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Discussions at the recent Group of Seven Nations meeting point to the continued development of a multipolar world, as supply chains become less global and more local. Investors should watch for opportunities in this disruption.----- Transcript -----Welcome to Thoughts on the Market. I'm Michael Zezas, Global Head of Fixed Income Research for Morgan Stanley. Along with my colleagues bringing you a variety of perspectives, I'll be talking about the recent G7 meetings and its implications for markets. It's Wednesday, May 24th at 9 a.m. in New York. Over the weekend, President Biden traveled to Japan for a meeting of the Group of Seven Nations, or G7. G7 meetings typically involve countries discussing and seeking consensus on a wide range of economic and geopolitical issues. And the consensus they achieved on several principles underscores one of our big three secular investment themes for 2023, the transition to a multipolar world. Consider some of the following language from the G7 communique. First, there's discussion of efforts to make our supply chains more resilient, sustainable and reliable. Second, they discuss, quote, "Preventing the cutting edge technologies we develop from being used to further military capabilities that threaten international peace and security." Finally, there's also discussion of the, quote, "importance of cooperation on export controls, on critical and emerging technologies to address the misuse of such technologies by malicious actors and inappropriate transfers of such technologies."So that all may sound like the U.S. is drawing up hard barriers to commerce, particularly with places like China. But importantly, the communique also states an important nuance that's been core to our multipolar world thesis. They say, quote, "We are not decoupling or turning inwards. At the same time, we recognize that economic resilience requires de-risking and diversifying.". So to understand the practical implications of that nuance, we've been conducting a ton of research across different industries. My colleagues Ben Uglow and Shawn Kim have highlighted that the global manufacturing and tech sectors are very exposed to disruption from this theme. But their work also shows that capital equipment and automation companies will benefit from the global spend to set up more robust supply chains.So bottom line, the multipolar world theme continues to progress, but the disruption it creates should also create opportunities. Thanks for listening. If you enjoy the show, please share Thoughts on the Market with a friend or colleague, or leave us a review on Apple Podcasts. It helps more people find the show.

Why equity real estate investment trusts should be part of your investment portfolio despite the office sector's struggles.Topics covered include:Why some office REITs are down 30% in 2023, and owners are walking away from buildingsHow commercial mortgages differ from residential mortgagesThe broad sector diversification found within equity REIT ETFsWhat have equity REITs performed long-term and what drove those returnsWhat is a reasonable return expectation for equity REITsWhy equity REIT prices adjust more quickly than private real estate valuesWhy you should be wary of private REITsSponsorsBrooklinen - Get 20% off for their Memorial Day weekend saleMoney Pickle – Schedule a free 45-minute video chat with a vetted financial advisor and ask them anything about your financial situation. Go here to schedule your free session.Insiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter.Show NotesSlow Return to Work Pummels Office Stocks by Peter Grant—The Wall Street JournalREITs Likely to Attract Growing Interest from Private Real Estate Funds by Sarah Borchersen-Keto—NareitRelated ContentA Complete Guide to Equity REIT Investing414: Use Caution with Private REITs like Blackstone's BREIT428 Plus: CMBS Risks, ETF Replacements for Money Market Mutual Funds, and Comparing Two Value ETFsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A.M. Edition for May 23. The risk of a U.S. debt default is sending investors searching for new safe havens, including in the bonds of America's top-rated companies. Plus, Ukrainian-backed forces stage a cross-border incursion into Russia. And the Journal's Stella Yifan Xie explains how rising youth unemployment in China is raising economic and political red flags in Beijing. Luke Vargas hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kyle Ransford is the CEO of Cardinal Investments, which focuses on value-add repositioning to achieve cash-out refinances. In this episode, Kyle discusses his firm's strategy to getting investors 100% of their capital back in two to three years and how they approach underwriting to close on the best deals.   Kyle Ransford | Real Estate Background CEO of Cardinal Investments, which focuses on value-add repositioning to achieve cash-out refinances, then hold for cash flow.  Portfolio: Over 50 apartment buildings 8 commercial non-residential properties with two in development Based in: Los Angeles, CA Say hi to him at:  cardinalinvestments.com Best Ever Book: Getting to Yes by Roger Fisher Greatest Lesson: Don't underestimate costs, and be realistic about timeframes and capital needed to execute on deals.   Click here to learn more about our sponsors: MFINCON BAM CAPITAL

Today we dive into the world of social media - and how us investors can best use it! We sit down with Adam Fishkin a social media expert to discuss the following: Which platform to focus on What kind of content Video vs Photo vs Tweets How to monetize a following Links: Adam on Instagram https://www.instagram.com/adamfishkin/ Adam on Twitter https://twitter.com/adam_fishkin/media Steadily - Insurance Built for Investors⁠⁠⁠⁠⁠ https://resilientrei.steadilypartner.com BrightInvestor - Real Estate Data Visualized https://brightinvestor.com/?ref=mzg4mmu ⁠⁠ ⁠⁠⁠⁠⁠Innago - Free Property Management Software⁠⁠⁠⁠⁠  https://innago.com/best-rental-management-software-mbl/?utm_source=ResilientREI&utm_medium=Referral&utm_campaign=Email ⁠⁠⁠⁠⁠ Signup for the Newsletter⁠⁠⁠⁠⁠  https://www.getrevue.co/profile/ResilientREI ⁠⁠⁠⁠⁠ Contact / Advertising Inquiry⁠⁠⁠⁠⁠  https://resilient-rei.com/contact-advertise-inquiry/

Investing in notes can be a great way to earn higher returns, but it requires hands-on work and dedication to ensure success. In this episode, Fred Moskowitz shares his journey of realizing he was too dependent on his paycheck and turning to alternative investments for cash flow. He dives into the scalability of note investing, the different types of notes available in the market, and their risk levels. Fred discusses whether investing in individual notes or note funds might be more suitable depending on an investor's time availability and risk profile. Tune in now for all this information and more! Fred Moskowitz is an educator and best-selling author who has trained countless investors from all walks of life on how to create their own passive income streams. Fred teaches the concept that individual investors are able to step into the shoes of the lender through note investing and effectively "be the bank." [00:01 - 08:26] Opening Segment • Fred Moskowitz shares his background of transitioning from a computer engineer to note investing How he realized he was too dependent on his job and wanted to build other income sources • How Fred explored different alternative investment styles and found note investing appealing Notes are bought and sold at a discount depending on the risk taken [08:27 - 17:04] Investing in Residential Property Notes • How to make money and scale your investments • What allows lenders to recapitalize and originate new loans quickly • Notes are bought and sold every day, sometimes going through multiple owners Investors buy discounted notes for liquidity purposes [17:05 - 25:56] The Benefits of Scalability and Risk Management • How investing in notes can yield higher returns than traditional investments • There are multiple ways to access capital for note investing The risk of note investing depends on the type of note and the investor's risk tolerance • An excellent option for passive investors who don't want to be involved in the management of the notes [25:57 - 33:52] Closing Segment • Loan servicing companies manage the day-to-day operations of the note for a low fee. • Note investing is scalable and requires hands-on work to Connect with Fred: Website: Fred Moskowitz Instagram: @thefredmoskowitz Phone: Keyword MONEY to 215-461-4433 Download Fred's special report on note investing at https://www.giftfromfred.com/  Resources Mentioned: The Little Green Book Of Note Investing Key Quotes: “I came to this realization that no matter how good of an employee I was or how valuable of an employee I was, I could quickly lose my job through no fault of my own.” - Fred Moskowitz “When you have a good reputation in the industry, you do what you're going to say you're going to do, and you deliver on what you promised.” - Fred Moskowitz “No matter what you're doing, always invest in yourself. It's the best investment that you can make.” - Fred Moskowitz WANT TO LEARN MORE? Connect with me through LinkedIn. Or send me an email at sujata@luxe-cap.com Visit my website, www.luxe-cap.com, or my YouTube channel. Thanks for tuning in! If you liked my show, LEAVE A 5-STAR REVIEW, like, and subscribe!

