Podcasts about Inventory

"What ifs" are futile. There is no point in wishing to rewrite the past unless we use those "what ifs" to create our genius. We must own our mistakes and dig deeper into how to do it better the next time around. Let's use my "what ifs" to help you begin to rewrite your story before you end up on the couch with your own box of tissues and bottle of Tums. Let's talk through how the Inventory Genius Method can breathe new life into your product-based business. Listen in to learn more... Get Your Copy of My New Book - https://www.ciarastockeland.com/book Get Going with the Inventory Genius Club - https://www.ciarastockeland.com/offers/zsc6RtjdBook a Consult Call - https://www.ciarastockeland.com/work-with-meSign Up for Free Weekly Tips and Trainings - /blog/goals-setting-tracking-measuring-achieving#section-1643058524236Please send any business inquiries to hello@ciarastockeland.com.

How do you know if your inventory is too old?  Just blow on it.  If you see dust in the air, your inventory has been there too long.  Inventory is a real pain for small businesses.  Have too much and you kill your cash flow, have too little and you lose valuable sales.  In this episode, Mike and Blaine talk about the perils of inventory and a few survival tactics for small business.Featured Beer: @sierranevadabeer @TwinSailsBrewingMike: Sierra Nevada - Hazy Little Thing IPABlaine: Twin Sails - Space Armadillo Double IPAThanks to Beer Sponsor: CPA, Larry WeinsteinWatch on YouTube: https://youtu.be/Bq8l_6XpTVwListen to all our episodes at: https://www.mikeandblaine.comcashflowmike.comdryrun.com#smallbusiness, #cashflow #finance #beer #friends #entrepreneur #smbs #craftbeer Support the showCatch more episodes, see our sponsors and get in touch at https://mikeandblaine.com/

Join us for an insightful interview with Marcia Williams, author of "Scaling Supply Chains with Maria." In this episode, we delve into the critical partnership between supply chain and finance. Discover the not-so-secret world of finance and why it is essential for supply chain and demand planning to embrace it as a trusty sidekick.Support the showTo sign up for regular updates and the latest research, events, articles, podcasts and more from the Institute of Business Forecasting & Training, visit www.ibf.org

In this episode, Curtis May features Kira Wissman who is an OPERATIONS AND LEADERSHIP EXPERT, and Chris Mannina a SMALL BUSINESS FINANCE EXPERT of KWC, a team of accountants and advisors all dedicated to the founding principle of providing quality personal service. Highlights Fundamentals of accounting and reporting - and their application in the real world Motivating staff, communicating effectively, and understanding what employee engagement means Optimizing operational efficiency through a practical look at expenses Understanding the basics of cash accounting vs. accrual accounting Bridging the gap between finance & accounting department and the rest of the organization Inventory management and why it is critical to the success of your business Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - curtmay@gmail.com Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Private Reserve Strategy: https://app.agent-crm.com/v2/preview/vWh4TyHnUBXdULimd82i Connect with Kira Wissman and Chris Mannina Website: https://www.kwccpa.com/ https://www.linkedin.com/in/kdw2200/ https://www.linkedin.com/in/manninastrategies/ Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession  Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS

In this episode, Doc and Coach Peel back the onion and share some of their failures and successes thus far in 2023. Great passion and great conversation. Enjoy!

In this episode Jamie answers a question received from a listener last season: "How can we further support our internal efforts to move overstocked products through affiliate?" Here's a brief summary of what's covered:The affiliate channel can definitely help move overstock inventory, in fact it is probably the best channel to do soCommunicate with your partners about these items through text links, product links, banners, newsletters, FMTC, and moreCreate exclusives for top partnersUse these to recruit partnersUse these in an affiliate contest, and ...Use these to recruit the important content publishersGive it a listen and let us know what you think!

In today's solo episode, Richard goes over L.A. County inventory as a whole and how it remains squeezed. He then goes over the South Bay inventory - city by city and how it mimics L.A. county's stats. For more South Bay real estate insights, subscribe to Richard's weekly blog at https://haynesre.com/blog/

Welcome to How's the Market, our weekly look at what's happening in the US housing market, powered by data from Altos Research. If you want to see all the inventory, pricing, and supply and demand charts we reference in the show, head on over to our YouTube channel at https://youtube.com/altosresearch. Enjoy the data! Hosted by Mike Simonsen, President of Altos Research A true data geek, Mike founded Altos Research in 2006 to bring data and insight on the U.S. housing market to those who need it most. Altos provides national and local real estate data to financial institutions, real estate professionals, and investors across the country, and the company is now part of HW Media, publisher of HousingWire and RealTrends. Mike uses Altos data to identify trends in the real estate market well before the headlines, and his work has been featured in the New York Times, The Atlantic, Fortune, Forbes and other publications.

In this week's episode of FTR's Trucking Market Update podcast, we discuss a milestone for pre-employment queries of the drug and alcohol clearinghouse and an unusual move in diesel prices. We also review key indicators of housing activity and recap the week in the spot market for truck freight. The Trucking Market Update is hosted by FTR's Vice President of Trucking, Avery Vise. As this information is presented, you are welcome to follow along and look at the graphs and indicators yourself by downloading the presentation.Download the PDF: https://freight.ftrintel.com/trucking-podcast Support the show

In this episode of the Wavebreak Podcast, we're joined by Lauren Dovey, the founder of Heat Healer. Heat Healer is a direct-to-consumer health & wellness brand focused on developing the world's best heat therapy products.In this episode, we cover:The story behind Heat Healer and how they sold out of their initial inventory in just 2 weeksHow Heat Healer managed to capture the attention of prominent publications and even celebrities, earning featured spots and widespread recognitionFuture plans for expansion into additional products to further serve their customersLauren Dovey is the founder of Heat Healer.Links MentionedHeat HealerLearn more about Wavebreak: the email & CRM agency for high-growth DTC brandsSponsored by...Klaviyo — Over 265,000 innovative brands are growing their businesses by listening and understanding to cues from their customers--easily turning that information into valuable marketing messages used to build highly segmented, automated email & SMS campaigns, such as win back campaigns or abandoned cart recovery and more.AdNabu is the top-rated AI product feed management app trusted by 8000+ Shopify and Shopify Plus brands. Powered by the same language models fueling ChatGPT, its AI tech generates the most effective strategy for each marketplace (Google Shopping, Facebook, TikTok, and more) in real-time. Install the app or book a demo today using code LEADINGBRANDS20 for 20% off.

Discover why 80% of Americans think it is a bad time to buy a home. Is it just high interest rates, or is there another reason? Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 2% or 10% on your money over 30 years, is the difference between it growing to $181,136 or $1,744,940, an increase of over $1.5 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? -Asset allocation model with stock and crypto ticker symbols and percentages to invest -Monthly VIP investing webinars with Linda -Private VIP Facebook group with daily interaction with Linda -Weekly VIP stock market & crypto update emails -Lifetime access with no additional cost -US and foreign investors, no minimum $ amount required Extending the special offer, enjoy a 50% savings on the VIP Experience by using promo code "SAVE50" at checkout. Pay once and enjoy lifetime access without any additional cost. Click here to enter code and save 50%. Or have a complimentary consultation with Linda to answer your questions by requesting a free appointment to talk with Linda. WANT TO BUY STOCK PRE-IPO? #Ad The barriers have been removed for private equity and it is now available to everyday investors. Sign up to receive a $500 credit for your first investment with Linqto, here: https://www.linqto.com/signup?r=e9tdhbl49v  PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR THE WEALTH HEIRESS BOOK Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) WANT MORE FROM LINDA? Check out her program: https://www.lindapjones.com/why-join-the-vip-experience/ Get inspiration from Linda on Instagram: https://www.instagram.com/LindaPJones/ Follow her on Twitter: https://twitter.com/LindaPJones WEALTH MENTORING LIBRARY OF PODCASTS Listen to the full Wealth Mentoring Library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics: https://www.lindapjones.com/podcasts/ Be Wealthy & Smart, is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor™. Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)

The vehicle market is going through a slow, steady healing process. Inventory is up. In light of the UAW strike, Clark discusses pricing for both new & used automobiles. Also today, Clark explains how Delta, United and American airlines actively devaluing their frequent flyer programs - is actually good for travel consumers. Vehicle Market Update: Segment 1 Ask Clark: Segment 2 Devalued Miles: Segment 3 Ask Clark: Segment 4 Mentioned on the show Buying a car? What the UAW strike means – and doesn't mean – for auto sales Wall Street Bet Big on Used-Car Loans for Years. Now a Crisis May Be Looming. I Don't Like My Car but I'd Be Upside Down if I Traded It In. Is There Anything I Can Do? 7 Cheapest Cities To Buy a Used Car How Do I Find a Mechanic To Inspect the Car if I Find a Used Vehicle Hundreds of Miles Away? Student Loan Payments Are Restarting: 4 Things To Know SAVE Repayment Plan Offers Lower Monthly Loan Payments 9 Ways To Pay for College Without Student Loans [The Washington Post] A golden era of airline status is ending Points Guy - Delta SkyMiles changes: Airline overhauls how you earn Medallion status in biggest change yet Why You Might Want To Dump Your Delta Credit Card Now (Clark.com) Clark.com resources Episode transcripts Community.Clark.com 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

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Wouldn't we all just “do the work” if we knew financial freedom lie within our grasp? Wouldn't we all do whatever it takes to finally sleep at night, pad the bank account, and rid ourselves of imposter syndrome once and for all? So, what is the work? Listen in to learn more... Get Your Copy of My New Book - https://www.ciarastockeland.com/book Book a Consult Call - https://calendly.com/ciarastockeland/consult Get Going with the Quickstart to Inventory Genius - https://www.ciarastockeland.com/quickstart-inventory-genius (save $100 when you use code, "PODCAST")Sign Up for Free Weekly Tips and Trainings - /blog/goals-setting-tracking-measuring-achieving#section-1643058524236Please send any business inquiries to hello@ciarastockeland.com.

