Podcasts about Inverness

Als der „Inverness Courier“ einen Artikel über ein Monster in einem See im schottischen Hochland veröffentlichte, nahm die Nessie-Legende ihren Lauf.

Ian Wilks served in the Scotland, Edinburgh Mission from January of 1987 through February 1989. Our conversation took us through his conversion to the gospel, his experiences in the mission, and his life since. His story of an early morning visit to the toilet in Inverness is a crack up!Ian currently lives in British Columbia, Canada, near Vancouver. He and his wife have 4 children.Recorded February 23, 2025

Dr Clarkson is an NHS cardiologist at Raigmore Hospital in Inverness in the Scottish Highlands.  Our previous interview video had more than a million views.  This follow-up video podcast, a year later, has two parts.  In the first, Dr Clarkson outlines how we should all assess our own cardiac risks and explains more about the decision whether or not to take the drugs statins.  The second part is about returning to exercise after a heart attack or being diagnosed with atrial fibrillation.This full interview is available as a video.  It is the source interview from which I produced two separate videosCardiac Risk Score and  Activity after atrial fibrillation (AF) or heart attack (MI)Qrisk3 calculator ➡️ https://www.qrisk.org

Join the patreon now and get even more bonus content!www.patreon.com/apintandtwoshotsWe are proudly sponsored by G4 Claims/G4 Podcast Studio & CBD Oil Scotlandhttp://www.notatfaultclaim.com/Not at Fault Claim Made Easy. We can provide you with complete accident management support you require. We recover our costs from the at fault party, we wont take a percentage off your compensation claim. You can also contact your insurance company for assistance or instruct a solicitor of your choice.https://www.cbdoilscotland.com/USE CODE APATS for 50% off!CBD Oil Scotland is a family-run business established in 2015. From their own experiences with CBD, they have seen a need to bring high-quality CBD products to the market at a price that was more accessible for everyone. Specialising in CBD means they can focus on what really matters to their customers in regard to the products: quality, transparency, and affordability. We hand deliver their products all over the country, so you can meet the team and have a point of contact to listen to your queries and share your experiences. CBD has become a large and lucrative market, and it is easy to distinguish which businesses are there purely for commercial gain, and which are there for the right reasons. They believe we are here for the right reasons: to provide the best quality product in Scotland at the best possible price, with the best customer service.Greener Energy Group has over 30 years combined experience of providing energy saving solutions to customers, helping them to save money on energy bills and making their home more energy-efficient. Our head office is based in Paisley with satellite offices in Aberdeen and Inverness, we are an established, stable and trusted company with installations spread over the whole of Scotland. Throughout the years we have accumulated a large existing customer base who are a testament to our professionalism, level of care and customer service provided.

Iain dives into the wild story of Simon Fraser, Lord Lovat, a tale packed with betrayal, dramatic beheadings, and the mystery of his missing remains. Meanwhile, Laura explores the curious world of Loch Ness Monster insurance. Plus, listeners from Inverness send in their own local stories (and plenty of pet pics, of course!).Murder They Wrote with Laura Whitmore and Iain Stirling is available twice a week on BBC Sounds. Subscribe now so you never miss an episode. Got a case for us? Email lauraandiain@bbc.co.uk

Join the patreon now and get even more bonus content!www.patreon.com/apintandtwoshotsWe are proudly sponsored by G4 Claims/G4 Podcast Studio & CBD Oil Scotlandhttp://www.notatfaultclaim.com/Not at Fault Claim Made Easy. We can provide you with complete accident management support you require. We recover our costs from the at fault party, we wont take a percentage off your compensation claim. You can also contact your insurance company for assistance or instruct a solicitor of your choice.https://www.cbdoilscotland.com/USE CODE APATS for 50% off!CBD Oil Scotland is a family-run business established in 2015. From their own experiences with CBD, they have seen a need to bring high-quality CBD products to the market at a price that was more accessible for everyone. Specialising in CBD means they can focus on what really matters to their customers in regard to the products: quality, transparency, and affordability. We hand deliver their products all over the country, so you can meet the team and have a point of contact to listen to your queries and share your experiences. CBD has become a large and lucrative market, and it is easy to distinguish which businesses are there purely for commercial gain, and which are there for the right reasons. They believe we are here for the right reasons: to provide the best quality product in Scotland at the best possible price, with the best customer service.Greener Energy Group has over 30 years combined experience of providing energy saving solutions to customers, helping them to save money on energy bills and making their home more energy-efficient. Our head office is based in Paisley with satellite offices in Aberdeen and Inverness, we are an established, stable and trusted company with installations spread over the whole of Scotland. Throughout the years we have accumulated a large existing customer base who are a testament to our professionalism, level of care and customer service provided.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Culloden was the last pitched battle fought on British soil and the defeat ended Jacobite hopes of restoring the Stuart monarchy to the ...

Train journeys through Scotland offer spectacular scenery and connect major cities, but they can present unexpected challenges when severe weather strikes.• Travelling from Edinburgh to Inverness via the scenic coastal route through Dundee and Aberdeen• Strategic stops at St Andrews (via Leuchars) and Aberdeen's Maritime Museum• Weather disruptions forcing schedule changes and an extended stay in Inverness• Navigating cancellations by using alternative routes and transportation methods• Comparing the coastal route with the Highland Main Line through the Cairngorms• The importance of flexible tickets when travelling by train in Scotland• Essential apps and preparation tips for train travel contingencies• Accommodation recommendation: Blackfriars Hotel near Inverness Station• Train travel offering a unique perspective of Scotland's diverse landscapesFor more information about train travel in the UK, check out our UK train travel e-book on the UK Travel Planning website. If you have any questions about train travel in Scotland or anywhere in the UK, leave us a voice message via SpeakPipe.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Monica Pareschi"Inverness"Polidoro Editorewww.alessandropolidoroeditore.itC'è, nell'incontro con l'altro, una paura antica, uno spavento continuamente ricercato e fuggito. Incontri sbagliati, mancati. Incontri fatali, o intravisti.Baci velenosi. Bambine dai difetti repellenti. Addii dati in maniera fredda e intollerabile. Amori ricambiati in parte e scambiati per eterne maledizioni scolastiche.Monica Pareschi torna alla narrativa dopo il suo esordio di circa 10 anni fa. Un'opera contundente, corrosiva – ricorda la malizia fantastica di Leonora Carrington e il film Stoker di Park chan-Wook – fondata sui sentimenti più nascosti, sulle piccolezze mostruose, vitree, che tutti noi coviamo mentre amiamo e mentre odiamo.Monica Pareschi è autrice di È di vetro quest'aria, Italic Pequod, 2014. Traduce narrativa per le maggioricase editrici italiane. Ha tradotto e curato, tra gli al-tri, Thomas Hardy, Charlotte e Emily Brontë, Shirley Jackson, Doris Lessing, James Ballard, Bernard Malamud, Paul Auster, Nel 2020, per la sua traduzione di Wuthering Heights, ha vinto il Premio InternazionaleVon Rezzori e il Premio Letteraria e, nel 2023, il Premio Fondazione Capalbio per la traduzione di Piccole cose da nulla di Claire Keegan. Insegna traduzione letteraria all'Università Cattolica.IL POSTO DELLE PAROLEascoltare fa pensarewww.ilpostodelleparole.itDiventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.

In November 1976, 36-year-old Renee MacRae and her 3-year-old son Andrew vanished without a trace after leaving their Inverness home for what was meant to be a weekend away.What followed was one of the most baffling missing persons cases Scotland has ever seen - a case with no suspects, no evidence and no answers for over four decades.When I first began researching this one, I knew nothing about it. What unfolded before my eyes as I dug deeper left me stunned. Layer by layer, the truth began to surface, and by the time it did, the damage had already been done.Join my Patreon community at patreon.com/britishmurders for exclusive perks, including early access to ad-free episodes, bonus episodes and content, exciting giveaways, and welcome goodies!Follow me on social media:Facebook | British Murders with Stuart BluesInstagram | @britishmurdersTikTok | @britishmurdersJoin the private Facebook group:British Murders Podcast - Discussion GroupVisit my website:britishmurders.comIntro music:⁣David John Brady - 'Throw Down the Gauntlet'⁣davidjohnbrady.comDisclaimer:The case discussed in this podcast episode is real and represents the worst day in many people's lives. I aim to cover such stories with a victim-focused approach, using information from publicly available sources. While I strive for accuracy, some details may vary depending on the sources used. You can find the sources for each episode on my website. Due to the nature of the content, listener discretion is advised. Thank you for your understanding and support. Hosted on Acast. See acast.com/privacy for more information.

