reserve operated like a priesthood—cloaked in mystery, speaking in riddles, and quietly pulling the levers of the most powerful monetary system on Earth. Nobody cared. Nobody needed to care. the Fed used to operate in the shadows. Now it's a clown show on center stage. But that era is over. to understand Bitcoin? You have to understand fiat money. And to understand fiat, you're eventually dragged—kicking and screaming—into the insane world of central banking, open market operations, CPI manipulation, and why the “2% inflation target” is just a polite way of saying “we're slowly robbing you.” And so, now in 2025, regular people get it. They understand the Fed's tools are blunt, its logic circular, and its credibility paper-thin. They've watched as inflation ravaged their savings while Jerome Powell told them it was “transitory.” They watched old crow Janet Yellen's medicine show run up the debt in a way so routinely incompetent that it's tough to keep track of what years she was Treasury Secretary and what years she was Fed Chair. People watched interest rates jerked around like marionette strings and bond markets twisted into grotesque shapes by $9 trillion on the Fed's balance sheet. In the past, the Fed didn't need to be credible—it just needed to be ...
Join Jim and Greg as they stock the Friday 3 Martini Lunch with four stories. They discuss Democrats trying to blame President Trump for record-high grocery prices, young men supporting Republicans far more than just a few years ago, the U.S. withdrawing from Middle East ceasefire talks, and the loss of three hugely prominent celebrities […]
Seattle is now the most inflation-impacted metro area in the U.S., with prices rising faster than anywhere else. In this video, we break down what's driving the surge in living costs—groceries, energy, housing—and how it's impacting everyday life.
What is the Fed, and why does Jerome Powell seem to have Wall Street on speed dial? This week, we unpack the power and purpose of the Federal Reserve—who runs it, who appoints them, and how their decisions ripple through everything from Treasury bonds to your credit card APR. We break down the rates the Fed actually controls (spoiler: it's not all of them) and why those moves matter. Plus, if the Fed is supposed to be independent, why does it feel like politics—especially Trump's calls for lower rates—are always lurking in the background?Next, we ask, “Is the upper middle class having an identity crisis?” We dig into the surprising squeeze on America's “comfortably wealthy.” From overcrowded Amex lounges to bidding wars for average homes, we explore how rising wealth—especially among the top 10%—is making luxury feel less exclusive. We explore what it means for expectations around lifestyle and status, and how the wealth ladder is getting more crowded at the top.In Part 1 of our series on the evolution of payments, we dive into the rise of credit cards and how they reshaped the way we spend. We explore the move toward a cashless society—fueled by digital wallets and tap-to-pay tech—but also spotlight the pushback: small businesses are passing credit card fees onto customers, and even some places going cash-only. So where are we really headed? Is cash dying, or just evolving?Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.Henssler Money Talks — July 26, 2025 | Season 39, Episode 30Timestamps and Chapters8:27: Third of the Way Through Earnings Season19:58: The Fed's Big Influence 32:03: Too Many Millionaires, Not Enough Pool Chairs54:13: From Cash to Tap: How Credit Cards Changed EverythingFollow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial.
– Won’t rich Superannuants simply remove their assets and delay CGT anyway? – Debt to GDP misses the assets of a government – How do we encourage people to move to the bush? – Who’d be a farmer? – You’re wrong on inflation and money printingSee omnystudio.com/listener for privacy information.
This week we look at: Understanding 2026 ACA Adjustments Substantiating Noncash Charitable Contributions Filing Proper Refund Claims 2026 Employer Shared Responsibility Payments (ESRP) Changes to IRS LB&I Tax Examinations
Join Jim and Greg as they stock the Friday 3 Martini Lunch with four stories. They discuss Democrats trying to blame President Trump for record-high grocery prices, young men supporting Republicans far more than just a few years ago, the U.S. withdrawing from Middle East ceasefire talks, and the loss of three hugely prominent celebrities this week who were household names for kids of the 1980's.First, they get a good laugh as the Democrats post a graph of grocery prices since 2019 showing how prices are at a record high. The Democrats captioned the graph "Trump's America." The backlash was immediate as the graph clearly showed the vast majority of the inflation took place in the Biden years - as we all know.Next, they welcome new numbers from the Pew Research Center showing male voters aged 18-29 now favor Republicans by a 52-34 percent margin. Men of every age group prefer Republicans by double digits and women over 50 are split pretty evenly. Women under 50 strongly side with the Democrats, and Jim offers a cultural explanation for the gender gap.Then, they roll their eyes as French President Emanuel Macron announces France will recognize a Palestinian state when the United Nations General Assembly opens in late September. Meanwhile, ceasefire talks have ended after the latest Hamas counteroffer was so ridiculous that the mediators would not even pass it along to the U.S. negotiators.Finally, they reflect on the deaths of '80s legends Hulk Hogan, Malcolm-Jamal Warner, and Ozzy Osbourne. They explain what a cultural phenomenon Hogan was back then. They also remember Warner's very memorable years on The Cosby Show, and how Osbourne's reputation shifted from heavy metal music to a quirky dad once his family got a reality show.Please visit our great sponsors:Upgrade your skincare routine with Caldera Lab and see the difference. Visit https://CalderaLab.com/3ML and use code 3ML at checkout for 20% off your first order.