Today, Jim, Todd, and Lisa discuss adapting to low inventory and how to secure real estate listings and satisfy buyers. Subscribe to receive NEW show alerts via email; click here: https://bit.ly/35juLYW  Want to be on our show and get a chance to win a $100 ProspectsPLUS! gift card? Email our show's producer and tell us your listing success story: lisa.gray@prospectsplus.com Become branded in a specific neighborhood with the Market Dominator. Learn more HERE: https://bit.ly/3fJC3Lw 6-Month Done-For-You Real Estate Marketing Plan FREE Download here: https://bit.ly/3ia2fAC Real Estate Marketing Leader ProspectsPLUS! - https://bit.ly/34IzBOS ProspectsPLUS! Resources to Help You Succeed: Schedule an SOI campaign; click here - https://bit.ly/35UAzsO To learn more about the 3 Extra Closings a Year Guarantee, click here - https://bit.ly/336vNGU The Free Online SOI Calculator, click here - https://bit.ly/35Tpjgq The Free Online BusinessBASE, click here - https://bit.ly/3wUty6a Todd's book, "Become a Listing Legend" https://bit.ly/3fMveZC  

Join us for this fun and captivating conversation between Patricia Holbrook and Max Lucado. In this episode, Max and Patricia start the conversation talking about their experiences in Brazil.  They turn their conversation to the subject of Max' new book:  "God Never Gives Up on You," drawing lessons from the biblical character Jacob, who, despite his flaws, was chosen by God and used to fulfill His plans. Max reminds us that no matter how far we may have strayed, God is never done with us. He shares stories from his own life, including his battles with alcohol and anger, highlighting the power of God's grace and the beauty of the gospel message. Max also talks about his new book   Purchase Max Lucado's book here: GOD NEVER GIVES UP ON YOU  or paste: https://amzn.to/3PqnSLZTo watch the interview: https://youtu.be/a6H_Xbkwjdo To stay updated about She Soars Conference, sign up for our newsletter: https://www.soaringwithhim.com/conference/#PodcastEpisode#GodSizedStories#MaxLucado#GodNeverGivesUpOnYou#NewBeginnings#GospelMessage#SalvationByGrace#ImperfectPeople#FindingHope#JacobStorySupport the showClick on the link above to support us and help keep this show going!Click on the links to connect with Patricia on Instagram, Facebook, Twitter, LinkedIn, YouTube

  Landaas & Company newsletter  September edition now available. Advisors on This Week's Show Kyle Tetting Adam Baley Tom Pappenfus with Max Hoelzl, Joel Dresang, engineered by Jason Scuglik Week in Review (Sept. 18-22, 2023) Significant Economic Indicators & Reports Monday No major announcements Tuesday Trends for housing starts and building permits moved in opposite directions, according to the Commerce Department. The annual pace of starts declined 11% from July, sinking to the slowest pace since June 2020. Meanwhile, permits – an indication of future housing construction – rose nearly 7% from July, though they were almost 3% below the pace in August 2022. After pent-up demand and historically low mortgage rates rallied home building to its briskest levels since 2006, activity has tapered off in the last year amid higher interest rates. The pace of single-family houses under construction slowed for the 15th month in a row. Wednesday No major announcements Thursday Labor market conditions remained robust as the four-week moving average for initial unemployment claims declined for the third week in a row. The measure was 41% below the all-time average and the lowest since February, according to data from the Labor Department, a sign of employers' continued reluctance to let workers go. Nearly 1.7 million Americans were receiving jobless benefits in the latest week, down from 5% the week before but up 30% from the year before. The annual rate of existing home sales fell 0.7% to 4 million in August, the third slowdown in three months, down 15% from the year-ago pace. The National Association of Realtors said an ongoing lack of houses for sale continued to raise prices. Inventory dropped to a 3.3-month supply, about half of what the trade association said was needed to stabilize pricing. The median sales price hit $407,100 in August, up nearly 4% from the year before. The Conference Board's index of leading economic indicators fell in August for the 17th month in a row. The index declined 0.4% from July because of weaker measures for factory orders, consumer expectations, interest rates and credit conditions. Nearly a year and a half of falling indicators prompted the business research group to forecast a “challenging growth period and possible recession,” with projections of 2.2% economic growth in 2023 and 0.8% in 2024. Friday No major announcements MARKET CLOSINGS FOR THE WEEK Nasdaq – 13212, down 497 points or 3.6% Standard & Poor's 500 – 4320, down 130 points or 2.9% Dow Jones Industrial – 33964, down 654 points or 1.9% 10-year U.S. Treasury Note – 4.44%, up 0.11 point Not a Landaas & Company client yet? Click here to learn more. More information and insight from Money Talk Money Talk Videos Follow us on Twitter. Landaas newsletter subscribers return to the newsletter via e-mail

Dr. Mekia Troy, CMAA for Creekside High School in Georgia talks about the importance of keeping an accurate Inventory on this week's TEACHABLE MOMENT on The Educational AD Podcast! --- Send in a voice message: https://podcasters.spotify.com/pod/show/educational-ad-podcast/message Support this podcast: https://podcasters.spotify.com/pod/show/educational-ad-podcast/support

In this episode of In The Club Podcast by Club Colors, Jeremy Lott, President and CEO of SanMar, shares insights into the company's journey from a screen printing business to a leading supplier in the promotional product space. He emphasizes the importance of inventory and customer service as key drivers of success. SanMar's flat pricing structure fosters strong partnerships with customers, allowing them to compete based on merit rather than price. Lott highlights SanMar's purpose-driven approach of creating lasting connections that elevate lives and discusses the significance of product expertise in the industryKEY TAKEAWAYSSanmar is a company that emphasizes creating lasting connections that elevate lives as its core purpose.The company sees its role as more than just providing products; it's about building a sense of community and identity through the apparel they supply.Sanmar differentiates itself by focusing on service and building strong partnerships with its customers. It believes that service is a critical component of its success.Sanmar's approach to pricing is flat and fair, meaning customers pay the same price regardless of their size, fostering a level playing field.Inventory is seen as an asset, not a liability. Sanmar maintains deep inventory to support its customers and believes it's crucial for success, even though it might seem counterintuitive to some.The company's journey has evolved from being primarily a distribution business to becoming an apparel company, combining product innovation with efficient distribution.Sanmar's purpose-driven approach and interconnectedness with its partners are key factors in its success. It seeks to create value for its customers, employees, and the communities it serves.The company places a strong emphasis on product quality and strives to elevate the products in its industry.Sanmar believes in delivering value through its products, services, and expertise, rather than engaging in price competition.The company's growth has been gradual and focused on building strong partnerships over the long term, allowing it to weather challenges like COVID-19 effectively.Sanmar's approach to business is centered around creating a community of partners, rather than just customers, and aligning its goals with theirs to achieve success together.QUOTES"We're in this garden, and the moss that's growing benefits by the tree and the tree provides shade... It's the way I've always thought about our business. So we're here together going out and trying to grow a business together." - Jeremy Lott"Create lasting connections that elevate lives. That's our purpose as an organization." - Jeremy Lott"We look at it as, we're laser-focused on how we service our customers. That's our mentality as a company." - Jeremy Lott"We want to make products that people want to wear. We wanted to elevate products in our industry." - Jeremy LottConnect and learn more about Jeremy through the link below.LinkedIn: https://www.linkedin.com/in/jeremy-lott-56581020/If you enjoyed this episode of In the Club Podcast with Club Colors, please leave us a review on your favorite podcasting platform!Club Colors: https://www.clubcolors.com/

In today's installment, Garrett and Matt expertly navigate the intricate world of managing real estate transactions involving contingencies. As the real estate landscape continues to morph and shift, contingencies have risen to prominence, commanding the attention of both astute agents and discerning buyers alike. Garrett and Matt provide a treasure trove of insights and strategies that serve as invaluable compass points when working with these offers.  They note that understanding the financial qualifications of prospective buyers, assessing the equity in their current residences, and meticulously weighing the associated closing costs are paramount on this journey. Placing a strong emphasis on the indispensable role of education throughout this process, our hosts also underscore the significance of enlightening both buyers and sellers about the realities of contingent offers, while establishing clear expectations from the outset. As you will hear in this timely episode, by deftly employing contingent offers, you'll not only aid your clients in achieving their dreams, but, in true Ninja fashion, you'll also chart a course to navigate the evolving market with precision and finesse. More expert advice can be found in the community of approximately 13,000 Ninjas who collaborate, ask and answer questions, network, and more in the Ninja Selling Podcast group on Facebook at Ninja Selling Podcast Facebook. Leave a voicemail at 208-MY-NINJA if you'd like to offer more direct feedback. Be sure to check out Ninja Selling Events for upcoming installations and other events, and if you'd like personalized help in achieving your goals, visit Ninja Coaching to connect with one of our fantastic coaches. Episode Highlights: The rise of contingent offers in the real estate market Understanding the financial qualifications of buyers Evaluating the equity in the buyer's current home for negotiation Considering the costs associated with closing the sale Educating clients about contingent offers and their implications Setting clear expectations from the beginning for smoother transactions Adapting to changing dynamics in the real estate market The increasing prevalence of contingencies in real estate transactions Quotes: "The more these contingent offers that come across your desk, there are certain things that you're going to start to see because you see them enough." "This is why crazy one month inventory markets are not healthy." "The ones that are able to adapt to change are going to master the marketplaces in front of us." "These are the things that you learn when you're doing things yourself." "Know what you're going into and be very prepared not just with that price analysis from Focus 1st or whatever program you use." "This is going to open up opportunity. It's going to open up inventory." "Just be aware, understand what your market is, and educate yourself." "Have fun out there. Learn, grow, help your people." Links: www.TheNinjaSellingPodcast.com Email us at TSW@TheNinjaSellingPodcast.com Leave a voicemail at (208) MY-NINJA Ninja Selling www.NinjaSelling.com @ninjasellingofficial Ninja Coaching: www.NinjaCoaching.com @ninja.coaching Ninja Events www.NinjaSelling.com/Events Garrett garrett@ninjacoaching.com @ninjaredding Matt matt@ninjacoaching.com @matthewjbonelli The Ninja Selling Podcast Facebook Group Ninja Coaching Book Study Ninja Mastery  

We've entered a unique time in real estate here in The Triad of North Carolina.  Inventory is going up (it's still low, BTW) and buyers are hitting the pause button on their search.  Blake Ginther from The Ginther Group has studied the latest market data and is here to offer strategies for both active buyers and sellers to make sure your approach is in line with the current housing market trends.   theginthergroup.com 336-283-8689 The Triad Podcast Network is presented by The Ginther Group Real Estate, Ashley McKenzie-Sharpe of Highlands Residential Mortgage and Three Magnolias Financial AdvisorsSee omnystudio.com/listener for privacy information.

