Podcasts about Install

When He Says He'll Change: What Real Recovery From Porn Addiction Actually Looks Like With Sathiya Sam, Founder of DeepClean™ After discovering pornography, infidelity, or other secret sexual behavior, one of the hardest questions isn't simply Why did he do it? It's Can he actually change? He may swear he'll never do it again. Delete apps. Install filters. Start therapy. Hand over his phone. Go weeks or months without pornography. And you desperately want to believe that this time is different. But how can you tell the difference between someone who has stopped a behavior—for now—and someone who is actually changing? In this episode, Lora Cheadle sits down with Sathiya Sam, founder of DeepClean™, author of The Last Relapse, and host of The Man Within podcast, for a candid conversation about pornography addiction, betrayal, relapse, and what lasting recovery really requires. Drawing from his own 15-year struggle with pornography and his work helping men recover, Sathiya explains why pornography addiction is rarely solved by willpower, promises, shame, filters, or simply trying harder. Lasting change requires getting underneath the behavior to the emotional wounds, unmet needs, nervous-system patterns, beliefs, and identity that helped create the cycle in the first place. His current DeepClean approach likewise emphasizes addressing underlying emotional wounds, core beliefs, unmet needs, regulation, identity, and relationships rather than measuring success only by abstinence. Lora and Sathiya also address the question so many betrayed partners struggle with: What is my role in his recovery? Because supporting someone is not the same as recovering for them. You cannot love him enough, monitor him enough, become a "superwife," have more sex, make his life easier, or find the perfect words that will make him change. His recovery belongs to him. Your healing belongs to you. And perhaps most importantly, recovery doesn't have to mean returning to the relationship you had before. When someone genuinely addresses the roots of addiction, the goal isn't simply a man who no longer watches pornography. It's a man who knows himself better, regulates himself differently, communicates more honestly, takes responsibility for his needs and behavior, and begins showing up differently in his marriage and his life.   Top 3 Takeaways Stopping the behavior is not the same as healing what created it. A promise to stop, an internet filter, accountability software, or a period of abstinence may change behavior without addressing its roots. Sathiya describes lasting recovery as developing self-awareness, healing underlying emotional wounds and unmet needs, and shifting identity—not merely becoming better at resisting pornography. Look for trends of transformation, not just streaks of abstinence. Instead of asking only, How many days has he been "clean"?, look at what is changing in the man. Can he name his emotions and needs? Regulate himself during difficult conversations? Talk about what he's uncovering without becoming immediately defensive? Take responsibility for his recovery? Communicate honestly about both struggles and progress? As Sathiya explains, a relapse does not automatically erase every bit of growth—and a long streak does not necessarily prove the underlying problem has healed. You can support his recovery, but you cannot do it for him. One of the most painful truths for a betrayed partner is that you cannot make someone want recovery more than they want it themselves. Your job is not to become his accountability partner or work harder for his healing than he does. Your work is getting your own support, processing your pain safely, establishing and upholding your boundaries, and paying attention to what his behavior—not merely his promises—is showing you. Favorite Quotes “He kind of has to want to change more than you want him to change for anything to actually change.” — Sathiya Sam “I would rather be 100% my true self and rejected than 80% my true self and accepted.” — Sathiya Sam “This is not about him not loving her. This is not about him not valuing the marriage or the relationship or their kids.” — Lora Cheadle   About Sathiya Sam Sathiya Sam is the founder of DeepClean™, an author, international speaker, former university researcher and pastor, and host of The Man Within podcast. After his own long struggle with pornography, Sathiya developed a root-focused approach to helping men move beyond addictive behaviors by addressing emotional wounds, unmet needs, regulation, faith, relationships, and identity. His book, The Last Relapse, expands on the principles discussed in this episode, including why lasting freedom requires more than willpower or surface-level behavior modification. Learn more about Sathiya Sam Explore DeepClean Coaching Get The Last Relapse   About Lora Lora Cheadle, JD, CHt is a former attorney turned betrayal recovery coach, hypnotherapist, and author who helps women rebuild their identity and reclaim their power after infidelity and profound emotional betrayal. Using her signature Life Choreography® approach, she integrates legal insight, nervous system regulation, somatic practices, and deep spiritual support to help clients move from shattered to sovereign.     Resources & Links Download the free Betrayal Recovery Guide: https://betrayalrecoveryguide.com Book your $97 Introductory Session: https://introductorysession.com Follow on YouTube, Instagram, and Facebook @loracheadle   This podcast is sponsored by BetterHelp. Healing after betrayal often requires more than insight alone. Therapy can provide additional support, stabilization, and guidance as you navigate the emotional impact of infidelity and betrayal trauma.

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In this special edition of The Install, Buck Reising and Greg Cosell of NFL Films welcome Tennessee Titans Offensive Coordinator Brian Daboll to break down the meticulous process of quarterback evaluation, teaching fundamentals, and installing offensive concepts. Daboll shares his extensive coaching background, detailing how he works with young signal-callers on precise footwork, timing, and processing complex NFL defenses, while also discussing the strategic adjustments required during joint practices with the Chicago Bears.See omnystudio.com/listener for privacy information.

This is everything we learned from FPL this gameweek, and my early GW2 Team Selection and transfers for Gameweek 2 of Fantasy Premier League 2026/27!

With the Titans taking a brief break from training camp, the Buck Reising and Greg Cosell look ahead to their upcoming joint practices with the Seattle Seahawks. Greg pulls back the curtain on how coaches use these intense, inter-squad sessions to evaluate talent and breaks down the early preseason film on some highly anticipated rookies and young standouts.See omnystudio.com/listener for privacy information.

https://teachhoops.com/ Title: How Do You Evaluate and Assess Your Preseason? Subtitle: A simple framework for measuring what actually got better before the first game tips off Show Notes Preseason flies by, and most coaches judge it by feel. Did practice look sharp? Did the team seem to click? Feel is a bad measuring stick. In this episode we break down how to assess preseason with evidence instead of vibes, so you walk into game one knowing exactly what your team can and cannot do. What we cover: 1. Start with what you said you wanted Go back to the three or four goals you wrote before preseason started. Install the offense. Establish shell defense. Build conditioning. Identify a rotation. If you never wrote them down, that is the first fix for next year. You cannot evaluate against a target that does not exist. 2. Assess in four buckets Physical: conditioning tests, sprint times, weight room numbers, injury count. These are the easiest to measure, so measure them. Skill: shooting percentages from your charted spots, live ball turnovers per practice, free throw numbers under fatigue. System: can they run your top five sets without a whistle stoppage? Can they get into your press break in under three seconds? Execution under pressure is the test, not walkthrough. Culture: who talks on defense, who sprints back, who picks teammates up. Track it. You will learn more about your rotation here than anywhere else. 3. Use scrimmage and situational data, not just eye test Chart your own practices. Five on five segments, situational work, last four minutes scenarios. Keep it simple with three or four stats you actually care about. Deflections, defensive rebounding percentage, points per possession in your primary offense. 4. Ask the players A two question survey works. What do you feel most confident in? What do you feel least prepared for? Their answers will surprise you and often expose a gap you were about to walk right past. 5. Rank your roster honestly By the end of preseason you should be able to list one through fifteen and defend every spot. If you cannot, you have not seen enough competitive reps. 6. Write the postseason preseason report One page. What worked, what did not, what to cut next year. Do it in the first week of the season while it is still fresh. Future you will thank present you. Coach takeaway: Preseason is not about looking good. It is about gathering information. Evaluate it like a scout would, not like a fan. More coaching resources, practice plans, and the Coaching Community at https://teachhoops.com/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