// GUEST //Modern Chains: https://www.modernchains.com/X: https://x.com/NealFlesher // SPONSORS //iCoin: https://icointechnology.com/breedloveCowbolt: https://cowbolt.com/Heart and Soil Supplements (use discount code BREEDLOVE): https://heartandsoil.co/Blockware Solutions: https://mining.blockwaresolutions.com/breedloveIn Wolf's Clothing: https://wolfnyc.com/Onramp: https://onrampbitcoin.com/?grsf=breedloveMindlab Pro: https://www.mindlabpro.com/breedloveCoinbits: https://coinbits.app/breedloveThe Farm at Okefenokee: https://okefarm.com/Orange Pill App: https://www.orangepillapp.com/ // PRODUCTS I ENDORSE //Protect your mobile phone from SIM swap attacks: https://www.efani.com/breedloveLineage Provisions (use discount code BREEDLOVE): https://lineageprovisions.com/?ref=breedlove_22Colorado Craft Beef (use discount code BREEDLOVE): https://coloradocraftbeef.com/Salt of the Earth Electrolytes: http://drinksote.com/breedloveJawzrsize (code RobertBreedlove for 20% off): https://jawzrsize.com // SUBSCRIBE TO THE CLIPS CHANNEL //https://www.youtube.com/@robertbreedloveclips2996/videos // TIMESTAMPS //0:00 - WiM Episode Trailer1:13 - Modern Chains: Slavery Did Not Die, it Evolved3:34 - Neal's Early Life and Military Background8:22 - Philosophical Awakening on Money13:46 - The Essence of Money19:01 - iCoin Bitcoin Wallet20:30 - Cowbolt: Settle in Bitcoin21:45 - Hylomorphic and The Metaphysics of Reality31:18 - Slavery Did Not Die, It Evolved39:44 - Heart and Soil Supplements40:45 - Mine Bitcoin with Blockware Solutions42:10 - Everyone Wants a Free Lunch49:19 - Rationally and Free Will58:40 - Helping Lightning Startups with In Wolf's Clothing59:32 - Onramp Bitcoin Custody1:00:55 - Can Anything be Money?1:13:46 - Fed is Managed Illusions1:17:54 - Mind Lab Pro Supplements1:19:05 - Buy Bitcoin with Coinbits1:20:15 - The Central Bank is Playing God1:30:55 - Fiat Money is an Engine of Enslavement1:36:38 - The Farm at Okefenokee1:37:48 - Orange Pill App1:38:13 - You are Being Exploited 1:47:20 - Money and the Meaning Crisis1:52:21 - Fiat Money is a Living Lie2:03:15 - Steel-Maning Central Banking is Slavery2:21:13 - What is Evil?2:36:37 - Reject the Comforting Lies of Fiat2:47:03 - Bitcoin is the Solution to the Meta Problem of Corrupt Money2:57:32 - Take Back Your Dignity with Bitcoin3:05:29 - Closing Thoughts // PODCAST //Podcast Website: https://whatismoneypodcast.com/Apple Podcast: https://podcasts.apple.com/us/podcast/the-what-is-money-show/id1541404400Spotify: https://open.spotify.com/show/25LPvm8EewBGyfQQ1abIsERSS Feed: https://feeds.simplecast.com/MLdpYXYI // SUPPORT THIS CHANNEL //Bitcoin: 3D1gfxKZKMtfWaD1bkwiR6JsDzu6e9bZQ7Sats via Strike: https://strike.me/breedlove22Dollars via Paypal: https://www.paypal.com/paypalme/RBreedloveDollars via Venmo: https://account.venmo.com/u/Robert-Breedlove-2 // SOCIAL //Breedlove X: https://x.com/Breedlove22WiM? X: https://x.com/WhatisMoneyShowLinkedin: https://www.linkedin.com/in/breedlove22/Instagram: https://www.instagram.com/breedlove_22/TikTok: https://www.tiktok.com/@breedlove22Substack: https://breedlove22.substack.com/All My Current Work: https://linktr.ee/robertbreedlove
This Flashback Friday is from episode 368 published last March 14, 2014. Join Jason Hartman as he discusses opening the books on government spending and things, like geography, age, pedigree, etc. that are less meaningful than ever before in history. All of these items have broad implications economically, socially and for real estate investors. Did you know that there are over 3,000 the look bureaucrats in Illinois who earn more than every single governor in the United States? Some of these government officials are on the take with over 25 buckets of income funded by taxpayers. As Jason talks with the founder of www.OpenThe Books.com you will learn about the largest exposé ever on government spending with over one billion line items of government tracked and accounted for in detail. Adam Andrzejewski helps us find every dime of government spending as we need a nationwide rallying cry for transparency in government. Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com