 In this week's episode of FTR's Trucking Market Update podcast, we explore a range of key economic indicators, including manufacturing output, retail sales, inventories, and inflation at the consumer and producer levels. Plus, we recap the week in diesel prices and the spot market for truck freight. The Trucking Market Update is hosted by FTR's Vice President of Trucking, Avery Vise. As this information is presented, you are welcome to follow along and look at the graphs and indicators yourself by downloading the presentation.Download the PDF: https://freight.ftrintel.com/trucking-podcast Support the show

Did you know that you're entitled to reimbursements from Amazon for lost / damaged inventory within Amazon FBA? Mike and Yoni, the CGO of GETIDA, discuss everything you need to know about reimbursements and auditing.    Check out GETIDA with our affiliate link!   According to last year's Software Poll, a whopping 37% of sellers are NOT using a reimbursement service of any kind. As Yoni mentions in today's episode, that is not only a significant loss in cost, but also a loss in potential profit margins that you could have gained.    Yoni Mazor is today's guest, and the CGO of GETIDA, one of the biggest companies out there specializing in Auditing and Reimbursements for Amazon Sellers. We talk about the common mistakes that Amazon makes, how you can claim reimbursements from Amazon for free, and the amount of inventory lost in Amazon FBA on today's episode.    If you've ever been reclassified into a different FBA size tier, (which is extremely common) then this episode is definitely for you. Here are some chapter markers:  0:00 - Introduction  1:02 - Amazon Is Stealing Money From You 2:57 - Why Amazon Is Better Than Other Marketplaces with Reimbursements  4:13 - "What is Amazon infamous for, and what can you do about it?" 5:50 - "What Percentage of Shipments Are Lost?" 9:07 - How To Claim Reimbursements From Amazon and Make Money 11:55 - GETIDA: Pricing, ROI and Return of Frustration 18:12 - Mike's Latest Inventory Issue 20:16 - "What Else Can You Get Reimbursed For?" 25:08 - Why Reimbursement Services Are Worth It 26:31 - Where did GETIDA's name come from?   If anything, I'd like for you to walk away with the fact that having a reimbursement service is no longer optional, and that you're leaving money on the table if not. If you're interested in GETIDA, check out our affiliate link here!    Don't forget to leave us a review on iTunes if you enjoy our content. If you have any questions, send us an email at support@ecomcrew.com. We'd love to help you in any way we can.    Thanks for listening!  