We speak to Lib Dem leader Ed Davey in Inverness as his party looks to the Highlands ahead of next year's Holyrood election. He discusses the party's hopes of making gains across the region – including in the Skye, Lochaber and Badenoch constituency currently held by Kate Forbes. The Lib Dem leader also talks international affairs including the UK's approach to handling Donald Trump and his party's priorities over the next 12 months.  Finally, Ed explains the lasting impact of the late Charles Kennedy, former leader of the party, who was a Highland MP for 30 years.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Alistair Grant, Alexander Brown, David Bol and Rachel Amery discuss the impact of Donald Trump's tariffs on Scotland. Elsewhere, the team talk about Jamie Greene MSP quitting the Scottish Tory group at Holyrood, and Alistair sits down with Scottish Liberal Democrat leader Alex Cole-Hamilton ahead of his party's conference in Inverness. Learn more about your ad choices. Visit megaphone.fm/adchoices

“you are mistaken about my alleged agents” [MAZA]      Along with the calabash pipe, deerstalker cap, and Inverness cape, one of Sherlock Holmes's traits is the use of cocaine. But should it be?   William H. Miller, M.D. F.A.C.P. won the Morley-Montgomery Award for his article in Vol. 19, No. 3 of The Baker Street Journal in which he asserted that we're mistaken in believing that Sherlock Holmes used cocaine. Don't believe us? Well, it's just a Trifle.   All of our supporters are eligible for our monthly drawings for Baker Street Journals and bonus content. Join our community on Patreon or Substack today.   This season, we've added "Trifling Trifles" — short-form content that doesn't warrant a full episode — as an additional channel of content exclusively for our paying subscribers. Check it out (Patreon | Substack).     Do you have a topic you'd like to recommend? Email us at trifles@ihearofsherlock.com and if we use your idea on the air, we'll send you a thank-you gift. Leave Trifles a five-star rating on Apple Podcasts and Spotify; listen to us wherever you listen to podcasts.   Links / Notes Morley-Montgomery Award Winners Previous episodes referenced: Episode 84 - The Morocco Case Episode 269 - The Seven Per-Cent Solution All of our social links: https://linktr.ee/ihearofsherlock Email us at trifles @ ihearofsherlock.com      Music credits Performers: Uncredited violinist, US Marine Chamber Orchestra  Publisher Info.: Washington, DC: United States Marine Band  Copyright: Creative Commons Attribution 3.0  

DeLisa Moore of Toledo Realtists speaks with Fred about upcoming events designed to give people information on home ownership and building wealth. The first event is this Friday at Inverness and subsequent events will be held on April 11th and 12th. Details are available on the website Toledo Realtists

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

John MacLennan represents district 4, which includes Lake Ainslie, Whycocomagh, Waycobah, Orangedale, and River Denys.And Catherine Gillis represents disrtict 6, which includes Judique, Port Hastings, Glendale, West Bay, and Marble Mountain.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

On my recent travels through the UK and Ireland for Streets of Your Town, I was amazed to find how strong the cross pollination between Australian and Indigenous music and Gaelic traditions were, and how it continues to evolve.While I was in Glasgow, I was lucky enough to meet Graham Mackenzie from award winning instrumental folk trio Assynt. Sitting in his Glasgow living room, his fiddle sits between us, never far from his thoughts, as we chat about the band's recent Australian tour.The band launched in 2018, and had long held aspirations to play in Australia. Even the pandemic - while delaying their plans - couldn't hold them back for long, and last year they came to the Woodford Folk Festival to perform and do workshops. The trio also toured down the East Coast on a hectic trip for the Festival of Small Halls.Inspired by the great piping, fiddle and Gaelic traditions of the Highlands where he grew up in Inverness, McKenzie's self-penned melodies for Assynt have a contemporary edge while rooted in centuries-long musical traditions.Graham tells us on Streets of Your Town how he is relieved to find their workshops and performances both in Scotland and Australia are now filled with young people embracing their fiddles and traditional Celtic instruments, and wanting to pick up tips. One of his favourite aspects of coming to Australia was hearing First Nations performers at Woodford Folk Festival, seeing it as a rare opportunity for two age-old cultures to learn from each other.For more shownotes - please go to my substack for this episode at soyt.substack.com

Our first podcast back since last year and we are joined by 2:15 marathoner and recent Scottish bronze half marathon medallist Ryan Thompson of Cambuslang. All the usual running ramblings and pub like banter! Enjoy!

rWotD Episode 2867: Campbell Dallas Welcome to Random Wiki of the Day, your journey through Wikipedia’s vast and varied content, one random article at a time.The random article for Monday, 10 March 2025 is Campbell Dallas.Campbell Dallas is a firm of accountants & business advisors in Scotland.Campbell Dallas was formed in 1999 with the merger of Campbell & Co of Bearsden & Paisley and Dallas Nicoll & Co of Paisley. More acquisitions followed: in 2003, they acquired Reeves & Neylan Chartered Accountants of Perth, in 2005 they acquired MacMillan Chartered Accountants of Glasgow, in 2006 MacPherson & Company of Aberdeen and Gordon Ferguson & Company of Stirling, and in 2016 W White & Co of Kilmarnock and Bell & Company of Perth. In 2017 they became part of Cogital and in 2020 the business rebranded to Azets.The firm had over 500 staff including 50 partners, operating from 7 locations across Scotland; Aberdeen, Ayr, Edinburgh, Glasgow, Inverness, Perth, and Stirling. The business now operates under the Azets brand in Scotland.This recording reflects the Wikipedia text as of 00:01 UTC on Monday, 10 March 2025.For the full current version of the article, see Campbell Dallas on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Salli.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

In this podcast extra we speak with actor and playwright Matthew Zajac about his stage adaptation of James Robertson's novel, "The Testament of Gideon Mack".We also venture into the trials and travails of running Dogstar, a European touring theatre company based around Inverness and how it's grown ​from its early Highland tours.To find out where you can see its production of "The Testament of Gideon Mack" click the link belowhttp://www.dogstartheatre.co.uk/ ★ Support this podcast ★

In this podcast extra we speak with actor and playwright Matthew Zajac about his stage adaptation of James Robertson's novel, "The Testament of Gideon Mack".We also venture into the trials and travails of running Dogstar, a European touring theatre company based around Inverness and how it's grown ​from its early Highland tours.To find out where you can see its production of "The Testament of Gideon Mack" click the link belowhttp://www.dogstartheatre.co.uk/ ★ Support this podcast ★