You know why you want to eat more plant-based.  So why do you keep returning to old choices?It's not be a willpower problem. More likely, it's a programming problem.For most of our lives, we have repeated the same food choices within our families, communities, celebrations, restaurants, and daily routines. Those choices eventually become automatic. When we try to override decades of habit through determination alone, it can feel like pushing a boulder uphill—especially when life becomes stressful.In this episode, I explore how old food programming operates beneath our conscious intentions and why familiar choices can return so quickly during travel, illness, fatigue, family gatherings, or an ordinary difficult day.More importantly, I share two simple tools for beginning to install a different program: the redo and the rehearsal.A redo helps you revisit a moment that did not go the way you wanted and calmly practice another possible response. A rehearsal lets you imagine handling an upcoming restaurant meal, family gathering, work event, or stressful evening as the person you are becoming.You do not have to fight the old program or make one enormous decision. Through awareness, repetition, and practice, plant-based choices can gradually become more familiar, natural, and automatic.Try This: A 60-Second RehearsalChoose one moment tomorrow that could be challenging.Perhaps you will be tired at dinnertime, eating with family, attending an event, or looking at a menu with few obvious vegan choices.Relax your shoulders. Unclench your jaw. Take a full breath.Now imagine yourself moving through that moment calmly. See yourself asking simply for what you need or choosing the food that supports your plant-based practice. Let the choice feel ordinary rather than dramatic.You are giving your brain a new possibility to practice.The Key TakeawayYou are not the old program.You can notice the patterns that have been running automatically and begin installing patterns that better support the way you want to live. With repetition, today's awkward and unfamiliar actions can become second nature tomorrow.Subscribe & Review:If you enjoyed this episode, please subscribe and leave a review on your favorite podcast platform. Your feedback helps us grow and share the message of plant-based living with more listeners.For more information, to submit a question or topic, or to book a free 30 minute Coaching session visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠veganatanyage.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠or email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@micheleolendercoaching.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Music, Production, and Editing by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Charlie Weinshank⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. For inquiries email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠charliewe97@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Virtual Support Services: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://proadminme.com/⁠

Parents in Australia have many questions about the food provided to children attending long day care and sessional kindergarten. Do children eat food provided by the centre, or can parents send food from home? To what extent are halal and vegetarian dietary requirements accommodated? And how are sensitive issues such as food allergies managed? - آسٹریلیا میں لانگ ڈے کیئر اور سیشنل کنڈر جانے والے بچوں کی خوراک کے حوالے سے والدین کے ذہن میں کئی سوالات ہوتے ہیں۔ کیا بچے سینٹر کا کھانا کھاتے ہیں یا گھر سے خوراک لے جا سکتے ہیں؟ حلال اور ویجیٹیرین ضروریات کس حد تک پوری کی جاتی ہیں؟ اور فوڈ الرجی جیسے حساس مسئلے سے کیسے نمٹا جاتا ہے؟ ان تمام سوالات پر SBS اردو نے 15 سالہ تجربہ رکھنے والی ماہر آمنہ جاوید سے تفصیلی گفتگو کی۔Explore more ways to listen to the Urdu program here: Listen to SBS Urdu. Install our mobile app “SBS Audio” on Apple (iPhone) or Android devices: SBS Audio App. Download on Apple App Store, Download on Google Play. Follow us on social media: SBS Urdu on Facebook and on SBS Urdu on Instagram. - ______________ہر بدھ اور جمعہ کا پورا پروگرام اس لنک پرسنئے , اردو پرگرام سننے کے دیگر طریقے SBS Audio کے نام سے موجود ہماری موبائیل ایپ ایپل (آئی فون) یا اینڈرائیڈ , ڈیوائیسزپرانسٹال کیجئے۔ پوڈکاسٹ سننے کے لئے نیچے دئے اپنے پسندیدہ پوڈ کاسٹ پلیٹ فارم کا انتخاب کیجئے:  Spotify Podcast , Apple Podcasts

NFL Films senior producer Greg Cosell joins the show to break down the tape from the Titans’ preseason opener. Greg dives deep into the first-team offense, evaluating Cam Ward’s pocket presence, the crucial difference between ball placement and accuracy, and why routine throws are everything in the NFL. Plus, an in-depth look at rookie right guard Fernando Carmona’s impressive debut, run-game execution, and what to watch for as joint practices continue.See omnystudio.com/listener for privacy information.

Bienvenue sur le podcast Profit, Liberté, No Stress. Les 3 mots qui représentent le mieux mon « idéal business » et les stratégies que je mets en place pour vous permettre de l'atteindre. Se créer une activité qui rapporte vraiment, qui nous rend libre et avec laquelle nous sommes en paix : peu de stress, peu de contraintes.Envie de vivre de votre expertise ? Cliquez iciPour commander mon livre : Digital SelfmadeHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

The Fair Work Commission has announced a minimum wage of $31.30 an hour along with mandatory insurance for delivery and rideshare workers. The Transport Workers Union has called it a historic decision for the industry, while Sydney-based delivery worker Mazhar Qadir, who has been in the job for three years, welcomed the move but said several aspects still need clarification. - فیئر ورک کمیشن نے ڈیلیوری اور رائیڈ شیئر ورکرز کے لیے 31 اعشاریہ 30 ڈالر فی گھنٹہ کم از کم اجرت اور لازمی انشورنس کا اعلان کر دیا۔ ٹرانسپورٹ ورکرز یونین نے اسے صنعت کے لیے تاریخی قرار دیا، جبکہ سڈنی میں تین سال سے ڈیلیوری کرنے والے مظہر قادر نے فیصلے کو خوش آئند کہتے ہوئے کئی پہلوؤں پر مزید وضاحت کا مطالبہ کیا۔Explore more ways to listen to the Urdu program here: Listen to SBS Urdu. Install our mobile app “SBS Audio” on Apple (iPhone) or Android devices: SBS Audio App. Download on Apple App Store, Download on Google Play. Follow us on social media: SBS Urdu on Facebook and on SBS Urdu on Instagram. - ______________ہر بدھ اور جمعہ کا پورا پروگرام اس لنک پرسنئے , اردو پرگرام سننے کے دیگر طریقے SBS Audio کے نام سے موجود ہماری موبائیل ایپ ایپل (آئی فون) یا اینڈرائیڈ , ڈیوائیسزپرانسٹال کیجئے۔ پوڈکاسٹ سننے کے لئے نیچے دئے اپنے پسندیدہ پوڈ کاسٹ پلیٹ فارم کا انتخاب کیجئے:  Spotify Podcast , Apple Podcasts