Join Nate Thurston and Charles Chuck Thompson in another fantastic episode of Good Morning Liberty. This week, they dive into the 'Dumb Bleep of the Week' segment, presenting some of the dumbest happenings, as submitted by the live group, and letting the Fed Haters Club vote on the winner. Topics include WNBA players demanding higher pay, the controversy surrounding Stephen Colbert's show cancellation, the US postal service's expensive all-electric fleet, the razor-thin credibility of a noose found at the Titans stadium construction site, and the ongoing saga of the Washington Redskins name change. Additional discussions highlight Trump's battles with Jerome Powell and the Federal Reserve's budget issues, Mike Johnson's comments on Thomas Massey, and a potential 'tariff rebate' for Americans. Tune in for lively debates, sharp commentary, and plenty of laughs. (00:00) Introduction and Weekend Plans (01:44) WNBA Pay Dispute (11:00) Stephen Colbert Show Cancellation (30:36) Hilarious Democrat Inflation Post Fail (44:14) Redskins Name Debate (47:21) Trump vs. Jerome Powell (55:57) Epstein Files and Political Maneuvering (01:04:20) Distractions and Media Manipulation (01:19:20) Tariff Rebate Proposal Links: https://gml.bio.link/ YOUTUBE: https://bit.ly/3UwsRiv Check out Martens Minute! https://martensminute.podbean.com/ Follow Josh Martens on X: https://twitter.com/joshmartens13 CB Distillery 25% off with promo code GML cbdistillery.com Join the Fed Haters Club! joingml.com secure.thomasmassie.com/donate
Today at 11:11 am CST, on the Flyover Conservatives show we are tackling the most important things going on RIGHT NOW from a Conservative Christian perspective! Today at 11:11 am CST, on the Flyover Conservatives show we are tackling the most important things going on RIGHT NOW from a Conservative Christian perspective! TO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.com TO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.com Clay ClarkClay ClarkWEBSITE: www.thrivetimeshow.comWEBSITE: www.thrivetimeshow.comText FLYOVER to 918-851-0102 to learn moreText FLYOVER to 918-851-0102 to learn moreTo Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To To Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To ▶ https://flyovergold.com ▶ https://flyovergold.com Or Call 720-605-3900 Or Call 720-605-3900 --------------------------------------------------------------------------------------
Send us a textIn this episode of The Smarter Vet Podcast, cohost Tom Seeko sits down with Dr. Link Welborn—veterinarian, entrepreneur, and founder of Veterinary Management Groups (VMG)—to explore the evolving landscape of veterinary practice ownership. They dive into the core traits of successful owners, the ongoing pressures of inflation and client affordability, and the growing role of AI in streamlining operations like medical record-keeping. To learn more about VMG, visit here. Connect with Dr. Welborn on LinkedIn or via email.Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time: https://flveterinaryadvisors.com/contact-usCheck out our social media channels: Facebook – https://facebook.com/flvetadvisors LinkedIn – https://linkedin.com/company/flvetadvisors YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
In this episode of Yet Another Value Podcast, host Andrew Walker welcomes back David Bastian of Kingdom Capital to analyze United Natural Foods Inc. (UNFI), a grocery distributor at the center of a complex turnaround story. They examine UNFI's legacy issues, including its troubled SuperValu merger, the fallout from over-earning during COVID, and a recent cyberattack. David discusses management's new strategic direction, margin normalization efforts, and the implications of UNFI's critical relationship with Whole Foods and Amazon. They also explore valuation frameworks, industry dynamics, and UNFI's potential path to sustainable earnings growth under improved leadership.______________________________________________________________________[00:00:00] Podcast and guest introduction[00:02:34] What is UNFI[00:03:45] History and UNFI challenges[00:09:24] Cyberattack and recovery[00:10:47] Impact on Whole Foods[00:14:30] Long-term EBITDA targets[00:18:37] Sell-side doubts[00:21:08] Peer margin comparisons[00:24:19] Amazon relationship[00:30:17] Margin paradox[00:34:02] Business asset value[00:40:21] Return on replacement cost[00:43:37] Inflation effects[00:45:18] Industry consolidation[00:48:58] Board ownership concerns[00:54:58] Final thoughts on UNFI[00:58:47] Simplified supplier agreements[00:59:17] Podcast close and disclaimerLinks:Yet Another Value Blog: https://www.yetanothervalueblog.com See our legal disclaimer here: https://www.yetanothervalueblog.com/p/legal-and-disclaimer