Reviewing an article about the dangers of retiring before the age mandated by social security, Del Walmsley shreds the rationale that the only way to reach retirement is by working, earning, and saving your way to wealth. Click to Listen Now

To access a FREE collection of resources, go to www.TheMaverickVault.com   Navigate the complexities of real estate lending and financing options with today's guest Michael Balan who shares insider tips on finding the right lender for your business needs. Tune in and equip yourself with his expertise to uncover more opportunities and profit for your property investments.   Key Takeaways From This Episode Differences between bank and life insurance loans  Risks and opportunities associated with borrowing funds for your business  Factors influencing rental increases and how lenders evaluate them  The value of disciplined lending and not overanalyzing deals  Expert tips to maximize investment returns for property investors     About Michael Balan Michael has been in the commercial real estate industry since 1997, closing over $1 billion in loans. He joined Thomas D. Wood and Company after working at NorthMarq's Miami office, where he assisted clients with various capital stack options. In 2021, he founded Asset Resolution Trust to help lenders sell non-performing notes discreetly and profitably. Michael has experience in traditional banking, franchise finance, and CMBS lending. He is an active member of the International Council of Shopping Centers and has held leadership positions in Business Networking International. He is a licensed real estate sales associate in Florida with a Bachelor's degree in Management from the University of Maryland. He is involved in various organizations, including the University of Maryland South Florida Alumni Association, Miami Beach Police Athletic League, and Boy Scout Troop 65.   Connect with Michael  Website: Asset Resolution Trust | Thomas D. Wood and Company Real Estate Capital  LinkedIn: Michael Balan   Are you a passive real estate investor seeking financial freedom? Almost daily, new headlines break on the latest financial market upset. Now is the time to get educated on how to strategically invest in commercial real estate for long-term financial freedom. Grab your copy of “How to Passively Invest in a Changing Economic Environment” Go to…www.MavericksInvest.com  Want to keep up to date on the commercial real estate market, trends, investing tips and know what Neil is buying right now? Connect with him at Legacy Impact Investors and be sure to register for his newsletter.  Connect with Neil Timmins on LinkedIn. If there is a topic you want to know more about or a guest that you would like to see on the show, shoot Neil a message on LinkedIn.  Are you an Active Investor looking to do more commercial and residential deals? Maverick Lead Machine   About Neil Timmins Having completed hundreds of Fix & Flips, Wholesales, Wholetails, Novations, and Owner-Financed deals, Neil longed to quit forfeiting time for dollars. After building a portfolio of single-family rentals to produce passive income, he found the strategy to be anything but passive.  Neil didn't go looking for his first commercial deal—he stumbled into it. Since then, he has refined the process of analyzing and buying commercial properties that produce stellar cash flow.  Neil has been involved in over $300,000,000 in real estate transactions. While his holdings in commercial assets include apartments, offices, mobile home parks, and self-storage units, his passion is industrial property. Neil now has verticals in residential real estate, multiple commercial asset classes, brokerage, publishing, and a successful podcast.   Click here to see video of the podcast. 

Bikran Sandhu is the CFO and co-founder of Rise48 Equity, which acquires commercial multifamily apartment properties, strategically adds value, and creates passive income for its investors. In this episode, he talks about what it takes to scale a multifamily syndication company, the metrics he uses to select target markets, and the biggest factor he's keeping an eye on to avoid foreclosure.   Bikran Sandhu | Real Estate Background CFO and co-founder of Rise48 Equity Portfolio: $1.4B of multifamily properties Based in: Phoenix, AZ and Dallas, TX Say hi to him at:  rise48equity.com Best Ever Book: Good to Great by Jim Collins Greatest Lesson: Finding the right partner with a complementary skill set.   Click here to learn more about our sponsors: MFINCON BAM CAPITAL

Jason hosts Rick Sharga from C.J. Patrick Company who spoke about the current state of the economy and housing market. They discussed the cause of the resilience of the housing market despite 10 consecutive massive rate hikes. Rick stated that this is due to the large cohort of young adults currently coming of age and forming households, and the fact that people like having a roof over their head. They concluded that despite the rate hikes, the housing market is doing well. Rick discussed how demographics and the Fed funds rate increase have affected the housing market. He noted that in 2021, mortgage rates had doubled in a calendar year for the first time in history, leading to a higher cost of monthly payments for home buyers. He also mentioned how 70% of homeowners have mortgage rates of 4% or lower, which means they are not in a hurry to take on a higher rate. This is keeping inventory levels low, combined with growing demand, and causing prices to remain stable. He also noted how this is frustrating those who predicted a housing market crash. Rick Sharga and Jason Hartman discuss the current foreclosure rate, which is about half of the normal rate. They state that 93% of borrowers who are in foreclosure have positive equity. Of those 270,000 borrowers in foreclosure, 100,000 of them have 20-50% equity, 60,000 have more than 50% equity, and 20,000 have more than 75% equity. They also discuss the current state of the housing market. Mortgage rates have been increasing, but they seem to be stabilizing in a band between 6.25% and 6.75%. Existing home sales, inventory levels, new home sales, and rental pricing are all up from last year. Investor activity is also up. The Fed indicated at their last meeting that rates will remain stable until June. Key Takeaways: Jason's editorial 1:17 Crash bros are just wrong 2:57 In Nashville, inventory is super low; awesome financing offers  Rick Sharga interview Part 1 4:47 Welcome Rick Sharga, first time mortgage rates doubled in a calendar year 8:17 Foreclosure issues 11:39 Primary Mortgage Market Survey 17:40 Higher rates have crushed affordability 18:25 Purchase loan apps off 35% from prior year 20:36 Existing home sales down from February - and 22% below last year 23:07 Inventory increases in April, but new listings down significantly 23:41 New home sales improving as builders offer incentives 24:29 Inventory coming to market slowly, and selling quickly; disruptive technology & other issues 29:04 The current problems with multifamily housing 30:38 Price appreciation has declined rapidly 31:08 Most regions are still positive year over year 33:31 Most states saw prices increase in March   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Mike Harrison reflects on the past decade as both a real estate investor and a member of Lifestyles Unlimited; sharing the seven essential principles he has learned that have led him to financial freedom. Discover how to apply these principles to your own investment decisions and start building your path to complete financial independence! Click to Listen Now