En Chine, pendant des décennies, les jeunes Chinois quittaient les campagnes pour les grandes villes. Aujourd'hui, certains font le chemin inverse. Non par contrainte, mais par choix, pour entreprendre, innover ou simplement vivre autrement. Dans la province du Zhejiang, à quelques heures de Shanghai, reportage de Clea Broadhurst et Lei Yang.  De notre envoyée spéciale dans le Zhejiang,  À Yaoli, petit village entouré de rizières, les cafés et ateliers ont remplacé les maisons abandonnées. Huang Binbin fait partie de ces jeunes diplômés qui ont choisi de quitter la grande ville pour participer à la renaissance des campagnes chinoises. « J'ai passé sept ans à Pékin. Pendant mon master, je passais déjà plus de temps à la campagne qu'en ville. Peu à peu, je n'ai plus supporté le rythme urbain et j'ai pris goût à la vie rurale », explique-t-elle.  Avec son équipe, elle a redonné vie à ce village en créant un concept original : un village entièrement tourné vers les enfants et les familles. « Aujourd'hui, le village compte près de trente commerces. Beaucoup de jeunes viennent ici travailler et vivre. Certains rentrent en ville le soir, d'autres restent. Ils trouvent un équilibre entre vie professionnelle et personnelle », s'enthousiasme Huang Binbin.  Ancien salarié à Shanghai, Bao Xin a, lui, choisi de revenir dans son village natal lorsque les autorités locales lui ont demandé de participer à sa relance. En quelques années, un terrain envahi par les déchets est devenu un site de camping très fréquenté. « La première année, les revenus du village sont passés de 80 000 à plus de 2 millions de yuans. Les habitants ont retrouvé confiance », déclare-t-il.  « Aujourd'hui, je me sens plus heureux et plus libre ici qu'à Shanghai » Et pour lui, le calcul ne se limite pas au salaire. « Mon salaire a beaucoup baissé, mais les dépenses sont aussi bien plus faibles. Aujourd'hui, je me sens plus heureux et plus libre ici qu'à Shanghai. » Mais tous ne viennent pas à la campagne pour revitaliser les territoires ruraux. Aaron Zhang y a installé son entreprise de drones pour une raison beaucoup plus pragmatique : à Shanghai, il ne pouvait tout simplement plus tester ses appareils. Installée au milieu des collines, sa start-up expérimente désormais des drones capables de livrer des colis, de surveiller les rivières ou de participer à des opérations de secours. « Auparavant, il fallait entre 70 et 100 personnes par semaine pour surveiller la pollution, les déchets flottants ou les parcelles agricoles, se souvient l'entrepreneur. Aujourd'hui, cinq personnes suffisent, grâce aux données recueillies par les drones. Les personnes âgées du village recevaient leurs colis tous les trois jours. Aujourd'hui, les drones assurent une livraison quotidienne. » Grâce au télétravail, aux livraisons à domicile et à de meilleures infrastructures, la campagne chinoise n'est plus forcément synonyme d'isolement. Pour ces jeunes entrepreneurs, elle devient même un terrain d'innovation et, parfois, une alternative assumée aux grandes métropoles. À lire aussiLa Chine met ses universités à l'heure de l'IA et bouleverse ses cursus

REDIFF - Pascal rappelle l'émission pour annoncer qu'il a finalement trouvé un studio meublé, après plusieurs mois de recherche et une période très précaire à la suite de son expulsion. Installé depuis quelques jours dans ce logement proche de son travail, il explique que cette solution lui apporte enfin un toit et un peu de stabilité. Du lundi au jeudi à partir du 17 août, retrouvez Caroline Dublanche en direct sur RTL ! Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.fr.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Speaking about the agreement, international affairs expert Amjad Ali Khan explained the significance of the Mecca Agreement between Pakistan, Saudi Arabia and Türkiye, and why it has been described as an “Islamic NATO.” - ماہرِ بین الاقوامی سیاست امجد علی خان نے گفتگو میں پاکستان، سعودی عرب اور ترکی کے مابین طے پانے والے مکہ ایگریمنٹ کی اہمیت اور اسے "اسلامک نیٹو" کہے جانے کی وجوہات پر روشنی ڈالی۔Explore more ways to listen to the Urdu program here: Listen to SBS Urdu. Install our mobile app “SBS Audio” on Apple (iPhone) or Android devices: SBS Audio App. Download on Apple App Store, Download on Google Play. Follow us on social media: SBS Urdu on Facebook and on SBS Urdu on Instagram. - ______________ہر بدھ اور جمعہ کا پورا پروگرام اس لنک پرسنئے , اردو پرگرام سننے کے دیگر طریقے SBS Audio کے نام سے موجود ہماری موبائیل ایپ ایپل (آئی فون) یا اینڈرائیڈ , ڈیوائیسزپرانسٹال کیجئے۔ پوڈکاسٹ سننے کے لئے نیچے دئے اپنے پسندیدہ پوڈ کاسٹ پلیٹ فارم کا انتخاب کیجئے:  Spotify Podcast , Apple Podcasts

Rencontre passionnante et magique avec l'architecte Anna Chavepayre !Après avoir travaillé pour Rem Koolhaas ou encore Jean Nouvel, Anna reçoit en 2018 le prix Kasper Salin, la plus prestigieuse distinction décernée par l'Ordre des architectes suédois (2ème femme en 50 ans a avoir eu ce prix).Anna et ses 3 associés ont co-fondé le Collectif Encore. Installés dans le Béarn, dans une sublime ancienne teinturerie, au bord d'une rivière, au coeur de la nature avec les pyrénées comme fond d'écran !Anna est l'une des architectes que j'admire le plus. Avec Encore, ils proposent une lecture renouvelée de l'architecture, plus humaine et plus écologique.Le soleil, la lune, les étoiles, les fleurs, les plantes, les oiseaux sont des éléments centraux de réflexion dans chacun de leurs projets. Dans cet épisode, on parle d'architecture vivante, d'architecture de bon sens, d'architecture qui relie.. Pour Anna, "un bâtiment intelligent est con" et le rôle d'un architecte est plus que jamais aujourd'hui de créer des logements avec des oiseaux aux fenêtres.. et non pas de créer la plus belle fenêtre !Dans cette conversation, les idées reçues sont mises KO avec beaucoup d'intelligence et de bienveillance : -une architecture pour bien vivre n'est pas réservée aux budgets confortables-l'ancien a déjà plein davantages qui peuvent rapidement être remis en puissance en écoutant ce que ce bâtiment a à dire-c'est avant tout une façon de voir le monde et de vouloir l'habiter.Attention, conversation qui peut chambouler à l'intérieur !!Le site du Collectif EncoreLa conférence "Nous sommes le paysage" d'Anna, à regarder > ICI

