Podcasts about covid-19

This week on The Treatment, Elvis speaks with Eddington writer and director Ari Aster about his new film set during the early months of the COVID-19 pandemic. Then, film critic and writer Kenneth Turan joins to discuss his book Louis B. Mayer and Irving Thalberg: The Whole Equation. And on the Treat, Sinners writer-director Ryan Coogler talks about a special musical journey he took prior to making the film.

UK PROPERTY MARKET WEEKLY UPDATE — Week 28, 2025 Welcome to the 28th UK Property Market Stats Show of 2025 — your go-to weekly YouTube ‘TV Show' on the UK property market. This week, I'm joined by Alice Bullard, boss lady of Nested, as we unpack the key headlines from the 28th week of 2025, ending Saturday 20th July 2025 ▶️ Watch on YouTube: https://youtu.be/_THPOlLtKaE 


What is it about softball? “What is it not about softball?” replies Megan Faramio, a star pitcher for the Talons in the all-new Athletes Unlimited Softball League, or AUSL. “I can literally talk about softball for days.” The AUSL is about to wrap up its first season with a three-game playoff series in Alabama between Faraimo's Talons and the Bandits, a team name that Chicago softball fans know well. The Chicago Bandits were based mainly in Rosemont and played in the National Pro Fastpitch league from 2005 to 2019 until the league disbanded during the COVID-19 pandemic. The AUSL said it was “re-introducing” the Bandits brand “to make new history.” AUSL league commissioner Kim Ng acknowledged that pro women's softball leagues in the U.S. have a “spotty” history, but she says this league will be different. In this inaugural “barnstorming season,” AUSL teams like the Talons and Bandits are not yet attached to specific cities, so The Stadium in Rosemont has hosted every team in the small league for many of the regular season's games. Next year, the AUSL plans to attach six teams to six to-be-determined cities, and Ng says Rosemont is on the short-list. “Absolutely, you have to consider somewhere that has a Jennie Finch Way,” Ng said, a reference to the team's legendary former player and the street named after her where Rosemont's pro softball field is located. In our last episode, we looked back at Chicago's first professional women's softball league from the 1940s and ‘50s — one that featured business-sponsored teams like Parichy's Bloomer Girls or Brach's Kandy Kids. That softball league rivaled the pro women's baseball league featured in the 1992 movie “A League of Their Own.” Today, we're exploring this new chapter in professional women's softball history. What's going to give the AUSL staying power? And what's all the hype about? We asked Talons star Megan Faraimo, Commissioner Ng, and — at a sellout crowd on a hot day in Rosemont — the fans.

5pm: Top Stories Recap/Updates // Bryan Kohberger sentenced to life in prison today for University of Idaho murders // Seattle 911 supervisor wins $800K settlement over COVID-19 vaccine mandate // Hunter Biden on illegal immigrants // Seattle woman sues Blue Angels, says military jets terrorized her dying cat and silenced her online // ‘Say no to Blue Angels,’ new billboard says in Seattle // Letters

Disinfect your groceries and mind the 5G, on this week's show Steve, Dana, and guest host Sam Adams dive into the dread-inducing world of Ari Aster's Eddington. Starring Joaquin Phoenix and Pedro Pascal, the neo-Western explores the conspiracy-brained, mentally unstable summer of 2020 when COVID brews unrest in a small town. Like said town, the panel is divided. Next, they talk about why one of the biggest selling musical acts of all time has been both a national treasure and a forever punchline in their discussion of the documentary Billy Joel: And So It Goes. Finally, they take on what CBS's decision to cancel the Late Show with Stephen Colbert means for both late night TV and democracy itself with New York Times TV critic James Poniewozik. In an exclusive Slate Plus bonus episode, the panel shares their feelings about phone location sharing. Email us at culturefest@slate.com.  Endorsements: Dana: The best use of a Billy Joel song in a soundtrack: "Carded and Discarded," episode 7 of Freaks and Geeks: Sam:  The anti-establishment, anarchist British Post-punk band the Mekons' 1989 album The Mekons Rock n' Roll. Steve: Stephen Colbert talking with Dua Lipa about faith and comedy and Esbjörn Svensson Trio's “Somewhere Else Before” from the album Live in Gothenberg. Want more Culture Gabfest? Subscribe to Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the Culture Gabfest show page. Or, visit slate.com/cultureplus to get access wherever you listen. Podcast production by Benjamin Frisch Learn more about your ad choices. Visit megaphone.fm/adchoices

Disinfect your groceries and mind the 5G, on this week's show Steve, Dana, and guest host Sam Adams dive into the dread-inducing world of Ari Aster's Eddington. Starring Joaquin Phoenix and Pedro Pascal, the neo-Western explores the conspiracy-brained, mentally unstable summer of 2020 when COVID brews unrest in a small town. Like said town, the panel is divided. Next, they talk about why one of the biggest selling musical acts of all time has been both a national treasure and a forever punchline in their discussion of the documentary Billy Joel: And So It Goes. Finally, they take on what CBS's decision to cancel the Late Show with Stephen Colbert means for both late night TV and democracy itself with New York Times TV critic James Poniewozik. In an exclusive Slate Plus bonus episode, the panel shares their feelings about phone location sharing. Email us at culturefest@slate.com.  Endorsements: Dana: The best use of a Billy Joel song in a soundtrack: "Carded and Discarded," episode 7 of Freaks and Geeks: Sam:  The anti-establishment, anarchist British Post-punk band the Mekons' 1989 album The Mekons Rock n' Roll. Steve: Stephen Colbert talking with Dua Lipa about faith and comedy and Esbjörn Svensson Trio's “Somewhere Else Before” from the album Live in Gothenberg. Want more Culture Gabfest? Subscribe to Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the Culture Gabfest show page. Or, visit slate.com/cultureplus to get access wherever you listen. Podcast production by Benjamin Frisch Learn more about your ad choices. Visit megaphone.fm/adchoices

America Out Loud PULSE with Dr. Vaughn & Dr. Tankersley – Senator Ron Johnson's Senate hearing shines a light on vaccine injuries, federal health agency credibility, and the influence of pharmaceutical lobbyists. Personal stories and expert testimonies reveal hidden harms and challenge the mainstream “safe and effective” narrative. Calling for transparency, accountability, and honest science to restore trust in our healthcare system and...

With the Wind with Dr. Paul – Show 180: Pediatric Perspectives: Holistically Treating Viruses with David Brownstein, M.D. Subtitle: Dr. David Brownstein on Natural Protocols, Immune Support, and Vaccine Dialogue in Pediatric Care Summary In this episode, Dr. Paul Thomas interviews Dr. David Brownstein, a leader in holistic medicine, about integrative approaches to treating viral illnesses in children. Dr. Brownstein shares his personal journey from conventional medicine to holistic practice, details his clinic's long-standing viral protocol, and discusses the importance of supporting the innate immune system. The conversation also covers the challenges of questioning mainstream vaccine narratives, regulatory pushback, and practical recommendations for parents during virus season. Key Points (with Time Codes) • Introduction and Welcome Dr. Paul introduces the show and welcomes Dr. Brownstein. 00:01:35 • Dr. Brownstein's Background and Shift to Holistic Medicine Dr. Brownstein describes his upbringing, medical training, and the pivotal experiences—including his father's recovery—that led him to embrace holistic medicine. 00:02:39 • Discussion on Viruses and Viral Protocols The conversation turns to viral illnesses, with Dr. Brownstein outlining his clinic's 25-year protocol using vitamins A, C, D, and iodine, as well as nebulized hydrogen peroxide for respiratory symptoms. 00:10:02 • COVID-19 Pandemic Experience and Treatment Dr. Brownstein recounts his clinic's response to COVID-19, the success of their holistic protocols, and the low hospitalization and mortality rates among his patients—including children with comorbidities. 00:11:01 • Regulatory Challenges and FTC Investigation Dr. Brownstein discusses the regulatory scrutiny and investigations he faced for promoting non-pharmaceutical treatments, including an FTC warning and a board of medicine investigation. 00:19:10 • Innate vs. Adaptive Immune System Explanation He explains the difference between the innate and adaptive immune systems, highlighting why natural infection and immune support may offer more robust, long-term protection than vaccines alone. 00:23:14 • Vaccine Efficacy and Risks Discussion Dr. Brownstein and Dr. Paul discuss the limited effectiveness of flu and COVID vaccines, the importance of informed consent, and why parents should research and question recommendations. 00:26:44 • Supplements Recommended for Winter Virus Season Dr. Brownstein recommends vitamin C, vitamin A, optimal vit