Join us in this episode as we sit down with Richard C. Wilson is a third-generation Eagle Scout, loves investing in fun adventures and health, and is a husband, and father of 3 living in Scottsdale, Arizona.Richard owns Billionaires.com where he is interviewing 100 billionaires, and he is the CEO & Founder of the Family Office Club, with 4,000 registered ultra-wealthy families and 15 live events a year. His short-term rental property fund – InvestorResidences.com has equity in 83 properties, and his division focused on investing in profitable medical practices Medical Clinic Capital (MCC) has equity in 23 practices with $45M a year in revenue. Richard has helped create and formalize well over 200 family offices for ultra-wealthy families, including billionaires and a shark from Shark Tank. Over 16 years since starting his investor club Richard has hosted 190 live events, spoken at over 600 live events, been interviewed over 300 times, recorded 3,000+ videos, and has written 13 books. Richard has an undergraduate degree in business, an M.B.A., and has studied post-master's psychology through Harvard University's ALM Division.Show Highlights: ✅ Who is Richard ✅ Family office ✅ Net worth ✅ Journey into family office ✅ Adding value ✅ Strategies to maximize income ✅ Billionares project ✅ Structure to achieve goals ✅ Book recommendation ✅ Everyday habits ✅ Best advice ✅ Biggest pride ✅ Inspirational person ✅ Ways to connect Richard

Josh Arnold with The Prolific Investor talks about why income investors should consider dividend aristocrats Episode 2316: MONDAY MASTERY - Why Income Investors Should Consider Dividend Aristocrats by Josh Arnold Chris writes an alternative investment blog called The Prolific Investor. Chris wants you to challenge conventional wisdom when it comes to investing, personal finance, and money; so you can make work a choice instead of a necessity. The original post is located here: https://theprolificinvestor.net/33-why-income-investors-should-consider-dividend-aristocrats/  Visit Me Online at OLDPodcast.com   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Real Estate News Brief for the week ending May 20th, 2023... what the Fed Chief is saying about interest rates and potential rate cuts, how the FHFA is responding to a controversy over new rules for home loan fees, and why mall owners have become interested in pickleball.   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.   Economic News   We begin with economic news from this past week, and the Fed chief's response to predictions about what the central bank plans to do next. Jerome Powell spoke out at a conference at the Federal Reserve Bank of Chicago and said that Fed officials have made “no” decision yet on their next move. Many economists are expecting a pause in rate hikes, but the Fed is determined to bring inflation back down to the 2% level, no matter what. A decision would be made after the Federal Open Market Committee evaluates “all” the most recent data. (1)   Powell may have also dashed a few hopes for rate cuts later this year. He says: “The data has continued to support the FOMC's view that bringing inflation down will take “some time” and that rate cuts simply are not part of the Fed's current forecast. But he also says that interest rates are currently high enough to slow economic growth, and hopefully tamp down inflation without further credit tightening.   Meantime, the U.S. leading economic index, or LEI, shows a decline in April, for the 13th month in a row. The declines have pointed toward a potential recession, but so far, that hasn't happened. The index was down .6% last month with eight of the ten economic indicators showing a decline. (2)   Initial jobless claims were down last week, thanks to an effort in Massachusetts to reduce fraudulent claims. They fell from 264,000 the previous week to 242,000 last week. Overall, they have been slowly rising since January. The number of continuing claims was also down by about 8,000 with about 1.8 million people collecting benefits. (3)   New home construction was higher in April, thanks to an outsized demand among consumers, despite high interest rates. The government says they rose 2.2% for the month with more activity in the Midwest and the West. That's for both multi-family construction, which was up 5.2%, and single-family, which was up 1.6%. Building permits were down, however, by 1.5%. (4)   The home builders confidence index also reflected a positive outlook among builders. The National Association of Home Builders say the index was up five points to a central balance point of 50 in May. Anything above 50 is positive, and below 50, negative. The reading for May is the first time it's been out of negative territory in almost a year. (5)   The latest report for existing home sales is for February, and according to the National Association of Realtors, it surged 14.5% as interest rates experienced a temporary dip. It was the biggest monthly increase since July of 2020 when sales skyrocketed 22.4%. NAR says that single-family sales are currently at their highest level since the association started tracking them in 1999. (6)   Mortgage Rates   Mortgage rates are still moving sideways. Freddie Mac says the 30-year fixed-rate mortgage was up just 4 basis points, to 6.39%. The 15-year was unchanged at 5.75%. (7)   In other news making headlines...   FHFA Rescinds New DTI Fee Structure   The FHFA is rethinking its controversial new up-front fee structure for single-family home loans which placed more importance on a borrower's debt-to-income ratio than it did on credit score. The government finance agency has now rescinded the new fee structure for Fannie and Freddie loans, and is asking for input on the goals and policy priorities that the FHFA should pursue in regards to an upgrade of the pricing framework. (8)   When the FHFA announced the previously upgraded pricing structure, there was an outcry from real estate organizations, including the Mortgage Bankers Association, the National Association of Realtors, and others. It kinda blew up in the media, because it appeared to raise the fees for people with higher credit scores while lowering fees for low income borrowers, and gave the appearance of an unfair fee subsidy.    The FHFA denies that the fee structure was based on the idea of a subsidy. But it is now accepting feedback from the public on how to adjust the fee structure to better reflect loan risk in order to protect Fannie and Freddie against those risks, and without unnecessary expense for borrowers, especially those struggling with affordability issues.   Mall Owners Filling Empty Stores with Pickleball Courts!   Mall owners have a new strategy to fill vacant stores and attract more people. They are turning to the fast-growing sport of pickleball, and replacing shuttered stores like Bed, Bath, and Beyond with pickleball courts! (9)   The combination satisfies a need on both sides as consumers gravitate toward locations that offer fun, social experiences and not just a place to shop. Malls have already been incorporating things like theaters, arcades, and amusement parks into their shopping locations. So now, they are adding pickleball, and other experience-based activities like skydiving and virtual golf.   Pickleball is currently the nation's fastest growing sport. As reported by CNN and the Sports & Fitness Industry Association, it's up 159% over three years to 8.9 million players in 2022.   That's it for this episode of the Real Estate News for Investors. Please check the show notes for links at newsforinvestors.com. If you want to learn more about investing in real estate, be sure to hit the “Join for Free” button, and check out how RealWealth can help you create a cash-flowing real estate portfolio. And don't forget to subscribe to our podcast!   Thanks for listening! Kathy Fettke   Links:   1 - https://www.marketwatch.com/story/feds-powell-says-progress-on-bringing-down-inflation-will-be-slow-452edc06?mod=mw_latestnews   2 - https://www.marketwatch.com/story/slowing-u-s-economy-gets-closer-to-recession-leading-index-signals-bac107f3?mod=economic-report   3 - https://www.marketwatch.com/story/jobless-claims-fall-sharply-to-242-000-as-massachusetts-battles-fraud-dc71930f?mod=economy-politics   4 - https://www.marketwatch.com/story/u-s-housing-starts-rise-2-2-in-april-3062a768?mod=economy-politics   5 - https://www.marketwatch.com/story/builder-confidence-rises-for-fifth-consecutive-month-amid-ongoing-shortage-of-u-s-homes-for-sale-a41d33ba?mod=economy-politics   6 - https://www.marketwatch.com/story/u-s-existing-home-sales-rise-for-the-first-time-in-13-months-surging-14-5-in-february-12603067   7 - https://www.freddiemac.com/pmms   8 - https://www.fhfa.gov//Media/PublicAffairs/Pages/FHFA-Requests-Input-on-the-Enterprises-Single-Family-Pricing-Framework.aspx   9 - https://amp.cnn.com/cnn/2023/05/13/business/pickleball-malls-retail-bed-bath-beyond/index.html