According to the Australian Bureau of Statistics Census spokesperson Emily Walter, personal information and the identities of people living in the same household will remain confidential. People without a permanent address and those experiencing homelessness will also be counted in the Census. Find out more in this episode of our podcast series. - آسٹریلین بیورو آف اسٹیٹسٹکس کی قومی مردم شماری کی ترجمان ایملی والٹر کے مطابق، مستقل پتہ نہ رکھنے والے اور بے گھر افراد کو بھی مردم شماری میں شمار کیا جائے گا، جبکہ ایک ہی گھر میں مقیم متعدد افراد کی ذاتی معلومات اور شناخت کو خفیہ رکھا جائے گا۔ تفصیل جانئے اس پوڈکاسٹ سیریز کی اس آخری قسط میں۔Explore more ways to listen to the Urdu program here: Listen to SBS Urdu. Install our mobile app “SBS Audio” on Apple (iPhone) or Android devices: SBS Audio App. Download on Apple App Store, Download on Google Play. Follow us on social media: SBS Urdu on Facebook and on SBS Urdu on Instagram. - جانئے کس طرح ایس بی ایس اردو کے مرکزی صفحے کو بُک مارک کریں ہر بدھ اور جمعہ کا پورا پروگرام اس لنک پرسنئے, اردو پرگرام سننے کے دیگر طریقے, “SBS Audio”کےنام سےموجود ہماری موبائیل ایپ ایپیل (آئی فون) یااینڈرائیڈ , ڈیوائیسزپرانسٹال کیجئے۔ ہمیں فیس بُک اور انسٹا گرام پر فالو کیجئے۔

In the absence of any subsidies or other financial assistance, what is driving people to install solar? RNZ's climate change correspondent Kate Newton spoke to John Campbell.

De la Provence de son père aux collines du Garlaban, Marcel Pagnol livre le récit de son enfance, entre vie familiale, nature méridionale et premiers émerveillements.Rejoignez Franck Ferrand dans cette traversée des souvenirs d'enfance du célèbre dramaturge et cinéaste Marcel Pagnol. Installé confortablement dans son automobile un dimanche matin de 1956, Pagnol se remémore avec tendresse son enfance provençale, passée à courir dans les collines aux côtés de son ami Lili des Bélons et à suivre son père Joseph, un instituteur républicain, dans ses escapades de chasseur.À travers le récit de ces instants de vie simples mais emplis de poésie, Marcel Pagnol nous fait découvrir une Provence idéalisée, forgée au fil de ses souvenirs. Entre rires et émotions, il nous fait revivre les jeux insouciants de son enfance, les querelles familiales, les promenades secrètes et les exploits de son père, véritable héros à ses yeux. Derrière cette apparente simplicité transperce pourtant une réelle mélancolie. Pagnol, qui pense appartenir au passé, cherche à figer ces moments heureux avant qu'ils ne s'effacent à jamais.

Amina Javed, who has worked in the childcare sector for 15 years, explained the differences between preschool, sessional kindergarten and long day care in Australia, and how the system differs from that in Pakistan. - پندرہ سال سے چائلڈ کیئر کے شعبے سے وابستہ آمنہ جاوید نے بتایا کہ آسٹریلیا میں پری کنڈر، سیشنل کنڈر اور لانگ ڈے کیئر کے نظام میں کیا فرق ہے اور یہ پاکستان کے نظام سے کس طرح مختلف ہے۔Explore more ways to listen to the Urdu program here: Listen to SBS Urdu. Install our mobile app “SBS Audio” on Apple (iPhone) or Android devices: SBS Audio App. Download on Apple App Store, Download on Google Play. Follow us on social media: SBS Urdu on Facebook and on SBS Urdu on Instagram. - ______________ہر بدھ اور جمعہ کا پورا پروگرام اس لنک پرسنئے , اردو پرگرام سننے کے دیگر طریقے SBS Audio کے نام سے موجود ہماری موبائیل ایپ ایپل (آئی فون) یا اینڈرائیڈ , ڈیوائیسزپرانسٹال کیجئے۔ پوڈکاسٹ سننے کے لئے نیچے دئے اپنے پسندیدہ پوڈ کاسٹ پلیٹ فارم کا انتخاب کیجئے:  Spotify Podcast , Apple Podcasts

Buck Reising and Greg Cosell discuss why the Titans defense will be the team's biggest strength in 2026, and how it can be used as the team's superpower to win games. Plus, a handle of notable roster moves in the AFC South and how they will have an impact on the division race.See omnystudio.com/listener for privacy information.

Join this channel to get access to perks:https://www.youtube.com/channel/UChW7UyLcMH6QDwCS295w9aQ/joinCoaches are you ready to revolutionize your game preparation? For the past 6 seasons coaches across the nation have been using the ultimate scout team game-changer: The Coachpad!Imagine this: no more scrambling on weekends to prep scout cards, no more fumbling with paper and binders. Whether you're drawing your cards digitally with a computer program or sketching them by hand, The Coachpad is your all-in-one solution!Picture yourself on the practice field, effortlessly managing your scout team, or standing on the sidelines during game day, syncing adjustments from the press box to your coaches on the sideline and back. With The Coachpad, you can clearly see your scout cards even in the brightest sunlight—no more squinting or dealing with the wind blowing clear vinyl sleeves everywhere!This offseason, take your coaching to the next level. Get your Coachpad today at TheCoachpad.com and gear up for a winning season ahead!0:13 The CoachPad2:00 background4:00 why slot-t6:20 300 before 2009:10 400s/100s11:15 qb school22:00 cowboy it25:30 600/jet29:55 learning the slot-t32:35 the questionscarlos gomezoc sam rayburn hsx: @CoachGomez_SRTGoogle Sheethttps://docs.google.com/spreadsheets/d/1Dohuyci5dx36k4IFQUuX8XmuJsAIJ6JbYdcXrkcJ-4s/edit?usp=sharingNicholas BandstraX: https://twitter.com/CoachBandstraCoachtube: https://coachtube.com/users/coachbandstraMain Youtube Channel: https://youtube.com/c/NicholasBandstraLinktree: https://linktr.ee/CoachBandstraTik Tok: https://www.tiktok.com/@coachbandstra?_t=ZT-8vTQEmgfP3u&_r=1