The Fed can raise interest rates, but they cannot create housing supply.  Housing intelligence analyst Rick Sharga joins us for the second week in a row. This housing market is awful for primary residence homebuyers. But at GRE Marketplace, you can still buy income properties with rates as low as 4.75%. Rick tells us that the most prosperous markets now favor the: Midwest and Southeast, single-family homes, rental property investors with buy-and-hold strategies. National home prices are appreciating modestly. Home sales volume is still down. Investors now account for more than one-quarter of property purchases. Mortgage delinquencies are near an all-time low. Rick and I discuss why this market is so bad for flippers.  High homeowner equity positions ($300K+) support this housing market.  Timestamps: The impact of rising mortgage rates [00:02:37] Discussion on how the Federal Reserve's raising of short-term rates has caused mortgage rates to go up, affecting the housing market. The affordability challenge [00:03:38] Exploration of the impact of higher mortgage rates on homebuyers, particularly first-time buyers, and the decrease in affordability. Low supply of homes [00:08:48] Analysis of the low inventory of homes for sale, with a decrease of 9% from the previous year and 47% from 2019, leading to a challenging market. The mortgage rate lock in effect [00:11:05] Discussion on how the mortgage rate lock in effect can crimp demand but cannot create supply. Hottest markets in the Midwest and Southeast [00:11:05] Analysis of the hottest real estate markets in the Midwest and Southeast regions of the United States. Positive turn in home price appreciation [00:13:06] Explanation of how home price appreciation went down but has recently turned positive again. Housing Permits, Starts, and Construction [00:21:24] Discussion on the trends and levels of housing permits, starts, and construction, and the need for builders to increase production. Investor Activity in the Residential Market [00:22:28] Exploration of the percentage of home purchases made by investors, with a focus on small and medium-sized investors and the misconception of institutional investors dominating the market. Delinquencies and Foreclosures [00:24:36] Analysis of mortgage delinquency rates, foreclosure activity, and homeowner equity, highlighting the low delinquency rates, the presence of equity in foreclosed homes, and the importance of early-stage foreclosure sales. The future direction of rents [00:32:00] Discussion on the potential upward pressure on rents due to low affordability and high homeownership rate. Inventory coming to the market [00:33:03] Exploration of the impact of expensive inventory coming to the market and its effect on rent prices. The overall economy and housing market [00:34:03] Consideration of the possibility of a recession, unemployment spike, and foreclosures affecting the housing market. The coach's role in finding real estate deals [00:43:06] Explanation of how an investment coach can help you find the best real estate deals in the marketplace. Advantages of buying properties from marketplace [00:44:20] Reasons why buying properties from marketplace can lead to good deals, including lower prices and absence of emotional seller involvement. Resources mentioned: Show Notes: www.GetRichEducation.com/467 Rick Sharga's website: CJPatrick.com Rick Sharga on X (Twitter): @RickSharga 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”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Hold a terrific discussion today on the direction of the housing market, including lessons that you can learn for all time plummeting home sales volume and direly low home inventory. Why home price appreciation is taking place now. Could the government soon penalize you for owning too many rental properties? What's the best place for a real estate investor to position themselves in this era? And more today on Get Rich Education.   (00:00:33) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   (00:00:56) - Walking from Horseheads, New York to Nags Head, North Carolina, and across 188 nations worldwide. I'm Keith Weinhold. And you're listening. To get rich education, you are going to get a fantastic market update today. And along the way, you'll also learn lessons if you're consuming this 5 or 10 years from now. Our expert guest was with us last week to discuss the economy. This week, it's episode two of two as we discuss the real estate market.   (00:01:25) - He has been the executive VP of markets at some of America's leading housing intelligence firms, and today he's the founder and CEO of Patrick Company, either a market intelligence firm for the real estate and mortgage markets. And he has 20 plus years of experience in those industries. It's the return of Rick Saga Part two of two. It's not imperative that you listen to last week's Part one of two that we can help you see the big picture. Enjoy this long, unbroken interview and then after the break, I'll come back to close it. Just you and I. We're talking with Rick Sagar, expert housing analyst, previously. We talked about the general condition of the economy. And now Rick and I are going to break down the housing market with what's happening there. There's so definitively connected. Keith One of the things to that the Federal Reserve has done by raising those short term rates is caused mortgage rates to go up, right? Mortgage rates tend to run loosely in line with the yields on the ten year US Treasury bonds that we talked about at the end of the first segment.   (00:02:37) - Those are now up around 4%. And typically a 30 year fixed rate mortgage will be between one and a half and two percentage points higher than that yield. So in a normal market, we'd be looking at a mortgage rate today of about five and a half to 6%. Instead because of the risk and the volatility that the market is pricing in because they're not sure what the Federal Reserve is going to do next. We're looking at mortgage rates for a 30 year fixed rate loan of over 7%. The most recent numbers from last week from Freddie Mac, we were at almost 7.2% on that average, 30 year fixed rate loan and 6.5% on a 15 year fixed rate loan. You and I were talking before the show and and you know, historically speaking, if we keep these things in context, we're still actually below the 25 year average, which was 8%. But we have a whole generation of homebuyers who've come of age during the period of the lowest mortgage rates in the history of the country. They got spoiled, they got spoiled.   (00:03:38) - And to be clear, it's one of the reasons that home prices rose as rapidly as they did and got as high as they are is because you could afford to make monthly payments with a two and a half, three, 3.5% mortgage. Now, you still have home prices about as high as they were then, and you have a mortgage rate that's doubled. And for most home buyers, particularly first time home buyers that make your monthly mortgage payment was going to go up by 45 to 60%. And most of us didn't get that 45 to 60% raise last year. It really had a huge impact on affordability. In fact, this is such an unusual occurrence that according to Freddie Mac, it's the only time in US history when mortgage rates doubled during a calendar year and they didn't just double in a calendar year. Keith They doubled in the space in a few months. It was that kind of systemic shock to the system that really hit the housing market as hard as it did. Right. And they've also nearly tripled in a pretty short period of time.   (00:04:35) - Yeah, they really have. And again, going back historically speaking and and get this from Gen Z folks and millennials, when I talk about, you know, the old days of mortgage and I do remember my first mortgage had two numbers to the left of the decimal point. I forget if it was 11 or 12%, but it was something like that. And they basically say, okay, Boomer, but that 11% mortgage was on your $70,000 house, Right. And not, you know, today's median priced home of $430,000 or whatever it is. So it's a fair point. Mortgage rates are not high, historically speaking, but that monthly cost, because of the combination of home prices and higher interest rates, is choking some people and making affordability a problem. And because of that, one of the forward looking metrics that I take a look at is the purchase loan mortgage application index from the Mortgage Bankers Association. So this is the number of people that are applying for loans with the purpose of buying a house.   (00:05:35) - They're off almost 30% on a year over year basis right now. You can see without straining your eyes at all the impact that these higher mortgage rates are having on the housing market. And we had almost record numbers of purchase loan applications from the time people who are allowed out of their house during the pandemic until these mortgage rates doubled from 2020 through the early part of 2022, mortgage rates were in the threes and fours and sometimes even in the twos. Yeah, everyone wants to talk about mortgage rates and it is an important discussion to have here at Marketplace with our investment coaches. Rick Some builders, as you know, they commonly offer rate buy down incentives to buyers of new homes. And what some of our providers are doing here, Rick, is we have one builder where if you use their preferred lender, they're buying down your income property's mortgage rate to 5.75%. And we have another builder where if you use their preferred lender, they're still buying down your mortgage rate to 4.75%. And of course, with Non-owner occupied property here, you know, previously you had talked about mortgage rates in excess of seven.   (00:06:47) - They might normally be about 8% for non owner occupied property, but you're able to buy them down to five and three quarters or even four and three quarters with one of our providers for new builds right now, that's a great deal and your listener should really be taking advantage of those opportunities. We'll get into new homes in a few minutes and what we're seeing builders do for consumers, But have to tell you, those numbers are better deals than consumers are getting right now. And you're being generous when you're talking about private lending rates right now. Most of the lenders I'm familiar with are nine, ten, 11%, depending on the nature of your investment. So your folks are getting a great deal with those rates. We talked about purchase loan applications. The other advanced predictor I look at is pending home sales. These are people that are entering into contracts. The deal hasn't been closed yet. Has it been recorded yet? This comes out from the National Association of Realtors. And those numbers are down on a year over year basis as well.   (00:07:42) - There's a lot of rate sensitivity in the market, though, Keith. And if you go back to March when rates went down just a fraction of a percent, we saw more purchase loan applications. We saw more pending home sales. But as rates have climbed back up over seven, we've seen both of these metrics go down. Yeah. So we're talking about pending home sales. We're talking about sales volume that's down in this discussion, not sales price. And anyone might be hard to say, but when you see sales volume that's down, including pending sales, how often is that due to worse affordability and how often is that due to low supply of homes? Why don't we jump right into that? Keith That's a great segue. And this is a very difficult time in the housing market because it has both of the factors that you just mentioned, two very difficult headwinds for the market to try and overcome. And and we'll get into details on both of those in just a minute. Because of that, existing home sales were down in July and they were down pretty significantly on a year over year basis, about 16%.   (00:08:48) - And that's the 23rd consecutive month where existing home sales were lower than they were the prior year. January was the lowest month of sales this month, and it broke a streak we started this year. I was forecasting that we'd see between 4.3 and 4.4 existing home sales. That's down from about 5.2 last year in about 6.1 million the year before. Right now, we're trending at a little over 4 million existing home sales for the year. So even my relatively low forecast for the year may have been overly optimistic. You mentioned inventory and inventory is a huge headwind for the market. Inventory of homes for sale today is down about 9% from where it was a year ago. It's down 47% from where we were in 2019, which was probably the last normal year we've had in the housing market. In a normal year, we would be looking at about a six month supply of homes available for sale. That's what economists or housing market analysts will look at as a balanced market balance between supply and demand. We're at about two and a half months supply right now nationally and in many states it's much lower than that.   (00:09:56) - So there's just not much out here. And the only reason the inventory number looks as good as it looks and it doesn't look very good is because it's taking a little longer to sell properties once they hit the market. If you were looking at new listing data, it's even worse. There's very little inventory coming to market in the way of new listings, and that's because of the rate increases we talked about a minute ago. 90% of borrowers with a mortgage have an interest rate on that mortgage of 6% or less. 70% have an interest rate of 4% or less. If you're sitting on a mortgage rate of 3.5% and you sell your house and buy a house at the same exact price with a 7% mortgage, you've just doubled your monthly mortgage payment. It's not that people psychologically don't want to trade a low rate for a high rate. There's a financial penalty for them doing so. And until we see mortgage rates come down a bit, probably into the fives, we're just not going to see a lot of inventory coming to market except for homeowners who need to sell or have so much equity and maybe you're going to downsize into a smaller property that they don't care about that kind of shift.   (00:11:05) - Yeah, that is the mortgage rate lock in effect. Perfectly explain. And the Fed with the raising rates, they can crimp demand. But one thing that the Fed cannot do is create supply. As much as you might like to see Jerome Powell in work boots with a nail gun, that just doesn't happen. There's an image for you, for your listeners. Yeah, and I'm not sure I'd want to. I'd want to live in that house. That's not Chairman Powell building, but inspection. Yeah. Good economist. Maybe not a carpenter. We were talking about this a little bit earlier, too. And if you're an investor, this is probably worth noting, whether you're a fix and flip investor or investor who's buying properties to rent out a lot of the interest. This is from the sharing some data from Realtor.com and they've taken a look at where people are searching for properties and where transactions are taking place and they're finding that Midwest Southeast are really the hottest markets, places that are a little off the beaten path, you know, places in New Hampshire and Connecticut and Maine and Ohio and Wisconsin.   (00:12:06) - But interestingly, some of the markets that had been suffering a little bit, they're starting to see a little more interest in whether it's California, but off the coast or markets in Colorado or Washington state. But clearly, a lot of the activity, a lot of the money is moving into the Midwest, in southeast. That's right. With the work from anywhere trend, you might see this small flattening and not as much of a disparity in home prices between markets. You're certainly still going to see that, but that can just help create a mild flattening when it doesn't matter where you live anymore and you can go ahead and purchase in lower cost markets. Yeah, and what I'm sharing now is national home prices, home price. And I'm glad you mentioned what you just did, Keith, because the fact of the matter is this has been a very localized correction. And if you're in San Francisco or San Jose, if you're in Seattle, if you're in Austin, if you're in Phoenix, you're in markets where prices are off 10% or more from peak.   (00:13:06) - If you're in Boise, Idaho, you're off more than 10% from peak of Boise had oil prices go up by 47% in a single year, a year or so ago. So he just overshot the mark. One of the reasons the national numbers don't show more volatility is because of what Keith just mentioned. It's because people are trading in where they are in a high price, high tax state moving into a lower price state and candidly outbidding local buyers and probably overpaying a little bit for those properties. So you're seeing home prices go up in some of those less expensive markets much more rapidly than they would under normal circumstances. And what we're talking about here is national home prices that are appreciating at a modest rate now. Yeah, and they are. So if you look at whether you're looking at the Case-Shiller index, it gets published monthly or the National Association of Realtors data. We saw home price appreciation start to go down last year. It was still positive but going down and that was true until pretty much the end of the first quarter this year when the data went negative for the first time in years.   (00:14:15) - So we were seeing on both a month over month and year over year basis home prices go down and that happened until June, June, things flatlined in July. Prices actually went up ah, year over year. So if you're looking at the median home price compared to the peak price a year ago, it's actually up about 1% from where we were last year, which is kind of amazing. The Case-Shiller index is a little bit of a lagging indicator and it rolls three months together, but it also started to turn the corner with its July report. So after almost a full year of price appreciation coming down and prices in decline, we've seen both of these indexes turn and are starting to go positive. It does show you that there continues to be demand for properties that are brought to market. And while home price appreciation certainly isn't soaring by any means, it's back in positive territory now. And that's something that a lot of people hadn't predicted this year. When the supply of homes is this low, it keeps generating a few bids for any available home.   (00:15:21) - Now, not as many bids as it did back in 2021. But besides generating bids, you have these huge population cohorts of millennials and Gen Zers that are growing, and they're in their prime homebuyer years moving through the system to go ahead and place those bids and keep just modest home price appreciation here lately. That's sort of how I see it. Rick If you want to add any color or thoughts to that, I think you're spot on. Keith It's the largest cohort of young adults between the ages of 25 and 34 in US history. That's prime age for forming a household. 33 to 34 is the average age of a first time buyer right now. And so these people would like to buy a house. And for people who are investing in single family rental properties in particular, at least short term, the affordability issue is something that definitely works in your favor. If somebody was looking to buy a house, they might prefer to rent a house rather than rent an apartment. I've read research that shows somewhere between 20 and 30% of people who had planned to buy have decided to rent for the next year or two while market conditions settle down or while they can put aside more money for a down payment.   (00:16:27) - These market conditions are playing in favor of people who have rental properties to offer. One other metric I'd like to share in terms of home prices, Keith is the FHFa puts out its own index. FHFa is the government entity that controls Fannie Mae and Freddie Mac. So these are your conventional bread and butter, vanilla kind of 30 year fixed rate loans. If you look at their portfolio, home prices are actually up 3.1% year over year. And every sector of the country is showing positive rice appreciation except for the Pacific states and the mountain states. And those are some of the markets we talked about earlier. And even those are very close to breaking even at this point. So HFA breaks it into about ten regions, nine of those ten currently appreciating year over year. Yep, something like that important for you to know again as an investor as to what's happening in your region. Again, whether you're you're planning to sell the property or rent it out. You talked about what builders are doing for your investor folks.   (00:17:28) - Yeah, we're seeing new home sales actually improving to consumers as well for a lot of the same reasons, incentives. So a lot of builders are coming to the closing table with cash. They're paying points on mortgages and getting those rates down where they're short term or long term. They're offering discounts, they're offering upgrades to properties. And so new home sales are still down, but just slightly on a year over year basis and have actually been beating last year's numbers for the last four months. My original estimate for new home sales this year was about 600,000. I think we're going to probably coming closer to 675,000 this year. And the only reason we won't sell more is because the builders aren't building that fast enough. But one of the reasons people are buying these new homes is because that's what's on the market today. People would have bought an existing home, can't find one. Here's the other factor. New home prices are down 16.4% from last year's peak. Now, this is informative. Think this would surprise a lot of people? Well, it surprises me.   (00:18:28) - It should surprise people because new home prices almost always go up, right? This does not mean builders are discounting homes 16.4%. What's happening is they are building less expensive homes, They're less expensive per square foot, and they're building smaller homes. And they're doing that in acknowledgement of the higher cost of financing. That also, by the way, is in sending people to look at these properties as either a starter home or a minor move up kind of property. But it is one of the reasons why new home sales are doing better than existing home sales right now on a percentage basis. That's an interesting number, Rick. A few weeks ago, I shared with our newsletter audience that builders are building homes smaller and closer together, which might be reflected in lower prices, but just didn't think it would be 16.4% lower from peak. Now, if you're doing year over year, it's probably not that big of a drop, but from the peak price we are off. And it is to your point, it's a pretty significant number.   (00:19:26) - It would be a problematic number if it was the existing home market, right, because then you'd be looking at the same property being worth 16% less. But a builder can kind of play with those numbers a little bit. Single family housing starts after falling for quite a while, are now back going back up only slightly from where they were a year ago, but they are moving in the right direction. Multifamily starts have actually tailed off a little bit after reaching record high numbers. There could be as many as a million apartment units coming to market this year. Yeah, which would be an all time record. So we've seen building on those multifamily units slow down a little bit. If you look at at new home starts for single family properties still below where they were a year ago. But again, for the first time in quite a few months, starting to trend up. A couple of things to share with your viewers here, Keith. In terms of construction, we're seeing construction continue to grow in the multifamily market because of all the starts we saw previously.   (00:20:23) - We are seeing single family construction slowed down, but that's because the builders are working their way through a glut of homes that was under construction. So we had a really weird happenstance about a year ago, a little over year, we had the highest number of homes under construction ever. And this data goes back to the early 1970s, and we had the lowest number of completed properties available for sale ever. And a lot of that was due to supply chain delays and to labor shortages. And over the last year to 15 months, the builders have gradually begun working through this glut of homes that were started but not finished. And we've seen the number of completed homes go up a little bit, almost back to normal levels, not quite there. One of the reasons they're not quite there is people are buying these homes before they're completed. They're working with the builder. Buying a home is it's almost ready to go, but still under construction. What's been encouraging, looking into the future is that permitting has increased a bit over the last two quarters.   (00:21:24) - We know builders are betting on the future. They're not necessarily breaking ground on all these properties they have permits for because they don't want to oversaturate either. And they're being very judicious with their building because they got caught with a ton of inventory during the Great Recession that they wound up selling at fire sale prices. But the trends are long term, looking like they're going in the right direction right now for new homes. So to help the viewer and listeners chronologically, we're talking about housing permits followed by housing starts. And then finally, housing construction. Right? Permits are up, starts are up recently, but down year over year. And the construction numbers are getting back close to normal levels. And we need the builders to build more because even before the rate lock effect took effect and existing home inventory got so scarce we didn't have enough housing in the works, we were depending on whose numbers you believe, somewhere between 2 and 6 million units short. We need the builders to come back to market. Note for your folks.   (00:22:28) - Keith Investors continue to account for a fairly significant amount of activity in the residential market. Over a quarter of home purchases 26% in June, which is the most recent data we have, were made by investors and believe this number actually under reports the number of investor purchases because it's from a company called CoreLogic, it's accurate data for what they count, but they only count investor purchases where the buying entity has an LLC and LP Corp kind of entity. And we know that a lot of buyers don't do that who are investors. So it probably understates it. But the fact of the matter is that historically speaking, 26% of residential purchases being done by investors is pretty high number. That's a pretty high number and as you alluded to, is probably actually higher than 26% of home purchases being made by investors. And so the headlines will breathlessly tell you that Main Street is being gobbled up by Wall Street. Oh, I know. And those institutional investors are evil people. They're buying everything that the truth is is completely the opposite.   (00:23:31) - If you look at investors who are buying properties, it's really the small investors who are buying about 46% of those investor purchases and medium sized investors about 35%. If you're looking at the biggest of the big investors, they're buying less than 10% of what's going out today. And they still own collectively about 3% of the single family rental stock. It's the mom and pop investor who continues to drive the market. Yeah, I'm glad you bring this up, Rick, because there seems to be this outsized perception that institutional money through someone like, say, in Invitation homes is just gobbling up all the good investor homes. And and they're really not. It's mom and pop investors that rule. In fact, there's some legislation pending in D.C. right now that's aimed to keep these institutional investors from doing what they're already not doing and have some tax penalties for anybody who owns. Here's the number that's important. More than 50 properties well, Invitation Homes owns significantly more than 50 properties. I know a lot of medium sized investors who own more than 50 properties.   (00:24:36) - Yeah, they're certainly not institutional investors. They certainly don't have a hedge fund behind them. Important again, for folks in this market to be in touch with their legislators and let them know what's really going on in the marketplace so we don't get this kind of bad legislation. It makes it tough for the average investor to really take full advantage of the opportunities that are out there. 100%. Mom and pop investors might need more than 50 units to obtain financial freedom. Yep. Just to wrap up, Keith, a couple of points on delinquencies and foreclosures. I know a lot of investors got into the business, you know, a decade or so ago and there was just a rash of foreclosure activity and you could buy a distressed property by just walking down the street and knocking on doors. It's a little different these days because of that strong economy we talked about earlier. In that low unemployment rate. Mortgage delinquencies are at an all time low. Mortgage Bankers Association reported that the midpoint of this year, at the end of the second quarter, the total delinquency rate was 3.37%.   (00:25:36) - To put that in context, historically the number is somewhere between 4 and 5%. So not only are we not seeing a lot of delinquencies, we're seeing less than we would see normally as seriously delinquent loans. The ones that are 90 days plus past due is as low as we've seen it in probably the last 6 or 7 years. That's really interesting. So not very many homeowners are in trouble with making their payments, which to some people might seem like a conflict with what we described back in the earlier part of the chat about low savings and higher credit card debt. So many of these homeowners are locked in to these really low payments where they got low mortgage interest rates. Plus inflation cannot touch those fixed rate payments. And that's an important point for those people that are in these homes. It would be more expensive for them to go rent right now, probably because they got such a good deal on the mortgage rate. There's usually a pretty strong correlation between unemployment rates and mortgage delinquency rates. So I mentioned that the most recent report had unemployment at 3.8%.   (00:26:37) - I think at the end of June it was a 3.5%. So we might see delinquency rates tick up a little bit. There was also some really bad social media memeing going on during the government's mortgage forbearance program. There was even an economist who predicted that almost everybody who got a forbearance was going to go into default and that would have been a catastrophe. If you look back a little over a year ago, actually more like two years ago when there was there were a lot of people in forbearance. You saw delinquency rates very high, but that was because people were allowed to miss payments. They were just being counted by the industry as delinquent. The fact is that less than a half of a percent, less than one half of 1% of the borrowers who were in forbearance and there were 8.5 million of them have defaulted on their loans. The overwhelming majority have done very, very well with that program. So it really didn't contribute to any kind of delinquency or default activity. So strong economy, extremely high, low quality because lenders really haven't been making many risky loans since the Great Recession.   (00:27:40) - The record amount of of homeowner equity that's out there. Yeah. Is keeping this market pretty solid to the point where foreclosure activity today is still running at a little bit less than 60% of pre-pandemic levels. So in a normal market, about 1 to 1.5% of loans are in some state of foreclosure. In today's market, it's about a half a percent. So we're just not seeing much go into foreclosure and the properties that go into foreclosure. The homeowners have a significant amount of equity. 92% of borrowers in foreclosure have equity in their homes, which is wildly different from where we were during the great financial crisis, when a third of all homeowners were underwater on their loans. At just about everybody in foreclosure was upside down. And people push back at me when I'm out talking at conferences about this. Keith Oh, yeah, they have equity, but they don't have enough equity to make a difference. Oh, yes, they do. 88% of the borrowers in foreclosure have more than 20% equity. That's typically the magic number that a realtor will tell you you need in order to sell your property and avoid any other kind of complications with one of these foreclosures, preventing any sort of fire sale and lowering of prices that makes all home prices go down in a neighborhood where not anywhere near that.   (00:28:57) - No, not at all. And in fact, some other data that I'll share with you and your listeners is that about 62% of the distressed property sales we see right now are properties in the early stage of foreclosure prior to the foreclosure auction, which means these distressed homeowners are protecting their equity by selling the property before it gets sold at a foreclosure sale. And so they're protecting the vast amount of this equity. But if you're an investor in today's market, there's some really important information in what I just gave you. You can't wait for the bank repossession. In this cycle, bank repossessions are running 70% below where they were prior to the pandemic, so there's fewer properties getting to auction because 67% of these distressed property sales are prior to the auction. Properties that get to auction are selling through at about 60% rate. So there's nothing going back to the lenders. So if you want to buy a property in some stage of foreclosure, your best bet in today's market is to get a list of people in the early stages of foreclosure and reach out directly to them.   (00:30:01) - Your second best bet is to get to that foreclosure auction. Be ready to move at the auction, and your worst bet is to wait for the lender to repossess the property. And in fact, I've seen anecdotal data that suggests that those properties are actually more expensive than the ones you could buy from the homeowner or at the auction because the lenders are fixing them up and selling them at full market price. Good guidance for those chasing distressed properties. So that's what's going on in the foreclosure market. I don't see foreclosure activity being back to normal levels until sometime next year. And I don't see activity bank repossessions being back to normal levels even next year. It's a very different marketplace. This is what I was just talking about. Keith If you were to break up what selling and what stage of the foreclosure process right now, about 64% of distressed sales are taking place prior to the foreclosure auction and less than 20%. Distressed sales today are those background properties. So it's a very different world than what a lot of investors grew up in.   (00:31:03) - Rick is about to share his summary with us, his closing thoughts. Before he does that, I've got two questions for you, Rick. I hear some people out there, it seems to be oftentimes the real estate agent type, maybe that's trying to be a big cheerleader for the market. And I hear a few of them say something like, hey, you know what? You better buy now, because when mortgage rates fall, home prices are really going to shoot through the roof. I don't really know that that necessarily happens because when mortgage rates fall, okay, that might increase demand of capable homebuyers, but it should also increase supply. Now, the mortgage rate lock in effect, goes away and more people will want to bring supply onto the market. And I also like to think about what happens when rates are falling. Typically, that means the economy needs help and unemployment might be a little higher. So my thoughts, Rick, are if mortgage rates do fall substantially, that might help home price appreciation a little bit, but I don't see it as any sure thing that that would make home prices go through the roof.   (00:32:00) - What are your thoughts? It's a great question. You make a very logical argument. A lot of it comes down to supply. And that's where I would hedge my bets. I don't think we see a ton of supply come back to market until rates are back in the low fives. So there's a point and a half of interest going from little over seven to maybe 5.5%, where we're probably going to see more buyers come to market than we're going to see inventory come to the market. My other thought we touched on it earlier is with rents. Talk to me about the future direction of rents. They were horribly hot a year or two ago, up 15% year over year. Rents have moderated substantially. But with this really lousy home affordability and a high homeownership rate, it seems like with this low affordability, we're set up for the homeownership rate to go lower in the proportion that rent go higher, which could put upward pressure on rents over time here. What are your thoughts with rents? Yeah, offsetting what you just said is a record number of apartment units coming to market this year.   (00:33:03) - There are likely to be some markets across the country that wind up oversupplied because of the amount of inventory coming to market. Now, don't get me wrong, the inventory coming to market is going to tend to be expensive inventory. And so that in and of itself could make rent prices come up a bit. I do believe in the short term I would tend to agree with you that the lack of housing stock available for people who would like to buy is going to play in the benefit of the folks who own properties to rent. And that will, I believe, be particularly true for people that own single family residential units that are like houses to rent. I guess we're going to split the difference on these two questions. I'm going to mostly agree with you on the second one. I do believe there's a chance prices will go up a little bit more than you think as mortgage rates come down until we get down to about 5.5%, mortgage rates are lower when we see more of that inventory coming to market. And what is the real wild card in all of this, of course, is what happens with the overall economy.   (00:34:03) - Do we enter a recession? Does unemployment spike? If that's the case, that should weaken, demand a bit and you could have a little bit of an uptick in foreclosures, which will weaken the market as well. So a lot of different components at play. And I think what people ask you questions like that, Keith, about, you know, mortgage rates come down, is this going to happen? They kind of oversimplify the equation quite a bit. There are a lot of other variables that go into it. 100%. Why don't you go ahead and share your closing thoughts with us? A lot of stuff we covered, so I won't dwell on too much of this very long. But from my perspective, a recession is still a real possibility. Probably not until next year if we have one. And if we do, it's likely to be pretty mild and fairly short and we shouldn't see a huge, huge spike in unemployment. I do believe that as the Fed decides it's done raising the Fed funds rate and announces that we'll see mortgage rates gradually decline back toward 6% by the end of this year.   (00:34:57) - And we'll be back in the fives next year. And by the way, historically, every time the Fed has stopped raising the Fed funds rate, we have seen mortgage rates come back down. Existing home sales right now are on pace for their lowest number since 2009. Likely, we're going to see somewhere in the neighborhood of 4.2 million existing home sales. But we're likely to see more new home sales than a lot of people had forecast beginning of this year, maybe 650, 675,000 of those sales in 2023. And we've seen prices decline in the new home market, but they might have bottomed out in the existing home market because of the supply and demand thing that Keith and I have kind of beaten to death during this podcast. Again, importantly for this audience, investors continue to account for a very large percentage of residential purchases and a lot of you seem to be shifting toward buy and hold strategies, which again makes ultimately good sense in a market like today's. And then that anticipated wave of foreclosures that all those folks on YouTube were trying to sell you courses to figure out how to maximize never materialized.   (00:35:57) - And at least during this cycle, not likely to any time soon. Probably won't. Yes, A lot of people a couple of years ago, especially on YouTube, were talking about a certain price collapse is coming and it never happened. And I never saw how it would have happened and I never made those sort of dire predictions. Well, Rick, this was a great chat about the overall economy, the housing market and what investors need with the housing market. I'm sure our audience learned an awful lot. It was a terrific update. If our audience wants to learn more about you and kind of wish this chat would just go on and they could learn more about you and engage with your resources. What's the best way for them to do that? Well, you can certainly follow me on social media. I refuse to say my Twitter handle is just Rick Saga. I'm on LinkedIn to hard to find there. You can also check out my website which is Patrick. Com. Enjoy doing these conversations with you Keith.   (00:36:51) - Think the first time we talked you reached out because I had come down like the wrath of God on somebody who was predicting a housing price crash because I didn't see one coming either and thought he was doing investors a disservice. So keep the faith and keep the good fight going. Keith And I'll be here whenever you want to talk. Jerry Listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. Com. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with freedom family investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%.   (00:38:00) - Their minimums are as low as 25. K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, eight six, six. Hi, this is Russell Gray, co-host of the Real Estate Guy's radio show. And you're listening to Get Rich Education with Keith Reinhold. Don't Quit Your Day dream. Yeah, terrific insight from Rick, as usual. It's remarkable how much this interview is aligned with what we're doing here. As Rick discussed how, though, it's a tough environment for homebuyers, it's better for investors, especially for single family rentals and especially in the Midwest and South are core areas.   (00:39:23) - It's a better market for the buy and hold investor than it is for flippers. It's a tough chase for flippers. Sometimes you don't flip the house, the house flips you. There are still so few homeowners in delinquency and foreclosure. Rick believes that when lower mortgage rates come, home, prices could appreciate more than I tend to think. We'll see how that turns out. And, you know, historically here, as we talk about the direction of home prices and the direction of rent growth Now with respect to home prices, when I provided you with the home price appreciation forecast, I keep somewhat undershooting. The market appreciation tends to outperform what I think by just a bit. Back in 2018, 2019, home price appreciation rates, they were just kind of bumping along at 4 or 5%. Back then, interest rates were super low, housing supply was more balanced. And I said right here on this show then about five years ago, that I don't see what will make home price growth like really accelerate or shoot up from here.   (00:40:32) - Well, then we had the pandemic, something that no one saw coming when the pandemic fog cleared. You remember that all here on the show in late 2021, I forecast 9 to 10% home price appreciation for the coming year, which back then I was talking about 2022. And then that appreciation rate for 2022 came in at 10.2%. Although I was close, I shot just a touch low. Now at the end of 2022, well, about nine months ago, I predicted zero home price appreciation for this year. As we near the fourth quarter, it looks like we'll get low single digit appreciation, but that remains to be seen. However, I've long been undershooting the market just a bit, though. Close and mortgage rates. No, don't even ask me. I don't try I don't make mortgage forecast. That is too hard to do. Making a mortgage rate prediction is almost like a certain way to be wrong. Although Rick and I talked about how this is a good market for investors, to my point from last week, in some markets, cash flow has become an endangered species with some of these increasing expenses for investors.   (00:41:46) - And again, I have some really good news for you here. We have largely solved that problem here at Gray of higher mortgage rates, hurting your cash flow. And that's why investors like you are still snapping up rental properties from Marketplace right now because of the strength of our marketplace network and relationships. Here we have a new build provider offering a mortgage rate to investors of 5.75%. Yes, they will see that your rate is bought down to 5.75%. In today's environment, another new build investment property provider is offering a rate buy down to 4.75%. Yes, you heard THAtrillionIGHT? And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. There is more to it than that. And these builders, though they are in business to move property. So take advantage of it where you can. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year. In addition to buying down the rate. I don't know how long all that's going to last, so this can be a really good time for you to contact your in investment coach.   (00:43:06) - Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Today, your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out. And marketplace properties they are often less expensive than elsewhere in addition to the low rates from some of the providers. But now you might wonder why often are the prices not always, but often, why are they lower? Well, first of all, investor advantage markets just intrinsically have lower prices than the national median. And secondly, there is no real estate agent to compensate with the traditional 6% commission, you are buying more directly. Thirdly, these property providers, they are not. And pop flippers that provide investors like you and other people where they just flip like one home a year instead. These are builders and renovation and management companies in business to do this at scale so they get to buy their materials in bulk, keeping the price lower for you.   (00:44:20) - And another reason that you tend to find good deals at Marketplace is that you aren't buying properties from owner occupants where their emotions get involved and they get irrational over there on the seller side. So you can go ahead and get started with off market deals at GRI, marketplace.com. If you'd like the free coaching from our investment coaches, then contact your coach. And if you don't have one yet again you can do that straight at GRI marketplace.com/coach that's an action item for you this week that your future self should thank you for until next week. I'm your host Keith Winfield. Don't quit your day dream.   (00:45:04) - 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.   (00:45:32) - The preceding program was brought to you by your home for wealth building get rich education.