Ben Harburg is a Managing Partner at MSA Capital, a global investment firm with over $2 billion in assets under management. Mr Harburg also leads MSA Novo, the emerging markets focused franchise of MSA. Ben has significant investment and operations experience in the Greater China, Southeast Asia, South Asia, Latin America, the Middle East, and Africa. He sits on Boards of Directors of various private and public companies, as well as those of foundations such as the National Committee on US China Relations, the Asian Cultural Council, and the Carnegie Endowment's China Center. He was a Neubauer Scholar at Tufts University (where he studied International Relations), a Fulbright Scholar at Ruhr-Universität Bochum (where he was based in the Department of Islamic Sciences and Oriental Philology), and the first native born American admitted to Tsinghua University Peoples Bank of China School of Finance elite EMBA program. His passion is football and he is a co-owner of Cádiz Club de Fútbol, a team playing in Spain's First Division (La Liga). Linkedin: https://www.linkedin.com/in/ben-harburg/ Website: https://benharburg.com/ --- Support this podcast: https://podcasters.spotify.com/pod/show/geeksofthevalley/support

On this podcast episode we're going to share an easy side hustle for investors to make money with in order to get some money to support their business with. If you're a real estate investors, this is a great side hustle to use while learning the business. Check it out! Grab The Pro Photo & Video Course Here:https://reieducationacademy.com/side-hustle-1 Get More from Jamel Here: https://linktr.ee/jamelgibbs

Jason Graystone is an Entrepreneur and Investor who became financially free at 29 years old. He is the Host of Always Free Podcast. The #1 podcast for financial empowerment and wealth creation. Website: https://tryb.cc/jasongraystone Youtube: https://youtube.com/jasongraystone Instagram: https://instagram.com/j_graystone CallumConnects Micro-Podcast is your daily dose of wholesome entrepreneurial inspiration. Hear from many different entrepreneurs in just 5 minutes what hurdles they have faced, how they overcame them, and what their key learning is. Be inspired, subscribe, leave a comment, go and change the world! Every entrepreneur featured has been recommended by one of our previous guests. www.CallumLaing.com

Originally aired 1/20/22 Nicole's said it before and she's here to say it again: your most important asset isn't money, it's not even Dogecoin, it's time. The good news is that if you're in your twenties, you're rich in time—but you're going to need to use it wisely. Today's episode, you'll learn how to do exactly that.

Want a better rental property loan? You've probably tried talking to banks, brokers, and residential lenders about growing your real estate portfolio, only for them to hit back with W2, income, and credit score requirements. Is there a loan that gets around these conditions for those that are hard to fund? What if you have a rock-solid real estate deal but no nine-to-five income to show to a bank? Well, there's one type of funding you've probably never heard of, and real estate investors nationwide are starting to take advantage of it. We're back with another Rookie Reply as Ashley and Tony embark on an emotional journey down eviction lane, discussing what to do when bad tenants stay in your property and how to ensure it never happens again. But that's not all; Ashley and Tony bring their tenant red flags that ANY landlord should know about when interviewing potential renters. They'll also touch on subject to, seller financing, and other creative ways to fund your real estate deal, plus why you should (or shouldn't) buy a historic home. Finally, you'll hear about the investor-only loan so many people are using to grow their portfolios even faster! If you want Ashley and Tony to answer a real estate question, you can post in the Real Estate Rookie Facebook Group! Or, call us at the Rookie Request Line (1-888-5-ROOKIE). In This Episode We Cover The one rental property loan that big-time investors are using to multiply their portfolios  Evicting a tenant and how to recover rent payments that you're owed Tenant screening tips and red flags you should look out for when interviewing tenants Creative financing and how seller financing and subject to deals create win-wins for buyers and sellers Buying in a historic district and the grants and tax advantages you may be entitled to for doing so And So Much More! Links from the Show Find an Agent Find a Lender Ashley's BiggerPockets Profile Ashley's Instagram Tony's BiggerPockets Profile Tony's Instagram Real Estate Rookie Facebook Group Join BiggerPockets for FREE Real Estate Rookie Podcast 280 with Pace Morby Real Estate Rookie Podcast 538 with Katie Neason DSCR Loans: What Are They And How To Get The Best Terms The Ultimate Comprehensive List of Tenant Red Flags Book Mentioned in the Show: Wealth without Cash by Pace Morby Check the full show notes here: https://www.biggerpockets.com/blog/rookie-288 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email: advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Interested in Crypto Retirement Accounts? Check out iTrust Capital! ➡️ https://itrust.capital/Bitboy

Photo: No known restrictions on publication. @Batchelorshow #Russia: The Kremlin begins confiscation of assets of investors. Michael Bernstam, Hoover https://on.ft.com/42He3yA

Discover how technology is adversely changing the family unit, and oftentimes robbing children of the ability to think critically. Thomas Kersting joins Andy to discuss how to raise healthy children in an unhealthy environment. SHOW NOTES: 6:58: How Is The Current Cultural Climate Much Different Than Anything Previously? 9:26: How Is Technology Hypnotizing Children & Adults? 12:21: How Has “Comparison Culture” Taken On An Outsized Role In Society? 16:28: What Tools Can Parents Use To Raise Healthy Children? 21:29: How Have Families Become Siloed? 22:22: How Does Technology Marinate Minds In Dopamine? 27:23: How Does Happiness Create Wealth?  