Keith is joined by Jim Sheils, a seasoned real estate investor and builder who specializes in new construction and co-living properties.  Together they explore why traditional long-term rentals are struggling to cash flow and how co-living—renting individual rooms in purpose-built homes—can dramatically boost returns.  Jim breaks down how the model works, who the typical tenants are, and why platforms like PadSplit are essential for management, compliance, and steady occupancy.  Their discussion highlights how co-living can simultaneously address the affordable housing shortage and today's "cash flow crisis" for real estate investors. Episode Page: GetRichEducation.com/617 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. For the first time ever on the show, we're talking about what some call the greatest real estate cash flow strategy today: co-living. Learn about what it is, what it is not, the pitfalls to avoid, and just how terrifically profitable co-living property can be today on Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.    Speaker 1  0:59   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  1:15   Welcome to GRE from Dover, Idaho, to Dover, Delaware, and across 188 world nations. You're inside Get Rich Education nation. I'm your host Keith Weinhold. For about five years now, it's been harder to make the cash flow numbers work on long-term rentals, and that's because sure rents are up, but not as much as expenses are, and that's why for your regular income properties, builders buy down your mortgage rate for you so that it works. But now enter co-living properties, and your cash flow can be multiples higher. In fact, today we're going to talk about a model that has seven times the cash flow of a regular long-term rental, for example, instead of renting a detached single-family home to one family, if instead you divide it up into six bedrooms and rent each one of the six bedrooms to an individual, you will drive substantially more income. You've got six rent checks instead of one. That's what a co-living property is in general, and you're usually renting it to tenants that are working a lot. They're away from the property. It's often run through pad split. You'll learn more about what that means. And though co-living is lucrative, you still need the right market, the right layout, the management, which is really key here, and the right operating model. Today, we'll talk to a GRE Marketplace operator that provides co-living properties to investors like us with a management solution. And as you'll see, it gets even better than that. Although they serve just one geographic area in the U.S. which happens to be an investor advantaged area, as you'll see, this is conducive to out of state investors. If you want to own there, we're talking about co living income property today. Next week, there's something vital I want to tell you about, and I can't wait to do that. It's about the way that I talk when I meet a 25-year-old, and I learn that their only source of income is as an employee at a job. And no matter what age you are, what I'm going to share with you is going to apply to you too, and it's pretty transformative. That's next week here on the show. As for today, let's learn about co living. Jim Shields is here. Jim, welcome back to the show.   Jim Sheils  3:56   Keith, good to be here. Thanks for having me.   Keith Weinhold  3:58   Well, Jim, we saw each other in person a few months ago at a conference. I wanted to have you back here today to discuss co living since you're involved in it and you help other investors learn about it. And now you even started providing properties for co living specifically for them. And you know, Jim, with co living, I have seen models in the past where, oh, a single-family home it might be retrofitted, renovated to say have six bedrooms and three bathrooms, and that way you, as the owner, you could rent it to six tenants, really who are each only renting a room rather than renting the whole place to one family. In this way, tenants get cheaper rent because they're only renting one bedroom, and then for the owner, this gives them stronger cash flow because they're renting it to six different parties and not just one. So, with affordable housing really being a struggle for so many, you know, co-living is. Really taking off. So tell us more about what co living is and what it isn't, Jim.   Jim Sheils  5:05   Yeah, co living was something that was brought to us by one of the owners of Pad Split. Actually, they had met me and worked with me on other new construction projects, and and kind of my evolution, as you know, Keith was I I went from doing a ton of fixer uppers for many of years to new construction, and both can get you where you want to go. But I like new constructions. But meeting some of the owners of PadSplits, I found that they were starting to have the same struggles that I was when I was rehabbing a lot of homes. You know, it's not easy to take a three bedroom or four bedroom home and turn it into an eight bedroom or a seven bedroom, and so you know, starting from scratch with new construction, we're able to set up for what they're trying to create, and what they're really trying to create with co living is that affordable housing crisis. There's a lot more single individuals out there not looking for you know whole, not needing whole family dwellings to live. They're more at a basic income level that you know keeps them quite a bit below being able to rent. Like here in Jacksonville, the average price of a one-bedroom apartment is just outside of their qualifying range. So they might have a good job and decent credit, but they can't qualify. So what we've seen co-living do, and again, working through our our management partner of Padsplit, is they are bringing in this system of putting people together in one home, still with the screening, still with certain amenities that you know really help the property get seen, wanted, and rented, and then certain managerial things, where you're providing good options for living in areas that need more affordable living, and for landlord investors like ourselves, you're providing now a new opportunity to beat what I've called the cash flow crisis. You know, we have an affordability crisis, but that's also created a cash flow crisis, Keith. As you know, and the numbers that we've been able to see are quite advantageous for both the renter for the amount they pay and for the owner for the amount they're going to cash flow. And that's what I'm seeing this new co-living movement is about. It's really landlords taking a new risk on a certain type of property and tenants getting a type of property that fits their income and their needs.   Keith Weinhold  7:27   You know, Jim, philosophically, I'm thinking about assisted living homes, and when society changed sometime last century, assisted living homes became more of a trend where a lot of times that's where the elderly people went. Now we have co-living, and you kind of wish the world would be a place like where you know someone freshly out of high school or college could be married and have children, and you know just one or two jobs could float and support that family, and they would be able to afford their own home, either to own or rent. But increasingly, that's just not the world that we're living in. It hearkens back to multi-time GRE guest and legendary investor Jim Rogers. To paraphrase Jim Rogers, Jim Rogers said, "I need to invest in the world with the way that it is, not the way that I want the world to be. That's one thought that keeps coming to mind with co-living.   Jim Sheils  8:29   Yeah, for me too. Honestly, Keith, when I first heard about co-living, it was a few years ago. Someone saw me speak at a mutual event similar to one we last saw each other at. I got off stage, and they came up to me and they mentioned to me we're doing these things called co-living.   Keith Weinhold  8:44   Yeah.   Jim Sheils  8:44   And I was kind of blinded. I was looking backwards instead of forwards, and I said, "Oh, that doesn't sound right. That doesn't sound like it could work, you know. And I had a lot of what ifs, and how do you handle this? Well, you know, as the niches really started to solidify and show real wind at its back, all those questions and doubts I had have been answered, and I've kind of become a believer in why it's working and also the results. You know, for us, build right, finance right, manage right. That's always been our model. That's what's going to help us and our investors succeed. Building it right and managing it right. We had to figure out, but figuring that out-that's key. And it's very cool to see investors today breaking the norms of saying, "Well, you know, we can't have cash flow anymore on a nice new construction property in a growth market like Jacksonville, Florida. You can't have good cash flow. Well, that's just not true with co living coming on because again you're answering the call of a forgotten tenant and their needs.   Keith Weinhold  9:46   Yeah, I just think for any thoughtful investor, it's got to give them pause. But this is where society has gone. Well, we're going to talk about how profitable co living is for investors later. But first, tell us more about the nuts and bolts of how co.   