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Keith discusses the impact of baby boomers on the housing market, noting that contrary to popular belief, many boomers are choosing to age in place. He also addresses the negative effects of gambling, particularly sports gambling, on young men, including financial ruin and increased bankruptcies. 54% of baby boomers state that they will never sell their homes.  People aged 55+ own more than half of U.S. homes. The overall population growth in the US has grown at its fastest rate since 2001, reaching over 340 million. Millennials and Gen Z, the largest generations, are driving future housing demand.  Resources: GRE Free Investment Coaching:GREmarketplace.com/Coach Show Notes: GetRichEducation.com/541 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold. All the baby boomers are about to sell off their homes and downsize, unleashing a glut of supply onto the market, and housing prices crash. Is there cogency to that theory or not? I give you a definitive answer, the Trump bump, then later, a pernicious vice is destroying more people's lives today, especially young men and almost no one is talking about this. It's leading to lower credit scores, more bankruptcies and even more suicides today on get rich education   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com.   Corey Coates  1:25   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:41   Welcome to GRE from Hyannis, Massachusetts to Hiram, Utah and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education episode 541 just another slack jawed and snaggletoothed podcaster here now a popular, I suppose, media narrative that's been out there for a long time is this premise that US housing prices are going to crash hard because all the aging baby boomers are going to sell their homes, and Boomers are the biggest generation in all of American history. This is just going to magnify the price collapse. It means far more home sellers than buyers. So soon enough, sellers will have to keep cutting prices. Everyone's going to undercut everybody to compete with all of these for sale homes. So as a result, everybody's property values are going to collapse today. Let's look at how bad it will get. Should you get ahead of this and sell it all now and then? I'll even tell you when this popular narrative will supposedly happen with boomers selling en masse, or won't it happen at all. That's what we're looking at, the term silver tsunami. You've probably heard that thrown around in the real estate world. It actually refers to pent up housing stock that older homeowners will eventually choose to sell, which would have that effect of flooding the market with all this new inventory. All right. Now let's define what we're talking about here. Baby Boomers are the generation born just after World War Two, between 1946 and 64 that makes them between the ages of 61 and 79 this year. Okay, so basically, these people are in their 60s and 70s. That's their age. My parents are baby boomers. President Trump is at the upper age limit for a boomer, but they're not all as old as you think. I mean the youngest baby boomers include Michelle Obama, Sandra Bullock and Rob Lowe. So not all boomers are like super old, but see, it is a big generation of over 76 million people. So whatever they do really moves the economy. And maybe you've heard it been said, My gosh, what if we have more dyers than buyers? But now a more nascent trend is that you hear about more and more boomers and people older than boomers not selling their home instead wanting to age in place. And that just means they want to stay in their home and not go to a nursing home or assisted living. And that was recently quantified in a survey that Housing Wire reported on it found that 54% of baby boomers say that they'll never sell their homes, some of them passing homes along as inheritance and see often that's because their home is paid off and assisted living care costs are through. To the roof, more than half of boomers don't have any mortgage at all. All right, so we've established that boomers aren't as old as most people think, and then a lot of them aren't planning to sell. But still, let's look for trouble here, because boomers are a huge group, and some portion of them are going to sell is they age, even if a lot of them say that they won't. How about the almost half of boomers with a mortgage? You know what? Here's the thing, if they downsized, like older people have traditionally done. I mean, my grandparents downsized long ago. But do you know what would happen if boomers downsized? Today? For most, their monthly mortgage payment would actually go up if they downsized. That's because of today's higher mortgage rates and home prices. And see, that's a financial reality that keeps them in place. They're never going to downsize. All right, so a lot of boomers are just not going to sell. But still, this wave of selling boomers crashing the housing market, this has been a popular narrative for, I don't know, maybe more than a decade. Now there's been a lot of smoke, so then where is the fire. That's another way to think about this. So there's got to be more to this. And there is, in fact, people age 55 plus, own more than half of the homes in the US. Did you know that? All right? Well, if we pull back from boomers, and let's just take a look at all homeowners of every age, people are staying in their homes longer, whether they're age 30 or 50 or 80, Americans now stay in the same home about 12 years. That is twice as long as 2005 Well, what that means is that homes don't come onto the market and people cannot buy what's not for sale. And then, of course, you've got the well documented interest rate lock in effect. That's a contributor here to people of all ages with 4% mortgages, they are reluctant to sell. And now what we're talking about here are demographics. Remember that quote, demography is destiny, the three word quote from 1800s era French philosopher Auguste Comte, and that's because it's completely predictable. If you're 32 years old today, in 10 years, you'll be 42 totally predictable. All right, if demographics could possibly crash housing crisis, let's step back and see what's going on with overall US, population growth. You know what? It just grew at its fastest rate since 2001 about a full 1% growth last year, yeah, we broke the 340 million population mark for the first time ever. And now, what about the portion that our immigrants, and what if a substantial amount of them get deported? I mean, after Trump settled into the White House for his second term, deportations began almost immediately. Is there enough population growth to buy from the boomers that do sell their homes? Well, if mortgage rates come down into the low fives, then maybe more boomers will sell and bring some more resale inventory onto the market. See, you need a good chunk, though, of buyers to come in from somewhere in order to support future housing prices. Well, where are those buyers going to be? Well, some people still don't realize that the largest generation in American history is, in fact, not baby boomers, it's millennials. They became the biggest group more than five years ago. In fact, Statista tells us that Gen Z isn't far behind them either. Yeah, Gen Z is almost as big as millennials as a group coming right behind them. And of course, this varies a little bit. Demographers parse the generations somewhat differently, but here's what the rise of the biggest generation means, millennials. They're aged 29 to 44 now, and there are over 70 million of them, and then almost as big the next group right behind them, Gen Z. They're ages 13 to 28 they alone number about 70 million themselves, even if you just completely leave the surge in immigration out of the picture and all the additional housing demand that immigration brings. So we're mainly just looking at the domestic side alone here. So. What's happened is that there were 4 million plus births per year from 1990 to 2010 providing a tailwind for housing demand through 2035, 2045, or later. Yeah, we had more births during many of those years than we did in the peak of the baby boom, which was 1957 like I've mentioned on the show before, the average age of a first time homebuyer is now a record high of 38 years old, per the NAR it's really taken a long time for some people to stop playing the video games and moving out of their parents basement. Okay, well, the peak birth year for the US was 2007 I just told you it was elevated between 1990 and 2010 but 2007 was that peak, alright? So take that peak and add 38 years to it, and you know what? The first time homebuyer demand is just going to continue to build, build, build, and not even reach its peak. Then until 2045 or so, the peak birth year 2007 plus 38 years, that is where the crush of future demand is coming from because that person born in 2007 on average, they're not even going to buy their first home until well into the 2040s   In fact, the number of Americans turning 35 every single year is High, and it just keeps increasing. It's over 4 million now, already up 25% since 2011 and this number of Americans turning 35 is going to keep rising for another decade or two. In fact, this year, it's going to approach 5 million Americans turning 35 new record territory coming. And I keep bringing this up because 35 is a key age, because by that time, almost everyone has moved out of their parents home, and so that's the time where people either need to rent or own themselves, pushing up both rents and prices, and that's why this wave of demand and pent up demand is just gonna keep coming. And by the way, those stats that I gave you there, they're all sourced from the US Census Bureau. I mean, this is exactly where the housing demand just keeps coming from. It's a big factor about why prices keep going up. The demand just keeps piling on, even though affordability worsened, the demand just keeps coming. And it's just going to keep on coming well in to the 2040s now it could very well ebb substantially by, say, the middle of the 2050s but we'll see, and that is still three decades away. And remember, all of this doesn't even include the additional population growth from immigration and how many non deportees that is going to add to the housing demand on top of this, and then, if that's not enough, there is even more future housing demand expected to come from the declining number of occupants per household. Yes, the reduced household size that Stokes housing demand. I touched on this with you a little before on a prior show. But let me go deeper as we continue to corrode this more dyers than buyers. Theory, as we break this down, people have smaller families today. I think everybody knows that back in 1960 there were 3.3 occupants per household. Today, it's just two and a half. And to give you a simple example of how this itself keeps stoking the housing demand, just say that there's a village of 100 people with three occupants per household, they would need 33 and 1/3 homes over time, when that drops to two occupants per household, that's the direction we're going now that same village needs 50 homes just in order to accommodate the shift in household structure. Well, 50 homes is 50% more than 33 and a third, well, that means 50% more homes are needed, and that's even in a scenario where the population stays the same. Yet it's not staying the same, it's rising, and the population is really rising fast for that key household form. Population age range of 35 to 38 years old. Fewer Americans are living together. I expect the housing market to continue shifting toward smaller household counts. One person households will keep rising. I expect that to be one of the most impactful housing trends of this entire 21st century, and it's also really helping fuel a loneliness epidemic, which is another subject unto itself. Well, the three main drivers of this rise in single person households is that first people are delaying those major life events compared to previous generations. They're attending school longer. They're marrying later. They're buying homes later. They're having children later. And as these events are postponed, the time some young adults spend living alone or without children increases. They're playing video games longer as well. The second driver of these single person households is falling. Birth rates when people have children, many are having fewer than previous generations, reducing the average household size. That's pretty obvious. And then third the population composition is getting older. And older, people tend to live with fewer people. If life expectancy rises, this component of the trend would only intensify. Yes, the whole Brian Johnson thing, he is the health influencer that says we now have alive, the first generation that's going to live forever due to advances in longevity in technology. I mean, my gosh, if he is right, what would that do to housing demand? I mean, and it would also push up our average age even more. Gosh, yet, at the same time that all this demand keeps pushing up. America already has a well publicized overall housing shortage of several million housing units. You already know that story well, construction has picked up a little, but not enough to keep up with demand. In fact, American housing supply is still about 30% below pre pandemic levels. So suffice to say, let me give you a satisfying definitive answer here, when are selling boomers going to crash housing prices? It is highly unlikely that that can even happen at all. In fact, you see fewer stories about this than you used to. More people have come to realize that it is just not happening. And looking at us demographics over the next few cycles, a lot more people will need homes demand continuing to exceed supply. This is why home prices should just keep rising from here. In fact, I have been an active single family rental property investor here myself, single family is where perhaps the greatest shortage is and the greatest demand is at the same time I am owning something that people are definitely going to need more of. Remember, demography is destiny, and they're going to pay more and more for it. When mortgage rates fall, it's probably going to bring in even more buying activity, and now all of this continued upward, long term, future price momentum for housing, of course, that all existed before Donald John Trump step into the White House to start his second term last month. I think the Trump factor, or Trump bump, you know what often gets somewhat exaggerated for what it can do to the economy and housing prices, right? I mean, I've talked to you before, it's about the decisions that you make more so than decisions that a politician makes, but Trump is doing some things on a pretty seismic level these nascent immigrant deportations, that obviously can increase the cost of labor you're exporting away your low cost labor with immigrant deportations. I mean, that is inflation tariffs, though some tariffs have been negotiated away for the time being, that's more inflation. So deportations mean wage increases. That's more inflation. Increased wages mean increased rents. Trump talks lower taxes. Lower taxes can then mean higher rent payments. Proposals to eliminate. Made taxes on tips over time and Social Security, that means that Americans and retirees are gonna have more disposable income. More income means higher rent collections, fewer delinquencies, and potentially rising home prices as affordability improves. That's a lot of the good news. It's not all rosy news. You better look out for high tax states salt adjustments that state and local income tax and a deduction cap could harm their property values. We're talking about places like California, New York and New Jersey, the 2017 Trump tax cuts and Jobs Act that gave real estate investors some really juicy benefits, like 20% pass through deduction for LLCs and bonus depreciation on rental properties and lower corporate tax rates too. Combined this stuff, it all keeps more money in your pocket and allows for bigger deals with better cash flow.    We're talking about Trump bump factors on the real estate market here, other proposals on the table, other things like tax breaks for domestic production that could boost us construction, leading to more badly needed housing supply that could lower building costs and investment opportunities in niche in growth markets. Remember opportunity zones, and then what about targeting wealthy investors? We'll see what happens, but Trump's plan removes tax breaks for hedge funds and billionaire sports owners. But could real estate investors get hurt a little on that side too? Maybe look for changes to the 1031 or depreciation strategies. But you know, the 1031 exchange has been around for over 100 years. I would be surprised if it went away completely, and yes, though they have been postponed, if 25% tariffs on Mexico and Canada do go into place and the countries retaliate, as they've been shown to do, it would add point seven 6% to US inflation and subtract 410 of a percent from US GDP growth. Aren't those two projections Interesting? Yeah, those estimates were compiled by the Yale budget lab. So adding about three quarters of a percentage point to the overall inflation rate with these tariffs. I mean everything we're talking about the price of your housing or your car tires or your tomatoes and romaine lettuce. I mean, that effect could take money out of people's pockets. Yes, we know that Trump wants to bring down interest rates, but I don't know how he's going to do that. I mean, as you know, more inflation correlates with higher rates, not lower ones. See, you just can't get it all. You just can't have it all. And of course, mortgage rates are not historically high. They've simply been normalized after years of being artificially low. Rates are normal. So normalized is really a term that I like to use. So really, to help summarize what I've shared with you here in the first half of the show, a housing price crash induced by a boomer sell off is not a thing. In fact, almost Oppositely, demographics in this pent up demand should raise up future home prices, and to a lesser extent, a Trump bump can as well. Yes, gosh, Trump just has an insatiable fascination for tariffs. It is truly amazing, and it has more stick to itiveness than say, Mark Zuckerberg, recent fascination with masculine energy and gold chains, that's for sure.   Hey, before we get into the pernicious vice that's destroying more people's lives today, especially young men and almost no one is talking about this, it's leading to lower credit scores, more bankruptcies and even more suicides. First, I've got some cool things to tell you. About two weeks ago here on the show event, host Robert Helms of the real estate guys and I invited you to join us on the terrific Investor Summit at sea, that cruise on the Caribbean. Besides the two of us, there are a number of other great faculty members. Robert Kiyosaki recently announced that he's going to be joining us on the faculty as well. So you'll get to meet and learn from Robert Kiyosaki, and if you happen to be a new listener, he is the top selling personal finance author of all time the. Rich Dad, Poor Dad, author, and he's been our guest here on the GRE podcast four times. Now, I hope to meet you, the listener, in person on the summit at sea in the Caribbean this June, starting out of Miami. Gosh, what an outstanding time that is. It's not a low cost event, however, the minimum cabin in interior cabin is $5,900 and they are more expensive from there if you get nicer accommodations. But all the details are there on GRE podcast episode 539 two weeks ago. I really hope you'll join us and then I can meet you in person.   