So far, the world of investing in 2023 is proving to be very different from 2022. In early May, the Fed raised interest rates above 5% for the first time since 2007. Investors are asking questions about whether rates will stop rising and if inflation has reached its peak. Gargi Chaudhuri, Head of iShares Investment Strategy joins host Oscar Pulido to provide her 3P's of investing for these volatile markets.Sources: Bloomberg, as of May 10, 2023, based on the latest CPI print; Bloomberg, as of May 10, 2023. U.S. treasury represented by the Bloomberg U.S. Treasury index. High quality credit represented by the Bloomberg Global Aggregate Corporate index.This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast. In the U.S. and Canada, this material is intended for public distribution. In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock. In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded. For Investors in Switzerland: This document is marketing material. 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“Lifestyles Unlimited, to me, was like entering a family business in its fifth or sixth generation,” says Dallas Multifamily Mentor, Don Rowell. Today he and Del Walmsley talk about the core business practices that make or break small businesses, and how Lifestyles Unlimited sets up members to succeed and build generational wealth. Click to Listen Now

Is your white-collar job and retirement plan at risk of being taken over by AI? It's time for a paradigm shift in your thinking because the traditional school-to-job-to-retirement model may not work anymore. Andy Webb talks about achieving financial freedom through real estate investing so you can thrive in this changing world. Click to Listen Now

My guest today is Matt Drinkhahn (pronounced DRINK-ON), host of The Eternal Optimist Podcast, father of 3 daughters and husband to an amazing wife. He's generated $130 million in career sales and coaches high-performers to ask better questions and level up their communication with themselves and their people. Matt works extensively in the entrepreneurial, financial services, and real estate spaces, and he has poured into communities such as Front Row Dads, XCHANGE, and Tribe of Investors. And he's here today to share his positive message and impact our listeners. What You Will Learn: Who is Matt Drinkhahn? Matt shares his first deal. What are their objectives? Matt shares some of their investments. Success is who you become as a person.  What is Front Row Dad? Matt shares how he can be contacted. Additional Resources from Matt Drinkhahn: Website: http://www.eternaloptimistpodcast.com/ Phone: +1 (678) 628-2402 Email: theeternaloptimistpodcast@gmail.com LinkedIn: https://www.linkedin.com/in/mattdrinkhahn/ Twitter: https://twitter.com/MDrinkhahn Facebook: https://www.facebook.com/eternaloptimistpodcast Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW!   Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg

A Senate hearing on recent bank failures turned into a prickly confrontation between bank executives and lawmakers. Former leadership for Silicon Valley, Signature, and First Republic Banks were hammered by lawmakers about why their banks collapsed. And there wasn't a lot of agreement on the cause. Bank executives blamed the government and the media, while lawmakers blamed mismanagement and greed.   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Please remember to subscribe to this podcast and leave us a review.   Silicon Valley Bank made the biggest splash as the first bank to fall with about $210 billion in assets. Signature bank had about $110 billion when it was seized by regulators. They were the third and fourth largest banks in the U.S. so their failures raised huge concerns about the impact on the entire financial system. First Republic went south and teetered for a few months after it lost billions in deposits, and was largely taken over by JPMorgan.   SVB CEO Blamed a Series of “Unprecedented Events”   In a joint session before the Senate Banking Committee, former Silicon Valley Bank CEO Greg Becker pointed a finger at the federal government, saying the bank's failure was the result of a series of “unprecedented events.” He testified that: “With near zero-percent interest rates and the largest government sponsored economic stimulus in history, more than $5 trillion in new deposits flooded into commercial banks. By the end of 2020, SBV had grown 63 percent over the prior year, and in 2021, SVB's assets grew another 83 percent to $212 billion.” (1)   He also pointed out that during the pandemic, when inflation started to become an issue, the Federal Reserve insisted that inflation was “transitory” and that interest rates would remain low.   Massive Bank Run at SVB   The bank's collapse largely happened after a decision to invest more than half of the bank's loan portfolio into fixed-income Treasury securities, when interest rates were low. They are considered “low risk” but they are also impacted by interest rate hikes. When interest rates blew up to fight inflation, the value of SVB's portfolio shrank and that forced the bank to sell at a $2 billion loss. When news spread about the bank's situation, depositors became concerned about accessing their funds and the bank experienced a massive bank run.    Media Misconceptions   Becker also blamed the media for comparing the March 8th failure of Silvergate Bank to Silicon Valley Bank. He told lawmakers that the two banks had completely different business models, and said: “Rumors and misconceptions quickly spread online, culminating on March 9th with the first-ever social media bank run leading to more than $42 billion in deposits being withdrawn from SVB in 10 hours, or $1 million every second.”   Two More Dominoes to Fall   Former Signature Bank Chairman Scott Shay was miffed that his bank was seized by New York State regulators on March 12th. He insisted that the bank would have survived that bank run. He argued: “We were at all times solvent and well-capitalized, and even with the sale of our available-for-sale securities, we still would have remained well capitalized.”   Former First Republic CEO Mike Roffler also blamed social media and news stories for inciting panic among depositors along with technology that allows for fast-paced digital withdrawals. Roffler told lawmakers: “The contagion spread very quickly and panic is very hard to control.” (2)   Lawmakers Blame Mismanagement, Greed   But lawmakers also took the conversation in a different direction, criticizing bank leaders for millions of dollars in bonuses and personal stock sales ahead of the failures. Senator Sherrod Brown ripped into Becker saying: “Workers face consequences, executives ride off into the sunset. Only in corporate boardrooms can you run your business into the ground, take the whole economy along with you and come out ahead. We can't let that happen again.”   Some lawmakers said that bank executives could have reduced the risk by hedging their portfolios, but that they, instead, placed profits ahead of safety. As explained in a Washington Post article, Silicon Valley Bank had financed short-term liabilities with long-term debt. It seemed like a no-brainer when interest rates were low, and to be fair, there was a lot of talk about interest rates remaining low for a very long time. But when the Fed started hiking rates, the value of those Treasurys went down. Lawmakers say the bank could have swapped those longer-term notes for one with shorter-terms that match the duration of the bank's liabilities. But they say the banks didn't do that because it would have been more expensive. (3)   Sharp Words from Some Senators   The session became downright nasty at times. Senator John Kenney of Louisiana had sharp words for what he called SVB's “stupidity.” He told Becker: “You made a really stupid bet that went bad, didn't ya? And the taxpayers of America had to pick up the tab for your stupidity, didn't they?” (4)   He continued saying: “No, this wasn't unprecedented. This was bone-deep, down-to-the-marrow stupid. You put all your eggs in one basket and unless you lived on the International Space Station you could see that interest rates were rising and that you weren't hedged.”   Let's hope we've seen the last of this kind of banking madness. You can read more about this by following links in the show notes at newsforinvestors.com.    I always encourage listeners to hedge their own financial empire with real estate. You can learn how to invest in rental properties at RealWealth. Becoming a member is free and will give you access to all our educational material as well as our investor portal with valuable data on rental markets, sample properties, and help from our investment counselors who can answer your questions. Just hit the “Join for Free” button.   And please remember to subscribe to this podcast!    Thanks for listening! Kathy Fettke   If you're a RealWealth member, just sign into the portal and look for DealCheck under the Resources tab. If you aren't a member, it's free and easy to sign up. And, please remember to subscribe to this podcast!   Thanks for listening! Kathy    Links:   1 - https://commercialobserver.com/2023/05/svb-signature-ceos-blame-federal-govt-media-bank-failures/   2 - https://www.forbes.com/sites/dereksaul/2023/05/17/lawmaker-blasts-first-republic-chief-you-were-one-of-3-worst-run-banks-in-us/?sh=256ad3e18d07   3 - https://www.washingtonpost.com/business/2023/03/15/svb-s-fateful-mistake-could-be-lurking-in-your-401-k/0f139944-c31b-11ed-82a7-6a87555c1878_story.html 4 - https://www.cnn.com/2023/05/17/investing/premarket-stocks-trading/index.html