When I think of a product worth buying and a brand worth supporting, Avocado Mattress is at the top of my list.   In this episode, I sat down with Vy Nguyen, Co-CEO of Avocado Mattress, to discuss what it truly takes to build a mission-driven, vertically integrated company in a category dominated by commodity players.  Vy's story is rooted in deep gratitude for his family's immigrant journey, and he brings that same heart and intention to everything he does—from sourcing organic materials to creating calm, customer-first retail spaces. We discussed the early days of Avocado, the team's commitment to vertical integration, and how their transparency and dedication to sustainability earned them B Corp certification and customer trust. What stood out most was Vy's belief that consumers want to buy from brands doing the hard work, and his team is doing just that. Key highlights from this episode:   * How Vy's family journey from Vietnam inspired his values and entrepreneurial mindset.   * Why Avocado chose to own their manufacturing, from latex factories to inner springs.   * What makes an organic mattress truly organic—and why it's hard to fake.   * The impact of COVID and tariffs on their business (and how they adapted).   * How Avocado brings its story to life through experience centers and retail partnerships.   Join me, Ramon Vela, as I listen to this thoughtful and inspiring episode as we explore how one brand is raising the bar in an industry that's long overdue for change. If you care about clean products, radical transparency, and companies that do things the right way, this is an episode you won't want to miss. For more on Avocado Mattress, visit: https://www.avocadogreenmattress.com/ If you enjoyed this episode, please leave The Story of a Brand Show a rating and review.  Plus, don't forget to follow us on Apple and Spotify.  Your support helps us bring you more content like this! * Today's Sponsors: 1 Commerce: https://1-commerce.com/story-of-a-brand Scaling a DTC brand gets harder the bigger you grow, especially when you're stuck selling on just one channel.  While you're focused on day-to-day ops, your competitors are unlocking marketplaces like Amazon, Walmart, and even retail shelf space—and capturing customers you're missing. That's where 1-Commerce comes in.  They help high-growth brands expand beyond their sites, handle end-to-end fulfillment, and scale through a revenue-share model that means they only win when you do.  As a Story of a Brand listener, you'll get one month of free storage and a strategy session with their CEO, Eric Kasper.    Color More Lines: https://www.colormorelines.com/get-started Color More Lines is a team of ex-Amazonians and e-commerce operators who help brands grow faster on Amazon and Walmart. With a performance-based pricing model and flexible contracts, they've generated triple-digit year-over-year growth for established sellers doing over $5 million per year.   Use code "STORY OF A BRAND” and receive a complimentary market opportunity assessment of your e-commerce brand and marketplace positioning. 

In this inspiring episode of IsraelCast, host Steven Shalowitz welcomes back Dr. Tsvi Sheleg, Deputy Director of the Galilee Medical Center (GMC), to discuss the groundbreaking innovations and unwavering resilience of Israel's northernmost hospital. Broadcasting from just five miles south of the Lebanese border, Dr. Sheleg reveals how GMC transformed wartime challenges into opportunities for technological and humanitarian leadership. Dr. Sheleg—an accomplished ophthalmologist, medical administrator, and decorated Israel Defense Forces officer—shares how GMC's underground, missile-proof facilities enabled continuous care during recent conflicts. He also spotlights the hospital's innovation hub, “GMC Playground,” which has launched dozens of health-tech collaborations and startups, with support from Microsoft and Viz.ai. A vocal champion of diversity, Dr. Sheleg describes how Jews, Muslims, Christians, Druze, and Circassians work side-by-side at GMC, treating soldiers and civilians alike—including over 3,000 wounded Syrians during their civil war. His call to action is clear: support Israel's Galilee, where health-tech meets heart, and where healing transcends borders.   Dr. Tsvi Sheleg, MD, MBA, serves as Deputy Director of the Galilee Medical Center, overseeing emergency preparedness and founding the hospital's renowned Innovation Program. An ophthalmologist by training, he continues to perform cataract surgeries and was recognized for his leadership as COVID-19 project manager. A decorated IDF officer, Dr. Sheleg serves as medical director of the IDF Field Hospital and has led humanitarian missions to Haiti, Nepal, and Turkey. He earned his medical degree from Ben-Gurion University and an executive MBA from Tel Aviv University. Born in Tel Aviv, he lives in Mitzpe Hila with his wife and two children.

Haley Carswell, Vice President at Zynex Medical, joins us to share her unconventional path from managing a tanning salon to leading in the world of non-invasive pain management. What started as a pivot away from law school, thanks to advice from her father, became a thriving career built on people skills, grit, and an eye for strategy. Today, Haley supports her team through data-driven planning, leadership, and market insights that drive results. We dive into the emotional transitions that shaped her journey, including a powerful chapter in addiction treatment. Haley opens up about the personal loss that fueled her passion for mental health advocacy, and how working through the COVID crisis in recovery centers gave her a new perspective on purpose. Her move into medical sales was more than a career shift — it was a chance to align with her mission to support non-addictive pain solutions. This episode is a powerful reminder that the road to success isn't always linear. From tanning salons to treatment centers to medical device sales, Haley's story proves that resilience, relationships, and the courage to pivot can lead to impact and fulfillment. Whether you're in healthcare, sales, or considering a leap into something new, this conversation will move you — and motivate you. Connect with Haley: LinkedIn Connect with Me: LinkedIn Love the show? Subscribe, rate, review, and share! Here's How » Want to connect with past guests and access exclusive Q&As? Join our EYS Skool Community today!

