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Democrats swept elections across the country, from New York City to New Jersey to Virginia to California, a resounding rejection of Trump, MAGA, and their politics of chaos. And let's just say… Donald Trump is not taking it well. Tonight, Don is joined by an all-star panel of friends of the show, Jennifer Welch, Reecie Colbert, Clay Cane, and Jolly, to break down the results, the message voters sent, and what this means for the road ahead. It's celebration meets analysis, and yes, a little well-earned gloating.

Join Ryan Wormeli and Andrew Erickson for their Week 10 fantasy football trade advice with their top wide receivers to buy low or sell high! Note: This show was recorded before the NFL Trade Deadline. Timestamps: (May be off due to ads) Intro - 0:00:00 Trade Analysis - 0:00:51 NFL Wallsmack Giveaway Promo - 0:10:38 WR to Buy: Tetairoa McMillan - 0:11:14 WR to Buy: DK Metcalf - 0:15:16 Trade Analyzer Promo - 0:19:42 WR to Sell: A.J. Brown - 0:19:55 WR to Sell: Deebo Samuel - 0:26:18 QB to Buy: JJ McCarthy - 0:29:20 TE to Sell: Zach Ertz - 0:36:05 Audience Questions - 0:37:50 Trade away Josh Jacobs and Courtlan Sutton, receive Ja’Marr Chase? - 0:38:02 Packaging Tetairoa McMillan and Diggs, who is a realistic target? - 0:39:32 (PPR, No Tight End slot, 2 Flex) Would you treat Bowers as WR1, or package him to improve a WR? - 0:40:31 Have both Bowers and Ferguson. Play Ferguson at Flex, or just trade him? - 0:42:31 Would you give Sutton to receive Tetairoa McMilland and Bill Merritt? - 0:42:43 Any underperforming TEs you like as targets in trades for Tucker Kraft manager? - 0:44:21 Trade Persuade - 0:47:30 Outro - 0:51:24 Helpful Links:Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcastsSee omnystudio.com/listener for privacy information.

Democrats win BIG in NYC, VA, and NJ. What does this reveal about American voters? Meanwhile, the government shutdown hits a record length. And finally, a new Vatican document stirs controversy over the Marian titles "Mediatrix" and "Co-Redemptrix." All this and more on the LOOPcast!The professionals at Ave Maria Mutual Funds have a morally responsible investment philosophy that's aligned with Catholic teaching. Start your morally responsible investment journey today by calling 1-866-AVE-MARIA or by visiting here: https://avemariafunds.com/LoopcastThis podcast is sponsored by Charity Mobile! New customers can get a free phone after instant credit, plus free activation and free standard shipping, when they switch to Charity Mobile with promo code LOOPCAST at https://bit.ly/LOOPcast_CharityMobileTIMESTAMPS:00:00 Welcome to the LOOPcast04:03 Big Night for Democrats42:13 Longest Shutdown in American History48:38 Good News57:58 Church Corner: Marian Title Controversy1:08:32 Twilight Zone1:22:11 Closing PrayerEMAIL US: loopcast@catholicvote.orgSubscribe to the LOOP today! https://catholicvote.org/getloopAll opinions expressed on LOOPcast by the participants are their own and do not necessarily reflect the opinions of CatholicVote.Schwartz Investment Counsel, Inc., a registered investment adviser established in 1980, serves as investment adviser for Ave Maria Mutual Funds. The Adviser invests in securities only if they meet the Funds' investment and religious requirements, and as such, the returns may be lower or higher than if the Adviser made decisions based solely on investment considerations. The Funds' method of security selection may or may not be successful and the Funds may underperform or outperform the stock market as a whole. All mutual funds are subject to market risk, including possible loss of principal. The Funds' investments in small and mid-capitalization companies could experience greater volatility than investments in large-capitalization companies. AVEWX invests in foreign securities and securities issued by U.S. entities with substantial foreign operations. Investments in these securities can involve additional risks relating to political, economic or regulatory conditions in foreign countries. These risks include less stringent investor protection and disclosure standards of some foreign markets; fluctuations in foreign currencies; and withholding or other taxes. AVEFX invests primarily in fixed income securities and as a result the Fund is also subject to the followings risks: interest rate risk, credit risk, credit rating risk, prepayment and extension risk and liquidity risk. AVEAX and AVERX are classified as non-diversified and may therefore invest a greater percentage of their assets in the securities of a limited number of issuers than funds that are diversified. At times, the Funds may overweight a position in a particular issuer or emphasize investment in a limited number of issuers, industries or sectors, which may cause their share prices to be more susceptible to any economic, business, political or regulatory occurrence affecting an issuer than funds that are more widely diversified. The issuers that the Funds may emphasize will vary from time to time.  Request a prospectus, which includes investment objectives, risks, fees, expenses and other information that you should read and consider carefully before investing. The prospectus can be obtained by calling 1–866–283–6274 or it can be viewed at www.avemariafunds.com. Distributed by Ultimus Fund Distributors, LLC.

Live from Future Proof, I sat down beachside with Eden Ovadia, Co-Founder and CEO of FINNY—the AI-powered marketing platform helping advisors solve one of the biggest challenges in wealth management: organic growth.For years, the industry has relied on market returns and acquisitions to drive scale. But when the market slows, most firms discover they don't actually have a growth engine—they have a valuation problem.Eden saw that gap and built FINNY to fix it. In less than a year, she launched the company, joined Y Combinator, raised $6.5 million, and created a 15-person team that's helping advisors identify ideal prospects, automate personalized outreach, and attract new clients at scale.Eden also shares how her decision to live in her office became a powerful expression of belief in what she's building. That unwavering faith in the mission inspired her team to buy in completely—creating a culture grounded in trust, shared conviction, and the certainty that they're building something extraordinary together.3 of the biggest insights from Eden Ovadia…1.) The Industry's Organic Growth Problem Is Getting Too Big to IgnoreAdvisors have been riding market returns and acquisitions for years—but when the market dips, most firms realize their “growth” isn't really growth. Eden breaks down why the industry's obsession with M&A has masked a massive organic growth crisis—and how advisors who solve it are commanding double the valuations of their peers.2.) AI Is Revolutionizing Prospecting for AdvisorsEden's company, FINNY, gives advisors access to over 300 million data profiles and turns that data into personalized marketing automation—helping them find and convert ideal clients faster than ever before. From identifying business owners researching “exit planning” to filling dinner seminars with precision, FINNY shows what's possible when prospecting meets AI.3.) Great Leaders Build Belief Before They Build TeamsEden scaled FINNY from 0 to 15 employees in a year—but her real advantage wasn't speed, it was conviction. From living in her office to creating a culture that feels like family, she proves that people don't just join startups—they join founders who believe deeply in their vision. Her playbook for culture, hiring, and customer obsession applies to any advisor building a business that lasts.SHOW NOTEShttps://bradleyjohnson.com/141FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: 30 minute 1:1 coaching call with BradAre you a financial advisor who feels stuck, needs help, or simply wants to have a conversation with Brad? Text “Coaching” to 785-800-3235 to apply for a 30 minute Zoom coaching session and we'll send you a link to Apply. That will also make you a DBDL Insider with VIP access to future resources and exclusive content. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP11254897301See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this special Beekeeping Today Podcast Short, Jeff and Dr. Jim Tew, from Honey Bee Obscura podcast, take listeners on a reflective visit to the A.I. Root family gravesite in Medina, Ohio — the resting place of Amos Ives Root, the man whose name and innovations helped shape modern beekeeping. Standing among the generations of the Root family, Jeff and Jim discuss the far-reaching influence of A.I. Root, from his first fascination with a swarm on the Medina town square to his pioneering work in beekeeping equipment, candle making, and publishing Gleanings in Bee Culture. Jim reflects on the significance of visiting this site after nearly five decades in beekeeping, while Jeff recounts his early trips to the Root factory seconds store and the fine craftsmanship of Root's woodenware. Together, they explore how the Root legacy continues to touch every corner of American beekeeping. It's a quiet, meaningful walk through history — and a tribute to a man whose curiosity and craftsmanship helped inspire a global beekeeping community. Links and references mentioned in this episode: Honey Bee Obscura - https://honeybeeobscura.com   Brought to you by Betterbee – your partners in better beekeeping. ______________ Betterbee is the presenting sponsor of Beekeeping Today Podcast. Betterbee's mission is to support every beekeeper with excellent customer service, continued education and quality equipment. From their colorful and informative catalog to their support of beekeeper educational activities, including this podcast series, Betterbee truly is Beekeepers Serving Beekeepers. See for yourself at www.betterbee.com ** As an Amazon Associate, we may earn a commission from qualifying purchases Copyright © 2025 by Growing Planet Media, LLC

Have you ever thought, "there's got to be an easier way to do this?" That's exactly how Lisa Lane's million-dollar idea for Rinseroo was born. And unlike some entrepreneurs who spend years planning, she created a prototype, did her research, and started building a brand. In this episode, Lisa shares the e-commerce strategy that helped them hit $1M in sales year one, how Rinseroo uses social media to stand out among big-name competitors, and the unique challenges that come with growing a top-selling product. Topics discussed: Introduction (00:00) The moment that sparked the idea for Rinseroo (02:04) How Lisa turned her idea into a product (04:55) Winning Lori Greiner's golden ticket on Shark Tank (07:38) Achieving $1M in sales in their first year (10:26) Rinseroo's e-commerce and social media strategy (12:27) How they deal with copycats and counterfeit products (16:17) Expanding the Rinseroo product line (20:31) The impact of tariffs and how they're adapting (22:55) Finding joy in entrepreneurship (24:54) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ 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 Lisa Lane: Instagram: https://instagram.com/OfficialRinseroo/ Facebook: https://www.facebook.com/rinse.roo/ TikTok: https://tiktok.com/@Rinseroo LinkedIn: https://www.linkedin.com/in/lanelisa/ Website: ​​https://rinseroo.com/ About Our Guest: Lisa Lane is the inventor of the Rinseroo brand and President of Lane Innovations,  a woman-owned company that transforms everyday problems into innovative, patented solutions. With 6 patents to her name, Lisa has broken through barriers in the male-dominated world of inventing and e-commerce. Her flagship product, the Rinseroo slip-on shower hose, won the Golden Ticket on Shark Tank this year.  She started it all with no background in manufacturing,  just an idea that came to her in the shower.   Lisa is passionate about inspiring other entrepreneurs—especially women—to dream big, take risks, and turn ideas into reality. 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. This episode was produced by Podcast Boutique https://www.podcastboutique.com