Earlier this month, Trump established a US sovereign wealth fund, and when he did, I congratulated our frequent contributor here, macro economist Richard Duncan, because Richard championed the establishment of that fund for years. He presented to Congress about it, and Richard was the first ever GRE guest with us back here in 2014 on the Panama coffee farm investing that we've discussed here on the show, Villanova University reached out to them, and they're now collaborating together. It's something I find kind of cool, as a Pennsylvania native and one of my tightest best friends is also a Villanova alum, as for future episodes coming up on the show. Here, imagine if you had a property loan, yet you didn't have to make any payments, and if you did make payments on your loan, then every penny of that payment goes to principal, not to interest. Wouldn't that be incredible? Well, such a thing does exist, and it's not new or experimental or avant garde. People just don't know about this vehicle. We're going to discuss that right here on next week's show, along with some other vital mortgage topics. There are three ways to connect with our education at GRE you're listening to one of them right now, our flagship podcast. Also check out our get rich education YouTube channel, because that is different content than this show. That's the second way, and that show is also on other video first, platforms like get rich education on rumble, and finally, you'll have it all, all three when you get our weekly Don't quit your Daydream newsletter if you don't already get it free now, while it's on your mind, simply text GRE 266, 86, more. Next. I'm Keith Weinhold. You're listening to get rich education.    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS 420056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com    Oh geez, the initial average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself, earn 10% like me and GRE listeners are. Text family to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866.   Robert Kiyosaki  29:31   this is our rich dad Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold and Don't Quit Your Daydream.   Keith Weinhold  29:50   Welcome back to get rich Education. I'm your host. Keith Weinhold, every once in a while, there's an investing adjacent activity that becomes. Is pronounced or become such a trend that it just can't be ignored, and you need to know about it. I recently presented on how gambling is financially derailing so many people today, especially young men and sports gambling and what makes California and Texas special here, the two most populous states, by the way, you'll see, once they legalize this, it's gonna get worse. There are two states where it's not legal yet now investing in gambling. They are two distinctly different activities. Investing is different from gambling. When you invest, you're purchasing a stake in an asset that has value in an effort to generate profit. But gambling doesn't involve taking ownership of anything of value. Instead, betters are predicting the outcome of an event gambling. It's really not a side hustle. I mean, people are constantly losing their families and businesses over this. This will be all new material here on the show as usual, except for a short snippet that includes super CPA Tom Wheelwright. This is about 10 minutes in length. Shout out to the media team here at GRE on the production side. And then after this, I have more to tell you about real estate.    Speaker 1  31:30   America is in the midst of an historic surge in legalized gambling.   Keith Weinhold  31:37   This is the worst thing that people are now doing with their time and money today, it's not losing it to inflation, it's not playing video games. It's being a slack jawed gambling degenerate. We are in the midst of an historic surge in legalized gambling, and the devastation on gamblers, especially young men is a lot worse than you think. I've also got a giant ominous warning for you that seasoned gamblers don't even know about when I bring in my CPA for just a minute here today on the seriously punishing tax implications that should scare anybody out of gambling.    Hi, I'm Keith Weinhold, get rich education, founder, Forbes real estate council member, best selling, author, and long time real estate investor. Almost 60% of 18 to 24 year olds have placed at least one sports bet now that's per the NCAA, and that has surged so fast. I mean, just less than a decade ago, major pro sports leagues shunned gambling, disassociating with it because it was illegal in most places. The big turning point was 2018 that's when the Supreme Court ended a decades long ban on commercialized sports betting. 38 states and DC have now legalized it most with minimum age requirements set at 21 and the two biggest platforms are DraftKings and fam duel. They've got about 70% of the market. But look, you can do this if you're under 21 on platforms like prize picks and flip they offer betting like experiences. They operate under fantasy sports or sweepstakes, and having these apps on your phone that just brings the gambling right to you. It keeps it in your face and addictive. Now it's like you're sitting in a casino when you're on your living room so far, or in your bed or even in the bathroom, there is no escape. Two thirds of Americans live in a state where they can access it on their phones. And look how young some of these gamblers are, what they have to say. And then who's showing up in these gamblers Anonymous meetings   Speaker 1  33:56   today's world is the 16, 1718, year olds, 1921, year olds that get addicted years ago, before, unlike casinos, if we had a person coming in and they're 24 years old, it was rare. All right, now the norm, the real norm, it's kids coming in at 17 years old. That's the norm.    Keith Weinhold  34:16   Well, one big reason why it's such a problem is, look, you can't hide it, so that therefore others can't tell if you're gambling, because you're not, you know, shooting it into your veins, or you're not acting drunk, or you're not smoking anything. See, you can gamble without exhibiting a physical change, so therefore others don't know that you need help. And it is all over the place. I mean, gambling ads air on TV over 60,000 times a year. Celebrities endorse gambling. I mean, some teams put gambling ads right on the field. Brick and mortar sports books are even built inside some stadiums now, Caesars and bet MGM. There are two other big platforms that you might see out there, but I mean, in their commercials, yeah, they can put that one 800 gambler help number on screen and tell you things like, gamble within your limits. But look, here's the thing these platforms, they're not going to cut you off if you continue to lose and they profit. In fact, if you win disproportionately big time after time, and these platforms can kind of tell that you're too smart. You know what they do, like a casino that identifies a card shark in Vegas, they're either gonna curtail your activity or just totally cut you off, alright? So then, by definition, if you have an account in good standing at FanDuel or DraftKings, and you bet a lot, and they keep letting you play well, then you have just signaled to the entire world that you don't know what you're doing, and you are going to lose big, or you already have. I mean, that is baked into the cake. That's how the system works. So therefore these companies are basically mining America to find anyone stupid enough to keep placing these sports bets. Companies are profiting from this, and then states are too. I mean, they've collected billions in tax revenue and FanDuel and DraftKings, see, they're publicly traded companies, so this means that they have shareholders, and those shareholders, they want to see profit and growth. I recently asked decorated CPA and mega popular tax author Tom Wheelwright about tax rates on gambling for just a quick three minutes here. I mean, you won't believe how punishing This is.    Can you tell us about sports gambling taxes and how it's treated   Tom Wheelwright  36:43   yeah. So remember, all income is taxable. So that includes gambling winnings. They are taxable. In fact, you'll get a 1099 just like you would if you rendered services, you know, you'd get a 1099 right? Or you have interest income, you get 1099 you get 1099 from gambling. What you actually have to show is that you actually have gambling losses. So you have to track those gambling losses to show the IRS that you've got gambling losses. But your gambling losses can never be more than your gambling winnings. In other words, you don't you never get to generate a tax loss on gambling. So that means is, is that if you win $10,000 during the year, and you can prove that you lost $8,000 during the year, you're gonna be taxed on $2,000 but if you can't prove the 8000 you're gonna be taxed on 10,000 Yeah,   Keith Weinhold  37:39   so you the gambler have the burden of tracking this, and I guess tracking your losses. I'm not a gambler. How would one track their losses?   Tom Wheelwright  37:47   Oh, I would keep a detailed ledger. Personally, I'd probably have a separate bank account just for gambling. Gosh, that's the way I would do it. I'm not a gambler either. So by the way, it's also a good way to budget your gambling so they, you know, get in trouble, right? So just set up a separate bank account, put whatever money you say, I'm comfortable with this money, I'm going to gamble with this money, put in that bank account, and then you have a ledger that shows the money that went in and the money you lost, the money you won, and don't do anything but gambling in that bank account.   Keith Weinhold  38:18   Hey, that separate account's a great way to hide it from your spouse, not that I'm suggesting.   Tom Wheelwright  38:25   Well, interesting. You went there.   Keith Weinhold  38:29   I'm not a gambler at all. Can't even believe I was thinking that far ahead. What are the gambling tax rates like? They're ordinary   Tom Wheelwright  38:35   income tax rates. So gambling winnings are just ordinary income they're they're the same as your wages. They don't have social security taxes their income, just like any other kind of income, nothing special, okay?   Keith Weinhold  38:47   And this all applies to whether it's sports gambling or general gambling, like lotteries and sweepstakes.    Tom Wheelwright  38:53   Just remember, all incomes taxable unless the government says it isn't all income, okay? And then there's some types of income that are taxed at special rates, like capital gains, but gambling has no special rate, so it's just your ordinary income rates.   Keith Weinhold  39:09   Gosh, to me, it seems like it's, it's hard to break even with gambling over time, and then when you take the tax adjusted earnings that you get from it, you know, over the long term, you know, I just don't think Harris and Bally's Casino is really incentivized to inform gamblers on how punitive this can be with ordinary income tax rates applied to gambling winnings.   Tom Wheelwright  39:30   No, but they will send you your 1090, 9g I guarantee that.   Keith Weinhold  39:34    So can you imagine tracking all that and then paying all that in tax, and this is even if you're on the winning side and then keeping a separate bank account as well. And note that Tom and I were talking federal. There. It gets even worse. Some state laws are punishing, like New York, which has a 51% tax rate on mobile sports wagering bank. Up 28% since states have legalized this and credit scores have dropped now, California and Texas are the two big states, and they still haven't legalized sports gambling. They're the two big ones, and when they do, that's when you'll see more bankruptcy and more people, especially young men in financial ruin. I mean gamblers, Anonymous meetings are filled with people hooked on betting and on stock options trading too, and you know, Worse still, among addiction disorders, gambling has a comparatively high suicide attempt rate. And you know, understand that, while both involve risk, investing in gambling are two different things. When you invest, you're purchasing a stake in an asset that has value in an effort to generate profit. But gambling doesn't involve taking ownership of anything with value. Instead, betters are predicting the outcome of an event. Now, I gambled as a teen on sports, and back then, it was just a friend and I, we would each lay a $20 bill on top of the television at the start of like a Mets versus Phillies baseball game, and then it sure made the game more interesting to watch. There wasn't any sort of app to make it easy, suck me in and make it a recurrent practice. I haven't gambled since. Now that you're aware of the gravity of the problem, the best thing you can do for yourself is to delete those apps off your phone. Because look, I mean every gambler that had their lies flipped over and turned catastrophic at one time, they told themselves, you know, I'm doing this, but it's under control. I mean, everybody once said that the best thing you can do is delete FanDuel DraftKings and any other apps like that off of your phone right now and vow to never do it again. I hope you like that. You know, it's sort of interesting and introspective to me that I would produce a piece of media like this because I am a sports fan. I watched more of the NFL this past season than I have in a while. You know, I'm in a phase of my life, or I'm a pretty productive person, doing research and interviewing guests and producing GRE media. But you know, I justified watching more sports lately because there's room for an entertainment bucket in everyone's life. That's how I feel. And you know, I don't really watch movies. Most movies I watch feel like a waste of my time when I'm done after two hours, because I'm usually disappointed in it. If I ever watch movies, I gotta watch movies on the plane, because even if it was lousy, I got somewhere in the process. So in any case, now, if gambling is controlled, well, then it might be debatable about whether or not it's a vice, like, say you go to Vegas and have your $250 spending limit or whatever.    But just remember, every gambling degenerate once told themselves and everybody that they know that they've got it under control, but yeah, often they didn't around here, we champion owning real estate directly yourself, that is something that is in your control. So we're not talking about REITs, Real Estate Investment Trusts. That's just a publicly owned company and a group of them. It's not real estate tokenization. That means owning digital fractional shares of a property or a real estate investment. I mean direct whole ownership also means it's not a syndication now that might be worth doing, though, that means that you're pooling other investors money. It's not direct whole investing. If you are investing in someone else's syndication, meaning that you're a limited partner and direct real estate investing, it means not being a flipper or a wholesaler. Again, those things might be worth doing, but they're really time consuming, and they're not tax advantaged either. But when you own rental real estate directly yourself, you don't even need to be a landlord. If you choose not to you, then will not be that point of contact for your tenants when others manage it. And yes, because of the five ways that you're paid, you can make the case that real estate has hegemony over other assets, and for the demographic reasons and the inflationary reasons, like the ones that I told you about earlier today, real estate appears poised to continue as the. Hegemon. In fact, recently, so many global hedge funds have dumped every stock that they have, except for the real estate stocks. I shared that article with you in our newsletter recently. That's largely a tariff response. Let me tell you about real properties on GRE marketplace right now that are ripe for owning directly. I mean direct ownership. That's also the easiest to understand. You are paid rent by a tenant that lives there, often through your property manager, and unlike the out of control sports gambler, this is very much in your control. A brand new build single family rental in Columbiana, Alabama, that's just south of Birmingham. Rent is $1,925 the price is $269,900 over 1600 square feet, four, bed, two bath. Now with the new build, expect low maintenance costs. Is currently vacant, get an interest rate of six and three quarters percent with a 25% down payment on this new build, single family rental in Alabama. Then another sample here. This is interesting. The rent on this old build Davenport Iowa duplex is $1,900 which is about the same rent as the Alabama single family rental I just described. But yet the price for this Davenport duplex is just $183,000 Davenport is part of America's Quad Cities with a combined population of about half a million with both duplex sides. It's a combined square footage of almost 2700 square feet, five, bed, two, bath. They're on Brown Street in Davenport, and now, as favorable as those $1,900 combined duplex rents are, since this property is vintage, in fact, it's over 100 years old, you better check closely on the renovations that were made to the property and have plenty set aside for any maintenance and repairs as well, with a 25% down payment, expect an interest rate of just six and one quarter percent. And there are more financing details there. And of course, rates are always changing. The last one I'll mention is this new build, another duplex, this one in Inverness, Florida. This is really interesting too. And now, what do you think when you think of Florida, real estate? Does climate change come to mind? For some people, it does. For some it doesn't, maybe even rising sea levels over the long term. Well, Inverness, Florida is 15 to 20 miles inland, and it's 50 feet above sea level. How about high insurance rates? Does that come to mind with Florida? Well, they're not so high on new build properties, since they're built to today's stringent hurricane standards. Is Florida temporarily over built, even though the nation, in aggregate is under built? Yes, some Florida markets are overbuilt, and that's how you could potentially snag a deal and get this with 25% down, you can get an interest rate as low as four and three quarter percent, yes, and that's showing with zero buyer paid discount points, the combined rent from both sides of this new build Inverness duplex is estimated at $2,830 of course, often you need to estimate a rent range or make an estimate on the projected rent for new builds, because often they're not occupied yet, since they were just built, sales price of just a touch under 420k on the Inverness duplex, and as just one of the five ways you're paid the cash on cash return is projected at 5% yes, your return goes up into the positive cash flow zone when your mortgage rate is as low as four and three quarters percent. I mean, that is really attractive. It also comes with a year of free property management. So there you go, a new build single family rental in Alabama, an old duplex in Davenport, Iowa, and a new build duplex with just killer incentives in Inverness, Florida, and that's just the sampling of real estate pays five ways type of properties. We either help you get started or continue on your path to financial freedom and help you do that. With our completely free investment coaching, we work with you to help you with these properties or others like them or none at all, if it's not in your best interest to invest now at GRE marketplace.com All you need to do to get started from GRE marketplace.com is click on the coaching area and you can get on the calendar for a free strategy session until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 2  50:35   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, Chris,   Keith Weinhold  51:03   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Full show - Tuesday | Let's learn! | News or Nope - Meat bouquets and Duolingo | Schools are banning Crocs | Pranks | T'd Off with T. Hack - Inverness | You be the judge - OnlyFans mom volunteering at school | My dogs are barking | Stupid stories @theslackershow @thackiswack @radioerin