Trevor McCandless is the Founder and Chief Entrepreneurial Officer at Fusion CPA, a boutique financial advisory firm specializing in tax planning, accounting, and business advisory services for growth-minded entrepreneurs. Under his leadership, Fusion CPA has grown into a dozen-CPA powerhouse, delivering tailored financial strategies through its proven three-step framework — Stabilization, Strategy, and Scaling. Trevor holds a bachelor's degree in accounting from the University of Florida and a master's in taxation from Georgia State University. He is a strong advocate for leveraging technology (NetSuite, QuickBooks, AI tools) and the EOS methodology to streamline operations and build high-performing finance functions. In this episode… What if your tax strategy could be so effective that it allowed you to live on a tropical island while building a thriving business? Most people assume financial freedom and lifestyle flexibility are years away — if they're possible at all. But what if the right planning, mindset, and tax approach could make that dream a reality? Trevor McCandless, a CPA and tax strategist, shares how he transformed his childhood lessons, relentless curiosity, and financial savvy into a dynamic career that combines entrepreneurship with lifestyle design. Trevor highlights the value of strategic “laziness,” advocating for hard work early in life to enjoy greater freedom later. He emphasizes building financial resilience, avoiding unnecessary debt, and prioritizing clarity in family-business relationships. His journey — from selling pens in elementary school to launching multiple businesses and relocating to Puerto Rico for tax advantages — offers a blueprint for others looking to structure a life-first business model. Tune in to this episode of the Smart Business Revolution Podcast as John Corcoran interviews Trevor McCandless, Founder and Chief Entrepreneurial Officer at Fusion CPA, about how to minimize taxes, build lasting businesses, and design a meaningful life. Trevor also shares why he moved to Puerto Rico, how he handled burnout during COVID-19, and why he's now championing family-run businesses in his upcoming book.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Running an agency can feel like chaos on repeat—clients, team stress, and no clear direction. You're not alone. Today's featured guest has built and sold a $3M+ agency, kept employee turnover under 5%, and is now launching a focused, values-driven agency built to thrive in today's market. He shares some hard-won lessons on building a culture your team will never want to leave, attracting clients who respect your expertise, and creating the clarity and focus you need to scale without burning out. If you're an agency owner who's tired of the chaos and wants a clearer, saner path forward, this conversation will give you a roadmap worth following. Colin Hetherington is the founder of the newly minted Common Good in Dublin, but he's no rookie. Before that, he co-founded Zoo Digital, growing it past $3M a year before it was acquired, and even earlier, he pitched and built agency.com's Dublin presence when Ireland barely had broadband. After building and scaling agency.com Ireland, Colin and two colleagues grabbed coffee after a client meeting and decided, “There's a better way to do this.” It wasn't a grand plan with a 50-slide deck. It was a hunch—and a leap of faith. In this episode, we'll discuss: Why he believes in taking the leap before you're ready. Build systems or burn out. How to keep turnover at less than 5%. Why focus is the ultimate power move. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Look for the Venn Diagram Sweet Spot Colin's first experience in digital marketing came when he worked for an agency in San Francisco back in 1999. At iTraffic, subsequently taken over by Agency.com, he learned about what was called at the time ‘internet advertising', and five years later he pitched the idea of setting up Agency.com in Dublin.  Their developing edge was putting strategy, creative, and technology under one roof at a time when agencies treated digital as an afterthought. That unique combination allowed them to win big clients like the National Lottery and the Irish Tourism Board with a tiny seven-person team. In just two years, they went from zero to driving 12% of the group's revenue and Colin and his partners felt ready to grow their own business. Hitting Their Stride with Innovation Zoo launched in 2008, right before the Great Recession and right as businesses started pulling back and budgets evaporated. However, they were able to adapt by winning some solid clients and partnering quietly behind the scenes with agencies that couldn't handle digital in-house. They found scrappy ways to deliver big ideas on smaller budgets, often using student illustrators or leaner production. By 2015, they'd grown the team to fourteen people and were hitting their stride with their original formula of combining strategy, creative, and technology under one roof that led them to work with big names like Redbull. After bringing innovation to countless brand events, Colin's agency started focusing on UX and got an important partnership with one of the largest banks in Ireland. While not every flashy innovation won new business immediately, it got them on pitch lists and made their team proud. Hiring Before You're Ready Colin's hiring strategy has always been taking leaps of faith. Instead of hiring one by one, they'd hire in threes or fours—betting on themselves to fill the pipeline. This was even back when they couldn't forecast beyond five months. For Colin, there was no use in debating and agonizing over these leaps for weeks when the team was already stretched for 1–2 months straight. Playing too small can be riskier than making bold, smart bets and, as they learned over time, taking those leaps of faith paid off every time. Every time they made that leap, the new team members were busy almost immediately. Build Systems or Burn Out On the other hand, Colin was not as quick to scale processes as they grew the team, which resulted in many projects being delayed and clients rightly unhappy about the situation. At one point, Colin was heading to a client meeting with that sick-to-your-stomach feeling that they were about to get fired for missing deadlines. They didn't get fired, but the client laid it out: “We love you, but can you ever deliver on time?” That wake-up call pushed Colin to bring in operations help, implement systems, and build scalable processes so they could grow without chaos. This next step also required them to admit they just weren't great project managers and needed outside help to build the foundations to grow the business. Culture Is What You Live, Not What You Write Colin managed to keep his agency's employee turnover at less than 5% by putting a heavy focus on culture while he was at Zoo. It's easy to slap a “values” page on your agency's website. He understood that reducing churn meant reducing time spent on getting people up to speed, for instance, but he also understood that culture isn't what you write down—it's what you live. For Colin, it all came down to leadership and how the leadership team delivers culture. For starters, they treated people like adults, trusting their team to own their work without micromanagement, and recognizing that work is just one part of life. When hard times hit, like during COVID, Colin and his partners were transparent. They had to temporarily reduce salaries but promised to pay it back when the storm cleared—and they did. That act of integrity built trust in a way no ping-pong table or Slack emoji ever could. Your Values Attract the Right Clients (and Repel the Wrong Ones) If you've ever worked with a nightmare client—the kind who demands everything yesterday, disrespects your team, and thinks paying your invoice is a license to treat you like dirt—yyou know the toll it takes on your team and energy. On this, Jason and Colin agree: it's better to walk away. Colin has learned that sharing the unspoken values you hold as a team don't just keep your culture healthy; they also shape the clients you attract. The best, longest-lasting client relationships he had were with organizations that shared similar values around respect, partnership, and clear communication. As to the nightmare clients? Those relationships were doomed from day one because the values were out of sync. Focus Is the Ultimate Power Move After selling Zoo, Colin is launching his new agency, Common Good, with one big lesson in mind: Focus beats everything. Instead of being a generalist, Colin is zeroing in on serving state and civil service organizations in Ireland. He believes these organizations are doing important work that deserves to be communicated well—and that clear positioning will set them apart in a market where every agency says the same thing about their “process, portfolio, and people.” What's more, Colin isn't trying to build another 60-person agency. He's embracing the shift in the market toward lean, senior teams that can deliver high-quality work without unnecessary bloat. If you're still in the grind of your first agency, it's normal not to have perfect clarity yet. You have to try things, learn what drains your energy, and double down on what gives you energy. The sooner you build reflection time into your schedule, the sooner you'll find your agency's true direction. It may be hard to take the time to really think about these things. The day-to-day of running an agency can drown you in Slack messages, client calls, and fires to put out. But stepping back—even for a few hours each week—to reflect on where you're going and why can be the difference between a business that drifts and one that thrives. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Shark Tank can help launch a brand, but it's what happens next that matters. In this episode, Boarderie co-founder Rachel Solomon Fascitelli shares how profitable growth and in-house marketing have helped them become one of the fastest-growing food brands in the U.S. We talk about their early startup days, how landing a Shark Tank deal changed their business, and what they've done to keep the curated, handcrafted quality of their product while scaling to $65 million in just two years. Tune in to hear about the bold decisions that set them apart! Topics discussed: The original story of Boarderie Boarderie's Shark Tank experience How working with Lori helped the business expand Why they shifted from a B2B to DTC model Managing shipping costs and logistics In-house marketing and profitable growth Boarderie's next big product launch How Boarderie gives back and minimizes waste Resources: Mitlin Financial: https://www.mitlinfinancial.com/ The JOY and Productivity Journal by Lawrence Sprung: https://www.amazon.com/JOY-Productivity-Journal-brought-mindset/dp/B0CYQFYW54/ Download Your Free Copy of the Couple's JOYful Money Guide: https://mitlin.us/CouplesJOY Connect with Larry Sprung:  LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Rachel Solomon Fascitelli: Instagram: https://www.instagram.com/rach_solo/ LinkedIn: https://www.linkedin.com/in/rachel-solomon-fascitelli-6a0a82119 Boarderie Website: https://boarderie.com/ Boarderie Email: info@boarderie.com About our Guest: Rachel Solomon Fascitelli is the co-founder and co-CEO of Boarderie, a Florida-based company specializing in pre-arranged gourmet cheese and charcuterie boards delivered nationwide. She co-founded Boarderie in 2020 alongside Aaron Menitoff, leveraging her background in finance and business operations to help pivot from traditional catering to a scalable e-commerce model during the COVID-19 pandemic. Rachel holds a bachelor's degree in economics and psychology from Barnard College. During her studies, she interned at organizations such as CBRE and J.P. Morgan, and worked as a financial analyst at Citi. Boarderie gained national attention after appearing on Season 14 of Shark Tank, where they secured an investment from Lori Greiner. Following the show's airing, the company experienced a significant surge in sales, reaching $70 million in revenue. Boarderie has also been featured on Oprah's Favorite Things list and holds a Guinness World Record for the largest charcuterie board. Rachel continues to lead Boarderie focusing on growth, product innovation, and expanding the brand's presence in the gourmet gifting market. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site.

Send us a textJoin us as we dive into the inspiring story of Kayla Johnson, a fitness expert who turned the challenges of COVID into an opportunity to reinvent her business — and her own life.In this episode, Kayla shares how the pandemic became a powerful catalyst for change, inspiring her to pursue her passion: helping women over 35 navigate the physical changes of midlife with strength and confidence.We cover:✨ How to embrace the unexpected pivots of midlife✨ The importance of foundational nutrition for lasting wellness✨ Why community is key to success in fitness✨ Cardio vs. strength training — and how to find the right balanceWith over 30 years of experience in the fitness industry, Kayla brings so much wisdom, perspective, and actionable advice for anyone ready to make positive changes to their health.Find Kayla:WebsiteInstagramFind Jess below!Website: Simply Jess Skincare SIMPLY JESS SKINCARE:Each and every product is naturally derived, highly concentrated and most importantly, super performing! Every product was born out of a need to have a truly pure product that met my high standards for efficacy. Subscribe to Our Newsletter! You can take 20% off Your Order of our all natural skincare line with code: PODCAST Shop Now! Favorite Supplements for Health and Fat loss: Click HERE My favorites are the Power Greens, Digestive Enzymes and Brain Power Mushroom Coffee-15% off with Code: SIMPLYJESSSKINCARE15 Click HereEmail Us! jess@learningtoglow.comFollow us! Instagram Tik Tok

Dr. Raj Chand, President at Inova Fair Oaks Hospital, joins the podcast to address the pressing issue of psychological safety and workplace violence in healthcare. He outlines key initiatives such as the “Care Imperatives” and “Care Peer Support Program,” and reflects on how the COVID-19 pandemic intensified social polarization, staff pressures, and resource constraints. Dr. Chand also shares his leadership approach to de-escalation and fostering a supportive work environment for caregivers.