Sep 18, 2023 – Mortgage expert Sarah Lindsey explains how we've seen a 60% appreciation in home prices over the past two years and even with mortgage rates now well into the 7% range for 30-year fixed, there's just not enough inventory...

One of the most stressful things as a business owner (especially entering Black Friday season) are the questions surrounding inventory."Will I have enough?""Can I sell what I have?""What should I buy?"In this podcast episode, Ciara Stockeland, author of the book "Inventory Genius", tackles these questions head on and gives us the confidence to answer them ourselves. Ciara dives deep into the importance of focusing on the right things in your business, and with this focus you'll finally be able to find the peace and profitability you've been looking for in your business.You're not going to want to miss this business-changing episode....00:00 Intro02:39 How Ciara Got Started05:11 Ciara's Origin09:04 The Inventory Genius12:00 What To Do With Bad Inventory15:23 How These Principles Can Relate To Advertising17:57 The 4 Letter Word No One Talks About.... Debt.21:07 What Happens If Your Business Gets "Fat"24:52 A Tangible Debt Example27:43 Inventory Forecasting Frameworks for Q431:08 Closing/Outro ► Click Here For Our Advantage+ Shopping Training► Follow Josh on social media: YouTube | Instagram | Facebook | TikTok | Enjoying The Ecommerce Alley Podcast?Click here to join our free Facebook group to get additional resources & access to weekly LIVE workshops that will help grow your revenue.