The Intelligent InvestorThe Intelligent Investor Full Book Introduction This book covers all the classical investment practices any stakeholder needs to know. It has been known by many as the “Stock Market Investing Bible” since it was first published in 1949. This book analyzes the difference between “investment” and “speculation,” and discusses how investors respond to market fluctuations. It also introduces the core idea of value investing, “margin of safety,” and what strategies defensive and enterprising investors should use. Author : Benjamin GrahamBenjamin Graham, an American economist and investment guru, is the founder of value investing theory. He is known as “the Dean of Wall Street” and “the Father of Modern Security Analysis”. Graham was not only Warren Buffett's research supervisor at Columbia University's Business School, but he was also regarded by Buffett as his “spiritual mentor.” Overview | Chapter 1Hi, welcome to Bookey. Today, we will unlock the book The Intelligent Investor. When it comes to stock investment, most people's first reaction will be to think of Warren Buffett, the “Oracle of Omaha.” The book we're reading today is written by Benjamin Graham, whom Buffett,referred to as his “mentor for life.” When unlocking Buffett: The Making of an American Capitalist and The Snowball: Warren Buffett and the Business of Life, we mentioned that Buffet read The Intelligent Investor in 1950 when he was 19 years old. The book struck him immediately. Not long after, Buffett enrolled in Columbia University's Business School, where he studied value investing, with Graham as his mentor. Three years after graduation, Buffett got a job at Graham's company, and during his first two years there, Buffett learned about value investing strategies and grew his wealth from $9,800 to $174,000. When Buffett read The Intelligent Investor again in 1972, he said, “I read the first edition of this book early in 1950, when I was nineteen. I thought then that it was by far the best book about investing ever written. I still think it is.” Since its initial publication in 1949, the book has been regarded as a world-renowned classic in investment practices. It has been considered a revolutionary text often referred to as the "Stock Market Investing Bible" by investment gurus such as Warren Buffett. Buffett even wrote the preface and commentary for the book. It's been 40 years since the fourth edition of this book was published, and you may be wondering if the investment strategies mentioned in the book still hold true today. In fact, Graham himself emphasized in the introduction that the book focuses more on the principles of investing and the attitudes of investors. Therefore, we can still learn a lot today from this perspective. Benjamin Graham, an American economist and investment thinker, is the founder of value investing theory. He is known as “the Dean of Wall Street” and “the Father of Modern Security Analysis”. Graham was not only Warren Buffett's research supervisor at Columbia University's Business School, but also regarded by Buffett as his “spiritual mentor” throughout his life. His security analysis theory and knowledge of the field was a tremendous shock to the investment field, affecting almost three generations of the biggest fund managers on Wall Street. Next, we will unlock the book for you from three areas: First, the fundamentals of value investing; Second, investment suggestions for defensive investors; Last, investment suggestions for enterprising investors.

Is paying off your home the best use of your equity? Del Walmsley debunks this common misconception using simple math, encouraging listeners to challenge commonly held beliefs. Don't settle for mediocrity - optimize your equity and start building long-term wealth today! Click to Listen Now

Al Gordon provides essential real estate market data, covering everything from interest rate hikes to existing home sales reports and jobless claims to the Fed. With a focus on how these factors impact the rental market, Al emphasizes the importance of understanding the data and its implications for investors. Listen in for crucial insights into the current real estate landscape. Click to Listen Now

Passive Investor Tips is a weekly series hosted by full-time passive investor and Best Ever Show host, Travis Watts. In each bite-sized episode, Travis breaks down passive investor topics, simplifying the philosophy and mindset while providing tactical, valuable information on how to be a passive investor. For most Americans, the most expensive cost they have is housing. In this episode, Travis shares four strategies for using real estate creatively to generate passive income that can drastically reduce, and in some cases, completely eliminate your living expenses.   Click here to learn more about our sponsors: MFINCON BAM CAPITAL

The boom and bust cycle describes capitalist economies that contract after a period of expansion and then expand again. Today Bill talks to an Author, Entrepreneur, Investor, Philanthropist, and the Founder and CEO of Liucrative Endeavors, Dave Liu. They talk about how Dave prepared for and avoided the boom and bust cycle in his financial and personal life. Dave also shares his story and heritage, which plays a big part in his entrepreneurial life today.   Dave is a 30-Year Veteran of Wall Street and Silicon Valley. He's an entrepreneur who has started multiple companies, an advisor who has raised over $15 billion for hundreds of companies, and an investor in multiple billion-dollar exits. He is passionate about advancing new ideas in technology and entertainment and supporting philanthropic causes for underrepresented groups. He's a creator who enjoys writing books and drawing cartoons.   Reach out to Dave: Website: https://liucrative.co/ LinkedIn: https://www.linkedin.com/in/daveliu/ Grab a copy of his book: https://liucrative.co/book/   Show notes: [0:31] Dave and his heritage [5:09] What drove him to pursue entrepreneurship? [10:05] What did Dave do in terms of squirreling away for later? [20:03] Outro     Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.  