Dr. Kirk Moore is a hero of the COVID wars. He administered saline shots instead of COVID vaccines to his patients and issued vaccine cards to them, allowing them to continue with their work or school. In doing so, Dr. Moore preserved the health of his patients and fulfilled his Hippocratic Oath to do no harm. He was subsequently charged by the Biden administration in 2023 with violating laws that resulted in “sabotaging” the rollout of the COVID-19 mRNA vaccines. Appeals to the new Trump administration to pardon the doctor or dismiss the case were ignored, and the trial moved forward.   Jury selection was done, and the discovery phase had begun. The trial had gone on for one week. Officials were being interrogated on the witness stand. Colleagues, patients, friends, and patriots filled the courtroom, and a growing awareness of this ongoing travesty of justice was evident through social media.   Then, in the eleventh hour, the charges were suddenly dropped. US Attorney General Pam Bondi said, “Dr. Moore gave his patients a choice when the federal government refused to do so. He did not deserve the years in prison he was facing. It ends today.” She undoubtedly acted with the approval, if not the insistence, of President Trump. And it really was over, because there was a provision that the government could not bring it again.   At first, it seemed like a miracle. Everyone we know was delighted for Dr. Moore and his loved ones, and so were we.   However, a compromise agreement was forced on Dr. Moore as part of the government's decision to drop the case: Dr. Moore would NOT be allowed to sue the government for costs.   In addition to the caveat, the whole thing began to look suspicious. There was no ripple effect. Secretary Robert F. Kennedy Jr's Health and Human Services was still endorsing the vaccine for large populations of patients. Anyone over 65 years of age was supposed to receive it, as was anyone else who had pre-existing conditions, including pregnant and nursing mothers, and babies 6 months of age and older.   This meant that there were literally hundreds of thousands of patients who ran the risk of being murdered or disabled by lifelong conditions due to the ongoing distribution of the vaccines. A significant number of patients, especially among the elderly, the ill, and pregnant women and their children, would die before their natural time, from heart disease, from a damaged immune system, from miscarriage or stillbirth, to hundreds of other identified adverse effects of the jab.   Was there an increasing awareness in the administration about the damage done by the mRNA vaccines? Was this ending of the trial an acknowledgement of the heroism this physician demonstrated in protecting his patients from the potentially deadly effects of the COVID-19 vaccine? Were we going to see mRNA vaccines suspended and banned? Damaged patients recognized and helped? Charges brought against those responsible for creating and pushing the toxic, deadly mRNA bioweapons upon a gaslit public?   “Trump and Bondi are stopping discovery!”   All of this was puzzling us, until Ginger Breggin realized in a flash, “Trump and Bondi are stopping discovery. They don't want the public hearing revelations about the COVID-19 and deadly jabs.”   But we remained puzzled about the timing. Why wait so long into the trial before ending it? Was it just to stretch out the punishment of the good doctor and those who care about him, as well as those who want to see a full investigation and rejection of the COVID-19 attack on humanity?   And there was that caveat to the ending of the trial, a compromise demanded by the government — that Dr. Moore agree not to sue.   Enter Sasha Latypova   Our radio interview with Sasha Latypova, released on podcast on July 18, 2025, has helped clarify our understanding of the government's conduct.   Latypova is a very successful retired pharmaceutical consultant who has become a reformer, initially in response to the travesties of COVID-19. She is now among the very top of vaccine and pharmaceutical experts in the entire health freedom and freedom movement. She, along with another great freedom fighter, Katherine Watt, had helped Dr. Moore's legal team develop his defense.   In our interview with Latypova, she reports that the judge had initially ruled against Dr. Moore presenting critical information in his defense about the deadliness of the vaccines. The government allowed the trial to begin and continue because it had no fear of COVID-19 disclosures coming to light. Nothing would come up to discredit Trump's beloved Operation Warp Speed and to bring the global conspiracy crashing down. But the government made a mistake by bringing up one of the suppressed subjects. So the judge now lifted the secrecy of specific materials about the murderous effects of the vaccines that Dr. Moore was refusing to give to his patients. Kirk Moore's team was about to blow open the whole Covid Murderous Scam.   A Comment by Dr. Breggin   In my legal work as a medical expert, I have testified in cases where judges have ruled out my bringing up information that would harm the other side's case, and sometimes I have been able to legally get past the prohibition. In a case against St. Elizabeth's Hospital in Washington, DC, an older man was petitioning for release after decades of horrendous, involuntary incarceration. At the start of the trial, the judge ruled that I could not testify about my findings in the hospital records that the man had been repeatedly sexually abused since he was hospitalized as a teenager, causing his condition to vastly deteriorate over many years of being abused while locked up.   After my direct testimony, in which I was not allowed to discuss the most important issue in the case, the repeated sexual abuse of my client, I now had to face cross-examination by an attorney representing the hospital. During the cross-examination, the increasingly hostile lawyer for the hospital asked me in a sneering fashion, thinking he would trap me in front of the jury, “If the patient is not schizophrenic as every hospital doctor has diagnosed him for decades, what's your diagnosis?”   I responded, “Chronic Post-Traumatic Stress Disorder Due to Repeated Sexual Abuse in the Hospital.” Of course, the lawyer protested that I had broken the rules, but the judge replied, “You asked him the question, counselor, and he gave an appropriate answer.” The judge ruled that the answer would be allowed, and then I was able to amplify it with the hospital records during re-cross by the victim's attorney.   Probably because this incriminating material of severe injustice was brought to light, the jury gave the remarkable and unexpected opinion that the man was not mentally ill and that the hospital must find a better, safer placement for him.   From Dr. Peter Breggin's resume:   1991: In Washington, D.C. in Richey v. St. Elizabeth's Hospital, an elderly man involuntarily hospitalized since his teenage years and now suffering from post-traumatic dementia brought an action to be released from St. Elizabeths Hospital in DC on the grounds that he was not mentally ill. He chose a jury trial. Dr. Breggin testified that the young man had not been severely disturbed when admitted for problems with truancy but was raped in the hospital, an event leading to a lifetime of incarceration in the institution. Dr. Breggin documented incidents of physical and sexual abuse in the hospital throughout the inmate's lifetime hospital stay from his teenage to his elder years. Dr. Breggin also testified on the impact of multiple medications, electroshock, repeated sexual abuse, and chronic institutionalization on the man as a teenager, adult, and elder. The jury found for the patient, declaring that he was not mentally ill, and by implication, that he was a victim of chronic, continuing abuse. The judge ordered the hospital to facilitate his release to a less restrictive environment.   We believe the Trump administration stopped the case against Dr. Kirk Moore precisely in order to prevent shocking discoveries which would have finally shed public light on Covid jab deaths and destruction, and the massive global coverup. And that is also why they had to stop Dr. Moore from bringing another embarrassing case, asking to be refunded his enormous costs from the legal fees and his loss of income.   The only explanation that makes sense is that the charges against Dr. Kirk Moore were dropped to avoid discovery under oath in a court of law of officials who had participated in the greatest product liability negligence and fraud cases in the history of medicine — virtual mass murder.   We, the American people, are witnesses to the Trump regime becoming coconspirators in the ongoing program to destroy freedom and human life under the fraudulent banner of public health responses to pandemics. The global predators behind all this are clearly planning to do this to us again and again as a major bioweapon against humanity and human freedom.   In this amazing interview with Sasha Latypova, she describes another case in which she is involved, in this other case not only as a consultant but as a potential expert witness. The new case is Dutch, and it's against Bill Gates and other “vaccine” masterminds for genocide!   Latypova describes chilling factors surrounding the case in Europe that will confirm her incredible courage and honesty in participating, while it re-emphasizes that the governing powers across the Western World are intent on protecting COVID-19 as a model for keeping us in line, while depopulating us and weakening our resistance to them.   A Final Comment by Ginger Breggin   Prior to Dr. Moore's trial, we had already watched with dismay as the FDA, under Secretary Kennedy's leadership, approved a new Moderna vaccine. Truth be told, I should have seen it then. A lifetime ago, in my own childhood, an epidemic of birth defects that were both shocking and profound emerged. Newborn infants, with severely foreshortened arms or legs, sometimes missing altogether, or with other damage to eyes, ears, genitals, or internal organs, faced a lifetime of challenges. Some babies were so badly deformed that they could not survive, dying shortly after birth. The causative drug, thalidomide, was pulled from the global market. It took the individual courage and tenacity of Dr. Frances Oldham Kelsey, a physician and reviewer in the FDA, to ensure the drug was never approved for use in the United States, and thus only 17 cases emerged domestically.   This time, despite the disastrous and continuing rise in deaths and injuries from the mRNA vaccines, there is only denial. Surviving victims of the rollout of the COVID jab have been ignored and pushed aside, unacknowledged by the very agencies tasked with guarding the health of Americans. Instead of preventing an epidemic (which was never the threat we were told it would be) the supposed ‘solution' foisted upon us in a time of great fear has caused an epidemic of sudden deaths, turbo cancers, deadly white “clots” that were never before seen, heart attacks, heart failure, neurological disabilities, immune system failures, and untold suffering by patients and their families. And all of this is denied and covered up by our government.   The People of America Will Have to Push for an mRNA Ban   The push to abolish these toxic and deadly agents will have to come from the people of America. We are seeing in other arenas that the President of the United States does respond to his base and to his cabinet members. The push must come from the cabinet members involved, not downward from the President of the United States. Especially where the technology is as specialized as in medicine and public health, it is up to Robert F. Kennedy Jr. and his HHS officials and staff to inform and educate President Trump about the destruction and damage caused by mRNA vaccines and the mRNA platforms that are being massively pushed by the global predators. Trump's advisors owe it to him and to humanity, and otherwise they become coconspirators to their own future genocide trials.   We must demand that the government acknowledge the COVID-19 jab deaths and widespread harms and stop all human experiments using mRNA genetic platforms. We must demand that the government acknowledge the wounded and help to ease the burdens of the adverse effects inflicted upon them. The “experiment” should be over. It is time to stop the obvious killing and mayhem. Indeed, the call for further studies on current mRNA vaccines, as RFK Jr. suggested, is a travesty in the face of the great experimentation that turned into a massacre.   We, the wounded, the doctors treating the wounded, the public citizens who have had their eyes opened through the dreadful witnessing of death or disability of loved ones and friends and neighbors — we have to carry the message. We must warn our fellow citizens and demand that the administration — whomever is in office — abandon this toxic, destructive, practice that masquerades as a “treatment.” Nobody is being treated. And millions have already died. For the sake of all Americans and humanity, abandon this madness.   First published on AmericaOutLoud.news July 16, 2025 and July 18, 2025     ______   Learn more about Dr. Peter Breggin's work: https://breggin.com/   See more from Dr. Breggin's long history of being a reformer in psychiatry: https://breggin.com/Psychiatry-as-an-Instrument-of-Social-and-Political-Control   Psychiatric Drug Withdrawal, the how-to manual @ https://breggin.com/a-guide-for-prescribers-therapists-patients-and-their-families/   Get a copy of Dr. Breggin's latest book: WHO ARE THE “THEY” - THESE GLOBAL PREDATORS? WHAT ARE THEIR MOTIVES AND THEIR PLANS FOR US? HOW CAN WE DEFEND AGAINST THEM? Covid-19 and the Global Predators: We are the Prey Get a copy: https://www.wearetheprey.com/   “No other book so comprehensively covers the details of COVID-19 criminal conduct as well as its origins in a network of global predators seeking wealth and power at the expense of human freedom and prosperity, under cover of false public health policies.”   ~ Robert F Kennedy, Jr Author of #1 bestseller The Real Anthony Fauci and Founder, Chairman and Chief Legal Counsel for Children's Health Defense.  