Our heroes awake to a new day after infiltrating a spider cult below the Clockwork City. Now, they have to figure out their next steps.This episode was named by our Patron member Hal and voted on by all of our patrons. They also get the outtakes at the end of episodes.We would love for you to become a Patron of our podcast You can join us on our Patreon Page.Cast:Brook Bullock - Dungeon Master (Twitter)Kyri Hester - Moxie, Tiefling Bard (Instagram)Connor Shenold - Sable, Half-elf RogueJohnnie Payne - August E. Greymoor, Human Fighter (Instagram)Michael Cross - Dr. Elias Stone, Human Cleric (Twitter)Special Thanks:Theme Music - Ovani SoundSound Effects and additional music courtesy of Jeffrey McBride (Facebook) Table Top Audio, dScryb.com , and Monument Studios Red Dirt DnD Music and sound effects management sponsored by Soundly.Dice for the cast of Red Dirt DnD provided by Esty Way Gaming.You can find Red Dirt DnD on Facebook and on our website: RedDirtDND.comThere's also new content on our YouTube pages, just search for Red Dirt DnD.We would love for you to become a Patron of our podcast, you can join us on our Patreon Page.Red Dirt DnD is a Red Dirt RPG, LLC production.

The CPG Guys are joined in this episode by Austin Leonard, VP/GM of the Dollar General Media network. His background in advertising and audience building is tailor made for the scale of the retailer and the reach it has nationally.Find Austin on Linkedin at: https://www.linkedin.com/in/austinleonard/Find Dolla General Media Network on Linkedin at: https://www.linkedin.com/company/dg-media-network/Find DGMN online at: https://www.dgmedianetwork.com/Here's what we asked Austin :Why don't we start with a good overview of DG + DGMN - tell us about the DG customer, the DGMN audience propositionLet's talk the digital side of the business, how is the footprint growing, and who are DG partners - how does DGMN fit into this?You're here at groceryshop with us, what are you hoping to accomplish at this conference? What would be great takeaways?So where does DGMN sit at DG - how do you work with Integrated marketing and how does it connect to your CMO?What does a best in class partnership with DGMN look like? What advice do you have for brands looking to improve their relationship with DG customers?Measurement = we've discussed this enough times over the years, can you please share what metrics and ROI reporting brands and advertisers can expect when working with DGMN?I'm sure you've been thinking about instore media : give us the full scoop of what advertisers can expect from DGMN and how does it tie back to the merchant?What's next for DGMN heading into 2026? Tech, audience growth, you partnerships, etc.CPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comSheCCOMMERCE Website: https://shecommercepodcast.com/Rhea Raj's Website: http://rhearaj.comLara Raj in Katseye: https://www.katseye.world/DISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent.CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

Lisa Schlosberg is the founder of Out of the Cave, LLC, where she combines her comprehensive expertise as a licensed social worker, integrative nutrition health coach, certified personal trainer, and registered yoga teacher to guide emotional eaters toward physical, mental, emotional, and spiritual health and healing. Maintaining a 150-pound weight loss for more than a decade by healing her relationship with food (through emotional healing, somatic experiencing, mindset shifts, and more), Lisa discovered that her lifelong struggles with "morbid obesity" and "disordered eating" were symptoms of unprocessed trauma and emotional stress. This realization fueled her passion for helping others navigate similar challenges with a heart-centered, trauma-informed approach. Her strengths-based philosophy is rooted in the belief that using food to cope is a valid method of managing stress, and it is possible to heal from the inside out. Driven to make her work accessible to all, Lisa hosts the Out of the Cave podcast, where she shares powerful client stories and expert insights to inspire global transformation. In this episode, we cover: - why you might be using food as a coping skill - why your relationship to food might be influenced by trauma - how to begin coming back into your body - how to create a life you don't need to escape ... and more! You can connect with her over on Instagram: @lisa.schlosberg Or check out her website: outofthecave.health Or her podcast, Facebook, or YouTube, all linked here as well. You can learn more about me by following on IG @imperfectlypaigewellness or by checking out my blog, freebies, and offers on my website: https://imperfectlypaigewellness.com Please share with #PaigeTalksWellness to help get the word out about the show - and join the Imperfect Health Fam over on Facebook.

Have you ever felt like you're constantly putting out fires at work instead of making progress? Kevin welcomes Don Kieffer and Nelson Repenning to discuss why so many workplace processes feel frustrating and ineffective, and what leaders can do about it. Drawing on decades of experience in operations and organizational design, Don and Nelson reveal why quick-fix workarounds backfire, how firefighting becomes the default mode of operation, and the hidden costs of constantly reacting instead of leading. They introduce the concept of dynamic work design and explain why breaking down silos isn't just nice to have, it's essential. Along the way, they share practical tools leaders can use to move from chaos to sustainable success. Listen For 00:00 Introduction and the problem with roadblocks at work 03:33 How they met and started collaborating 06:07 The Harley-Davidson connection 08:32 The big idea behind the book 09:41 Why organizations assume the world is predictable 11:03 What dynamic work design means 12:21 The hidden cost of firefighting and workarounds 13:01 The firefighting trap explained 15:33 How firefighting becomes self-reinforcing 17:36 Why the dynamic appears in every organization 19:12 Leadership behaviors that unintentionally worsen it 21:12 Moving beyond blame to system thinking 21:56 The problem with silos in organizations 23:43 How work actually flows across silos 25:12 Visualizing knowledge work to expose inefficiency 26:04 Silos and identity in organizations 27:22 Why we must focus on system productivity 28:36 The matrix problem in modern organizations 29:12 Five elements of dynamic work design 29:48 Problem formation as an underrated leadership skill 30:24 Why framing the problem matters 31:23 Using conscious thinking to solve the right problems 32:36 Asking "what problem are we trying to solve" 33:20 What leaders can learn from this habit 33:48 Don and Nelson's hobbies outside of work 34:38 What they are reading now 35:35 Where to find their book and connect 37:19 Wrap up and invitation to subscribe Their Story: Nelson P. Repenning and Donald C. Kieffer are the authors of There's Got to Be a Better Way: How to Deliver Results and Get Rid of the Stuff That Gets in the Way of Real Work. Nelson is the School of Management Distinguished Professor at the MIT Sloan School of Management. He is currently the director of MIT's Leadership Center and was recently recognized by Poets & Quants as one of the world's top executive MBA instructors. His scholarly work has appeared in Management Science, Organization Science, Administrative Science Quarterly, the Academy of Management Review, Strategic Management Journal, and Research in Organizational Behavior. Donald C. Kieffer is a Senior Lecturer in Operations Management at MIT Sloan. He is a career operations executive and co-creator of Dynamic Work Design. Kieffer started running equipment in factories at age 17. He was VP of operational excellence at Harley-Davidson, where he worked for 15 years. Since 2007, he has been advising leaders in a variety of industries around the globe. His guidance was instrumental in transforming both the production and technical development areas of the Broad Institute, a Cambridge-based genomic sequencing organization, now an industry leader. He is the founder of ShiftGear Work Design, LLC, and teaches Operations Management at AVT in Copenhagen. This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.  Book Recommendations There's Got to Be a Better Way: How to Deliver Results and Get Rid of the Stuff That Gets in the Way of Real Work by Nelson P. Repenning and Donald C. Kieffer  The Mindful Body: Thinking Our Way to Chronic Health by Ellen J. Langer  Murder Mysteries by Lousie Penny Like this? Competing in the New World of Work with Keith Ferrazzi How to Achieve Breakthrough Execution and Accelerate Growth with Patrick Thean Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes    Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group   Podcast Better! Sign up with Libsyn and get up to 2 months free! Use promo code: RLP  

Success in entrepreneurship isn't luck—it's discipline, mindset, and connection. In this episode, Julia, Emerick, and Bo come together for a deep dive into their essentials for  entrepreneurial success—and actionable tips to help you find and develop them for yourself.We explore how to identify our purpose and passion as the “fuel” that drives lasting success, then translate it into a clear mission and vision that others can follow. We dive into resilience—why setbacks and failure are essential to growth—and the mindset shift required to see lessons where others see loss. Bo shares the power of purpose and contribution, Julia reframes emotional regulation as a business skill, and Emerick reminds us that “relationships take you places money can't.”From building legacy and generational wealth to surrounding ourselves with the right people, this conversation is a roadmap for leading, learning, and lasting in business.Resources:Learn more at The Color of MoneyRead Start With Why by Simon SinekRead Emotional Intelligence 2.0 by Travis Bradberry and Jean GreavesFollow Bo Menkiti on InstagramFollow Emerick Peace on InstagramFollow Julia Lashay on InstagramConnect with Daniel Dixon on LinkedInBecome a real estate agent HEREConnect with Our HostsEmerick Peace:Instagram: @theemerickpeaceFacebook: facebook.com/emerickpeaceDaniel Dixon:Instagram: @dixonsolditFacebook: facebook.com/realdanieldixonLinkedIn: linkedin.com/in/dixonsolditYouTube: @dixongroupcompaniesJulia Lashay:Instagram: @iamjulialashayFacebook: facebook.com/growwithjuliaLinkedIn: linkedin.com/in/julialashay/YouTube: @JuliaLashayBo MenkitiInstagram: @bomenkitiFacebook: facebook.com/obiora.menkitiLinkedIn: linkedin.com/in/bomenkiti/Produced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not  Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