Michael Hyatt is the visionary founder and chairman of Full Focus, a performance coaching company that's helped over 970 business owners excel in business and life.Throughout his remarkable career, Michael has scaled multiple companies, including a $250M publishing powerhouse with 700+ employees. Under his leadership, Full Focus has grown 60% annually for the past 4 years and has been featured in the Inc. 5000 list of fastest-growing companies in America for 3 years in a row.His new book, Mind Your Mindset, draws upon the latest insights in performance psychology, neuroscience, and cognitive science, and will help you combat limiting beliefs and retrain your thinking so you can achieve your biggest goals. In this episode, you'll learn: ✅ How Michael successfully scaled a $250M/year business that sold for half a billion dollars.✅ Strategies and principles for building companies that attract world-class talent.✅ How to rewire the negative stories your brain is telling you and replace them with ones that empower you. Free GiftMichael is giving away a bunch of bonuses when you purchase his new book, Mind Your Mindset. Visit LifestyleInvestor.com/134Show Notes: LifestyleInvestor.com/134Free Strategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this special segment of The Full Ratchet, the following Investors are featured: Deena Shakir David Tisch Wes Chan & Pegah Ebrahimi Each investor illustrates a critical lesson learned about startup investing and how it's changed their approach. The host of The Full Ratchet is Nick Moran, General Partner of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. Learn more about New Stack Ventures by visiting our Website. Also, follow us on LinkedIn and Twitter! Founders, are you frustrated by trying to find the ideal VC's for your stage, sector, and geography? Answer five questions with VC Rank and generate your customized list now

http://www.witradeschool.com In episode #212 of the Trading Stocks Made Easy Podcast, Tyrone Jackson talks about the luxury lifestyle. Follow Tyrone's weekly trades at: http://www.witradeschool.com Experienced traders know that discipline is the key to success. Inexperienced traders lose significant amount of trading capital when greed trumps discipline. Take Tyrone Jackson's advice and you, too, can be a six figure trader.

Crypto has been gaining popularity in the past decade. Will crypto help your department solve major issues, or will it simply introduce unnecessary complexity? In this episode, Paul Galloway and Jason Campbell discuss digital currency and its implications for treasury professionals. They also look at the difference between digital coins and digital tokens. What questions do you have about crypto? Let us know by sending an email to podcast@strategictreasurer.com. 

Made in China, but qualify for U.S. tax breaks? The Treasury Department's guidelines on solar panels are raising eyebrows in some sectors. The Treasury says the panels only need to be assembled stateside to make the cut, even if the parts are made elsewhere. Investors are rallying behind the news, but critics warn it will help boost China's dominance in the sector, rather than U.S. manufacturing. ⭕️ Watch in-depth videos based on Truth & Tradition at Epoch TV

In this Real Estate News Brief for the week ending May 13th, 2023... some good news about inflation, how a U.S. debt default might impact housing, and a new Gallup Poll on investor preferences.   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.   Economic News   We begin with two inflation reports from this past week. The first was a report on the Consumer Price Index for April. The CPI shows a .4% rise in consumer prices which is a slight increase from the previous month, but it brought the annual rate below 5% for the first time in two years. It hit a high of 9.1% last summer, but is now down to 4.9%. The core rate, which omits food and fuel, was also down .4%, with an annual rate of 5.5%. Shelter prices rose the most, but those prices are slowing down. It's interesting to note that the three-month annualized rate is now at 3.2%. (1)   Producer prices are also coming down. The Labor Department reported a .2% increase in the Producer Price Index for April, with an annual rate of 2.3%. The PPI's core rate was also down .2% but the annual rate is a bit higher, at 3.4%. As MarketWatch reports: “Inflation is moderating at the consumer and producer levels. This is adding to market expectations that the Federal Reserve will refrain from raising interest rates further at the next meeting in mid-June.” (2)   The Fed's preferred report on inflation, known as the Personal Consumption Expenditure Index or PCE, will play a big role in what the Fed does next. That's coming out at the end of this month.   Weekly jobless claims were a surprise on the upside, with 240,000 people filing for benefits. They were 22,000 higher than they were for the previous week. Economists had only expected an increase of 3,000. That's the highest number of claims since October of 2021. The numbers have been steadily rising since January, for a total of 1.81 million continuing claims. Higher numbers indicate a softening of the job market and slower wage growth which the Fed wants to see in its fight against inflation. (3)   Mortgage Rates   Mortgage rates are still idling in the lower 6% range. Freddie Mac says the 30-year fixed-rate mortgage was down four basis points to 6.35% this last week. The 15-year was down one point to 5.75%. (4) Freddie Mac's chief economist, Sam Khater, says: “A recent sideways trend in mortgage rates is a welcome departure from the record increases of last year.” (5)   In other news making headlines…   Mortgage Rates Would Skyrocket if U.S. Defaults on Debt   As lawmakers haggle over the debt ceiling, there's concern about what would happen if they don't come to an agreement and the government defaults. According to Zillow, it would have a devastating impact on the housing market, with mortgage rates potentially rising to 8.4%. That would increase a typical mortgage payment by 22%. (6)   Zillow says if mortgage rates get to the 8% level, existing home sales could fall from April's 4.3 million to around 3.3 million in September. That's a 23% drop. Zillow's senior economist, Jeff Tucker, acknowledges that a default is “unlikely” but if it did happen, he says it would send the housing market into a “deep freeze.”   It is hoped that President Joe Biden and Speaker of the House Kevin McCarthy will hammer out a deal by June 1st. In a Bloomberg interview, Treasury Secretary Janet Yellen said: “There is no satisfactory solution for the U.S. that's good for the economy and financial markets other than Congress acting to raise the debt ceiling.”   Fed's Rate Hikes Are Now Hurting the Housing Market   Housing economists are not happy about the latest rate hike. The Fed hiked short-term rates another quarter point to a range of 5 to 5.25%. The National Association of Realtors' Lawrence Yun and the National Association of Home Builders' Robert Dietz call it “disappointing.” They say the high rates are freezing loan activity and hurting the economy. (7)   They say that consumer prices have been coming down for months and the last rate hike wasn't necessary. Yun says that: “Regional banks are an important source of loans – but they are frozen.” He says: “They are shuffling their balance sheets and figuring out what to do.”   Dietz says that higher rates are making it harder for developers to build homes, which are badly needed to boost inventory. He says: “We need to be building more than 1.1 million homes a year to haVe a meaningful impact on the lack of inventory.”    Real Estate Still a Top Investment Choice, but Lead is Shrinking   A recent Gallup poll shows that real estate is still a top investment choice, but the lead is shrinking. In 2022, 45% of the participants said that real estate is the best long-term investment. This year, that percentage shrank to just 34%. (8)   Many consumers have turned to gold, which has now taken second place and pushed stocks into third. Gold was favored by 26% this year, compared to 15% last year. Stocks dropped from 24% last year to 18% this year. Savings accounts, CDs, and bonds are up slightly but they are still in fourth place.    Gallup asked some of the participants about crypto, but that has lost its luster with the recent collapse of the FTX crypto exchange, and a decline in crypto prices, especially for bitcoin. Only 4% of Americans are choosing crypto. Last year, it was 8%.   That's it for today. Check the show notes for links, and the “Join for Free” button to become a member of RealWealth. It's free to join, and you'll have full access to our website including our investor portal where you can check out various rental property markets and find out how to make real estate work for you in this tough environment.   And please remember to hit the subscribe button, and leave a review!   Thanks for listening. I'm Kathy Fettke.   Links:   1 - https://www.marketwatch.com/story/u-s-consumer-price-inflation-cools-to-lowest-rate-in-two-years-in-april-ef69d854?mod=home-page   2 - https://www.marketwatch.com/story/u-s-april-producer-prices-rise-2-3-over-past-year-smallest-increase-since-january-2021-8afa903e?mod=economy-politics   3 - https://www.marketwatch.com/story/jobless-claims-hit-264-000-in-latest-week-highest-level-since-last-october-d63852a4?mod=economy-politics   4 - https://www.freddiemac.com/pmms   5 - https://www.nar.realtor/magazine/real-estate-news/mortgage-rates-are-steadily-edging-downward   6 - https://therealdeal.com/national/2023/05/12/us-default-would-send-mortgage-rates-past-8/   7 - https://www.nar.realtor/magazine/real-estate-news/housing-economists-fed-policy-now-hurting-real-estate   8 - https://news.gallup.com/poll/505592/real-estate-lead-best-investment-shrinks-gold-rises.aspx?utm_source=google&utm_medium=rss&utm_campaign=syndication