On today's episode of The Ultimate Assist, John Stockton and Ken Ruettgers sit down with entrepreneur, chiropractor, and vaccine safety advocate Dr. Patrick Gentempo. From exposing government overreach during the COVID era to breaking down the dark realities behind vaccine mandates, Patrick doesn't hold back. He dives into the suppressed science, regulatory capture, and the long-term health consequences of pharmaceutical agendas. This is a no-fluff conversation on freedom, fraud, and fighting back—one starfish at a time.

In this episode of Real Estate Real World, host Marguerite Crespillo sits down with the one and only Liz Brown, a top-producing Realtor based in Richmond, Virginia. Liz is also the founder of Film School, a weekly coaching program that helps real estate agents show up online with confidence and consistency. Liz shares her unfiltered journey — from grinding on Zillow leads and cold calls to building a thriving business with video content on TikTok and Instagram. What started with filming garage workouts during COVID turned into a daily video habit that transformed her brand, brought in clients, and grew her nationwide reach. Together, Marguerite and Liz dive into the mindset, strategies, and systems you need to market stale listings, grow your audience, and build a consistent brand presence — even if you're not tech-savvy or "video-ready." Whether you're a new agent or a seasoned pro feeling stuck, this episode is full of real talk, tactical tips, and hilarious truth bombs. How Liz went from cold calling to content queen Why perfection is the enemy of progress in video marketing The simplest way to get past the fear of showing up online Creative ways to market a stale listing (even if it's overpriced) How to use ChatGPT to identify buyer personas Why your next listing video might need… a Walmart feature Why "they're just people" is the most empowering phrase in real estate  Resources, People, and Books Mentioned: Gary Vee – www.garyvaynerchuk.com (GaryVee's TikTok/real estate advice inspired Liz's video journey) Gogo Bethke – Instagram: @gogosrealestate Amy Gregory – Instagram: @amyegregory Kristen Dunn – Instagram: @kristendunnrealestate Renee Funk – Instagram: @reneefunk (credited with smart seller photo strategies) ChatGPT – Used by Liz to identify who the actual buyer is for a property EXP Realty – Where Liz coaches agents nationwide Film School by Liz Brown – Weekly video coaching for agents Featuring: Guest: Liz Brown Follow her at: TikTok, Instagram, YouTube: @lizbrownrealtordaily All links: https://linktr.ee/liz_brown_realtordaily_ Host: Marguerite Crespillo Connect with Marguerite: Website: www.MargueriteCrespillo.com Instagram: www.instagram.com/margueritecrespillo Facebook: www.facebook.com/MySuccessTuneups TikTok: www.tiktok.com/@margueritecrespillo Link Hub: https://stan.store/thecrespillogroup Subscribe + Review: Visit www.realestaterealworld.com for all episodes, resources, and upcoming guests. Subscribe on iTunes or Spotify and leave us a 5-star review if this episode gave you something to smile about (or finally convinced you to hit “record”). #RealEstateRealWorld #LizBrownRealtorDaily #MargueriteCrespillo #FilmSchoolForAgents #RealEstatePodcast #RealEstateCoaching #EXPRealty #VideoMarketingTips #RealEstateListings #TikTokRealtor #RealEstateContent #WomenInRealEstate #AgentBranding #RealEstateTips #ColdCallsToCamera  

On this episode of Banking on KC, Mike Vogt, President of Staying Home Corporation, joins host Kelly Scanlon to discuss how home accessibility solutions are helping seniors live independently and safely in their own homes. Tune in to discover:How COVID-19 accelerated the trend of aging in place.Why accessibility products like stair lifts and home elevators make financial and emotional sense for families.How Staying Home Corporation is innovating with battery-powered and solar-enabled mobility solutions.Country Club Bank – Member FDIC

Erica Wass, Principal Product Consultant at Brainmates, joins the Product Experience podcast to share pragmatic tools for building strategic foresight into your roadmap. From horizon scanning to backcasting, this episode explores how product teams can harness future-focused techniques—bolstered by generative AI—to improve decision-making, resilience, and impact.Chapters:0:00 – Why foresight matters in product1:00 – Introducing Erica Wass2:30 – How product is changing3:45 – The value of strategic foresight5:00 – Clarifying the term and its importance7:00 – Who owns foresight in the product org10:00 – Techniques: Horizon scanning, scenario planning, backcasting14:30 – Horizon scanning in action: Google & Android16:00 – Scenario planning for resilience21:00 – Tips on running scenario sessions23:45 – Backcasting: Vision-first roadmapping26:00 – Using AI to accelerate foresight30:00 – Product team dynamics in the AI era33:00 – Mistakes to avoid and balancing action with foresight37:00 – Wrap-up and takeawaysKey Takeaways— Horizon scanning helps teams identify early, weak signals that may grow into significant trends.— Scenario planning enables resilience by preparing teams for a range of plausible futures.— Backcasting flips traditional planning by working backward from a long-term goal to define near-term milestones.— Generative AI can democratise access to foresight tools—when used with critical thinking and proper validation.— Product professionals should take a proactive role in guiding strategic conversations, regardless of their title.— Avoid extremes with AI: neither fear it nor over-rely on it. Use it as a pairing partner rather than a replacement.Our HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath. Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

America Out Loud PULSE with Dr. Vaughn & Dr. Tankersley – Senator Ron Johnson's Senate hearing shines a light on vaccine injuries, federal health agency credibility, and the influence of pharmaceutical lobbyists. Personal stories and expert testimonies reveal hidden harms and challenge the mainstream “safe and effective” narrative. Calling for transparency, accountability, and honest science to restore trust in our healthcare system and...

Abbey Sharp is a world-renowned Registered Dietitian (RD), content creator, award-winning author, TV personality, host of the podcast Bite Back, CEO of Abbey's Kitchen Inc, and Co-Founder of Neue Theory. With over 2 million followers across social media, Abbey shares her core philosophy that a pleasurable relationship with food, your body and yourself is the fundamental secret to good health. She has made it her mission to dismantle diet culture, debunk nutrition misinformation online, and help people achieve food freedom for good. With her signature science and sass, Abbey Sharp is one of the world's most trusted sources of nutrition information. Listen to Bite Back here: https://www.seekyoursounds.com/podcasts/bite-back-with-abbey-sharp We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter

How do you transform an unexpected rhinestone t-shirt business into a thriving clothing brand with a loyal online following? In this episode, I'm joined by Alinda Hale to talk about how adaptability, authenticity, and deep customer understanding helped her scale—especially through the challenges of COVID-19. She also shares how she brought her family into the business, embraced live selling, and built strong community ties. Resources:  Alinda Hale: Instagram Join The Boutique Hub     Ashley Alderson: Instagram     The Boutique Hub: Website | Facebook | Instagram | Pinterest | TikTok | YouTube 

America Out Loud PULSE with Dr. Mary Talley Bowden – I reveal hidden truths behind COVID-19's origins and the dark side of gain-of-function research. Drawing from my insider experience at EcoHealth Alliance, I expose ethical failures, secrecy, and government complicity, calling for military tribunals to ensure accountability and protect public health. Discover the urgent need for reform and transparency...