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The 2025 NFL trade deadline came with lots of expectations and went with a whimper. Even then, there are still some fantasy-relevant deals that are worth unpacking, and Chris Welsh is joined by Derek Brown to do just that. The duo focuses on the Jakobi Meyers trade to the Jaguars, Rashid Shaheed’s arrival in Seattle, and the Jets dealing away two major defensive contributors. Get insight into who wins, who loses, and who you should be picking up. Timestamps: (May be off due to ads) Intro - 0:00:00Jets trade Quinnen Williams to the Cowboys + Sauce Gardner to the Colts & receive AD Mitchell - 0:01:32Raiders trade Jakobi Meyers to the Jaguars - 0:03:54Rashid Shaheed traded to Seattle - 0:09:57DBro's top waiver wire Pickups - 0:12:32Traded deadline ends with a whimper - 0:13:28Breece Hall's outlook staying as a Jet - 0:14:08 Helpful Links:Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcastsSee omnystudio.com/listener for privacy information.

Join Joe Pisapia, Chris Welsh, and Scott Bogman LIVE on Twitch every Monday afternoon at 2:00 PM ET at twitch.tv/fantasypros. The guys discuss everything happening in the football world, both in fantasy and in reality, while having some fun along the way! Put your bad day behind you with a new episode of "Out of Bounds," where Chris Welsh and Scott Bogman share their top fantasy football Week 9 takeaways! Timestamps: (May be off due to ads) Intro - 0:00:00 Chat Q - Can I get anything for Jayden Daniels - 0:04:24 Chat Q - What do I do with my RBs, who should I keep who should I cut? - Tyrone Tracy, Kimani Vidal, Jordan Mason, Kenneth Walker III, and Kyle Monangai - 0:05:46 Chat Q - George Pickens or Davante Adams - 0:06:58 Brian Thomas Jr. - 0:07:36 Twitch Livestream Promo - 0:09:40 Chat Q - I'm going to drop Kayshon Boutte. Should I pick up Alec Pierce or Josh Downs for rest of season, or Colston Loveland for more TE depth? - 0:09:51 Chat Q - What's going to happen with Jakobi Meyers and Tony Pollard? - 0:11:54 Chat Q - Top 3 Survivor picks and why for this week? - 0:12:32 Twitch Schedule - 0:14:03 Bogman's Moment of the week: Colston Loveland breaking it for a TD - 0:17:00 Welsh's Moment of the week: Kareem Hunt sealing bigs wins! - 0:19:12 Bogman's Takeaway of the week: Brock Bowers and throwing to Jeanty might fix the Raiders offense. - 0:21:36 Welsh's Takeaway of the week: Kyle Monagai might be him. - 0:23:03 ESPN Fantasay Football Championship Ring Giveaway Promo - 0:27:42 Fact or Fiction - Audience Submissions - 0:29:30 Discord Promo - 0:40:03 311 Contest recap - 0:41:35 Welsh's 311 Picks: Justin Herbert vs PIT, Kyle Monangai vs NYG, Drake London vs IND - 0:43:51 Bogman's 311 Picks: Jared Goff @ WAS, James Cook @ MIA, Justin Jefferson vs BAL - 0:44:43 Chat Q - Xavier Worthy or Deebo Samuel? - 0:48:50 Betting Pros Free Month Premium Offer Promo - 0:49:50 Outro - 0:50:42 Helpful Links: Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Join Ryan Wormeli and Andrew Erickson for their Week 10 fantasy football trade advice with their top running backs to buy low or sell high! Timestamps: (May be off due to ads) Intro - 0:00:00 MNF Reactions - 0:01:43 Erickson's Trade Analysis - 0:11:22 RB to Buy: TreVeyon Henderson - 0:14:01 RB to Buy: Ashton Jeanty - 0:24:00 Hard Rock Bet Promo - 0:29:50 RB to Sell: D'Andre Swift - 0:31:07 RB to Sell: Breece Hall - 0:36:02 Audience Questions - 0:39:15 Trade away Trey Benson for Michael Pittman? - 0:39:47 Trade Rico Dowdle for George Kittle? - 0:40:43 Stick with two elite WRs or improve RB room? (Dowdle, Benson, Odunze for Smith-Njigba) - 0:41:09 Trade Breece Hall for Jaylen Waddle? - 0:43:01 Outro - 0:44:03 Helpful Links:Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcastsSee omnystudio.com/listener for privacy information.

MeidasTouch host Ben Meiselas reports on Republican Speaker MAGA Mike Johnson panicking during his morning press conference right before Election Day on Tuesday. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices

All Home Care Matters and our host, Lance A. Slatton were honored to welcome Pam Cusick as guest to the show.   About Pam Cusick, Senior Vice President at Rare Patient Voice:   Pam Cusick is an experienced research professional with more than 30 years of expertise in study design, implementation, and analysis. Her background in public health communications and research, coupled with her passion for patient advocacy, dovetail with Rare Patient Voice's mission and vision. She hopes to expand Rare Patient Voice's panels to include all patients and caregivers who want to share their opinions and impact their disease category.   Pam earned a BA in Psychology from Sweet Briar College, and a MA in Psychology from the New School for Social Research. She is Past-President of the Board of Directors and Scientific Advisory Council Lead for the Horses and Humans Research Foundation. In addition, Pam has recently been named a Laureate by the Insights Association! This recognition, given by peers across the industry, is a true lifetime honor—and she is "still taking it all in."   As Senior Vice President, Pam's focus is on the continued growth and success of RPV, with an eye on client services, business development, and oversight of patient outreach, panel management, and marketing.   About Rare Patient Voice:   Rare Patient Voice, LLC connects patients and family caregivers of rare and non-rare diseases with opportunities to share their opinions with companies and researchers by participating in all types of research studies. These include surveys and phone interviews, online bulletin boards, focus groups, clinical trials, and more.   While RPV began with a focus on rare diseases, we now welcome patients and family caregivers living with all medical conditions. We currently cover more than 1,500 rare and non-rare diseases and conditions. Over the years, we have paid patients and family caregivers over $15 million for participating in research.   We work with thousands of organizations, patient advocacy groups, and individuals to spread the word about RPV. Since launching in the United States in 2013, RPV has expanded across the globe. We now recruit patients and caregivers for research studies in the United States, United Kingdom, Canada, Germany, Italy, France, Spain, Australia, and New Zealand.    

Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn't match the average. In this episode, James shows why age-based savings benchmarks miss the mark and replaces them with a simple, four-step method that fits you.First, get clear on spending in retirement (inflation-adjusted, lifestyle-aware). Then credit guaranteed income, like Social Security, pensions, annuities, part-time work, help to size the real gap. Applying a conservative withdrawal rate to turn that gap into a target portfolio, and back-solve to today with reasonable returns and annual contributions can help you find security. No fluff. Just a plan you can update every year.Real-life cases make it concrete: an early retiree whose “confident” multiple falls short, two teachers whose pensions shrink the target, and a late-career saver who unlocks home equity to close the gap.What you'll learn:Why age-based benchmarks exist—and where they can misleadHow timing (early retirement vs. later) changes the numberThe role of Social Security and pensions in lowering your targetWhen home equity or windfalls can bridge shortfallsThe four-step method: expenses → income → gap → portfolio mathUsing a withdrawal rate (e.g., 4%) to set a clear targetHow to back-solve to today's balance and savings planStress-testing returns, inflation, and timing choicesIf generic multiples leave you anxious or overconfident, this conversation trades guesswork for clarity. Translate goals into numbers, see which levers actually move the needle, and build a plan that funds a life you enjoy.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Star Wars Visions is back with 9 new animated short films that once again expand the galaxy far far away and this week we're talking about them all! We loved this third installment of Visions shorts and we are getting loopy with a Nanny Jedi with a robot arm, a droid bear and discussing why “Black” is one of the best things that's come out in the last ten years. So battle the Grand Master, celebrate the love and listen today! JOIN THE BLAST POINTS ARMY and SUPPORT BLAST POINTS ON PATREON! NEW ANDOR SEASON 2 EPISODE COMMENTARIES! COMMENTARIES FOR EVERY SKELETON CREW EPISODE! NEW EMPIRE STRIKES BACK COMMENTARY! Theme Music! downloadable tunes from episodes! Extra goodies! and so much MORE! www.patreon.com/blastpoints Blast Points T-SHIRTS are now available! Represent your favorite podcast everywhere you go! Get logo shirts while supplies last! Perfect for conventions, dates, formal events and more! Get them here: www.etsy.com/shop/Gibnerd?section_id=21195481 If you dug the show, please leave BLAST POINTS a review on iTunes, Spotify and share the show with friends! If you leave an iTunes review, we will read it on a future episode! Honestly! Talk to Blast Points on twitter at @blast_points "Like" Blast Points on Facebook Join the Blast Points Super Star Wars Chill Group here www.facebook.com/groups/BlastPointsGroup/ we are also on Instagram! Wow! www.instagram.com/blastpoints Your hosts are Jason Gibner & Gabe Bott! contact BLAST POINTS at : contact@blastpointspodcast.com May the Force be with you, always! This podcast is not affiliated in any way with Lucasfilm Ltd. LLC, The Walt Disney Company, or any of their affiliates or subsidiaries.