Jason and Will Denis of the Flippin' SoFlo podcast discuss various aspects of the current real estate market and the impact of interest rates and inflation. They emphasize the importance of looking at data rather than getting caught up in fear-based news and offer insights into why the real estate market remains strong despite economic challenges. They mention that low-interest rates have led to affordable mortgage payments for many homeowners, making it unlikely for a real estate crash to occur without distressed sellers in mass quantities. Additionally, they discuss inventory levels and how they affect the housing market, emphasizing the resilience of real estate as an asset class. They talk about potential returns on investment in income properties, with projected returns ranging from 20% to 30%. Jason emphasizes that income property is a historically proven asset class with multi-dimensional earning potential. #RealEstate #HousingMarket #InterestRates #Inflation #Investment #IncomeProperties #Returns Key Takeaways: 1:22 It's all about inflation: Data not drama 3:41 News versus noise 4:33 Inventory levels and the sink metaphor 12:24 Wanted for an RE crash: distressed sellers 14:02 Credit scores and what it means to the housing market 16:01 Population and immigration: Demographics is destiny 18:18 Massive housing construction 23:31 The ‘Perma bull' of the housing market 26:15 Jason's crystal ball 32:04 Minimize exposure to ‘fear porn'   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  

Time Stamps:(1:07) - Introduction to Mbiyimoh and the founding of Tradeblock(8:32) - How trades work on Tradeblock - combining cash, shoes, and personal preferences(11:15) - Using Tradeblock as a way for collectors to better express their sneaker passions(18:37) - What's next for Tradeblock?(22:38) - What are Mbiyimoh's personal grail sneakers?(26:51) - What's changing in the sneaker market today?(33:51) - Culture driven commerce(36:40) - Closing thoughts from Mbiyimoh and where to find TradeblockFind Mbiyimoh and Tradeblock:On their website = https://www.tradeblock.us/On YouTube = https://www.youtube.com/c/TradeblockOn Twitter = https://twitter.com/tradeblock_usFind Neustreet:On our website = https://neustreet.com/On Twitter = https://twitter.com/realneustreetOn Instagram = https://www.instagram.com/realneustreetOn TikTok = https://www.tiktok.com/@neustreet

If you're in the sponsorship industry, you've been there. The season is fast approaching and you have that outfield sign unsold.So what's the game plan to get value from it?This week, we dive into a game plan on how to manage your unsold inventory to come out on top before the season starts.--The Inches Podcast is a podcast that looks at sports & event sponsorship and how digital is affecting the industry and landscape. Hosted by Rich Franklin, Sr. Director of Partnerships at the Coachella Valley Firebirds and Nick Lawson, Co-founder of SQWAD.

Real estate investors in today's market are finding it difficult to buy properties the traditional way. One of the main difficulties they lament is “low inventory.” But is inventory really low? And is “low inventory” even an issue that should affect them? In this episode, Jeff reframes what inventory is, explains why there's not really low inventory at all and why higher inventory isn't necessarily better.  Most importantly, Jeff explains how you can continue to grow your portfolio regardless of what the inventory statistics say.  Learn the art of buying properties off-market with Seller Financing using the power of Relationship Capital in The DEALS Workshop:  http://www.thedealsworkshop.com

What if the executor doesn't create an inventory? At CMS Law Firm we do estate planning, we do it well, and we'd love to talk to you about how you can protect your family, protect yourself, and protect your money. Good news for you is, that's easy to do. Just click the link and set up a time for your free strategy session - https://cmslawfirm.com/estateplanningstrategysession. Talk to you soon!

The Simps drink and discuss the newest JJK prequel Arc hidden Inventory while also talking One Piece Live action reviews.

Sometimes we get new Amazon selling students who have already sent in multiple shipments that might not have been quite as successful as they had hoped they'd be. On today's new podcast episode we talk about the solutions we offer these students in our coaching. We also have an update for you about our ProvenBrandedBundles.com brand new course! Learn to launch bundle listings with brand name products on Amazon that competitors can't jump on with you! Special guest at the conclusion of today's show: Jeff Schick from JeffSchick.com answering the question, "What's get people suspended on Amazon? Is it a concern?"   Watch this episode here: https://youtu.be/Msa3slOaz3Q   Show note LINKS: https://jeffschick.com - Our legal expert in all things Amazon   SilentSalesMachine.com - txt the word “free” to 507-800-0090 to get a free copy of Jim's latest book about building multiple income streams online!   https://TheProvenConference.com - Mark your calendar for May! Our LIVE event interest list is available.   My Silent Team Facebook group https://www.facebook.com/groups/mysilentteam 100% FREE! Join 70,000 + Facebook members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world!   JimCockrumCoaching.com - Get a free session with a business consultant on our team at 1-800-994-1792 / 1-801-693-1688 or TEXT US at 385-284-7701 (US & Canada only for Text)  ALL of our coaches are running very successful businesses of their own based on the models we teach here! We've been setting the standard for excellence in e-commerce and Amazon seller coaching since 2002 with over 7,000 students served! Hundreds of our successful, happy students have been interviewed on our podcast!   ProvenAmazonCourse.com - the comprehensive course that contains ALL our Amazon training modules, recorded events and a steady stream of latest cutting edge training including of course the most popular starting point, the REPLENS selling model. The PAC is updated free for life!   Keepa.com - https://get.keepa.com/ede41 -The service we use to help interpret all of Amazon selling data. For more information, Jim goes into more detail regarding why we love KEEPA and why every replen seller needs it on episode 369 of his podcast at https://SilentJim.com/podcast Three Step Check  - episode: #612    Sell your leftover inventory on eBay without touching it! https://SilentJim.com/returns   ProvenBrandedBundles.com  Learn to set up ASIN's (listings on Amazon) that belong ONLY to you and contain recognized, popular brand names! This all new training for FALL of 2023 is finally being released to the public after helping many of our top coaching students achieve multips six figures in sales PER MONTH on their branded bundles!

Ally All Ears Podcast: Protecting your dealership and inventory against weather related events. by Automotive News

Jason and Will Denis of the Flippin' SoFlo podcast discuss various aspects of the current real estate market and the impact of interest rates and inflation. They emphasize the importance of looking at data rather than getting caught up in fear-based news and offer insights into why the real estate market remains strong despite economic challenges. They mention that low-interest rates have led to affordable mortgage payments for many homeowners, making it unlikely for a real estate crash to occur without distressed sellers in mass quantities. Additionally, they discuss inventory levels and how they affect the housing market, emphasizing the resilience of real estate as an asset class. They talk about potential returns on investment in income properties, with projected returns ranging from 20% to 30%. Jason emphasizes that income property is a historically proven asset class with multi-dimensional earning potential. #RealEstate #HousingMarket #InterestRates #Inflation #Investment #IncomeProperties #Returns Key Takeaways: 1:22 It's all about inflation: Data not drama 3:41 News versus noise 4:33 Inventory levels and the sink metaphor 12:24 Wanted for an RE crash: distressed sellers 14:02 Credit scores and what it means to the housing market 16:01 Population and immigration: Demographics is destiny 18:18 Massive housing construction 23:31 The 'Perma bull' of the housing market 26:15 Jason's crystal ball 32:04 Minimize exposure to 'fear porn'   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    

 In this week's episode of FTR's Trucking Market Update podcast, we review revenues for the trucking industry during the second quarter and recap diesel prices and spot metrics in the latest week. Plus, we look at exports and imports of goods and at wholesale inventories in July.  The Trucking Market Update is hosted by FTR's Vice President of Trucking, Avery Vise. As this information is presented, you are welcome to follow along and look at the graphs and indicators yourself by downloading the presentation.Download the PDF: https://freight.ftrintel.com/trucking-podcast Support the show

165 - In this episode, we dive into 3 crucial email strategies: Back-in-stock Flow, Replenishment Flow, and Price-drop Flow. Learn how these flows contribute to revenue growth and customer retention, plus get Vira's pro tips on taking those flows to the next level during BFCM.Download a FREE Black Friday Cyber Monday Checklist Here! You'll learnwhy Back-in-stock flow, Replenishment flow, and Price-drop flow, are essential for eCommerce successhow these flows contribute to revenue growth and customer retentionVira's pro tips on how she's optimized engagement and conversion rates within those flows with her clientswhy Price-drop flows are essential during BFCM season plus practical examples on how to implement them Request Free Email Marketing Audit! Did you enjoy this episode? If so, please leave a short review and we will send you a Flowium gift.

In the first of our four-part series on the elements of S&OP (Sales and Operations Planning), we dive deep into the critical component of "Product Reviews." Join Eric as he unravels the intricacies of Product Reviews within the S&OP framework and we break down the objectives, goals, and outputs of the Product Review step.Support the showTo sign up for regular updates and the latest research, events, articles, podcasts and more from the Institute of Business Forecasting & Training, visit www.ibf.org

This week, Taylor and Maddy are talking about when it is time to cut your losses and move on from older stale inventory items in their Poshmark closets! They also talk about how this relates to removing items from their personal closets, as well as how to get started curating a personal capsule wardrobe. They also share some exciting reseller News updates: Mercari introduces direct messaging with buyers, and Poshmark introduces a new feature that gives sellers an opportunity to offer a partial refund when a case is opened against them. We want to hear from you! Have you tried the Poshmark partial refund feature? Let us know- And as always, send us any questions/feedback to sisterswhoposh@gmail.com or DM on Instagram @sisterswhoposh! Follow along on IG: @shoptaylorjae @shopwithmaddy27 @sisterswhoposh

How do you love yourself when times get hard? How do you move on with life in the midst of deep grief or trauma? In this episode, Krista and Sah D'Simone explore finding love and beauty in our darkest moments. Morning Microdose is a podcast curated by Krista Williams and Lindsey Simcik, the hosts and founders of Almost 30, a global community, brand, and top rated podcast.With curated clips from the Almost 30 podcast, Morning Mircodose will set the tone for your day, so you can feel inspired through thought provoking conversations…all in digestible episodes that are less than 10 minutes.Wake up with Krista and Lindsey, both literally and spiritually, Monday-Friday.If you enjoyed this conversation, listen to the full episode here.