What are the grave consequences if the U.S. debt ceiling isn't increased and the government defaults? What would the Federal Reserve and the Executive Branch do to prevent default if Congress doesn't act?Topics covered include:What are the potential impacts of a U.S. default on the stock and bond markets, and the overall economyWhat causes the U.S. to have a perennial debt ceiling crisisWhy it is uncertain when the U.S. government would run out of money to meet its obligationsWhat the Biden Administration could do to prevent a defaultWhat the Federal Reserve could do to prevent a defaultGiven the ongoing crisis, should you shift assets from stocks to cash?For more information on this episode click here.SponsorsUse code MONEY10 to get 10% off on your NAPA Autoparts online order.Masterworks – invest in contemporary artMasterworks Disclosure:“net IRR” refers to the annualized internal rate of return net of all fees and costs, calculated from the offering closing date to the sale date. IRR may not be indicative of Masterworks paintings not yet sold, and past performance is not indicative of future results. See important Reg A disclosures: Masterworks.com/cd Masterworks' offerings are filed with the SEC, view all past and current offerings here.Insiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter.Show NotesThe Debt Limit Since 2011—Congressional Research Service7 doomsday scenarios if the U.S. crashes through the debt ceiling by Jeff Stein—The Washington PostA debt ceiling default would send the U.S. housing market back into a deep freeze by Jeff Tucker—ZillowWhy is federal spending so hard to cut? — Recurring debt ceiling fights will only be solved by budget reform by Linda Bilmes—BrookingsDebt Limit Default Is Default, Even Under a “Prioritization” Scheme by Richard Kogan—Center on Budget and Policy PrioritiesWhy I Changed My Mind on the Debt Limit by Laurence H. Tribe—The New York TimesThe Trillion-Dollar Coin Might Be the Least Bad Option by Annie Lowrey—The AtlanticIf U.S. again risks default, Fed has 'loathsome' playbook by Ann Saphir—ReutersRelated Episodes169: The Debt Ceiling—What Happens If the U.S. Defaults416: Your Nation's National Debt: 5 Things You Need To KnowSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this weeks episode of the Kathryn For Real podcast, Kathryn is happily joined by Cayla Craft, creator of "Crafted Entrepreneur", designed to empower you to create more assets and less liabilities. Starting as an ER nurse, Cayla then transitioned to making millions in multi-level marketing but with no money mentors or financial know-how, she spent more than she took in. As she recognized her own unhealthy money habits, she committed to educating herself on entrepreneurship, investment, and building generational wealth. Now, through intensive one-on-one business consulting and exclusive mentoring groups, she shares her wisdom and shows clients how to take control of their earning power, build lucrative multi-dimensional businesses, and live abundant lives.  If you've ever wanted to change your money habits, been interested in real estate, or wanted to increase your general wealth, you won't want to miss this episode! Don't forget to like, comment and go to Kathryn's website Kathrynforreal.com to subscribe to be a part of her weekly newsletter!

Emad Mostaque is the Co-Founder and CEO @ StabilityAI, the parent company of Stable Diffusion. Stability are building the foundation to activate humanity's potential. To date, Emad has raised over $110M with Stability with the latest round reportedly pricing the company at $4BN. Investors include Coatue, Lightspeed, Sound Ventures, OSS Capital and Airstreet Capital, to name a few. Prior to Stability, Emad was in the world of hedge funds, that was until his son was diagnosed with autism and he left to make a difference in the space and help find treatments and solutions. In Today's Episode with Emad Mostaque We Discuss: 1.) From Hedge Funds to Finding Treatments for Autism to Leading the World of AI: How Emad made his way from the world of hedge funds to founding one of the leading AI companies of our time? How did Emad find a solution to parts of his son's autism with a $6 drug? How does Emad believe we can use AI to solve the majority of medical problems today? What does the future of healthcare look like with AI at the centre? 2.) Models: What is Real? What is False? Why no models today will be used in a year? Why all models are biased and how do we solve for it? Why hallucinations are a feature and not a bug? Why the size of your model does not matter anymore? Why will there be national models specified to cultures and nations? How is this implemented? 3.) Who Wins: Startups or Incumbents: Why does Emad believe there will only be 5 really important AI companies? Which will they be? How does Emad review Google's AI strategy following their news last week? Was their integration of Google and Deepmind recently a success? How does Emad assess Meta's AI strategy? Why does Zuckerberg now acknowledge the metaverse play was a mistake? How does Emad evaluate the approach taken by Amazon? Why are they the dark horse in the race? What can startups do to get a meaningful edge on the large incumbents? How do they compete with their distribution? 4.) The Next 12 Months: What Happens: Why does Emad believe the .ai bubble will be bigger than the dot com bubble? Why does Emad believe that the biggest companies built-in AI in the next 12 months will be services-based companies? How does the ecosystem look if this is the case? Why will India and emerging markets embrace AI faster than anyone else? What happens to economies that have large segments reliant on freelance work that AI replaces? Why will we see the death of many large content publishers and media companies? What does Emad mean when he says we will see the rise of "AI first publishers"? 5.) Open or Closed: What Wins: Why does Emad believe we must be open by default? Why does open win? Why does Emad side with Elon and believe we must pause the development of AI for 6 months? How does Emad evaluate the leaked memo from Google stating that neither Google nor OpenAI are ahead? What does this mean for the AI ecosystem? Where will the best AI talent concentrate? What do companies need to do to win the best talent?

Del Walmsley takes a unique perspective on the increasing population in the US, seeing it as an opportunity for real estate investors. He discusses how this influx creates a demand for housing, which can lead to significant profits in the market, encouraging listeners to find the silver lining in challenging situations and to look for opportunities in what appears to be a disaster. Click to Listen Now

Sharing his latest Dad moment, Al Gordon celebrates his son Johnathan's upcoming return from serving overseas! Hear how Johnathan motivated Al to attend a two-day real estate investing seminar, and how that decision changed their lives forever! Click to Listen Now