Join Seth Woolcock and Scott Bogman for their 2025 College Football Week 11 early picks and line movement predictions! Timestamps: (May be off due to ads) Intro - 0:00:00 Pristine Auction Giveaway - 0:02:48 Week 10 Recap - 0:03:43 Tulane Green Wave vs. Memphis Tigers - 0:11:27 Northwestern Wildcats vs. USC Trojans - 0:15:06 Hard Rock Bet - 0:18:03 Indiana Hoosiers vs. Penn State Nittany Lions - 0:19:39 Georgia Bulldogs vs. Mississippi State Bulldogs - 0:23:50 BYU Cougars vs. Texas Tech Red Raiders - 0:27:31 BettingPros Premium - 0:30:29 Oregon Ducks vs. Iowa Hawkeyes - 0:31:07 Texas A&M Aggies vs. Missouri Tigers - 0:34:41 Auburn Tigers vs. Vanderbilt Commodores - 0:38:00 Navy vs. Notre Dame Fighting Irish - 0:41:52 LSU Tigers vs. Alabama Crimson Tide - 0:45:34 Helpful Links:Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See omnystudio.com/listener for privacy information.

Join Matt Perrault and Pat Fitzmaurice as they highlight their favorite Week 10 bets, make survivor pool picks, and discuss betting strategies that are going to help keep you profitable all season long! Timestamps: (May be off due to ads) Intro - 0:00:00 Week 9 Recap - 0:00:28 Colts -5.5 vs Falcons - 0:03:01 Raiders +9.5 vs Broncos - 0:04:46 Giants vs Bears Over 48.5 - 0:08:08 Bucs -2.5 vs Patriots - 0:11:20 Lions -8.5 vs Commanders - 0:16:11 49ers +3.5 vs LA Rams - 0:18:31 Hard Rock Bet - 0:23:12 Survivor Pool Picks - 0:24:41 BettingPros - 0:29:43 Lock it in now - 0:30:20 Betting Pros Premium - 0:32:33 Helpful Links:Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See omnystudio.com/listener for privacy information.

The Passive Pockets Pulse Check returns with Chris Lopez, Jim Pfeifer, and Paul Shannon. They break down what they bought and what they skipped, how they are reallocating between equity and debt, and the checks they run before wiring capital. Jim shares two new allocations in healthcare and coffee after negotiating a lower minimum for the community and explains invoking the Shirky rule to avoid doubling up with a new operator too quickly. Paul outlines a simple Indiana cash flow deal, a 22-unit JV turnaround, and an LP win with a partial disposition. Chris walks through a shift toward debt funds, a strong payout month, and a cautionary development story that highlights why transparency, lender diligence, and sponsor communication matter. The trio then uses the PassivePockets Deal Analyzer to spot red flags and assess IRR partitioning before deconstructing a friends and family hotel conversion with fee bloat, phantom equity, and misaligned waterfalls so you know when to pass fast. Key Takeaways Use investing clubs to test new managers or asset classes and always ask about minimums Rebalance deliberately toward a mix of equity and debt while accounting for ordinary income taxes on debt yields outside retirement accounts Multifamily is stabilizing in select markets, but underwrite with longer debt terms, larger reserves, and realistic rent and occupancy assumptions Watch for fee-heavy structures, annual-only distributions, deferred development fees counted as equity, and dual waterfalls that dilute LP returns The Deal Analyzer surfaces out-of-range assumptions and IRR partitioning shows how much return comes from operations versus exit Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

Eating biblically in midlife is vastly different than the worlds approach to food. What we eat either fuels us or steals from us. If you want to eat in a way that brings you more energy and a sharper mind then you need to settle in, sister.  With us starting the first week in Nov. 2025, it's a good time to take stock of our mindset around foods that are stealing from us instead of fueling us.  We are entering holiday season here in the US and it can be a time where women tell themselves they are gonna enjoy all of the holiday celebrating they want and start caring for themselves again Jan 1st… (come on, you've been there too.) OR they DECIDE to stay the course of what they've already been trying to do in their health journey and they don't allow distractions in. The women who start working with me BEFORE the holidays do amazing THROUGH the holidays. They feel more confidence in their food choices and they feel better in their skin. They have more energy, better sleep, less belly fat.  I pray you leave the episode feeling more confident in being your own best advocate for your health. Decide today to shift your thinking about the foods you are eating so that you can have more energy and a sharper mind... just in time for the busy holiday season!   XO, Michelle Get rid of your stress induced fatigue, brain fog and belly fat in 12 weeks without dieting, deprivation and disappointment! So that you can wake feeling refreshed, have a clear mind for your day and have the energy to be fully present with your family in the evening. Book your  Fatigue Freedom Breakthrough Call today!   Online Supplement Dispensary Info: https://us.fullscript.com/welcome/michelle-mccoywellness ***Join our community, Fight FATIGUE over 40 with FAITH & Holistic Health, to be supported, encouraged and educated as you take back your health WITH God at the center. **Catch the Treasured Wellness Podcast on https://christianmix106.com/   AND YouTube   ***DISCLAIMER: By listening to this podcast, you agree not to use this podcast as medical advice to treat any medical condition in either yourself or others. Contact your own physician for any medical concerns you have. This entire disclaimer also applies to any guests or contributors to the podcast. Under no circumstances shall Treasured Wellness, LLC, guests or contributors be responsible for damages arising from the use of this podcast.

How long does it really take to feel the benefits of strength training? In this first episode of a two-part series, Amy Hudson and Dr. James Fisher explore the benefits of strength training. They break the question into two parts: the immediate changes you'll feel right away and the longer-term adaptations that build strength, focus, and resilience over time. Expect to walk away with a deeper understanding of how strength training transforms not just your body, but your energy, mindset, and everyday performance. Dr. Fisher starts by explaining the instant and long-term rewards of strength training. The moment you start lifting, your body begins responding with powerful benefits like sharper focus and a better mood. And over time, those sessions compound into stronger muscles, better energy, and a more resilient body. Amy and Dr. Fisher break down one of the body's hidden superpowers: myokines. These small proteins get released during strength training and travel throughout your body, supporting your brain, organs, and overall well-being.  Dr. Fisher highlights how a single strength session can lift your mood and sharpen your mind. Research shows that after finishing a workout, most people feel clearer, calmer, and more alert. It's one of the simplest ways to reset mentally after a stressful day. According to Dr. Fisher, strength training before something big, like an interview or exam, can actually improve memory and focus. Instead of skipping your workout to read, he suggests doing it to help your brain work better under pressure. You walk in feeling grounded, confident, and ready to perform. Amy points out how many people struggle with brain fog and mental fatigue. But just twenty minutes of strength training can bring clarity, focus, and a sense of energy that lasts all day. Dr. Fisher shares how high-effort strength training helps reduce pain perception. It means your body literally becomes more tolerant of discomfort, both physically and mentally. Over time, you don't just get stronger, you feel more capable of handling life's challenges. Dr. Fisher talks about how strength training increases energy expenditure for up to 48 hours afterward and how your body keeps burning calories long after you've left the gym.  He adds that this benefit doesn't happen with regular cardio. Sure, a run burns calories in the moment, but strength training keeps the fire going for two more days.  Dr. Fisher explains that strength training also boosts muscle protein synthesis. That means your body starts repairing and building new muscle tissue long after the workout ends.  By engaging in strength training, you're not just maintaining what you have — you're actively creating a stronger, healthier version of yourself. Dr. Fisher reminds us why consistency matters so much. Every workout is an opportunity for your body to respond, adapt, and grow stronger. Skipping sessions means missing out on the positive signals your body needs to keep performing at its best. Amy encourages you to think twice the next time you feel tempted to skip the gym. That small 20-minute session could be exactly what turns your day around.  Dr. Fisher notes that these benefits don't take months to show up. The body responds immediately, even after a single workout. So if you're waiting to "feel ready," the best time is actually right now. Dr. Fisher shares that working with a strength coach can help you gain the most out of your strength training sessions.  Sometimes it's not about pushing harder, but learning how to train smarter, with the right form, effort, and recovery. Having a personal trainer in your corner keeps you accountable and helps you discover just how strong you really are. Amy says that a personal trainer helps you show up on the days you wouldn't do it alone. And those are the days your body needs it most, when stress is high, energy is low, and your brain could use that endorphin lift. Amy and Dr. Fisher cover how strength training builds confidence. You begin noticing small wins — lifting more, moving better, feeling capable. That quiet confidence often spills over into how you show up at work, home, and in relationships. How to look at exercise differently: strength training teaches discipline, resilience, and patience — qualities that serve far beyond the gym. Every session is a reminder of what your body can do. Amy closes by reminding us that strength training is one of the few things in life that gives immediate returns. For example, you walk in tired and walk out more alive.     Mentioned in This Episode: The Exercise Coach - Get 2 Free Sessions! Submit your questions at StrengthChangesEverything.com     This podcast and blog are provided to you for entertainment and informational purposes only. By accessing either, you agree that neither constitute medical advice nor should they be substituted for professional medical advice or care. Use of this podcast or blog to treat any medical condition is strictly prohibited. Consult your physician for any medical condition you may be having. In no event will any podcast or blog hosts, guests, or contributors, Exercise Coach USA, LLC, Gymbot LLC, any subsidiaries or affiliates of same, or any of their respective directors, officers, employees, or agents, be responsible for any injury, loss, or damage to you or others due to any podcast or blog content.