Jim Sheils  10:01   Yeah. So the way that it works is, first of all, you start, you know, again going with our model, build right, finance right, manage right, building it right. When you're starting with new construction, you're able to go into the property with all eyes open, without a lot of surprises, and you're able to build it right to the design that a co-living property of success would entail. You know, we're doing seven bedrooms, seven baths. We're doing 14 bedrooms, 14 baths. We're doing 20 bedrooms, 20 baths. These are all things that we worked with the owners of Padsplit as they've worked and researched areas all over the country, starting here in Northeast Florida. But what we're doing, we figured out exactly what type of build you do you need to do that's going to work? Smaller living areas. There's only one utility box. There's not you know multiple utilities. It's not a multi-unit building. So there's one utility box. You build it to that specimen of either we build anywhere from seven bedroom, seven baths, right up to 20 bedroom, 20 baths, and that's the build part. That way, you're getting into it and not having to, you know, kind of. It's really tough, Keith. I don't need to tell you with your experience to turn a smaller house into that bigger house and starting from scratch with new constructions. Great. The second thing we found was finance. Right, as you know, we do our own in-house financing. Well, a lot of the co-living since the banks didn't understand it. Just like you know, it's become a newer niche. They were locking in at 8% You know, with our in-house financing, we were able to get deals down to five and a half percent. So right there, that helps with the rate, the long-term rate, the cash flow, and then management. Again, we've managed 1000s of properties, but we've really teamed up with PadSplit to help us manage these. This is what they specialize in, not only for attracting investors into their organization, but also for managing the properties and screening the tenants, getting them in, and their management system combined with our Build Right Finance Right has been a great combination.   Keith Weinhold  11:57   Pad Split, somewhat of a platform like Airbnb, but it's for co-living type properties. We'll talk more about pad split shortly. But yes, you are making these more efficient for co-living because right from the beginning, you are building them new construction specifically for co-living type of arrangements, rather than that six-bed, three-bath retrofit example I brought up near the beginning of our chat, but tell us more about who actually lives in co-living homes. What's the tenant profile like?   Jim Sheils  12:29   Yeah, let's go to the opposite end. When I first heard about this years ago, Keith, I said, "Oh my gosh, this is going to be really unqualified, seedy people not working, getting into trouble, and that's just not true. Again, a lot of these people are hardworking, but they can't afford the $1395 for a one bedroom apartment, but they can afford an $825 a month room. And a lot of these people might be working at a local warehouse, at a hospital. They're very localized, blue collar, or some in training jobs, you know, extra five $600 a month makes all the difference. Where it's not going out to rent, not even including utilities, it gives them a nice place to live. So it's really entry level replaceable income people, maybe single people that work at a nearby restaurant. But again, they're trying to save more money in their pocket and not spend it on that higher expense, which the competition would be a one-bedroom apartment.   Keith Weinhold  13:31   Now, the tenancy durations here are shorter than what you're going to have in long-term rentals, of course, because one part of what you do, Jim, is for years you have helped GRE followers with build-to-rent long-term rentals. The resident does get more. They're going to get a furnished room with utilities in co-living arrangements, and they're also probably going to have their utilities bundled as well. So tell us about the typical tenancy duration, and then what all the resident gets.   Jim Sheils  14:00   Yeah. So the residency is going to receive all the things that they have to be turnkey. That's the bed, the desk, the dresser, the closet, the bathroom. Everything is set up there for them, and so they just move in. They're not going to have to pay for electric or water or internet. All that stuff's going to be included. There's a washer dryer normally there. Sometimes they're coin operated, other times they're just included, but that way they're not trying to take out a utility in their name or set up internet. Also, for the investor, that's a good thing because you have one master lease. If you start to do a bunch of leases, well, you could get in trouble with the rules of your community, probably of having multiple leases on one property. It's not a multi-unit building, so you can't do that. So one master lease with one utility and all utilities included allows you to do that. This makes it very easy to move in and out. And the average Tennessee might only be six months, but again, the way that it's set up, what we like about PadSplit is they. Have a very good marketing and screening process, so they're constantly marketing and screening to people in the area, and then they have their own private community with investors. So we'll build it and finance it. Our people will move over to their community for management, so the owners can speak together, and then the tenants, though they're coming through pad split system, and so what I like about that is if they try to not treat the property well, well, they're not allowed back into any pad split properties anywhere within the city. So that's really good for co living protection. So we just see that turnkey approach, and you know you've been preaching turnkey real estate for a long time. Yeah, this is a turnkey room where they're able to move in, they're able to move out easily. They can transfer to another co-living property, and by doing that, you can get people in and out very quickly, which keeps the vacancies low, even with shorter tenancy.   Keith Weinhold  15:57   All right, so an average tenancy duration of about six months, and for you, the prospective investor, as you're trying to understand co-living, maybe think of it as like when you check into a hotel. Co-living residents stay longer than you stay in a hotel, but as far as all the utilities are in the room combined, all into one charge with your WiFi, your water, your electricity, your natural gas, and the room is already furnished. Just one all-inclusive payment, making it easier for that co-living tenant. And Jim, you've been talking about pad split, where you're partnering directly with them, and that's the management part of this. Of course, this is more management intensive than a long-term rental. So, tell us more about Pad Split and how it works. Sort of like an Airbnb platform, but yet for longer-term, affordable room rentals that has the property management infrastructure somewhat already built into Pad Split.   Jim Sheils  16:56   Yeah, I think your comparison to Airbnb is very accurate, Keith. But it's more of a community for both tenants and investors. Airbnb, you know, I have short-term rentals and I use Airbnb. But what I've seen with Padsplit, which I think they've done a good job with, it has a community feel sharing for the investors who are a part of the Padsplit community, and so there's extra communication on your management, how properties are going, what areas are doing that. You know, great source of communication on the ongoing management. But for the tenants too, they know right where to go to find these types of properties, and the tenants also have to join this community. So there's a joining where if you want to rent a pad split, they have to join the community. They have to go through all the approvals and such, so that's pretty much how it's set up. It's seen to be very effective. Again, what held me back from this probably for about two years, Keith, was the management piece. You know, we've always managed our properties. I said, well, this is not our niche. Just like we don't manage short-term rentals, we only rent manage long-term rentals, and so I really had to watch and survey a lot of the existing investors and how they were doing, but it's nice to see someone with a good managerial system for both the tenants and the investors to work together in.   Keith Weinhold  18:12   Does PadSplit handle everything like marketing and tenant screening and rent collection?   Jim Sheils  18:19   So what they handle is the way that pad split works, like here in Jacksonville, where's our main market where we've started building co living properties. Is they will work hand in hand like an Airbnb, but underneath them they'll have preferred property managers that they'll work hand in hand. It so they'll handle certain things of the marketing, the tenant screening, and then some more of the mechanical PM pieces, the property management pieces. There'll be an assigned property manager that the client will be working with, the investor will be working with, and the tenant will be working with. So it's kind of a two-tiered approach. Like right now, my I'll use Airbnb, but I have a property manager for my short-term rentals. Same thing here, but we actually have the preferred management list and approvals through Padsplit.   Keith Weinhold  19:06   Okay, so much of this is handled through Pad Split, but not everything. There's a second tier where they partner with local property managers in that area to, for example, help with tenant turns or help with maintenance requests.   Jim Sheils  19:20   Yep, absolutely, absolutely.   Keith Weinhold  19:23   Now, short-term rental hosts are used to Airbnb fees. What are Pad Split fees like?   