There are more than sixteen thousand care homes across the UK, housing around half a million people. Staggering numbers. They are meant to be places of safety, support, and quiet, relaxed companionship for the people who live and work in them. But when COVID-19 arrived, they became one of the pandemic's deadliest frontlines. In a bid to see what might be possible, the Vivaldi Study - a nationwide effort to gather data from inside care homes - was launched. Can better data improve the lives of people in care homes? Like this podcast? Please help us by supporting the Naked Scientists

On this Live Greatly podcast episode, Kristel Bauer sits down with Priya Sam, former national morning show host and news anchor turned storytelling expert.  Kristel and Priya discuss how to fine tune your story to support career advancement, optimal relationships and success.  They discuss how to boost courage and confidence to tell your story, some tips and tricks to help you amplify your story and lots more!  Tune in now!  Key Takeaways From This Episode: How to use storytelling to support career advancement A look into Priya's journey from being a news anchor to becoming a storytelling expert How to boost confidence in telling your story How to overcome feeling boastful while telling your story Why details and preparation are important for optimal storytelling ABOUT PRIYA SAM Priya Sam is a Story Architect and the creator of the Power Story—a transformational approach to professional storytelling that helps high-achieving women unlock career-defining opportunities.  Her expertise is rooted in two high-performance arenas: national television and Big Tech. As a former national morning show host and news anchor, Priya didn't just read the news—she built instant trust and rapport with politicians, celebrities, and everyday people alike. Her ability to draw out compelling, memorable stories under pressure became her superpower when she pivoted to tech.  In just two years, Priya doubled her salary and became a go-to speaker at Salesforce, a global company of 70,000+ employees. She's received an offer for every job she's interviewed for—proof that her Power Story methodology works in high-stakes environments.  Today, through her signature frameworks and coaching, Priya helps women step into the spotlight with confidence, communicate their value with clarity, and become unforgettable in rooms where decisions are made. Her clients have landed Director-level roles, secured five-figure raises, and built personal brands that open doors to the next big opportunity. Connect with Priya Website: https://priyasam.com/#/  Instagram: @priyasam Linkedin: https://www.linkedin.com/in/priyasam/ The Power Story Playbook: https://priya-sam.mykajabi.com/the-power-story-playbook About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to “Live Greatly” while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

THIS IS A PREVIEW PODCAST. NOT THE FULL REVIEW. Please check out the full podcast review on our Patreon Page by subscribing over at - https://www.patreon.com/NextBestPicture For this week's second podcast review, Dan Bayer, Giovanni Lago, Daniel Howat & Brendan Hodges, join me to review and discuss the latest film from Ari Aster, "Eddington," starring Joaquin Phoenix, Pedro Pascal, Luke Grimes, Deirdre O'Connell, Micheal Ward, Austin Butler & Emma Stone. After its world premiere at the 2025 Cannes Film Festival, much like Aster's other films, his COVID-19 pandemic-set Western has sparked an intense discussion surrounding its themes, execution, and intention. Like the characters in the movie itself, no one can seem to see eye to eye on anything regarding it. What did we think of it? Please tune in as we discuss the story, its themes and style, performances, cinematography, our experiences with the pandemic and how it changed the world, the film's awards season chances, and more in our SPOILER-FILLED review. Thank you super duper very much for listening. We hope you enjoy it! Check out more on NextBestPicture.com Please subscribe on... Apple Podcasts - https://itunes.apple.com/us/podcast/negs-best-film-podcast/id1087678387?mt=2 Spotify - https://open.spotify.com/show/7IMIzpYehTqeUa1d9EC4jT YouTube - https://www.youtube.com/channel/UCWA7KiotcWmHiYYy6wJqwOw And be sure to help support us on Patreon for as little as $1 a month at https://www.patreon.com/NextBestPicture and listen to this podcast ad-free Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when two rural physical therapists in Montana are forced to shut down their clinics during COVID? For Emily Herndon and Samantha Schmidt, it was the beginning of something much bigger—a journey into legislative advocacy that would change physical therapy in their state.In this episode, they share how a telehealth billing loophole, a lawyer husband, and sheer necessity propelled them into leadership roles within the APTA. From drafting legal opinions to fighting for Medicaid reimbursement above Medicare rates, this conversation is packed with insight, strategy, and inspiration for any PT ready to make change.If you've ever thought, “What can one PT really do?” — this episode is your answer.Topics Covered:Discovering telehealth parity in Montana lawGetting 40+ insurers to change how they reimburse PTsHow to start advocating (even if you've never done it before)The dry needling legislation loss—and what it taught themBuilding a cost-per-visit case to fight for better Medicaid ratesThe importance of showing up and being “at the table”Guests:Emily Herndon, PTSamantha Schmidt, PTSubscribe & Follow:

One week ago, on July 15, U.S. Senator Ron Johnson of Wisconsin held a hearing titled: Voices of the Vaccine Injured. Senator Johnson is the Chairman of the Permanent Subcommittee on Investigations. Five witnesses gave their testimonies related to vaccine injuries and two witnesses spoke on vaccine efficacy. Interestingly, on the day of this hearing, WND.com released a story concerning an undercover video by the O'Keefe Media Group. They allegedly caught a scientist with Johnson & Johnson on undercover video who indicated that proper testing was not done on the COVID vaccines. This should surprise no one as there have been many individuals who've experienced severe health consequences due to certain vaccines. Unfortunately, their stories are largely ignored. This edition of Crosstalk brings such stories to light as you'll hear testimony from the following individuals: Emily Tarsell, whose daughter Christina died following the Gardasil vaccination. Dr. Brian Hooker, Chief Scientific Officer for Children's Health Defense, gave testimony concerning his son Steven. Dr. Robert Sullivan, a board certified anesthesiologist who himself was vaccine injured. Polly Tommey, the mother of a son who was vaccine injured. Krystal Cordingley, whose son Corbyn, died after a flu vaccination.

Student loan lawyer Stanley Tate joins us to tackle the big question we're all asking: what's actually happening with student loans right now? We're exploring the latest legislative changes, what they mean for your repayment strategy, and why Parent PLUS borrowers are especially freaking out. We talk through everything from the COVID payment chaos we all lived through to the potential collapse of graduate programs and the emotional toll of student debt policy. What you'll walk away with is information you can use, not just more anxiety. Whether you're strategizing payments or just trying to stay sane, this episode helps you navigate what's coming next. Key moments: (04:52) Future borrowers will see hard caps on how much they can borrow (09:11) Parent PLUS borrowers must get on an income-driven repayment plan by July 2026 (13:55) Should SAVE borrowers hold on or switch? We share our strategies (25:47) Resources to manage student debt exist, but you have to choose action over ignoring the problem (31:47) Our predictions for what happens to graduate programs moving forward (39:20) Student loans aren't a "set it and forget it" type of debt Resources mentioned: Connect with Stanley Tate Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

We're back from WoTCon, 50% of us have Covid, Jess created an imaginary sketch out of thin air (Cenn Buie?!), Jenny and Jess can't stop coughing, Naebs makes fun of them, and Kevin wheezes because Jenny and Jess muted their coughing. It's a real shit show! You're welcome.

In this week's episode, I'm joined by Sam Kendall, CEO of SalonIQ, one of the UK's leading salon software companies. I always enjoy conversations with tech providers because they see real data, and that means real insights into what's happening inside salons across the industry. Sam and I talk about AI, automation, online booking, the shift towards self-employment, and the surprising number of salons still not using salon management systems.We also dive into the trends SalonIQ is seeing in average bill size, rebooking, client retention, and retail sales. Plus, we explore how software is helping drive efficiency, improve the guest experience, and even replace some front desk functions.Whether you're tech-savvy or still relying on your appointment book and pen, this episode is a must-listen for understanding how technology is shaping the future of the salon business.IN THIS EPISODE:[00:00] Intro and welcome - Meet Sam Kendall, CEO of SalonIQ[03:12] What makes SalonIQ different[10:57] Nearly 50% of salons still don't use software![12:16] The online booking gap and what's holding salons back[15:08] Salon software and self-employment trends[18:40] What's stuck post-COVID: deposits, self-check-in, AI[22:30] Is AI replacing your receptionist?[25:18] What might salons look like by 2035?[28:28] Trends in client retention, average bill, and retail[30:59] Why retention is the biggest problem in the industry[34:16] Retail: flatlining or full of potential?[38:12] E-commerce: are salons really making it work?[39:12] Frequency of visit, are we gaining ground?[41:22] Where to find out more and connect with SamWant MORE to help you GROW?