The automotive industry has come a long way from three-piece suits and mechanical production lines. Twenty-five years ago, manufacturers weren't thinking about EVs, tool changers, or the complexity we see today. Those who weathered 2008 will tell you: when the next downturn comes, it won't be your sales pitch that saves you, it'll be whether you were a true partner to your customers.This episode was recorded Oktoberfest-style at RAM Solutions, featuring eight industry leaders discussing what's transforming automotive manufacturing. Mitch Yencha and Scott Hunter share timeless lessons from surviving 2008, while Tanner Boyko and Jim Marlowe highlight the insane amount of innovation happening right now, from the safest cars in history to new EV players entering the space.Paul Otto and Andy Johnson reveal how AI is finally unlocking value from terabytes of welding data generated daily, while John Macdonald and Markus Weckbach from STÄUBLI explain why you need proactive planning with Plans B and C ready. They also cover why technologies like AMRs, AGVs, and gigacasting have finally crossed the adoption threshold.In this episode, find out:How team culture and customer empathy helped manufacturers survive 2008Why automotive has been having the supply chain conversation since Henry Ford's assembly line daysHow AI is analyzing terabytes of welding data daily to optimize qualityWhy cobots, camera programming, and automated forklifts are creating new job opportunitiesWhat gigacasting is and how it's eliminating spot welding by casting car bodies in 3-5 componentsWhy trade roles like maintenance and electricians are seeing a resurgenceThe proactive vs. reactive approach needed when running hundreds of jobs per hourHow RAM Solutions trains hands-on with STÄUBLI equipment to fully support customersEnjoying the show? Please leave us a review here. Even one sentence helps. It's feedback from Manufacturing All-Stars like you that keeps us going!Tweetable Quotes:“You have unbelievable technology coming into the automotive industry. It might be perceived as stagnant but that's just not true. There's a wide range of opportunities for anybody with any type of background to participate in this space.” – Scott Hunter“We talk about AI, but you still have to know the basics and know how to work with your hands. You need to know how to weld or operate a robot. You need to know the core foundation principles before you can take the next step.” – Paul Otto“We've always had a ton of automative data but the next step has been how to get it into a format so data scientists can use it and draw conclusions from it. Now the number crunchers can use AI tools to drive decision making on the manufacturing's floor.” – Andy JohnsonLinks & mentions:RAM Solutions, LLC, providing specialized automation solutions and 24/7 technical support across North America, with expertise in robotic tool changers, collision sensors, pneumatic systems, and overhead lifting equipment.STÄUBLI, a global mechatronic solution provider delivering robotics, electrical connectors, fluid connectors, and textile solutions across nearly every industry with long-term support in 28 countries.G.E Schmidt, a global leader in resistance welding solutions providing complete spot, seam, and projection welding systems with proprietary technologies for automotive and industrial manufacturers across the U.S., U.K., and...

Invest In My 94 Unit Apt Complex: https://masterpassiveincome.com/coveJoin me in Nashville! https://incomebuildinglive.comJoin my FREE 5-Day Challenge and get what you need to start investing; https://masterpassiveincome.com/challengeGet your LLC for FREE here: https://masterpassiveincome.com/llcGet actionable coaching to give you success https://masterpassiveincome.com/coachingCheck out https://rewbcon.com and get 20% off with MPI20Check out all the other MPI Podcast Network Shows: https://masterpassiveincome.com/network//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for only $29! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexLearn more about Zach and Dustin and find resources to build an automatic real estate investing business: https://masterpassiveincome.com/NOTE: This description may contains affiliate links to products we enjoy using ourselves. Should you choose to use these links, this channel may earn affiliate commissions at no additional cost to you. We appreciate your support!

Each week, the CPG Guys will riff on the hottest topics in the world of omnichannel commerce. This week, Sri recaps his visit to Amazon Accelerate.CPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comRhea Raj's Website: http://rhearaj.comLara Raj in Katseye: https://www.katseye.world/DISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent.CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

Election Day is here, and it's going to be one for the books. From key races across the country to that pivotal NYC mayoral showdown, the stakes couldn't be higher. Are we about to witness a blue wave, or will MAGA hold the line? Polls are favoring Democrats, but we all know how unpredictable this can get. Join Don and our panel as we break down the latest data, the moods at the polls, and the big questions: Will voters show up? What could flip? And how will the results reshape what comes next? It's democracy in action, chaotic, crucial, and not to be missed.

On the latest Substack LIVE with Charlie Sykes, we discussed:— Today's elections in New York City, New Jersey, and Virginia— The Tucker Carlson/Nick Fuentes/Heritage Foundation blowup, and why everyone seems so shocked SHOCKED! that there is gambling in Casablanca.— The wild optics of Donald Trump's ballroom construction and “Great Gatsby” party taking place during a government shutdown. — Donald Trump's plummeting approval ratings, and why the economy is likely to get worse. Trump says he has ‘no idea who' Binance's CZ is after pardoning him— Dick Cheney's legacy — And MUCH more!Support "Matt Lewis & The News" at Patreon: https://www.patreon.com/mattlewisFollow Matt Lewis & Cut Through the Noise:Facebook: https://www.facebook.com/MattLewisDCTwitter: https://twitter.com/mattklewisInstagram: https://www.instagram.com/mattklewis/YouTube: https://www.youtube.com/channel/UCVhSMpjOzydlnxm5TDcYn0A– Who is Matt Lewis? –Matt K. Lewis is a political commentator and the author of Filthy Rich Politicians.Buy Matt's book: https://www.amazon.com/Filthy-Rich-Politicians-Creatures-Ruling-Class/dp/1546004416Copyright © 2025, BBL & BWL, LLC

This week on the KORE Women podcast, Dr. Summer Watson welcomes Tanya MFK, who is a business strategist, founder of Modern Business Mastery, and who is flipping the script on what success really looks like. After years of chasing traditional milestones, Tanya realized true success isn't about more hustle, it's about alignment, freedom, and owning your time, values, and vision. In this episode, Tanya MFK shares how ambitious solopreneurs can stop following someone else's blueprint and start designing a business that supports their life, not the one they're told to want. If you're ready for clarity, structure, and a business that feels like you, this one's for you. You can follow Tanya MFK on LinkedIn and Instagram, at: TanyaMFK.com and ModernBusinessMastery.com and you can also get a free Goals to Gameplan Guide at:  ModernBusinessMastery.com  Tanya MFK – Personal Site & Coaching www.TanyaMFK.com Modern Business Mastery – Membership & Method www.ModernBusinessMastery.com Free Guide – Goals to Gameplan modernbusinessmastery.com/goals-to-gameplan Discover Your Success Archetype modernbusinessmastery.com/successarchetype Instagram @tanyamfk LinkedIn linkedin.com/in/tanyamfk Thank you for taking the time to listen to the KORE Women podcast and being a part of the KORE Women experience. You can listen to The KORE Women podcast on your favorite podcast directory - Pandora, iHeartRadio, Apple Podcast, Google Podcast, YouTube, Spotify, Stitcher, Podbean, JioSaavn, Amazon and at: www.KOREWomen.com/podcast.  Please leave your comments and reviews about the podcast and check out KORE Women on Instagram, Twitter, and Facebook.  You can also learn more about Dr. Summer Watson, MHS, PhD, KORE Women, LLC, the KORE Women podcast, KORE Business Solutions and Cross-Generational Consultation Services by going to: www.korewomen.com. Thank you for listening! Please share this podcast with your family and friends. #KOREWomenPodcast #LeadershipDevelopment #BusinessTips #EntrepreneurTips #WorkplaceCulture #RetentionStrategies  