Jim Sheils  19:29   There's a monthly fee for belonging to PadSplit to keep your property occupied in there, and I don't remember exactly what it is for the tenants, but I know that they keep it affordable. So overall, you're going to be paying a little bit less than an Airbnb property that you would for you know if you use Airbnb and use a short-term property manager, it can be quite expensive. We've seen the pad splits come in below that and still achieve the goals of a good short-term rental. You know we're seeing. I know we're getting into this later, but taking those fees out and doing quite a bit of contingency because of the move and move outs, we were still seeing like a seven bedroom, seven bath based around the same price of one of our single family homes. The cash flow can be about seven times higher. Wow, on that thing, so it it really does answer the call for higher cash flow by bringing that more affordable rental in.   Keith Weinhold  20:25   We're going to talk more about just how profitable it is for investors, and more about co living somewhat nascent model, a model that's actually been around for quite a while, but it's really gaining traction in making things more affordable for tenants and making things more profitable for investors, we're back with more shortly. I'm your host Keith Weinhold. This is Get Rich Education. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. 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Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream. Welcome back to Get Research Education. I'm your host Keith Weinhold. We're talking about co-living, specifically how smart it is to get this right from the beginning and build a new construction single-family home, or something that could be larger than a single-family home with seven bedrooms, seven bathrooms, or 14 and 14, or 20 and 20, and when we think about this gym physically, the footprint. What is parking like at a seven-bedroom home or larger? And did this entail any zoning hurdles?   Jim Sheils  23:15   A couple of things. It can entail zoning hurdles, so I would make sure, especially if you're doing new construction, you have someone who is a builder in the area that knows how to work with the county department or city department of how to get these approved. That's a very important things for how you submit them and how you make sure you're staying compliant. I think compliance is very important, obviously, for a rental and and parking. What we've seen right now is we look for about 50% So when I say 50% of bedrooms, so a seven-bedroom house, we're going to have three or four parking sites. There's a large majority of people that don't have a car, and that's why a lot of these are built near public transportation. But we still try to always serve, you know, based off of what we saw, the needs to stay in compliance, also working with Pad Split on lots of their designs. 50% of parking spots is usually good for the amount of bedrooms that you have.   Keith Weinhold  24:08   What about zoning hurdles? What had to be met there?   Jim Sheils  24:12   It's going to be a trial and error for a new builder or a person who's rehabbing a property. You know, we were not the first to come in and do this, we had watched Pad Split do it for two years and more with rehab properties, but just starting new construction, we knew Northeast Florida and what needs to be done very well, and so it's all in how you present it. Again, if you go in there with multiple utility boxes and such, you're going to be in quite an issue. So we found that we didn't have any issue with that. Also, we own some of these in some of our quad communities, so these were for larger. You know, you've worked with our quads before; they're yeah, you know, larger buildings. Well, we've been able to turn those into, for example, 20 bedroom, 20 baths, and so they operate like a small. Building, but they're in our quad communities where we wrote the HOA, and so they're allowed. And there's a plethora of parking there, so that keeps us in compliance. So really, compliance is knowing what your local city or county is going to require and knowing how to get that approved. That's very important.   Keith Weinhold  25:18   Okay, so these can thrive in sort of duplex and fourplex type neighborhoods. That's where they're being built, and you have a good bit of control over that with you having your own de facto HOA there as well. And Jim, I looked at several of the co-living properties and the footprints and the floor plans, and you know I was really encouraged to learn that really the cost for one of these brand new build seven bath seven bed co living properties really isn't that much more than a regular single family home designed for one family. So talk to us about the pricing.   Jim Sheils  25:57   Yeah, in Jacksonville, for example, seven bedroom seven baths, going between 325 and 345, which is very similar to single-family homes. And then our pricing for our quads, like a 2020, would be in the low nine hundreds, and that's the same as a quad as well. So we've been able to match our pricing to, and we have duplex ones. The 1414 would be mid five hundreds, which would be about the same as a Jacksonville duplex. So you know, I'm going off Jacksonville pricing right now, just as a sample. Sure. Okay.   Keith Weinhold  26:30   The model I looked at was seven bed, seven bath. It had two stories. The price was 325k, and it had 1800 66 square feet. Talk to us about just how profitable that it is for an investor on a pro forma income and expenses basis, Jim.   Jim Sheils  26:49   From what I've seen is if the average single family home was bringing in about $3,500, and that's a net on the year. So we're saying net, you know, cash flow on the year. Let's say it was about $3,500 on the year of a single family home that you bought. Well, your pad split property would be more closer to about 25,000 for the year. Wow! So that's a big jump. Now, with that comes a lot more rent collected, Keith. But also, and again, we can't do it here, but on the performa, there's more expenses because you have pad split. You have just very similar again. I think your analogy of a short-term rental for anyone who owns those very similar. There's more components. There's more pieces to it. There's more management. But what I did like about the performas that were first brought to us, large amount of rent collected, but also a large amount of contingency and expenses calculated in to get that number. So those are what I liked again seeing these is there's a lot of expense taken out to still reach that you know higher cash flow, but you know it's something that you will want to account for as well. You know what keeps people safe? Do your numbers. Do your numbers real. You know talk to people who have owned co-living properties, make sure that you're accounting for the extra expenses of tenants turning over more and and just more management involvement.   Keith Weinhold  28:10   Okay, so on that comparison where you likened it to a long-term rental versus this model, it's about $25,000 of annual cash flow, which is about $2,000 of monthly cash flow, and was that for the seven bed, seven bath model?   Jim Sheils  28:26   Yeah, and it would go up from there for the larger models.   Keith Weinhold  28:29   Yeah. Now, are tenants paying in advance by the week or by the month, or how does that work?   Jim Sheils  28:34   That's a key thing. They pay by the week, which I didn't realize how important that was for affordability and staying current on your rents, but from the things that I've been shown on working with Padsplit, they showed that when they charge people by the week, it's much more affordable. A lot of these people are paid weekly, so it really keeps them in good rhythm, and so they go on a weekly process.   Keith Weinhold  28:57   And is this just as conducive to out of area investors like long term turnkey rentals are?   Jim Sheils  29:03   Yeah. Well, that's why you always want to build right, finance right, manage right. You have lots of great connections. You can find a great builder that's willing to build them. You get good financing and then good management. So you don't have to live in the area, but you want to make sure someone is taking care of that for you. Again, I am going to say I know some people like to manage their own properties from afar. That can work with long-term rentals. I've done it with a few of mine when I left California and came here. From what I've seen, though, for co-living, the involvement-if you are from out of area-I would highly, highly recommend that you follow a manager process and work with a manager.   Keith Weinhold  29:43   Meaning that you would use one of PadSplits recommended managers.   Jim Sheils  29:47   I would use PadSplit with one of the preferred managers that we know well, and actually one of the managers that they highly recommend worked for our company for five years, and she's great. And for what we're. Doing, I can put a stamp of approval on it, and again, I think just seeing the involvement, these can work really well. But you want to have just like any time, but even more importantly, on these ones, you want to have management in place, especially if you're afar.   Keith Weinhold  30:14   Sure. So, what could the involvement realistically look like, Jim, if that out-of-state investor is using Pad Split and using Pad Split's recommended manager. What might that investor have to do remotely? And maybe that's just on an email basis.   Jim Sheils  30:32   You know, a lot can be done by email. Again, Keith, our goal-I don't think you should be spending more than two hours a month on managing your property manager. So again, just because there's more involvement, what I like is it doesn't mean there's more involvement for you. You're paying someone to set that up to handle it. You'll have to be involved somewhat. You are a property owner, but again, I don't see that you have to get involved with every little thing. In fact, I like to step back and not get too involved in my properties. I find like I just kind of go and stir things up. Let my manager do their thing. I'll manage certain big picture managerial things and in communication and overall just directionals. But you should not be getting overly involved. That's what their job is. You should not be doing that.   