Ready to tackle one of the biggest challenges in today's real estate market—low inventory? In this groundbreaking episode, host Ben Brady dives deep into the ultimate strategy you've been waiting for: Prospecting Around Listings. Forget the old ways of aimless prospecting; it's time to become the go-to neighborhood expert, even when the listings aren't your own!

The first step in my Habit Hacking System in my ACCELERATOR program is to find out the data, the facts!  Sometimes we get too caught up in our feelings and what we think in our heads we start to believe as the ultimate truth. A time tracker or inventory will allow you to not necessarily find more hours in the day, but rather help you see where all of your time is going. This is a very eye opening exercise for sure!  Here are the top 5 ways a time inventory or tracker can help you make more time and I'll share at the end how I recommend using a time inventory. Speaking of time... Did you see the announcement about the free HABIT HACKING MASTERCLASS? It is now live now through the 24th only and it's completely free!  I've brought together best experts on time to give you a streamlined, easy to listen to podcast series about making time for your healthy habits!  These contributors have a servant's heart and they get you! The strategies are top notch and we'll be sharing more about the bundle everyone has contributed to as well that will be available later this month.  In the meantime, go listen! Go listen now for free before it goes away! *** HABIT HACKS: -Get the FREE HEALTHY HABIT RESET MASTERCLASS! -Access the secret podcast ATOMIC HABITS FOR WOMEN -Get my most popular tracker from the shop, the ULTIMATE HABIT TRACKER! -Access my signature program, the HEALTHY HABITS ACCELERATOR -CHECK OUT THE FREEBIE VAULT!: Access habit tools, self care checklist, ingredient meal tips, free workouts and more!    LET'S CONNECT: Connect with Emily: @emilynichols22@habithackshop.co www.emily-nichols.com 

Over 30 years in the biz, sold over 10k homes. #1 resale team in the Triangle area, NC.In the 20 years with RE/MAX, she remained top team leader in NC/SC consistently, was the #1 team in the US and #3 in the world in 2014. [PARTNER WITH US] Get instant 1-on-1 access to over 26 of the top agents in the country to help scale your business.

We're in the thick of a housing crisis. Buyers are waiting to pounce on properties, but there aren't any houses to buy. Mortgage rates are high, and prices have risen or stayed flat in most parts of the country. So, where do first-time home buyers turn when there's nowhere else to go? New construction homes! But it's not just regular home buyers bidding on new construction. Investors are creating more competition as the existing home market slowly trickles out inventory. Nikolas Scoolis' team at Zonda has been distributing some of the most comprehensive new construction data for the 2023 housing market, and he's got some good news to share. With new construction home sales sharply rising over the past year, builders are getting bullish, and home buyers are FINALLY getting their hands on some inventory. But, with so many home builders chasing luxury profits, are affordable houses even worth building? And while new homes bring some relief to the inventory crisis we're facing, it may not be enough to balance supply and demand. Nikolas will get into new construction market updates, why new home sales are exploding, who's buying, and the BIG incentives builders are promising buyers. In This Episode We Cover: The housing inventory crisis and if new homes will match demand Affordable housing and whether or not small square footage homes will come on the market Baby boomer investors vs. first-time home buyers and the fight for inventory Rate buydowns, free upgrades, and other incentives home builders are still offering Recovering markets that are seeing strength return after HUGE price drops  And So Much More! Links from the Show Find an Agent Find a Lender BiggerPockets Forums BiggerPockets Agent BiggerPockets Bootcamps Join BiggerPockets for FREE On The Market Join the Future of Real Estate Investing with Fundrise Connect with Other Investors in the “On The Market” Forums Subscribe to The “On The Market” YouTube Channel Dave's BiggerPockets Profile Dave's Instagram Kathy's BiggerPockets Profile Kathy's Instagram Who's Keeping the Housing Market Moving? Baby Boomers Read Zonda's New Home Market Update Bullish Homebuilders, Affordable Housing, and Why Home Prices WON'T Move Connect with Nikolas: Nikolas' LinkedIn Click here to listen to the full episode: https://www.biggerpockets.com/blog/on-the-market-138 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on the Daily News You Can Use, Ray and Zach review the latest new car inventory data. Tune in to learn more!

Darryl Davis is a bestselling author known for his book "How To Become a Power Agent in Real Estate". He founded The POWER Agent Program®, a year-long real estate coaching program that has helped agents double their income.Darryl began his real estate career at 19 on Long Island, quickly becoming a top producer and a successful broker. He is also a Certified Speaking Professional, a prestigious honor held by less than 2% of all speakers globally.Join Darryl and Dan Rochon this Tuesday Afternoon as they talk about How to Become a Listing Inventory EXPERT in 90 Days & Thrive in ANY Market!--To find out more about Dan Rochon and the CPI Community, you can check this link:www.NoBrokeMonths.com --Stop

On this episode of The New Warehouse, Anya Skomorokhova, Co-Founder and Chief Operating Officer of Porter Logic joins the show to discuss the significance of data in today's supply chain and warehousing industry. Be sure to tune in as Anya and Kevin delve into data management's complexities and challenges, highlighting the increasing demand for comprehensive solutions to solve common problems in warehousing. Head to Barcode Depot for 15% off your repair with promo code "Repair15" Learn more about Resonant Link here. Utilize our 3PL fulfillment services for all of your logistical needs. Email Kevin directly at kevin@thenewwarehouse.com Free floor tape and floor sign samples from Mighty Line! Get yours here.Follow us on LinkedIn here for more content.Support the show

Starfield is finally here. Cardy and Jen have been playing it and have many, many thoughts. Joining them is Mat who has watched all of Netflix's One Piece adaptation and again has thoughts. There's then a round-up of indie games to keep on your radar including The Plucky Squire, Thank Goodness You're Here, Harold Halibut, and Helskate.What do you think of Starfield? Had any good snacks recently? Drop us an email: ign_ukfeedback@ign.com.

In an extremely spoiler-light 2 hour conversation, the crew sum up their thoughts on Bethesda's brand new space RPG: Starfield. Do they love it? Are there space cowboys? Can you do a backflip? Find out on this special episode! Starfield: https://bethesda.net/en/game/starfield 0:00:00 - Intro 0:02:00 - Do we like Starfield? 0:07:20 - Space/Planet Traversal 0:12:16 - Quests & Points of Interest 0:17:39 - Base Building 0:20:23 - Inventory 0:24:01 - Weapons & Combat 0:26:40 - Companions 0:27:31 - Bugs 0:37:55 - Social Systems & Characters 0:44:23 - Roleplaying 0:49:53 - Is it weird enough? 1:01:16 - Main Quest 1:04:20 - Ship Combat 1:08:20 - Perks 1:10:46 - Stealth, Lockpicking, and Pickpocketing 1:12:10 - Ship Combat Pt. 2 1:16:54 - Performance 1:21:00 - Q: Does Starfield have the usual Bethesda launch problems? 1:23:25 - Q: Has there been a moment that genuinely surprised you? 1:24:05 - Q: Will the game let me be an absolute prick? 1:26:09 - Q: Can you do a backflip? 1:28:40 - Q: Are 990 of the 1000 planets full of FO4 settlement missions? 1:31:45 - Q: Is there a classic sci-fi enemy (i.e. Xenomorph, Flood)? 1:36:53 - The Cowboy Companion 1:43:24 - Q: Are main story missions pre-written? Procedural? 1:45:09 - Q: Is the procedurally generated content worth doing? 1:50:03 - Closing Thoughts on Starfield 1:56:24 - Armored Core 6 1:58:27 - The Making of Karateka 1:59:09 - NOCLIP'S PAX WEST PANEL 1:59:49 - Sign Off

Thank you MeUndies and Spotify for sponsoring this week's episode! Go to http://meundies.com/wgg to get 25% off your first order. Go to http://shopify.com/whatsgood to take your business to the next level today. Starfield is finally here (via early access!) and WE'VE PLAYED IT! This week Starfield is the only topic of conversation as we spoiler-free cover all things related to Bethesda's brand new IP, including where it surpasses expectations and where it falls short. Starfield review copies provided Bethesda  Thank you to this month's Patreon Producers: Chewy's Godson Faris Attieh Justin Foshee Punkdefied Listen to WGG Ad-Free on Patreon: http://www.patreon.com/whatsgoodgames  Subscribe to our channel and don't forget to hit the bell: http://bit.ly/2rAcJvF 03:18 - Starfield Pushes Baldur's Gate 3 Off Steam Top Spot, And It's Not Even Out Yet 04:54 - Thank you to Xbox and Bethesda for early access!!! 05:18 - Starfield first impressions 14:40 - Skill trees 19:25 - Game mechanics 21:45 - Some frustrations? 24:00 - Fallout in space or Skyrim in space? 25:55 - Who is Grandma? 27:17 - Scope of the map 30:07 - Break 30:21 - A Message from Shopify 32:10 - A Message from our Sponsor 32:13 - A Message from MeUndies 34:10 - Patreon Shout-Outs!!! 36:27 - What's the deal with Encumbrance? 59:32 - Inventory flow 1:03:38 - Menu System 1:07:11 - Final thoughts Want audio only? http://whatsgoodgames.com/podcast/ Merch: https://teespring.com/stores/whatsgoo... Follow on Twitter: http://www.twitter.com/whatsgood_games Follow on Facebook: http://www.facebook.com/whatsgoodgames Follow on Twitch: http://www.twitch.tv/whatsgoodgames Join our Discord community: http://discord.gg/whatsgoodgames Follow on Instagram: http://www.instagram.com/whatsgoodgam... Our website: http://www.whatsgoodgames.com  #starfieldreview #starfield #bethesda #videogames  Follow the crew: Andrea: http://www.twitter.com/andrearene http://www.instagram.com/andrearene_ http://www.tiktok.com/@andrearene Britt: http://www.twitter.com/blondenerd http://www.instagram.com/blondenerd http://www.tiktok.com/@britt.brom Riana: http://www.twitter.com/rianatweetsnow http://www.instagram.com/rianagramsnow http://www.tiktok.com/@rianatiktoksnow Learn more about your ad choices. Visit megaphone.fm/adchoices