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Juan: Love for family.Artisan Tropic, a family-owned snack company, began as a mission to heal. My guest on today's episode, Juan Pablo Guzman, shared how his sister's health struggles inspired the family to reconnect with real food, creating snacks that nourish both people and the planet.“Our whole family went on this collective journey of reconnecting to real food,” Juan explained, adding, “We became passionate about using food as a way to heal ourselves, our communities, and our planet.” Artisan Tropic launched in 2014 with plantain and cassava chips and recently expanded to include grain-free crackers made from cassava and plantain flour.But Artisan Tropic is about more than just snacks. Juan's commitment to sustainability and regenerative agriculture sets the company apart. He described their efforts to work directly with small farmers in Colombia, implementing farming practices that prioritize soil health, biodiversity, and fair wages. “Regenerative agriculture is really just doing things the way our grandparents did them,” he said. “It's farming in a way that supports life on the farm—soil life, plant life, and biodiversity.”In 2021, Artisan Tropic piloted a regenerative farming project on a family farm, integrating crops like plantain, cacao, and coffee. Now, through a partnership with Acceso, Artisan Tropic is scaling this model, supporting over 4,000 farmers with technical training, small loans, and guaranteed crop markets. “Within two years of working with Acceso, farmers are making twice as much as they used to,” Juan noted.Artisan Tropic is currently raising capital through a regulated investment crowdfunding campaign on WeFunder. The funds will help the company expand its retail presence with partners like Whole Foods and Costco. “What better way to put your money to work,” Juan asked, “not just for a financial return, but also for the triple impact that your investment unlocks in our supply system?”Listening to Juan's story, it's hard not to feel inspired. Artisan Tropic is more than a brand—it's a movement toward healthier snacks, sustainable farming, and a better future.tl;dr:Artisan Tropic began as a family mission to heal through real food and better nutrition.The company uses regenerative agriculture, supporting small farmers and sustainable farming practices in Colombia.Artisan Tropic's snacks, including plantain chips and grain-free crackers, prioritize health and sustainability.Juan Guzman's family values and love drive the company's mission and commitment to future generations.Artisan Tropic is crowdfunding on WeFunder to scale operations and expand its triple-impact model.How to Develop Love for Family As a SuperpowerJuan Guzman's superpower is his deep love for family, which drives his personal and professional life. As Juan explained, “My love for my family is my superpower. I try to be present. I try to love and I try to listen.” This unwavering commitment to family has shaped Artisan Tropic's mission, inspired its founding, and continues to influence how Juan leads the company. His dedication to creating a better food system stems from a desire to leave a legacy for his children and future generations.Illustrative Story:Juan shared a touching story about how his family's bond deepened over time. While living in New Mexico, he and his sister dreamed of being closer as a family. When Juan moved to Dallas, his sister, her family, and their parents followed, creating a close-knit community where their children could grow up together. “There's nothing that makes me happier than seeing the cousins playing together,” he said. This family cohesion inspires Juan to build a company that reflects their shared values of love, health, and sustainability.Tips for Developing This Superpower:Prioritize Presence: Be fully engaged with your loved ones by putting away distractions like phones.Foster Connection: Create opportunities to spend meaningful time with family, even across distances.Lead with Love: Let your love for family guide your decisions, personally and professionally.Think Generationally: Consider how your actions today can impact future generations.By following Juan's example and advice, you can make love for family a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Buy now!Guest ProfileJuan Pablo Guzman (he/him):CEO / Co-Founder, Artisan TropicAbout Artisan Tropic: At Artisan Tropic, we're a family-owned business dedicated to making nourishing foods that taste great and do good. Inspired by our family's Colombian heritage, we craft all of our products with high-quality, better-for-you ingredients and planet-friendly practices.Website: artisantropic.comCompany Facebook Page: facebook.com/ArtisantropicInstagram Handle: @artisantropic Other URL: wefunder.com/artisantropicBiographical Information: Prior to founding and working with Artisan Tropic, I played professional football for 12 years, and it was a real joy, a gift and blessing to be able to do that for so long as a job and career. Football gave me in memories, friendships, and experiences what I could never have learned and acquired anywhere else, and for that I'm forever thankful!LinkedIn Profile: linkedin.com/in/juanpguzmanSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, and Crowdfunding Made Simple. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Superpowers for Good Live Pitch applications due by November 17. Apply to pitch at the Superpowers for Good live event on December 11, 2025. This is your chance to spark campaign momentum and present to expert investors who frequently invest in our winners. Applicants must have an active Regulation Crowdfunding offering live when applying that will still be live on the event date. Apply by November 17, 2025.SuperCrowdHour, November 19, 2025, at 12:00 PM Eastern — Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on “Investing with a Self-Directed IRA.” In this session, Devin will explain how investors can use self-directed IRAs to participate in regulated investment crowdfunding while managing taxes and optimizing returns. He'll break down when this strategy makes sense, how to choose the right custodian, and what fees, rules, and risks to watch for. With his trademark clarity and real-world experience, Devin will help you understand how to balance simplicity with smart tax planning—so you can invest confidently, align your portfolio with your values, and make your money work harder for both impact and income.SuperGreen Live, January 22–24, 2026, livestreaming globally. Organized by Green2Gold and The Super Crowd, Inc., this three-day event will spotlight the intersection of impact crowdfunding, sustainable innovation, and climate solutions. Featuring expert-led panels, interactive workshops, and live pitch sessions, SuperGreen Live brings together entrepreneurs, investors, policymakers, and activists to explore how capital and climate action can work hand in hand. With global livestreaming, VIP networking opportunities, and exclusive content, this event will empower participants to turn bold ideas into real impact. Don't miss your chance to join tens of thousands of changemakers at the largest virtual sustainability event of the year.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

In this episode, Mardi Winder has a really interesting chat with Amanda Steadman, who's spent more than two decades helping women find confidence and independence after divorce. Amanda brings both her personal story and her professional expertise, talking about how early experiences with family loss shaped her outlook and set her on a path to unravel the connection between our minds and bodies.She shares honest reflections about navigating a tough breakup herself, after realizing her relationship wasn't truly making her happy, even if it looked good from the outside. Through a mix of hypnotherapy, NLP, and energy work, Amanda Steadman helps women work through old patterns, like feeling unworthy or stuck, so they can move forward and start fresh. A major takeaway from the conversation is how common it is for women to worry about being “enough” after their relationships end, and the importance of letting go of childhood beliefs that might be holding them back.Amanda and Mardi touch on how important it is to take a breather after a breakup, figure out what you really want, and stop repeating the same patterns. Amanda encourages listeners to embrace their true selves and reminds everyone that you're only one thought away from stepping into a new, more confident version of yourself. For those looking for a little extra inspiration, she's also offering her “Awaken the Goddess Within” meditation for free, which is just a bit of added support to help you on your journey, no matter where you are in the process!About the Guest:Uncertain, and stuck. Amanda Steadman helps divorced women reclaim their confidence, rebuild their lives, and create financial independence. With over 26 years of expertise in hypnotherapy, NLP, and energy work, she guides clients from heartbreak and self-doubt to clarity, empowerment, and abundance. Amanda's **MindGenie Method** accelerates emotional healing and personal growth, helping you release past pain, attract new opportunities, and step into your next chapter with confidence. As an Amazon No.1 bestselling author of *Connect to Authentic Success: 7 Steps to the Destiny You Deserve*, she shares powerful strategies to rediscover your worth, realign with your dreams, and create a fulfilling life—on your terms. Through private sessions, mentoring, and speaking engagements, Amanda provides the mindset and tools to help you thrive after divorce. Ready to start fresh and build the life you deserve? Time for your goddess power to kick in!To get Amanda's gift: https://scale.amandasteadman.com/love-home-pageTo connect with Amanda:Web https://www.amandasteadman.com/ LinkedIn https://www.linkedin.com/in/amandasteadman/ YTube https://www.youtube.com/@MindGenieHypnotherapy Facebook https://www.facebook.com/amanda.steadman1/Instagram https://www.instagram.com/amandasteadman1/About the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode...

Shake off the Sunday scaries! Join Seth Woolcock and Scott Bogman for their Week 9 fantasy football reactions, injury updates and early Week 10 waiver wire advice! Who are the best available options for managers needing a replacement for Green Bay Packers TE Tucker Kraft? Are Chicago Bears TE Colston Loveland and RB Kyle Monangai entering must-start territory following explosive performances? Plus, is Cincinnati Bengals QB Joe Flacco now a set-it-and-forget-it option at the signal-caller position? The Pros put on a brave face following another up-and-down weekend! Timestamps (May be off due to ads): Intro - 0:00:00Injury Updates - 0:01:46Tucker Kraft (TE - GB) - 0:01:53C.J. Stroud (QB - HOU) - 0:04:32Aaron Jones (RB - MIN) - 0:06:13Tee Higgins (WR - CIN) - 0:07:39Kayshon Boutte (WR - NE) - 0:09:27Puka Nacua (WR - LAR) - 0:11:21Matthew Golden (WR - GB) - 0:12:22Travis Hunter (WR - JAX) & Brian Thomas Jr. (WR - JAX) - 0:13:20Autographed A.J. Brown Philadelphia Eagles Jersey Giveaway Winner - 0:15:07Autographed Justin Jefferson Minnesota Vikings Jersey Giveaway - 0:15:33Top Storylines - 0:16:16Colston Loveland (TE - CHI) & Kyle Monangai (RB - CHI) - 0:16:20Joe Flacco (QB - CIN) - 0:19:11J.J. McCarthy (QB - MIN) - 0:21:44Rico Dowdle - 0:23:51Indianapolis Colts - 0:27:08Hard Rock Bet - 0:28:45Panic Meter - 0:30:21FantasyPros Discord - 0:38:00Listener Questions - 0:38:33Outro - 0:42:40 Helpful Links: Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Join Ryan Wormeli and Jake Ciely for their top fantasy football waiver wire pickups ahead of NFL Week 10! Timestamps: (May be off due to ads) Intro - 0:00:00 Kyle Monangai - 0:01:15 Parker Washington - 0:03:37 Colston Loveland and Luke Musgrave - 0:05:22 Christian Watson - 0:08:11 Rashid Shaheed - 0:10:25 FantasyPros Waiver Central - 0:11:54 Bonus Names - 0:12:17 Outro - 0:14:28 Helpful Links: Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Join Ryan Wormeli, Pat Fitzmaurice, and Derek Brown as they highlight the smartest adds you can make off the waiver wire ahead of Week 10 of the NFL season! Worm, Pat, and D-Bro highlight the top running back and wide receiver adds, make FAAB bid recommendations, debate some potential drops, and highlight the top streaming targets for Week 10! Timestamps: (May be off due to ads) Intro - 0:00:00 Trophy Smack Giveaway - 0:03:35 Waiver Wire Add of the Week: Parker Washington - 0:04:54 Top RB Adds - 0:09:17 Tank Bigsby, Isaiah Davis, Devin Singletary, and Kenneth Gainwell - 0:09:58 Potential RB Drops - 0:19:07 Hard Rock Bet - 0:23:20 Top WR Adds - 0:24:37 Alec Pierce - 0:24:43 Troy Franklin - 0:26:41 Christian Watson - 0:28:06 Tory Horton - 0:31:58 Top Streamers - 0:36:20 FantasyPros Waiver Central - 0:41:38 Top Overall Waiver Wire Adds - 0:41:58 Outro - 0:42:52 Helpful Links: Hard Rock Bet - All lines provided by Hard Rock Bet. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