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

The National Farmers Union of Scotland Conference has been underway this week, and Kevin Keane is there, joined by Professor Colin Campbell from the James Hutton Institute, to hear his advice on how farms can become more resilient in the face of climate change.Muiravonside, Falkirk's only country park, features several attractions, from a sculpture and poetry trail to the Avon aqueduct. Rachel catches up with the park's ranger, Claire Martin, to hear about the history and appeal of the estate.Otters have been making a comeback along the Water of Leith, deep in the heart of Edinburgh. Rachel meets with Helen Brown from the Water of Leith Conservation Trust to hear about the lives of these metropolitan mammals.Sunset Song was written by Lewis Grassic Gibbon in 1932, and in 1971 was brought to TV screens across the UK by the BBC, in what is still claimed as one of the finest BBC dramas ever made. Mark learns about the history of the novel, and how the landscape of East Coast of Scotland, ahead of the re-release of the drama for the 90th Anniversary of the author's death.Phil heads out with the Highland VIP group in Inverness, who work to increase the mobility of visually impaired people by bringing them together with sighted volunteers to take part in walks and other outdoor activities.And the Turra Coo, the infamous symbol of a dispute between Turriff townspeople and the government over national insurance and rising taxes, received a shout out from the newly crowned BBC Radio Scotland's Young Traditional Musician of the Year, Ellie Beaton, at the competition's final last Sunday. Rachel heads to Turriff to hear all about the cow and her role in the protests.The River Tweed's salmon fishing has begun once again, and Mark heads down to see how the fish are faring at the beginning of this year's season.We also hear from Anne Woodcock about how important fishing is for the local communities on the banks of the Tweed, and the positive impact it can have on your mental and physical health.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

We speak with the people in charge of a project to map out and organize infrastructure data for Inverness county to help make more efficient and effective decisions about maintenance and spending on things like sewer and water.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Inverness county is planning to consolidate and expand meals on wheels services in the municipality as part of a wider food security program.

Claude Poirier represents district 1, which includes Cheticamp, Pleasant Bay, and Meat Cove.Blair Phillips represents district 2, which includes Grand Etang, Belle Cote, and most of the Margarees.

Rachel is in Lochaber where one of the biggest nature restoration projects in the country is underway. The Nevis Nature Network Project covers 22 thousand acres which includes fragments of Scottish rainforest and rare montane scrub. She met project manager Ellie Corsie for a walk to hear about their restoration vision.Mark is on Calton Hill in Edinburgh hearing about the challenges of repairing our historical buildings. Many of our famous landmarks were built using stone that is no longer quarried in Scotland. Imogen Shaw from the British Geological Survey tells him about their desire for more buildings to be built using Scottish stone to allow quarries to open here.Rachel delves into the history of the Newburgh on Ythan lifeboat, the oldest lifeboat station in Scotland. Charlie Catto has written a book about its history, and she met him at the station to hear about his research. She also hears about the plans of the Newburgh and Ythan Community Trust to take on the building and hopefully restore it to the condition it was in when it was first built in 1877.In the week where competitors took part in the 268-mile Montane Spine Race between Derbyshire and the Scottish Borders, we chat live to world record endurance cyclist Jenny Graham about why people want to take part in these kind of events and how she prepares for them.Mark is on Royal Deeside where a recent collaboration between Aberdeenshire Council and the Cairngorms National Park Authority has resulted in a new stretch of path being built. The Charter Chest Path links up the existing path network and keeps cyclists and pedestrians off the busy road. He went for a wander with Colin Simpson, Head of Visitor Services and Active Travel with the National Park.Back to the Nevis Nature Network Project where Rachel continues her walk with Ellie Corsie to one of the areas of montane scrub they want to protect.Phil Sime takes a walk around Ness Islands in Inverness in the company of historian Norman Newton. Norman tells him about the areas interesting past including being home to a very popular outdoor arena and a dog cemetery.