Greg and Ed discuss something that is more common than many people think: being wrong about expecting some Thai government project or initiative to fail. It's pretty easy, as expats often fall into the rut of cynicism about the Thai government sticking to a plan and actually getting stuff done, but the truth is, Thailand sometimes gets stuff right!  Greg begins by bringing up Benjakitti Forest Park. It replaced the Thai Tobacco Monopoly, which occupied prime real estate between Sukhumvit and Rama IV for many years. When Greg heard it was going to be made into a giant public park, he was like, “Yeah right, it's gonna get taken over by mall and condo developers,” but lo and behold, the majestic Forest Park is now there for Bangkokers to see and enjoy, and has been written about in publications around the world. Ed follows with something different: when he heard about the epic scale of the COVID vaccine rollout in Thailand, he thought it would be widely inefficient with day-long queues. In fact, it was shockingly professional, and he was in and out of there in 30 minutes!  Greg continues with a story about the eventual success of the Thai Elite Card, and Ed follows with a discussion of electronic banking in Thailand and the unexpected return of the Shinawatra clan to Thai politics.  Lesson learned: Don't fall into the cynicism trap! Don't forget that Patrons get the ad-free version of the show as well as swag and other perks. We also sometimes post on Facebook, you can contact us on LINE and of course, head to our website (www.bangkokpodcast.com) to find out probably more info than you need to know.  

What would it look like to walk away from the "safe" career path and build something that truly lights you up? In this episode, I'm joined by Assia Mahmood—entrepreneur, mom, mentor, and owner of Windhaven Academy, a thriving childcare center in Texas. Assia's story is one of deep resilience and bold, purpose-driven leadership. She left a stable corporate job to follow her vision—and what happened next was anything but easy. We talk about what it really looks like to take a leap of faith when the timing isn't perfect (pregnancy, renovation delays, and a global pandemic, to name a few hurdles), and how staying rooted in your why can carry you through seasons of uncertainty.

What did you think of todays show??One wrong deal could set your business back years — especially now when cash is tight and the market can't be trusted. In this episode, we share how changes in the market have impacted our real estate business and what we're doing to protect our portfolios.From a looming mortgage fraud crackdown to COVID-19 relief programs ending, there's a lot going on. Tune in to hear where we see potential opportunities, what we're avoiding, and the number one thing you can do to survive this uncertain market!Topics discussed:Introduction (00:00)Our Q2 performance and Q3 updates (01:06)How to make direct leads work (05:06)Balancing high returns with rising risk (06:54)The impact of COVID-19 relief programs ending (08:40)Why the buyer pool is shrinking (12:23)Why your competition is offering better deals (13:37)How to protect your business in this economy (17:57)What we know about an incoming mortgage fraud crackdown (25:02)Chasing bigger deals vs. playing it smart (31:05)Don't make this mistake in your business right now (35:21)Learn more about the Collecting Keys SCALE Community! https://collectingkeys.com/scale/Check out the FREE Collecting Keys “Invest Anywhere” Guide to learn how to find deals in ANY MARKET Completely virtually (this is how we scaled to over a dozen markets)!https://instantinvestor.collectingkeys.com/invest-anywhereFollow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com

Nonprofit leadership is about listening, adapting, and staying grounded in your mission—even when facing uncertainty or unexpected challenges. Richard LeBer, President & CEO of the Harry Chapin Food Bank, joins us to kick off Season 3 of IMPACTability: The Nonprofit Leaders Podcast. In this heartfelt conversation, Richard shares his unexpected journey from the corporate world to nonprofit leadership, the critical role food banks play in addressing hunger, and the powerful personal stories that fuel his mission. He also opens up about navigating growing demand with shrinking resources, why safe peer networks are essential, and how culture and mission alignment drive organizational success. From a surprise $2M bequest to leadership lessons learned the hard way, this episode is packed with wisdom for nonprofit executives and board members alike. Whether you're in the trenches of nonprofit leadership or guiding from the Board room, this conversation offers real-world insight, practical advice, and inspiration for leading with purpose. Standout Quotes “Not every nonprofit executive has a safe person to talk to because there's so much competition.” “After Hurricane Irma, we overestimated revenue and had to make painful layoffs; we learned to be more frugal and cautious.” “Working in nonprofits has given me tremendous fulfillment and a different life than the corporate track.” Chapters & Timestamps 00:00 – Welcome & The Mission of Harry Chapin Food Bank 02:25 – From Corporate Executive to Nonprofit Leader 06:05 – Stories That Inspire and Fuel the Work 10:18 – Finding Fulfillment Beyond the Bottom Line 12:28 – Culture, Mission, and Decision-Making in Nonprofits 18:25 – Building Support Networks & Learning from Mistakes 29:15 – Leading Through Uncertainty and Funding Challenges 36:27 – Advice for Nonprofit CEOs and Board Members 41:05 – Reflections on Purpose, Fulfillment, and Community Guest Bio Richard LeBer is President & CEO of the Harry Chapin Food Bank of Southwest Florida, the largest hunger relief organization in the region. Under his leadership since 2016, the food bank has tripled fundraising, increased food distribution by 89%, and now serves approximately 250,000 people each month. Richard has led the organization through major challenges, including the COVID-19 pandemic, historic inflation, and multiple hurricanes such as Irma and Ian. His leadership and Board experience includes the Harvard Club of Southwest Florida, Feeding Florida, Atlanta Community Food Bank, and Georgia Mountain Food Bank. In 2023, Richard was named Man of the Year by Gulfshore Life magazine. Before dedicating his career to the nonprofit sector, Richard served as CEO of National Linen Service and held several executive roles in the for-profit space. He holds a degree from Harvard Business School and the University of Waterloo and enjoys reading, film, food, and running in his spare time. Connect with Richard LeBer at Harry Chapin Food Bank of Southwest Florida: Website: hcfb.org LinkedIn: linkedin.com/in/hcfbswfl Twitter/X: @HCFBSWFL Facebook:

E287: Why Can't We Talk About This?   E287 Introduction I was having a conversation with a woman the other day, someone I didn‘t know all that well and the topic of Covid vaccines came...

In this episode of the Tacos & Tech Podcast, host Neal Bloom sits down with Alex Adler, co-founder of Puesto, to talk about how a family with no restaurant background built one of the most beloved modern taco brands in the country. From its La Jolla beginnings to an expanding restaurant group that includes Marisi and Romana Norte, Puesto has grown through a mix of culinary authenticity, operational innovation, and cultural conviction. Alex shares the origin story of Puesto, early pivots that reshaped their entire concept, how Toast and DoorDash changed the game for their operations, and how they've kept taco trends and consumer tastes at the heart of their menu. Plus, we talk about non-alcoholic innovation, building culture at scale, and yes—his all-time favorite taco. Key Topics Covered The family roots of Puesto and why hospitality was a leap of faith How Puesto went from food stand concept to a multi-state operation The early pivot from fast-casual to full-service that changed everything Why crispy cheese and house-made tortillas are non-negotiables How Puesto adapted during COVID—and doubled down on delivery Tech tools that transformed operations (Toast, DoorDash integrations) Balancing menu staples with taco trend experimentation Why they built their own non-alcoholic tequila alternative Expansion news: new Puesto location, new concepts, and out-of-state growth Filet mignon taco, pistachio-serrano salsa, and why they still ring the bell Links & Resources Puesto Restaurants Marisi La Jolla Connect with Alex Adler LinkedIn: Alex Adler Connect with Neal Bloom LinkedIn Twitter: @NealBloom

Today's guest is Andrew Kostin, Executive Manager in Project Management at JPMorgan Chase. He joins Emerj Senior Editor Matthew DeMello on today's episode to explore the evolving challenges of combating retail and eCommerce fraud from a point-of-sale perspective. With the shift from brick-and-mortar businesses to online and mobile ordering models accelerated by the COVID-19 pandemic, many companies have found themselves ill-prepared for the rising tide of fraudulent activities. If you've enjoyed or benefited from some of the insights of this episode, consider leaving us a five-star review on Apple Podcasts, and let us know what you learned, found helpful, or liked most about this show! Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on the ‘AI in Business' podcast!