MeidasTouch host Ben Meiselas reports on Donald Trump's past continuing to surface as he can't even control himself at Mar-A-Lago as he reminds people of what he and Epstein did together at that ghoulish and haunted location. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Rahul Sharma, Portfolio Manager at Schafer Cullen Capital Management to discuss: China, the falling dollar, why emerging markets are outperforming and the firm's dividend-focused strategy. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Schafer Cullen Capital Management Disclosures: Past performance is no guarantee of future results. Investing in the stock market involves gains and losses and may not be suitable for all investors. Investors have the opportunity for losses as well as profits. Market conditions can vary widely over time. Investing in equity securities is speculative and involves risk. Investing in foreign securities involves greater volatility and political, economic and currency risks and differences in accounting methods. Cullen Capital Management, LLC. (CCM) is an independent investment advisor registered under the Investment Advisers Act of 1940 and is doing business as Schafer Cullen Capital Management, Inc. (SCCM). The Cullen Funds Trust (CFT), SCCM and CCM are affiliates. This information should not be used as the primary basis for any investment decision, nor should it be considered as advice to meet your particular investment needs.  All opinions expressed constitute Cullen Capital Management's judgment as of the date of this report and are subject to change without notice. Learn more about your ad choices. Visit megaphone.fm/adchoices

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach 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: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education,   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018   Keith Weinhold  1:51   Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to   Keith Weinhold  2:01   Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around.    Keith Weinhold  4:45   And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom.    Keith Weinhold  6:22   Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner.   Keith Weinhold  6:49   5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015   Keith Weinhold  8:09   But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue   Keith Weinhold  10:41   the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14%   Keith Weinhold  11:17   next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting.    Keith Weinhold  12:13   Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29%   Keith Weinhold  12:43   and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29%   Keith Weinhold  13:09   the numbers don't lie. They just don't get enough attention on CNBC.   Keith Weinhold  13:16   Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here.    Keith Weinhold  14:16   Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something.    Keith Weinhold  15:33   All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic.    Keith Weinhold  16:06   A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon.    Keith Weinhold  17:44   Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in.    Keith Weinhold  18:21   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:32   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 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 Ridgelendinggroup.Com, that's Ridge lending group.com   Kathy Fettke  20:05   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  20:14   I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show.    Adam Schroeder  20:48   Thanks for having me on. I really appreciate it.    Keith Weinhold  20:50   Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape?   Adam Schroeder  21:30    Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market.    Keith Weinhold  23:55   It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs?    Adam Schroeder  24:55   We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC.   Keith Weinhold  26:17   Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type.    Adam Schroeder  26:30   A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can.    Keith Weinhold  28:53   There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties.    Adam Schroeder  29:20   Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there.    Keith Weinhold  30:20   Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of.    Adam Schroeder  31:09   Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life.    Keith Weinhold  32:16   Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam.   Adam Schroeder  33:29    one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050    Keith Weinhold  34:55   everyone's asking, when is it going to pass? California is the most populous state in the nation.    Adam Schroeder  35:01   Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are.    Keith Weinhold  36:46   100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive.    Adam Schroeder  37:18   Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again   Keith Weinhold  37:42   right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam   Adam Schroeder  38:51   yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it.    Keith Weinhold  39:41   This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week.   Keith Weinhold  40:00   Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there   Keith Weinhold  41:42   if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  43:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  43:45   The preceding program was brought to you by your home for wealth building, getricheducation.com

Episode SummaryI chat with Ted Ryce about how we can optimize our health with only a few select hours each week..Show Notes Pagejeffsanders.com/601.Go Premium!Exclusive bonus episodes, 100% ad-free, full back catalog, and more!Free 7-Day Trial of 5 AM Miracle Premium.Perks from Our SponsorsSee current deals from sponsors of The 5 AM Miracle.Learn More About The 5 AM MiracleThe 5 AM Miracle Podcast.Free Productivity Resources + Email Updates!Join The 5 AM Club!.The 5 AM Miracle BookAudiobook, Paperback, and Kindle.Connect on Social MediaLinkedIn • Facebook Group • Instagram.About Jeff SandersRead Jeff's Bio.Questions?Contact Jeff.© 5 AM Miracle Media, LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Most headlines shout that you need millions to retire comfortably. The truth? It depends on you. Ari breaks down what “enough” really means, and how to design a plan that fits your lifestyle, health, and peace of mind, not someone else's spreadsheet.In this episode, you'll hear real-life stories that prove one size doesn't fit all. A saver with $3 million who can't enjoy travel because of sciatica. A Chevron retiree with $487K, a paid-off home, and a $2,800 monthly budget living his version of freedom. Same markets, totally different outcomes—and both work.Listen as Ari shares a simple framework to turn your lifestyle into a retirement number: calculate your after-tax monthly spend, annualize it, and match it to a conservative withdrawal rate. You'll see why $35K a month might require $8M, but $3K can work beautifully with smart investing and tax strategy.You'll also learn how to avoid the silent killers of a good plan: sequence risk, poorly timed withdrawals, and outdated estate documents. Plus, how to time Roth conversions, structure income for flexibility, and protect your health and wealth over decades.If you've ever asked, “Should I retire now with less or wait for more?” this episode gives you the clarity to choose confidence over comparison.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

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This week, Becky Masterman and guest co-host Dr. Meghan Milbrath of Michigan State University welcome Melanie Kirby, queen breeder, educator, and pollinator specialist at the Institute of American Indian Arts in Santa Fe, New Mexico. Melanie shares her incredible beekeeping journey — from learning in the jungles of Paraguay as a Peace Corps volunteer, to queen rearing in Hawaii's Kona Queen and Hawaiian Queen Apiaries, to managing migratory operations across the U.S., and now mentoring new beekeepers through her 20-year-old operation, Zia Queenbees. She discusses the creation of the Adaptive Bee Breeders Alliance (adaptivebeebreedersalliance.org), a national network of researchers and queen breeders working to strengthen honey bee genetics through collaborative breeding, genomics, and germplasm conservation. The conversation touches on her Fulbright-National Geographic research, her role supporting Indigenous agricultural education at IAIA, and how art, science, and community intersect in pollinator stewardship. Melanie also offers insights into current projects on wild bee populations in New Mexico, new approaches to field research, and her ongoing efforts to translate between practical beekeeping and academic research. Her story is one of curiosity, collaboration, and a lifelong love of learning from the bees — and the people who care for them. Websites from the episode and others we recommend: Adaptive Bee Breeders Alliance: https://adaptivebeepreedersalliance.org Zia Queen Bees Farm & Field Institute: https://ziaqueenbees.com BTP Episode on Map My DCA Episode with Julia Mahood:  https://www.beekeepingtodaypodcast.com/drones-and-mapping-drone-congregation-areas-with-julia-mahood-s5-e42/ Honey Bee Obscura Podcast: https://honeybeeobscura.com Project Apis m. (PAm): https://www.projectapism.org Honey Bee Health Coalition: https://honeybeehealthcoalition.org The National Honey Board: https://honey.com Honey Bee Obscura Podcast: https://honeybeeobscura.com   Copyright © 2025 by Growing Planet Media, LLC     ______________ Betterbee is the presenting sponsor of Beekeeping Today Podcast. Betterbee's mission is to support every beekeeper with excellent customer service, continued education and quality equipment. From their colorful and informative catalog to their support of beekeeper educational activities, including this podcast series, Betterbee truly is Beekeepers Serving Beekeepers. See for yourself at www.betterbee.com This episode is brought to you by Global Patties! Global offers a variety of standard and custom patties. Visit them today at http://globalpatties.com and let them know you appreciate them sponsoring this episode!  Thanks to Bee Smart Designs as a sponsor of this podcast! Bee Smart Designs is the creator of innovative, modular and interchangeable hive systems made in the USA using recycled and American sourced materials. Bee Smart Designs - Simply better beekeeping for the modern beekeeper. HiveIQ is revolutionizing the way beekeepers manage their colonies with innovative, insulated hive systems designed for maximum colony health and efficiency. Their hives maintain stable temperatures year-round, reduce stress on the bees, and are built to last using durable, lightweight materials. Whether you're managing two hives or two hundred, HiveIQ's smart design helps your bees thrive while saving you time and effort. Learn more at HiveIQ.com. Thanks to Strong Microbials for their support of Beekeeping Today Podcast. Find out more about their line of probiotics in our Season 3, Episode 12 episode and from their website: https://www.strongmicrobials.com Thanks for Northern Bee Books for their support. Northern Bee Books is the publisher of bee books available worldwide from their website or from Amazon and bookstores everywhere. They are also the publishers of The Beekeepers Quarterly and Natural Bee Husbandry. _______________ We hope you enjoy this podcast and welcome your questions and comments in the show notes of this episode or: questions@beekeepingtodaypodcast.com Thank you for listening!  Podcast music: Be Strong by Young Presidents; Epilogue by Musicalman; Faraday by BeGun; Walking in Paris by Studio Le Bus; A Fresh New Start by Pete Morse; Wedding Day by Boomer; Christmas Avenue by Immersive Music; Red Jack Blues by Daniel Hart; Original guitar background instrumental by Jeff Ott. Beekeeping Today Podcast is an audio production of Growing Planet Media, LLC ** As an Amazon Associate, we may earn a commission from qualifying purchases Copyright © 2025 by Growing Planet Media, LLC

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz shares their strategies to help you build wealth after receiving a raise in your job. ---

Watch the full episode on our YouTube channel: youtube.com/@mreapodcastWe're sitting down with researcher and industry truth-teller, Mike DelPrete, to cut through the noise on tech, AI, and what clients really want from us. Mike's work has appeared in The New York Times, The Wall Street Journal, the Financial Times, and The Economist. He teaches, studies the business, and backs every take with data.We dig into the psychology behind home sales and why our industry is harder to “disrupt” than startups think. Mike shares fresh findings from secret-shopper research: Half of online and in-person leads never get a follow-up. We connect that to the three client traits that win listings and loyalty: 1. Be patient, 2. Be knowledgeable, and 3. Be transparent.We also explore AI in two simple buckets. Bucket one includes an operating-expense buster that helps us work faster and cleaner. Bucket two shows a shift in how people search. Then we get tactical by explaining how reviews are trust signals, why a tight niche can help you, and when a cadence of communication that matches each client's expectations builds value.If you're ready to trade opinions for proof, this episode gives you a clear playbook to act on today.Resources:Mike DelPrete's research hub: MikeDP.comListen: Context podcast by Mike DelPreteRead $100M Offers by Alex HormoziOrder the Millionaire Real Estate Agent Playbook | Volume 3Connect with Jason:LinkedinProduced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not  Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.WARNING! You must comply with the TCPA and any other federal, state or local laws, including for B2B calls and texts. Never call or text a number on any Do Not Call list, and do not use an autodialer or artificial voice or prerecorded messages without proper consent. Contact your attorney to ensure your compliance.