You're leaving brainpower on the table, and this episode shows you how to reclaim it. Learn how to boost cognitive performance by 25% without relying on pills, stimulants, or gimmicks. Host Dave Asprey sits down with global finance expert and cross-cultural thinker Richard Conrad to explore how your cultural programming shapes your biology, metabolism, neuroplasticity, and even your ability to reach peak human performance. Watch this episode on YouTube for the full video experience: https://www.youtube.com/@DaveAspreyBPR Richard is the author of Culture Hacks and has spent over 30 years living and working across Japan, China, and the U.S. He's a master of decoding hidden mental frameworks that influence perception, longevity, and decision-making. This is a must-listen if you care about brain optimization, functional medicine, and living smarter, not harder. Together, they break down why different cultures process truth, time, and identity so differently and how these filters influence your beliefs about supplements, fasting, cold therapy, sleep optimization, and more. You'll also learn why Americans are biologically wired for linear logic, how agrarian versus warrior cultures shaped meditation and nervous system regulation, and how to train your mitochondria to perform like a samurai's. You'll Learn: • Why your culture shapes how your brain processes reality • How to shift from linear to systems thinking for better neuroplasticity • The connection between meditation styles, nervous system wiring, and mitochondria • How to apply ancient frameworks to modern biohacking and human performance • Why longevity without financial planning is a broken strategy • How to avoid cognitive bias by decoding relative versus absolute truth This channel is packed with biohacking wisdom, from nootropics and ketosis to Danger Coffee, financial resilience, and how your beliefs about aging could be accelerating it. Whether you're focused on hacking your brain, upgrading your metabolism, or extending your longevity, this is one of the most unique mind-expanding channels around. It is essential listening for anyone passionate about biohacking longevity, functional aging, mitochondrial testing, and next-gen human optimization. Dave Asprey is a four-time New York Times bestselling author, founder of Bulletproof Coffee, and the father of biohacking. With over 1,000 interviews and 1 million monthly listeners, The Human Upgrade is the top podcast for people who want to take control of their biology, extend their longevity, and optimize every system in the body and mind. Each episode features cutting-edge insights in health, performance, neuroscience, supplements, nutrition, hacking, emotional intelligence, and conscious living. Episodes are released every Tuesday and Thursday, where Dave asks the questions no one else dares, and brings you real tools to become more resilient, aware, and high performing. Thank you to our sponsors! Quantum Upgrade | Go to https://quantumupgrade.io/Dave for a free trial. OneSkin | Get 15% off your first purchase at https://oneskin.co/ASPREY with code ASPREY. Generation Lab | Go to https://generationlab.com/, use code DAVE20 for $20 off, and see what your body's really doing behind the surface. Resources: • Order Richard's Book “Culture Hacks”: https://a.co/d/9122Q25 • Dave Asprey's Website: https://daveasprey.com • Danger Coffee: https://dangercoffee.com/DAVE15 • Dave Asprey's BEYOND Conference: https://beyondconference.com • Dave Asprey's New Book – Heavily Meditated: https://daveasprey.com/heavily-meditated • Upgrade Collective: https://www.ourupgradecollective.com • Upgrade Labs: https://upgradelabs.com • 40 Years of Zen: https://40yearsofzen.com Timestamps: • 00:00 Trailer • 01:10 Intro • 03:15 Middle East Perception Gap • 06:53 China's Strategy & Trade • 09:53 Japan vs China Mindsets • 14:28 Logic: East vs West • 18:23 Cultural Tools for Life • 24:23 Global Population Crash • 30:18 Shifting Economic Power • 55:33 Smart Finance Principles • 01:09:28 Real Estate & Policy See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Americans are often told that they benefit from the privilege of the dollar serving as the world's currency. A strong dollar makes imports cheaper, facilitates demand for American companies, and is tied to cheap government borrowing. But what happens when this powerful privilege weakens? What does it even mean for the dollar to be “strong” or “weak” as a medium of exchange and investment? Why should Americans care that the dollar serves as the reserve currency for the world's central banks?In his new book “Our Dollar, Your Problem,” Ken