Keith Weinhold  31:18   Now I'm a turnkey real estate investor myself, as you know, with multiple properties in various states and places, and I'm used to getting monthly emails from my manager in those markets, and that is what my owner statement looks like: income and expenses and anything that's going on with the property. But that's just on a monthly basis. Are there weekly statements for co-living managers and owners?   Jim Sheils  31:42   Still rents are collected weekly, but statements still come out monthly.   Keith Weinhold  31:46   Because—   Jim Sheils  31:47   You want to, what you do is you collect all of the rents, but then again, it's easier to reconcile with all expenses and such that come out on a monthly basis. So it's done monthly.   Keith Weinhold  31:58   Are they writing common mistakes to avoid that are developing in the space, like an investor that gets in and buys their first co living property, and then they think, "Oh gosh, I wish I would have known about this thing sooner that I didn't think about because I'm only used to long term rentals. Any common mistakes to avoid pitfalls like that with co living, Jim?   Jim Sheils  32:17   Yeah, a couple of things. First, again, I can't stress enough that co living, from what I've seen and experienced, they do make money. But on the build it right, you know, going back to our build right, finance right, manage right. Just know if you're going to try one your on your own and you want to convert a home that's three bedrooms into a seven bedrooms, it is a much more tedious, involved process. Where again. Keith, like you said, are you getting things approved with the county or city? Just know that you really want to be in the know, and that's going to take some involvement. So that's my warning on if you're going to use co living and rehab your own property, financing wise. The thing that the mistakes I've seen made is people didn't see that they had higher interest rates, so you want to do that in your numbers. You know, working like with us, we're we have our own in-house financing. We're able to get it down to five and a half percent, but some of these co living banks are looking at it differently, and you might be more around 8% So you want to just do that in your numbers, and then the third pitfall, which we've you know hit on, and this is one of your real foundational rules: is management is key. And on these, where I see the biggest harm, once you get it built right and financed right, it could all fall apart if you don't have management in place. So I would just be you know some of you do it yourselfers. I have some things that I like to do it myself too, but on a more technical type of property like this, I highly encourage you get management in place to do their thing.   Keith Weinhold  33:47   For sure, it is easy to make the case that the management is even more important than the property itself. One of the things that I like about what you do there, Jim, is you're so forward-thinking and you are so into making the experience as turnkey for that investor as it can possibly be, and one of those things is as you rolled this out, you had a lot of the financing hurdles rolled out right with it. Tell us more about those in-house financing options you have that you touched on specifically for co-living, and especially I'm thinking through the lens of like that seven bed, seven bath, 325k co-living property that I saw.   Jim Sheils  34:28   Yeah, I mean it's nice with getting to be a builder of our size with a really good balance sheet. We're able to work with banks and buy large tranches of money or slate large tranches of money at cheaper rates than available to the public. You know, for our normal long-term rentals, we can get down to 3.75. That's for normal houses. You can't get that low because of risk factor. Banks still they like working with us, but we have gotten it down to five and a half percent. So right now, our most popular program is a 30-year fixed five and a half percent for co. You know, and again, a lot of people that have come to have said, "Holy moly, we were locked in at 8.15. We are getting it not as low as our lowest rate, but at a really good rate now. You know, below what's normally offered out there. So that's normal qualifying that you would have to do with any bank loan through us. And our counselors are happy to talk more about that. That's our most popular program for the co living for the seven seven. You're looking at a five and a half percent interest rate, 20 to 25% down. That is a super attractive rate. Is that something that the home builder helps participate in buying down discount points, or that the buyer is asked to do in order to get down to that rate? Working with us, well, it could go either way out in the marketplace, Keith. When working with us, we pay all of those required fees and points to get the lower rate. That's on us, not on the buyer.   Keith Weinhold  35:50   All right, we're talking about co-living properties today-a way to supercharge your cash flow. This is one of the greatest cash flow strategies in all of residential real estate today, Jim. Is there any last thing you have to tell us about co-living? Perhaps something that I did not think about asking you that I should have.   Jim Sheils  36:09   I think that's probably just what you and I talked about, like what Jim Rogers said. It's how not how I want things, but how things are. Yeah. And so for me, I held back for a few years, even when some of the founders right here in my own backyard have pad split to team up with, but I think that I couldn't picture Keith 10 years ago having a short term rental and like wait a minute I'm going to have them stay there every week and I'm going to have to furnish it you know is from the old guy doing long term rentals so I think for people just read up on it it's becoming a very interesting trend there's some very interesting statistics of why this is working, how management can be handled effectively, how to stay in compliance with your city. There's a lot of good information. This is a great starting point to our conversation today, but I don't think this niche should be ignored because the track record is already there and it is answering a need of both investors and tenants, which is pretty cool.   Keith Weinhold  37:04   It has been super intriguing to learn more about this. Jim represents one of our GRE Marketplace providers. It's been great having you back on the show.   Jim Sheils  37:13   Now, thanks for having me, Keith.   Keith Weinhold  37:20   Yeah, a really informative episode today. If you want to learn more about co-living properties, you can do so at gremarketplace.com/co-living. That's where you'll get the investment report, floor plans, financial projections, see the exact pricing, and learn more about pad split there. I've been around this space for a while, and I know investors that own co-living properties. Some other best practices that I've learned about are that you want to have limited visitation or a zero visitation policy for your co-living tenants. As we touched on, these properties can really make money, but don't try to manage them remotely. Make the house rules unusually specific. Address guests, quiet hours, smoking, drugs, pets, parking, food storage, shared bathrooms, thermostat settings, and cleaning and abandoned belongings, and enforce the rules consistently and quickly. Because one disruptive resident can cause several good residents to leave, and in co-living, retaining household harmony that is often more valuable than retaining one problem tenant. Provide professional common area cleaning. Don't expect seven or 14 unrelated adults to collectively develop some passion for wiping down the stove. That is not going to happen. Shared areas should be cleaned at least weekly. Install bedroom locks and then smart exterior locks. Give each resident private space, eliminate shared keys, and immediately revoke keys after move out. Cameras they should generally be limited to lawful exterior and entry locations, not in private spaces. Provide excellent internet in co-living, unreliable WiFi. That is practically a habitability crisis. Use business-grade equipment, strong coverage, and have a backup plan for internet. And as an investor, it's wise for you to maintain a larger repair and turnover reserve than you would for a normal long-term rental. Keep these things in mind, and it can keep seven times the cash flow from becoming seven times the headache. Again, you can get the investment report, floor plans for the very properties we discussed today, financial projections, pricing, and get more information about pad split all at. gremarketplace.com/co-living. That's gremarketplace.com/coliving. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  40:15   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  40:43   The preceding program was brought to you by your home for wealth building getricheduceducation.com

Buck Reising and Greg Cosell investigate the pairing of Cam Ward and Brian Daboll, and break down why the hiring of the former Giants Head Coach will lead Ward's path to success as a pro. See omnystudio.com/listener for privacy information.

Buck Reising and Greg Cosell investigate the pairing of Cam Ward and Brian Daboll, and break down why the hiring of the former Giants Head Coach will lead Ward's path to success as a pro. See omnystudio.com/listener for privacy information.

Buck Reising and Greg Cosell investigate the pairing of Cam Ward and Brian Daboll, and break down why the hiring of the former Giants Head Coach will lead Ward's path to success as a pro. See omnystudio.com/listener for privacy information.

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