Send us a textHalo!In todays lesson we will learn to make sentences about getting to know you. Uncle Mike starts it off, as we get to know him a little bit more. We use some words we know and others we didn't. Follow along with Tony D as we get to know a little more about Uncle Mike!In the Super Slatko Report, we learn about one of Splits biggest back drops, Mosor Mountain.See you there!Bog.LLC_TeamVisit our website: https://www.letslearncroatian.com/We have a YouTube channel: https://youtube.com/c/LetsLearnCroatianLLC Merch Store: https://www.letslearncroatian.com/llc-storeKeep the content flowing, donate to the LLC: https://www.letslearncroatian.com/llc-supporters-pageBuy the LLC a Cup of Coffee: https://www.buymeacoffee.com/infoKX Collaborate with LLC: https://www.letslearncroatian.com/become-a-sponsorDo you FaceBook, we do: https://www.facebook.com/llcpod/?__tn__=-UC*FWe even do Instagram: https://www.instagram.com/llcpod/?hl=enTeeDee's Soapshttps://www.teedeessoaps.comHello LLC Prieteljie!We launched a Buy Me a Coffee supporters page. Here's your opportunity to become an LLC Members. Lots of incentives, including: an LLC Members Only Magnet, automatic entrance to any LLC Member Only raffles & prizes and access to the LLC Members Only page on our website, where we upload new content monthly.Click on the link below.https://www.buymeacoffee.com/infoKXHvala, Bog!Support the show

Good morning Lemon Nation! Today, we're taking a look at Donald Trump's latest 60 Minutes interview with Norah O'Donnell which went exactly how you'd expect. Trump made outlandish claims, and CBS failed to check him on it. As always, Trump's media meltdown was a masterclass in chaos. Then, we'll dive into Trump's latest show of excess, the lavish Gatsby-style Halloween party he attended while millions of Americans are struggling to afford food and pay bills amid the ongoing government shutdown. Because nothing says “man of the people” like champagne fountains during a crisis. This morning, Don breaks down the interview, the hypocrisy, and the spectacle, because Trump might be living in a fantasy, but the rest of America is living in a nightmare. This episode is sponsored by ZBiotics. Go to https://zbiotics.com/LEMON and use LEMON at checkout for 15% off first time orders. This episode is brought to you by BetterHelp. Give online therapy a try at https://betterhelp.com/donlemon and get on your way to being your best self. This episode is sponsored by Fatty15. Get an additional 15% off their 90-day subscription Starter Kit by going to https://fatty15.com/LEMON and using code LEMON at checkout. This episode is brought to you by Lean. If you want to lose meaningful weight at a healthy pace and keep it off... Add LEAN to your diet and exercise lifestyle. Get 20% OFF WHEN YOU ENTER LEMON at https://TAKELEAN.com For free and unbiased Medicare help, dial 212-931-0855 to speak with my trusted partner, Chapter, or go to https://askchapter.org/don DISCLAIMER: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors. Learn more about your ad choices. Visit megaphone.fm/adchoices

Texas-born & raised, Dr. Amy Mathews-Perez has recently retired from 34 years of working in public education where she served as a General Ed. Teacher, SLP, Diagnostician, SPED Supervisor, Principal, Assistant Principal and a Director of Special Education. While her journey of public-school service has come to an end, she now puts energy, effort & focus on continued service to organizations, schools, families and through her LLC, M.E.S.A. Her passion is turning conflict into collaboration through communication, relevant learning, and authenticity. She is happiest when she gets to implement these things to inspire & empower others. "Life is short but our influence is never ending, so let's seek joy and create smiles through connecting, sharing, and highlighting the best in others.”   ______________________________________________________________________ The Edupreneur: Your Blueprint To Jumpstart And Scale Your Education BusinessYou've spent years in the classroom, leading PD, designing curriculum, and transforming how students learn. Now, it's time to leverage that experience and build something for yourself. The Edupreneur isn't just another book; it's the playbook for educators who want to take their knowledge beyond the school walls and into a thriving business.I wrote this book because I've been where you are. I know what it's like to have the skills, the passion, and the drive but not know where to start. I break it all down: the mindset shifts, the business models, the pricing strategies, and the branding moves that will help you position yourself as a leader in this space.Inside, you'll learn how to:✅ Turn your expertise into income streams, without feeling like a sellout✅ Build a personal brand that commands respect (and top dollar)✅ Market your work in a way that feels natural and impactful✅ Navigate the business side of edupreneurship, from pricing to partnershipsWhether you want to consult, create courses, write books, or launch a podcast, this book will help you get there. Stop waiting for permission. Start building your own table.Grab your copy today and take control of your future.Buy it from EduMatch Publishing https://edumatch-publishing.myshopify.com/collections/new-releases/products/the-edupreneur-by-dr-will

In the latest episode of Facts vs Feelings, Ryan Detrick, Chief Market Strategist, and Sonu Varghese, VP, Global Macro Strategist, hosted a special Halloween livestream featuring Joe Fahmy, Managing Director at Zor Capital, and Warren Pies, Co-Founder and Strategist at 3Fourteen Research. Together they explore what's driving markets at the end of 2025—from AI-led growth and investor sentiment to fiscal spending, oil, and the broader economic outlook. The result is an entertaining and insightful look at how two veteran strategists interpret this bull market and what it could mean heading into 2026 and beyond.Key TakeawaysJoe Fahmy Segment:Broad-Based Bull Market: Joe sees strength well beyond the “Magnificent 7,” with AI, quantum computing, and clean energy creating multiple growth engines.Adaptability Over Bias: He stresses that successful investors aren't perma-bulls or perma-bears. They adapt as the data changes.Technical Discipline: Joe relies on the 50-day moving average to define market health. Above it, stay constructive; below it, get defensive.Cautious Sentiment: He notes that many investors remain nervous, which helps sustain the market's “wall of worry” and supports further upside.AI as the Next Revolution: He predicts the current bull market could extend into 2027 as AI transforms productivity similar to past technological breakthroughs.Warren Pies Segment:Debasement: Warren frames today's cycle as a shift from deflation fears to worries about fiscal expansion, debt, and currency dilution.Equities as Inflation Hedges: He highlights that S&P 500 earnings have outpaced inflation nearly every year since 2009, proving stocks' resilience.Energy Outlook: Warren maintains a bearish view on oil, citing signs of oversupply and weakening global demand.Equity and Yield Outlook: He expects modest but positive stock gains through 2026 as yields drift lower and fiscal support remains steady.Economic View: Warren describes the U.S. economy as being in a “muddle-through slowdown,” with government spending and the wealth effect offsetting recession risks.Joe and Warren are not affiliated with CWM, LLC. Opinions expressed by these individuals may not be representative of CWM, LLC.Connect with Ryan:• LinkedIn: Ryan Detrick• X: @ryandetrickConnect with Sonu:• LinkedIn: Sonu Varghese• X: @sonusvargheseConnect with Joe Fahmy:• X: @jfahmyConnect with Warren Pies:• LinkedIn: Warren Pies• X: @WarrenPies Questions about the show? We'd love to hear from you! factsvsfeelings@carsongroup.com Hashtags#FactsVsFeelings #CarsonGroup #Markets #Investing #BullMarket #AI #Economy #Inflation #StockMarket #MarketOutlook

Let me ask you a question.  What's a goal of yours that you think is impossible?  Maybe it's doubling your income without doubling your stress.  Maybe it's finally creating work-life balance that actually lasts.  Maybe it's something deeply personal like getting in shape, writing a book, starting a business, or stepping into leadership in a way that feels authentic instead of exhausting.  We all have that one goal that feels just out of reach.  The one we secretly want, but don't admit out loud because we're afraid of failing, or worse, we're afraid of disappointing ourselves again.  That's what I want to talk about today.  How to achieve more than you think is possible.  How to achieve your impossible goal, even when your brain is telling you that it's not possible.  Let's dive in… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community I'm inviting you to sign up for the free private podcast where I do a deeper dive into this topic on the Mastering Your Mindset Moments podcast for high-stress professionals: https://www.financialadventure.com/private Schedule your Complimentary Stress Audit and Clarity Session, where we'll work together to create a clear and focused plan for you to move forward so you'll immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

Trump Makes a Confession BLACK 40 METAL WORX https://back40metalworx.etsy.com/?coupon=BRIAN https://www.etsy.com/shop/maksonrugs/?etsrc=sdt#about Alvitania https://a.co/d/bczzLUE https://www.iwilldrive4u.com The Art of Confusion https://www.amazon.com/dp/B0FST7LNM4?ref_=cm_sw_r_ffobk_cp_ud_dp_9SN1BD182GJ5XQW4EE1B https://saudidialect.com Fair Value Calculator Koko & Kiyah and Beautiful Butterfly https://a.co/d/8AX8JVE Declaring the Dawn in the Midst of the Night https://a.co/d/9ONgIFB https://www.ilonaofficial.com Inspirational Soccer Stories https://a.co/d/78gHBBK Grampy https://a.co/d/aru6XHd Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Irene Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.