Episode 193 of The Adventure Podcast features horse rider and adventurer, Jane Dotchin. Jane is an incredible woman. She has been embarking on a remarkable 600 mile horseback journey from her home in Northumberland to Inverness every year since 1972. Now in her eighties, Jane's annual trek, accompanied by her pony, Diamond, and her Jack Russell Terrier, Dinky, has become a testament to resilience, independence, and a style of living that feels lost in the modern world. Traveling with just the essentials, Jane covers up to twenty miles a day, forging connections with people along her route and adapting to the challenges of modern travel which have completely changed her journey over the years. We travelled up to meet Jane in her cabin home in Northumberland and filmed this episode live, sat in a wood store by the river. Hopefully you enjoy this episode with a lady who represents a way of living that we could all learn something from.This episode is available in-vision on our substack channel, The Adventure Podcast+ ; www.theadventurepodcast.substack.com. You can also follow along and join in on Instagram @‌theadventurepodcast.Support this show http://supporter.acast.com/the-adventure-podcast. Hosted on Acast. See acast.com/privacy for more information.

Discover the latest global real estate trends and untapped investment opportunities. Keith uncovers high-yield new build rental properties that can deliver impressive returns, even in today's challenging market. Don't miss your chance to build lasting wealth through strategic real estate investing. Tune in now to get the insider insights you need to get ahead. The podcast dives into dramatic global real estate trends, with home prices skyrocketing over 10% in countries like Colombia and the Netherlands. It also examines the alarming rise in U.S. homelessness, driven by factors like housing shortages and inflation. To counter these challenges, the show spotlights compelling new-build rental properties that could offer attractive returns for passive investors. GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/536 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:02   Welcome to GRE. I'm your host. Keith Weinhold, we look at global home price change, the asset class rundown, then the homelessness crisis is mega bad. It just reached new, unprecedented levels, and real estate and inflation has a lot to do with the homelessness surge today on get rich education.   Speaker 1  0:28   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show. Guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from Kent Washington to Tashkent, Uzbekistan and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education. One reason for a not just national, but global, rise in real estate prices is that you can't fake it. Real property is not a derivative, yeah, you can't fake it. So this really emphasizes the word real in real estate. It's not a crypto within infinite supply. It's not an NFT. You can't fake construction. You can't fake real materials put into property, from concrete to kitchen cabinets. So in the year recently ended, as we catch up to global home prices and select nations, per Fitch Ratings. Let's do that because it was not just a US centric thing. In the Netherlands, the home price change last year was 13% you had that much appreciation in the Netherlands. Colombia, 10% Mexico up 9.3% Brazil had 8% home price appreciation. Australia, 5.2% Australia has just seen year over year home price appreciation for such a long time. The UK had 5% appreciation. Spain, 5% as well. The USA, 4% just like I predicted at the end of 2023 for 2024 It did indeed come in at 4% Canada also had exactly 4% home price appreciation last year, just like the USA did. Denmark 3% Italy and Japan each at two and a half percent. Germany home prices were up just one and a half percent. And France had home prices that fell 3% China had home prices that fell 7.8% that supply versus demand thing in China, where they massively overbuilt, that's why home prices are down there. And as I unveil the depths of the USS homelessness crisis later here on the show, you will see that, yeah, those appreciated real estate prices, like I just mentioned, they have a lot to do with it. Now you might think of the youngest generation, the generation after Gen Z, as generation alpha, and that is true. However, they are no longer the youngest generation, because the babies born on New Year's Day of this year not only got to be featured in feel good local news stories. You know what? They are, also the first members of generation, beta, yeah, which will include children born from 2025 through 2039 so that is the future and the future demographic that's going to demand housing. But first of all, let's look at a year that was yes for years here on the show, we have our asset class rundown shortly after most quarters end, and certainly after a year ends. And today is no different, and this is because at times you've got to compare real estate with the other investment options that are out there. We now have music to play for our asset class rundown feature each time for today and. Future shows. And I know the GRE sound engineer has got to like this. He's also a DJ dropit, Vedrand. Here is GRE 's asset class rundown for the 12 months of last year, residential real estate values were up 4% per the NARS. Single Family existing home price, like I said earlier, single family rents up about 2% per core logic, apartment rents pretty flat, down six tenths of 1% for the year per apartment list, office buildings were down in value 9% the 30 year fixed rate mortgage. It started last year at 6.6% everyone, I mean, everyone, thought that they would go lower, but nope, they ended at 6.9% a little higher. That's per Freddie Mac survey. The s5&p 100 index was up over 23% topping out at 6100 last year. That is the first time the s&p has been up 20% plus in back to back years since 1998 and the s&p is meant to represent 500 companies, but it has become so concentrated due to the rise of the Magnificent Seven stocks that its effective diversification is less than 60 stocks. Morgan Stanley just announced that they expect the SP500, 100 returns to be flat for the next decade due to lofty valuations. Do you know that since 2000 gold has outperformed the s&p last year, gold shot up from about $2,000 peaked near $2,800 and then ended up about 30% for last year, the yield on the 10 year T note was up 63 basis points last year, basically rising from four up to 4.6% by year end. What that means is that that signals higher inflation expectations. Bitcoin up an astounding 111% to end last year around 95k and it topped out at an all time high of 108k oil up just 2% to 72 bucks and a wild card for you. Through October, Bible sales were up 22% compared to the same period versus the previous year. That is GRE 's asset class rundown. It was.    This is get rich education. Let's drop back and do some learning before I update you on housing and the homelessness crisis. Now, a lot of Americans don't really know history that well, and not very many have a good financial education either. But you know, it is quite possible that even the next person you spot in a Trader Joe's aisle has heard of Adam Smith in his landmark 1776 book The Wealth of Nations. Did you know that Adam Smith is the one credited with actually inventing the very concept of supply and demand? Yeah, Adam Smith, a Scotsman is credited with that. He is known as the father of modern economics. You might have already known that. Well, of course, supply versus demand seems to be a more relevant concept than usual. Here with the housing shortage crisis, Adam Smith, he proposed the idea of what he called an invisible hand, that is the tendency of free markets to regulate themselves using competition, supply and demand and self interest, a Darwinian sort of struggle. Really, did you know that he also created the concept of gross domestic product? Yeah, prior to Adam Smith's work, most people considered a nation's wealth based on the amount of gold and silver reserves that they had stored. But Adam Smith said no, it's more about productivity quantified in this GDP in a lot of his work. It also discusses the evolution of human society from a hunter stage with no property rights and no fixed residences, to nomadic agriculture with shifting residences. And then the next stage after that is a feudal society, where laws and property rights are established to protect privileged classes. And finally, that modern society is characterized by laissez faire or free markets, so a good chunk of Adam Smith's work revolved around real estate. Now, the history of economics like that is a phrase that sounds boring. Maybe it is to some people, but as an investor, the least that you should know about Adam Smith's landmark book The Wealth of Nations from the year 1776 is that to review, he invented the supply demand concept. He created the GDP concept, and he championed free markets. That's something you're going to appreciate knowing in your investor life. And also supply demand, as I discussed that in the homelessness problem shortly.    we are a real estate show, and, you know, I just don't hear other real estate shows talk about, well, the unfortunate, I guess, absence of real estate in an increasing number of people's lives now, even if you have a home, learn about how homelessness is gonna make your life worse, too. In fact, it already has. I'm not sure if you've noticed, I will get into that as well. First listen to these two spots, freedom, family investments for an eight to 10% return on your liquid capital and Ridge lending group, they specialize in income property loans. They can really help you, and I would know, because I use them both my self. I'm Keith Weinhold. This is get rich education. Here you go.   Oh, geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself earn 10% like me and GRE listeners are. Text family to66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, you can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Ken McElroy  12:41   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  12:57   Welcome back. You're listening to get rich education Episode 536, I'm your host. Keith Weinhold, it is bad. America just hit a record high homelessness number, and it is up double digits, over 18% in just one year. It is even worse when we look at family homelessness and the rise in that and gosh, get this unaccompanied youth homeless, meaning like a 15 year old kid homeless and drifting by themselves. And this is all in the most powerful nation in the world. And even if you have a home. Homelessness is gonna make your life worse, too. We'll also look at how Trump wants to address this. It is major. And finally, are there any solutions to the homelessness crisis in America today? Well, there are now over 771,000 homeless in America, that's up from 653k just last year. And yes, the homeless can be hard to count, but as long as the methodology stays the same, I mean, there you go with the 18% increase. And here's the thing from all the years, from 2007 to 2023, all 16 of those years, we only saw a total increase of 19% during that entire span, and now 18% in just one year this latest year. I mean, talk about exponential and accelerating homelessness growth. And before I tell you about why this is happening, let's get a better idea of the gravity of this sad situation here, and this is all from HUD's newly released annual homelessness assessment report to Congress among subgroups families with children saw the biggest increase as. At 39% year over year. You think that's sad, but consider how sad this is. Unaccompanied homeless children, they're up 10% in just a year, and that was only up 3.4% all of the previous 16 years combined. Veterans are the only group to see a decrease, and the number of homeless people over 65 so we're talking seniors here that is expected to almost triple by 2030 that is just five years away, and it is just widespread too. I mean, nearly no US geography is immune from this spike in homelessness, from Florida to Maine to California to Alaska. Now, even if you have a home, the shoes of that are pretty good, if you're listening to me, you know, why does this even make your life worse? Well, of course, first of all, homelessness can make your city blighted. But beyond that, just think about how many ways it's just changing your week in and week out routine. I mean, have you noticed, like, just take, for example, when you or I walk into some grocery stores anymore. I mean, I notice how different things are than they were just say, five years ago. I mean, you've got to notice some of these things now, more often than there was just a few years ago, there's an armed guard when you walk into a store near the entrance. Well, someone is paying for that security, whether it's the store passing the price along to you, or whether it's a government or municipality paying that, well, that's where your tax money goes. And what about when you're shopping the aisles of a supermarket, or, say, CVS? Well, now even kind of moderately priced items like bottles of moisturizer, they are under lock and key behind a Plexiglas case. That's inconvenient while you're shopping if you need to use the bathroom, oh, now you need to go get a key or learn the door code to access the bathrooms. That's inconvenient when you're done and as you walk out of the store now, they are more likely to have an attendant that checks your receipts on the way out, and this is just one example at the supermarket. I mean, so many of your patterns are changing due to poor people getting poorer, and the homelessness crisis, if you're in a rural area, it probably affects you less. But just take a look around and notice the change. We're not talking about the change from your parents era, but just in your own life over the past, say, three to five years, homelessness is not good for an area's crime rate either. I mean, it is not good to have desperate people, hungry people, these people have nothing to lose if you're homeless and you commit a crime and go to jail. Hey, that might be an upgrade for some people now you've got a warm, clean place to stay in jail. So now that you and I understand more about why this even affects you and I let's talk about why is homelessness growing at this alarming rate, well, higher prices for real estate, which really accelerated in 2021 and they are not going to relent. As I've said elsewhere, home prices are not going to go down in a meaningful way anytime soon as just three weeks ago. Here on our forecast episode, I forecast another 5% of national home price appreciation this year. And it's not just higher prices, it's higher rents. Rents really started taking off in 2021 as well. Well. Higher rents, that means more evictions, and an eviction is the start of homelessness for a lot of people. And a third reason for this surge in homelessness is just that overall lack of housing. I have covered that extensively elsewhere. Yes, the housing supply crisis, and as I'm known for saying, the housing crash already occurred. Did you miss it? It was a supply crash that occurred about five years ago, and a lot of agencies think we're under supplied by 3.7 million housing units. Now, when you look at the new HUD supplied map of homelessness by state, you can very much see that it is about housing, because those regions with the highest home prices generally have the most homelessness. We're talking about the Northeast, the West Coast and Hawaii. And the fourth reason for the homelessness surge is that, of course, inflation started accelerating about four years ago, and people just cannot make ends meet anymore. CPI inflation peaked at 9.1% back. In June of 2022 and year over year, prices are still going up 3% today. Prices are not going down. They're just rising at a slower rate. And of course, inflation hurts the poor and actually helps the wealthy, exacerbating the inequality Canyon the wealthy have assets. Those assets float up in value with inflation and the prices at the grocery store are just a tiny part of a wealthy person spending. But the poor don't own assets that float up with the inflation and higher grocery prices and things like electric bills, well, they comprise a big part of a poor person's income. And fifthly, the massive arrival of immigrants pushed up homeless numbers these past, oh, three or so years. And it remains to be seen how many of those people really get deported. And you know, a sixth reason for homelessness. It's not something new, it's what I'll call all of these background reasons that have been there for decades and are not going away, like how a medical emergency can even drain a middle class person's savings and things like ongoing substance abuse. I mean, drug users often cannot stay employed. So there you have it. What was that? Six big reasons that I've identified for surging homelessness now let's see what Donald Trump has to say and understand that, due to last June Supreme Court decision, Trump now has got more power to clear out encampments and make life for the homeless more difficult, opening the door now to be criminally charged for trespassing and illegal camping. I mean, you really don't want to be homeless today as part of what Trump calls his agenda 47 his plan to tackle homelessness. Here is his preamble.    