Rogoff, a Harvard professor and former chief economist for the International Monetary Fund, argues that the dollar is past “middle age” and that its global dominance will erode in the coming years. He predicts the dollar will eventually share power with the European Union's euro and Chinese renminbi in a “tripolar” world.Rogoff joins Bethany and Luigi to discuss why the dollar's shifting dominance matters so much to the United States and what implications this has for the rest of the world's payment network. He describes how the dollar has come under pressure from multiple directions, both now and in the past. Outside the U.S., these include past and current international challengers, such as the Soviet ruble, the Japanese yen, and the European euro. From within, the current instigators are rising federal debt, increased use of economic sanctions, and growing political dysfunction. The three also discuss if President Donald Trump's boisterous support for cryptocurrency further undermines the U.S. dollar. Ultimately, they tease out how the dollar has underpinned American economic prowess for the last half century and what the consequences will be for the American economy – and the world at large – if the dollar is dethroned.Read a review of Rogoff's book by Capitalisn't team member Matt Lucky in ProMarket: https://www.promarket.org/2025/07/24/what-happens-after-the-dollars-hegemony-ends/
Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Trump is now countering China, he is starting up US rare-earth mines to compete. Inflation expectations are now falling. People are starting to realize Trump's plan is working and the fake news and the Fed lie. The Fed will not allow the Trump team to tour the Fed, the Fed released a virtual tour. Trump and Bessent do not know wha the Fed does. The [DS] are going their best to spin the latest declassified information on the Russian hoax. The fake news and D's will spin it to cover their crimes. Trump will then release more information that will destroy the spin and show they are covering up their crimes. The coverup always gets you in the end. Barack Obama is the real Manchurian candidate and he is being exposed, he committed treason against the US more than once with the help of many other people. Justice is coming. Economy New Rare-Earth Mine in Wyoming Challenges China's Dominance The first new U.S. rare-earth mine in 70 years broke ground this month in Wyoming. Ramaco Brook Mine, which contains 1.7 million tons of rare earth minerals, is a “groundbreaking discovery” that “marks a turning point for America,” the Department of Energy announced. According to a press release from Ramaco, the company that owns the mine, “[t]he Brook Mine project represents a strategic milestone in the nation's efforts to reduce foreign reliance on critical minerals essential to defense, technology, and clean energy.” Currently, China provides almost 90% of rare-earth minerals in the world. Source: dailysignal.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/AlvaApp/status/1947707128007037044 metric now sits below its March 2022 peak of 5.4% Furthermore, 5-year inflation expectations have fallen 0.8 percentage points over the last 3 months, to 3.6%, the lowest since March. However, long-term expectations remain above the average levels recorded over the last 30 years. Containing inflation must remain a top economic priority. What Are They Hiding? Fed Declines Trump Official Request For On Site Visit to Tour Building Renovations, Releases ‘Virtual Site Visit' Fed Chair Jerome Powell pulled another shady stunt after Trump officials requested a tour of the so-called $2.5 billion in building ‘renovations.' On Friday Chairman of the Board of Fannie Mae and Freddie Mac, Bill Pulte, revealed Jerome Powell offered a tour of the renovations on Friday night when no one was there. Trump officials were declined a request for an on site visit to tour the building renovations and instead were given a “virtual site visit.” “Instead of granting us our site visit, the Fed today released a “virtual site visit” video,” Trump White House official James Blair said. “What do they not want us to see?” https://twitter.com/JamesBlairUSA/status/1947420186329420006?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1947420186329420006%7Ctwgr%5Ee495d077f6efe35a49498e30734ae0a7839ce427%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F07%2Fwhat-are-they-hiding-fed-declines-trump-official%2F . Source: thegatewaypundit.com https://twitter.