In this episode, we sit down with Huntsville native Ricky Fernandez, the Marketing Promotions Director and Game Day MC for the Rocket City Trash Pandas. From producing morning radio shows to selling chicken out of a truck during COVID, Ricky shares his winding journey to becoming the voice and energy behind one of Minor League Baseball's most exciting franchises.We dive into:The early days of the Trash Pandas and the challenge of launching during a pandemicHow Town Madison's growth has fueled the team's successThe transformation of the stadium into a multi-use venue hosting everything from SEC softball to holiday light showsWhat it's like being the MC in front of 7,000+ fans every nightThe unexpected success of theme nights—like Cat Night

Ever felt like you’re one ask away from changing your whole life? Well, this episode is inspiration you need to shoot your shot. This week Victoria is sitting down with Troy Benjamin, hot off his big win at the 2025 NAIDOC awards. Troy is the powerhouse behind Blak Brews, a proudly First Nations-owned tea brand that started during COVID and has since grown into a full-blown national success story. But this episode isn’t just about business wins. It’s about what it really takes to back yourself and stop waiting for someone else to give you permission to go after what you want... AKA the pep talk you didn’t know you needed. In this episode:

In this episode, our guest is Heidi Steinecker, DrPH & Principal of Health & Human Services Consulting at Resultant. With over two decades of leadership in public health and healthcare systems—including as Deputy Director of the California Department of Public Health—Heidi is helping states transform how they use data to prevent crises and protect vulnerable communities.Heidi takes complex public health challenges and breaks them down into clear, data-driven strategies that work. She's spent her career modernizing outdated systems, leading emergency responses, and designing early intervention models that save lives. Today at Resultant—recently named one of Fast Company's Most Innovative Companies of 2025—Heidi is focused on helping agencies turn massive amounts of public health data into actionable, equitable solutions.Heidi, welcome to the Talk to Your Pharmacist podcast. Now that our listeners have heard a bit about your background maybe you can fill in any gaps to that intro and share a bit about your personal life.Topics to discuss --How public health agencies can move from reactive to proactive using predictive analyticsWhy modernizing health data systems is no longer optional—and how to get startedFrom Classroom to Policy Leadership – before becoming California's Deputy Director of Public Health during the COVID‑19 pandemic How did your early experiences in teaching inform your approach to leadership and communication during a public health crisis?Leading Transformation at Scale – At CDPH, you transformed manual inspection systems into proactive, cloud‑based predictive models Can you discuss a specific challenge you faced transitioning these systems, and how you overcame resistance to change?Bridging Local and Global Health – Your doctoral work at MCW focused on infectious diseases in high-risk settings and you emphasize “local health is global health” How do you translate lessons learned in global health contexts to strengthen health systems here in the U.S.?Modernizing Public Health Infrastructure – In a recent podcast, you emphasized that modernization starts with relationships—combined with tech like AI and predictive analytics.What are the critical steps to building both the relational and technical foundations needed for effective public health modernization?Guest - Heidi Steineckerhttps://www.linkedin.com/in/heidiwsteinecker/Host - Hillary Blackburn, PharmD, MBAwww.hillaryblackburn.comhttps://www.linkedin.com/in/hillary-blackburn-67a92421/  ★ Support this podcast on Patreon ★

Sam Harris speaks with Marc Lipsitch about pandemic preparedness. They discuss what we learned from Covid, loss of trust in institutions, how to effectively communicate scientific information in the current media landscape, vaccine hesitancy, the safety of mRNA vaccines, the origins of Covid, gain-of-function research, virus hunting, the Trump administration's assault on scientific research and universities, future pandemic threats, and other topics. If the Making Sense podcast logo in your player is BLACK, you can SUBSCRIBE to gain access to all full-length episodes at samharris.org/subscribe. Learning how to train your mind is the single greatest investment you can make in life. That's why Sam Harris created the Waking Up app. From rational mindfulness practice to lessons on some of life's most important topics, join Sam as he demystifies the practice of meditation and explores the theory behind it.  

Comedy writer Rob Kutner (Conan, The Daily Show) joins the show to talk about his new book, The Jews: 5000 Years and Counting. As someone with a confusing relationship with myself, I had some questions! We also talked about Rob's retro case of Covid, growing up in Atlanta, being deported from Uzbekistan, writing for Dennis Miller vs. Jon Stewart vs. Conan and so much more. Plus we did a round of Just Me or Everyone, HGFY and Podcast Pals Product Picks! Get yourself some new ARIYNBF merch here: https://alison-rosen-shop.fourthwall.com/ Subscribe to my Substack: http://alisonrosen.substack.com Podcast Palz Product Picks: https://www.amazon.com/shop/alisonrosen/list/2CS1QRYTRP6ER?ref_=cm_sw_r_cp_ud_aipsflist_aipsfalisonrosen_0K0AJFYP84PF1Z61QW2H Products I Use/Recommend/Love: http://amazon.com/shop/alisonrosen Check us out on Patreon: http://patreon.com/alisonrosen   Buy Alison's Fifth Anniversary Edition Book (with new material): Tropical Attire Encouraged (and Other Phrases That Scare Me) https://amzn.to/2JuOqcd You probably need to buy the HGFY ringtone! https://www.alisonrosen.com/store/

The Airbnb Story. This is a story that illustrates how renting an air mattresses along with breakfast has grown into a multi-million empire. This is the ultimate example of insanity meets creativity. After hitting a brick wall in the business it was realized that they needed testimonials and reviews to help build trust in prospect clients. Roadblock sprouted as more city regulations formulated. Then Covid came this actually decreased business by 80%. Airbnb has made through all these obstacles and more and has become one of the largest travel companies serving millions of clients. For many, Airbnb is preferred over hotel stays.Subscribe to the Social Proof Podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast...Spotify: https://open.spotify.com/show/6GT6Vgj...

While the new spending and tax law boosted the Child Tax Credit by $200, child care costs have risen 30% since before COVID. The U.S. spends less of its GDP on child care and pre-kindergarten than other industrialized nations, and many families face tough choices when confronting the cost of child care. Also on the program: a calm start to the week for financial markets despite political instability in Japan and a trade war.

Join us in Oregon for our Bloom Together Business Soiree on September 4th! Get your ticket while you can at ⁠https://www.cubicletoceo.co/bloomtogether⁠ Most companies in the custom closets and home organization industry outsource their manufacturing, but Jennifer Q. Williams did the opposite, and it changed everything. As the founder of Saint Louis Closet Co., Jennifer invested in bringing the entire production process in-house from day one, a bold move that allowed her to deliver fully customizable builds, reduce lead times to 4–6 weeks, and maintain a 100% on-time installation rate. This strategy has fueled 34 years of sustainable growth and empowered her to say yes to complex, last-minute projects — including a high-profile build-out for Grammy-winning rapper, Nelly. In today's case study on building a customer service centric company, we'll dig into how in-house manufacturing didn't just build customer trust and media buzzworthy opportunities, but how it also protected her business from supply chain chaos during Covid and the recent tariffs, led to faster payment collection, and created loyal clients who now drive over 50% of Saint Louis Closet Co.'s revenue through repeat and referral business. Connect with Jennifer: Check out Nelly's closet: https://www.instagram.com/stlouisclosetco/reel/DHLxto6uTv5/ https://stlouisclosetco.com Linkedin: https://linkedin.com/company/saint-louis-closet-co/ Facebook: https://facebook.com/stlouisclosetco IG: @stlouisclosetco Iconic business leaders all have their own unique genius. Take this quick 10 question quiz to uncover your specific CEO style advantage: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cubicletoceo.co/quiz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you enjoyed today's episode, please: Post a screenshot & key takeaway on your IG story and tag me ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@missellenyin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@cubicletoce⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠o so we can repost you. Leave a positive review or rating at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.ratethispodcast.com/cubicletoceo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe for new episodes every Monday. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment.  The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply.  Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states.  Resources: Follow Hannah on Instagram  Show Notes: GetRichEducation.com/563 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income.    Keith Weinhold  3:29   Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now.    Keith Weinhold  10:21   Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down.    Keith Weinhold  11:23   Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace.    Keith Weinhold  16:30   And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing.    Keith Weinhold  20:29   How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional.    Keith Weinhold  22:02   I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners.   Keith Weinhold  23:51   coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it.    Keith Weinhold  24:31   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS 42056, they provided our listeners with more loans than anyone because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy?    Keith Weinhold  25:03   Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866   Caeli Ridge  26:13   this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream.   Keith Weinhold  26:31   Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat   Hannah Hammond  26:48   you too. It's been so great to get to know you on this ship, and it's been a lot of fun,    Keith Weinhold  26:51   and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that.   Hannah Hammond  27:19   Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt.    Keith Weinhold  27:44   That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that.   Hannah Hammond  28:03   Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up   Keith Weinhold  29:08   income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be.    Hannah Hammond  29:23   So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore.   Keith Weinhold  30:36   That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans   Hannah Hammond  31:11   Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset.    Keith Weinhold  32:26   So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here.   Hannah Hammond  32:37   exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets.   Keith Weinhold  32:56   Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you?   Hannah Hammond  33:04   I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil.    Keith Weinhold  33:04   This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that?    Hannah Hammond  33:42   At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market.    Keith Weinhold  34:27   Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you.   Keith Weinhold  34:40   Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream.   Speaker 3  35:33   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  35:56   You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  37:12   The preceding program was brought to you by your home for wealth, building, getricheducation.com.