Donald Trump  21:57   Our once great cities have become unlivable, unsanitary nightmares surrendered to the homeless, the drug addicted and the violent and dangerously deranged. We're making many suffer for the whims of a deeply unwell few, and they are unwell. Indeed, the homeless have no right to turn every park and sidewalk into a place for them to squat and do drugs. Americans should not have to step over piles of needles and waste as they walk down a street in a beautiful city, or at least once beautiful city, because they've changed so much over the last 10 years.    Keith Weinhold  22:40   So that's the problem. Here's the solution. I'll boil down the meat of the Trump agenda, 47 homeless statement to just the most salient 40 seconds for you here. Just listen to this, and as you listen in closely, note that this is not a housing first plan for the homeless. Instead, it's treatment first.   Donald Trump  23:03   Under my strategy, working with states, we will ban urban camping wherever possible. Violators of these bans will be arrested, but they will be given the option to accept treatment and services if they're willing to be rehabilitated. Many of them don't want that, but we'll give them the option. We will then open up large parcels of inexpensive land, bring in doctors, psychiatrists, social workers and drug rehab specialists, and create tent cities where the homeless can be relocated and their problems identified. But we'll open up our cities again, make them livable and make them beautiful.   Keith Weinhold  23:43   Okay, it's not housing first, because, see, he wants to ban urban camping, something that parallels the Supreme Court decision. What this is not is that it is not giving the homeless hotels in the city, like some cities have recently done, converting their hotels into homeless shelters. Instead, this is designating large parcels of cheap land for tent cities, but outside the urban core, like in a big grassy lot, and then bringing in social workers and rehab specialists for them, and that way, his solution is that this city is free of homeless people, and really that is the crux of Trump's plan. But what are some other solutions here? And these are now my insights, not Trump's, that is, build more housing. That's really simple. I mean, this will naturally slow down, accelerating home prices and spiking rents, and we've got to relax regulation and zoning. We had a zoning expert, Nolan gray on the show here last year. Some scholars believe that we should just eliminate zoning in America completely. And one. One way to relax regulation is to Gosh, revisit some of these over the top safety concerns. I mean, look, it increases the cost of the most basic entry level housing when every home needs to have all these thick, fire rated doors and smoke detectors all over the place, and carbon monoxide detectors everywhere, and GFCI electrical outlets all over the place. I mean, hey, it sounds kind of funny to say out loud, but all this stuff contributes to making affordable housing impossible. And another solution is that you've got to kill nimbyism in a lot of cases, yes, that not in my backyard. Ism, you know, a person can act like they're all pro development, and like they're all free market, and they want to have their home built just how they want it, where they want it, but you know what, as soon as their home was built, they don't want others moving near them, yeah, somehow the free market's not so great anymore, okay? And they sure don't want apartment buildings nearby. Well, that is what we need, allowing taller structures to be built. That is called up zoning. It doesn't have to be a gigantic apartment building either. We need more, mmm, properties, multi families, missing middle. That means building more two, three and four unit structures in single family neighborhoods, duplexes, triplexes, fourplexes, because a lot of those can be built so that they look like single family homes. But yet it's something affordable and it helps with density. Another solution to deal with homelessness is to, of course, bring down inflation. The government needs to stop printing, say, $1 trillion to pay for a program, whether that's sending aid to foreign nations or whatever that program is. When more dollars are created like that, it debases the currency everyone else is holding on to, including your dollars, and it makes everyone from landlords to grocers have to raise their prices. And you know, here's the funny thing in the last election for president that we had last year, well, that administration got voted out of office, and many say that the number one reason was due to high inflation, but yet, look at what they voted for with the incoming administration. Everyone expects higher inflation. So there's a real paradox there.    On our YouTube channel, you can watch videos of me going out outdoors and interviewing the homeless. In fact, I'm surprised at how many homeless let me into their tents, and they wanted to show me their makeshift shelters and tell me about their life. I mean, that's kind of the good news. They were open. They were friendly people. I think they really wanted that to get exposed, because they were hoping that people would see that to come do something for them. I think that's why they've been so open with me. So that was good on the flip side, oh gosh. One thing that they have in common is that they all seemingly want to blame somebody else for the condition that they're in other than themselves, like the government or including telling me that landlords are greedy. But it really is fascinating to see from our get rich education YouTube channel, which is different content from this show. Just search the word homeless there on the get rich education YouTube channel and you can see it.    Hey, I want to ask you something. What is your on ramp to real estate investing? Like, how did you approach it? Or how did you get into it? I mean, mine was as a disgruntled employee. That's it. I didn't come from a complimentary professional place. I mean, that's how I became an investor, and there was nothing wrong with my job position. Specifically, I worked with good people and everything. In fact, I had an easy and safe job, and it paid a little bit well. But, you know, safe is not the place to be. Safety is the opposite of freedom. As an employee, you know, I could see that 401 K type plans. They were designed so that you don't get income from them until you're old. It's a salary reduction plan all those working years as well. Well, no wonder that your employer encourages participation in them. That way they're going to keep you working as an employee until retirement, because that's when they're designed to generate income. But see my point here, really is that I did not have a complimentary skill set to real estate investing, and if you do, it can be to your advantage. So you know what I mean. Let's take a couple of friends of. The show here, Robert Helms, host of the terrific real estate guys radio show. He came from a real estate agent family. His dad was an agent. Well, that can help you find deals. How about Ken McElroy, another frequent guest on the show here, very successful real estate investor. Well, he was a property manager before he became a real estate investor, totally complementary skill set. And by the way, two months ago in New Orleans, I was invited to participate in a collective inner circle mastermind group session that Robert and Ken help run. That was cool, but getting back to complementary skill sets, Michael Becker, a former guest here on the show, he was a lender, so he got to see the paperwork of all these successful investors. So he became one himself. I mean, as a lender, you keep seeing savvy investors leverage themselves with debt and then do cash out refinances, a tax free windfall event, all while they keep the asset too well. He wanted to get in on some of that. And I also know real estate investors that started out as handymen, okay, a hands on trade that can totally help when you're starting out as a real estate investor. So do you have a complimentary skill set that can help make you a successful real estate investor. If you don't, then don't despair, because you know what? I don't have one myself. I was just a former employee that wanted something else. I don't have a complimentary skill set to real estate investing. No transferable professional skill. Instead of that, I just became a reader, but not a massive reader. Of course, I was a learner before I was a teacher. I enjoyed learning this stuff, and I also got a good grasp on the numbers and how that works. But importantly, my advantage was I take action, I just keep adding property to my portfolio. You just got to keep doing that, regardless of what's happening in the larger economy or what prices are or what interest rates are.    And as you know, last week, I discussed the advantages of owning and building with brand new build rental property today, and you know, new build and these build to rent properties, those are things that that really wasn't even available when I started out investing. Well, it wasn't. I mean, with new build, oh, your maintenance repair costs are going to be low. You tend to attract a high quality tenant that also tends to stay for a while. Insurance costs tend to be lower on new build. And there's a bigger advantage than all of that in the market cycle right now that I'll get into shortly. Well, historically, the long run average. Do you have any idea what proportion of homes for sale are new build homes? Any guess, like, what share of those homes are new? It's only about one in eight. Yeah, the Census Bureau and the NAR tell us that it's 13% historically. Okay, well, what do you think it is today? Well, today, that number is up. Existing homeowners, they're not selling those homes aren't getting on the market as often due to the lock in effect, and we have to add supply. So in order to do that, we are building more new there's just no other way to bring it to market. Well, today, the proportion of new build homes for sale among all homes for sale is fully double that, at 26% although we're still undersupplied of homes in the US by about 30% you know there are pockets where they've overbuilt with new builds, including in Florida and Texas. So the time could really be right to expand your income property portfolio in one of those places, because builders that we work with at GRE marketplace are really willing to give you a deal now you've got them right where you want them if you're looking for a deal. How does a four and three quarter percent interest rate sound? Yes. Rates on non owner occupied property are about eight right now. They're about seven on owner occupied property, but we've got builders willing to buy your rate down to 4.75% and they're also offering one year of free property management and three months of rent guarantee protection in case your property is not occupied right away. The first one is a brand new build duplex in Inverness, Florida, two beds, two baths, each side, price of 420k projected rent from both sides at $2,830 and the size is 2100 square feet. I mean the. That sounds like it could make your cash flow thin, until you consider that 4.75% fixed mortgage rate the property tax is about one and a half percent and insurance get this projected at just $1,155 a year for an entire new build duplex, and now you might ask, what could the rate of return be on this Florida duplex new build? Well, I projected 5% appreciation for this year. New builds tend to appreciate better than existing property, but let's just use 5% if you have a 25% down payment, that's four to one leverage. So you've got a 20% return on your money. And let's just keep it conservative. When we look at monthly cash flow, that results in a 5% cash on cash return. Add that to your 20% leverage appreciation, you're up to a 25% ROI already. Add in the fact that your tenant is paying down your principal for you by $405 every month. That's 4860 annually, divided by your 105k down payment. That means you've got another four and a half percent return here. Let's just call it four. You're up to a 29% total ROI we haven't even added in yet, your tax depreciation benefit, and now you're up to a return in the mid 30s. Finally, your inflation profiting benefit on your fixed amortizing debt, and you are well into the 40s for a percent return on an annual basis. And of course, most of these are only projections. It could disappoint you at 30 or less, still a nice return, or it could over perform at 50% or more. I mean, this right here is how wealth is built. I mean, this is how you do something that disrupts your entire family tree that was the new build duplex. Then I'll share one other one with you. Here from GRE marketplace. Is a single family rental. This one is in Locust Grove, Georgia. Gosh, it looks really good in the photo here with a two car garage and some brick facing, its price is 339k rent is 2350 The size is 2164 square feet, so only a little bigger than the duplex here in this new build, Georgia, single family rental, four beds, two baths, beautiful looking new construction on the inside, open floor plan, stainless steel appliances, I can't tell whether the floor is LVP or wood laminate, but it's got a flooring type that's resilient, that tenants like, and your rate of return is going to be similar to the duplex ROI that I laid out, though probably not quite as high as the duplex. I mean, with these interest rate buy downs, these could very well be the property types where, in just five years time, maybe even as little as two or three years time after owning them, you look back and you consider how opportunistic you work in this part of the market cycle where there are now more new builds that you can choose from, and a builder was willing To make you a deal to keep their product moving, because they build a little too much in some pockets of Florida, for example. So yes, these and more like them are available, and there are more in Florida, Georgia, Alabama and a number of other states. And you know, something I don't think I shared with you earlier, it's convenient. You can get a spot with one of our GRE investment coaches right on their calendars, you can look at their calendar and pick a date and time that's convenient for you. For a free coaching session, they will learn about you. They'll let you know where the real deals are, if they're right for you at all, all you've got to do is visit GRE marketplace.com, and click on the free investment coaching area. There you are with some real opportunities and an actionable resource. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  39:17   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 you   Keith Weinhold  39:45   The preceding program was brought to you by your home for wealth, building, get rich, education.com    

Prince Andrew, the Duke of York, has been reported to the Metropolitan Police by the anti-monarchy group Republic for allegedly using a false name, "Andrew Inverness," on official company documents. This accusation pertains to Naples Gold Ltd, a private investment firm he co-founded in 2002 with sports tycoon Johan Eliasch. Republic's chief executive, Graham Smith, contends that this act violates the Companies Act 2006, which mandates accurate disclosure of directorial identities. The Metropolitan Police have acknowledged the report and are currently assessing whether further action is warranted.This incident adds to a series of controversies surrounding Prince Andrew, including his associations with convicted sex offender Jeffrey Epstein and an alleged Chinese spy, Yang Tengbo. Such actions not only reflect a disregard for legal standards but also undermine public trust in the integrity of the royal institution. The use of a pseudonym, especially one linked to his official title as Earl of Inverness, suggests an attempt to obscure his involvement in private financial ventures, raising questions about transparency and accountability. Given his history of questionable associations and decisions, this latest revelation further tarnishes his reputation and calls into question his judgment and adherence to ethical standards expected of a public figure.(commercial at 8:46)to contact me:bobbycapucci@protonmail.comsource:Prince Andrew reported to the POLICE after 'using fake name' amid saga around private investments company | Daily Mail Online

Prince Andrew, the Duke of York, has been reported to the Metropolitan Police by the anti-monarchy group Republic for allegedly using a false name, "Andrew Inverness," on official company documents. This accusation pertains to Naples Gold Ltd, a private investment firm he co-founded in 2002 with sports tycoon Johan Eliasch. Republic's chief executive, Graham Smith, contends that this act violates the Companies Act 2006, which mandates accurate disclosure of directorial identities. The Metropolitan Police have acknowledged the report and are currently assessing whether further action is warranted.This incident adds to a series of controversies surrounding Prince Andrew, including his associations with convicted sex offender Jeffrey Epstein and an alleged Chinese spy, Yang Tengbo. Such actions not only reflect a disregard for legal standards but also undermine public trust in the integrity of the royal institution. The use of a pseudonym, especially one linked to his official title as Earl of Inverness, suggests an attempt to obscure his involvement in private financial ventures, raising questions about transparency and accountability. Given his history of questionable associations and decisions, this latest revelation further tarnishes his reputation and calls into question his judgment and adherence to ethical standards expected of a public figure.(commercial at 8:46)to contact me:bobbycapucci@protonmail.comsource:Prince Andrew reported to the POLICE after 'using fake name' amid saga around private investments company | Daily Mail OnlineBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

It's our final (new) free episode for the year! Lucy, Theo, Andrew, and Ben bring you: The shadow Cooterfest is casting over Inverness, the return of a treasured ball, Ohio's most high profile katanas, the sordid past of a beloved giraffe, and the Clipping Report. *** Outro: Christmas Time is Here - Khruangbin *** Support our show and get exclusive bonus episodes by subscribing on Patreon: www.patreon.com/BoontaVista *** Email the show at mailbag@boontavista.com! Call in and leave us a question or a message on 1800-317-515 to be answered on the show! *** Twitter: twitter.com/boontavista Website: boontavista.com Twitch: twitch.tv/boontavista

We head up to the Scottish Highland city of Inverness, and back to the early 2000's this time on The True Crime Enthusiast Podcast, for a harrowing tale of a crime that shocked Scotland to the core, a definition of cruelty, evil, and a hauling over the coals of a system that, so tragically, failed a little girl.5 year old Danielle Reid. Hers is a name that following this, I doubt you will forget.The episode contains details and descriptions of crimes and events, including descriptions of injury detail, involving a child, that some listeners may find offensive or distressing, so discretion is advised whilst listening in. Music used in this episode: "The Descent" by Kevin Macleod. All music used is sourced from https://filmmusic.io/ and used under an Attribution Licence (https://creativecommons.org/licenses/by/4.0/) The Lathums - Stellar CastJack White - You Got Me SearchingThe True Crime Enthusiast's Fundraiser For Macmillan Cancer SupportReferences - Assorted articles from the BBC, The Free Library, Herald Scotland, The Scotsman, Daily Record, Aberdeen Evening Express, Aberdeen Press And Journal - sourced online and through the British Newspaper Archive. Produced upon request.Herbison Report - Danielle ReidFollow/Contact/Support The True Crime Enthusiast PodcastFacebookFacebook Discussion GroupTwitterInstagramYoutubeWebsiteTTCE MerchandisePatreon Page Remembering Danielle. The episode is dedicated to her. Hosted on Acast. See acast.com/privacy for more information.

Master golf architect Tom Doak takes Erik on a walk through the shaped fairways of his newest creation: Old Petty at Cabot Highlands outside of Inverness. Listen to the Scottish breeze as one of the greatest living architects gives a rare behind-the-scenes look at Scotland's next top 100 golf course.Use code RGC20 for 20% off at https://seshproducts.com. Warning: This product contains nicotine. Nicotine is an addictive chemical.Book your next Scotland trip at MarineandLawn.comThe EAL Show is brought to you by L.A.B. Golf! Get your remote fitting here: RandomGolfClub.com/pages/lab-golfFind a Long Drink supplier near you! www.thelongdrink.com/RGCCraving more golf podcast content? Make sure to SUBSCRIBE to RGC Radio YouTube Channel.Follow us!RANDOM GOLF CLUBwww.randomgolfclub.comIG: @randomgolfclubTwitter: @randomgolfclubTikTok: @randomgolfclubofficialERIK ANDERS LANGIG: @erikanderslangTwitter: @erikanderslang

Phoebe reads a chapter a day of Baroness Orczy's Lady Molly of Scotland Yard. Read along. Our other shows are Criminal and This is Love. You can listen to Phoebe Reads a Mystery, Criminal and This is Love without any ads by signing up for Criminal Plus. You'll also get behind-the-scenes bonus episodes of Criminal and other exclusive benefits. Learn more and sign up here. Learn more about your ad choices. Visit podcastchoices.com/adchoices