Podcasts about Lower

1. Elizabeth Peek analyzes Kevin Warsh's nomination for Federal Reserve Chairman. The primary tension involves balancing Trump's demand for lower interest rates with Warsh's reputation as an inflation hawk. Warsh aims to reform Fed communications and reduce market noise while protecting the economy from rising inflation. 11642 HOUSE OF LORDS

New research shows more than a third of workers and retirees don't think they will have enough money for their retirement years — that's the highest proportion since 2017. Lower savings rates, higher bills, and concerns over Social Security all constitute a perfect recipe for lower confidence. Also on this morning's program: a preview of Tesla's quarterly earnings and a look at why home prices are falling in Texas.

New research shows more than a third of workers and retirees don't think they will have enough money for their retirement years — that's the highest proportion since 2017. Lower savings rates, higher bills, and concerns over Social Security all constitute a perfect recipe for lower confidence. Also on this morning's program: a preview of Tesla's quarterly earnings and a look at why home prices are falling in Texas.

In today's market, cash flow matters more than ever. With home prices flattening and rent growth slowing, real estate investors need to focus on what they can control—expenses. In this episode of The Real Wealth Show, Kathy Fettke sits down with Sam Thrash from Ownwell to break down how investors can lower two of their biggest costs: property taxes and insurance. Most investors assume property taxes are fixed—but they're not. In fact, many properties are over-assessed, and appealing your tax bill could save you hundreds or even thousands per year. Sam explains how the process works, why over 90% of property owners take no action, and how firms like Ownwell handle everything from filing appeals to negotiating with assessors. If you're a real estate investor looking to increase cash flow without raising rents, this is a strategy you can't afford to ignore.

In this Workday Playdate, Erin brings together innovation experts Rich Braden and Tessa Forshaw to challenge everything you thought you knew about creativity at work. This episode proves that innovation is not reserved for a select few, but something everyone can access through mindset, play, and small, intentional actions.If you've ever thought “I'm not the creative type,” this conversation will expand your definition of innovation and give you practical ways to bring more curiosity, experimentation, and whole-brained thinking into your day.About the Guests:Rich Braden is an innovation strategist, educator, and global speaker who helps organizations unlock creativity through human-centered design, play, and experimentation. With experience spanning corporate, startup, and academic environments, Rich is known for making innovation accessible, actionable, and energizing.Tessa Forshaw is a creativity and innovation expert, educator, and consultant focused on helping individuals and teams activate their innate creative capacity. Her work blends research, facilitation, and playful practice to challenge limiting beliefs and build cultures where innovation thrives.Inside This Episode:Innovation Isn't Exclusive: Why the biggest barrier to creativity is the myth that only certain people (or roles) are “allowed” to innovate.Whole-Brained Thinking Wins: How blending analytical rigor with creative exploration leads to better problem-solving, smarter decisions, and more innovative outcomes.The Play Advantage: Why improvisation, curiosity, and experimentation aren't “nice to have”—they're essential tools for unlocking new ideas and embracing failure.Mindset > Talent: How small, intentional mindset shifts can reignite creativity and help you move from “right vs. wrong” to “what's possible?”Diverge, Then Converge: The airplane metaphor for brainstorming that helps you generate bold ideas and actually land them.Innovation in Action: Practical ways leaders can lower the bar, model experimentation, and create cultures where risk-taking is rewarded (not punished).Small Moves, Big Impact: Why innovation isn't about big breakthroughs—it's about consistent, everyday experimentation.What to Do Now:Try “Yes, And” Today: In your next meeting, build on someone's idea before critiquing it. Watch how quickly energy and creativity shift.Run a 10-Minute Diverge/Converge Sprint: Set a timer. Generate as many ideas as possible (no judgment), then switch modes and narrow to your top 1–2 actions.Lower the Bar for Innovation: Pick one small experiment you can run this week.Model the Behavior You Want: As a leader (or future leader), openly share a risk you took or a failure you learned from to create psychological safety for others.Your FreebieYou already have strengths that make you a powerful leader. But chances are, one of them is doing more heavy lifting than you realize.Enter your free resource: The Human Leadership Edge Quiz. In just 10 quick questions, you'll discover the leadership strength that sets you apart in the age of AI and how to use it more intentionally with your team.Take the Human Leadership Edge Quiz here.And thank you to our sponsors Intuit Quickbooks Payroll. To learn more visit: https://quickbooks.intuit.com/workforce/Connect with Rich Braden and Tessa ForshawRich's LinkedInTessa's LinkedInRich and Tessa's book, innovation-ishConnect with Erin Diehl x improve it!Leadership Playground online membership communityErin's websiteErin's InstagramErin's TikTokErin's LinkedInimprove it!'s websiteimprove it!'s InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this throwback episode from 2022 (Season 4), Billy & Jenn reflect on some of the BEST advice they've ever received (and also the WORST!)

Most business owners treat filing their taxes like the finish line. It isn't. What actually lowers your tax bill is what you do before December, and that starts with knowing how to read the return you just filed.In this episode, Mike walks through a six-step process for reviewing your 2025 tax return the right way. You will learn what numbers actually matter on your 1040, how to tell if the strategies you implemented actually worked, where most business owners leave money on the table without realizing it, and how to build a real tax plan for 2026 before the year gets away from you.

1. Invocation of the Defense Production Act (DPA) Donald Trump is invoking the Defense Production Act to rapidly boost U.S. oil production. The DPA is an emergency, wartime-style authority historically used for national crises (World War II, COVID-19). Energy production is presented as a national security and economic emergency, not just an energy policy choice. 2. Purpose: Energy Independence and Cost Reduction The stated goal is to increase domestic oil supply quickly and at scale. Expected outcomes include: Lower gas and energy prices Reduced price volatility Increased economic stability for American households Rising fuel prices are illustrated through personal anecdotes to emphasize urgency. 3. Mechanisms Enabled by the DPA The Act is described as allowing the federal government to: Prioritize oil-related contracts Redirect resources (steel, labor, infrastructure) to energy production Bypass or accelerate regulatory and permitting delays Provide financial incentives or guarantees to producers This is putting U.S. energy production on a “wartime footing.” 4. Geopolitical and National Security Framing Increased oil production is framed as a way to: Reduce dependence on foreign producers (OPEC, Russia, Iran) Protect the U.S. from geopolitical energy shocks Strengthen America’s leverage on the global stage Energy dominance is portrayed as synonymous with global influence and negotiating power. 5. Broader Economic Impact Lower fuel costs are linked to: Reduced shipping and transportation costs Lower inflation Cheaper consumer goods (groceries, online purchases) The policy is benefiting not just drivers, but the entire economy. 6. Criticism and Environmental Concerns Critics are acknowledged, particularly those arguing: Environmental harm Market distortion from government intervention These criticisms are dismissed as secondary to national security and economic relief. 7. Political Accusations Against Democrats Democrats oppose lower gas prices for political reasons. High energy costs are being used intentionally to: Create economic pain before elections Push consumers toward electric vehicles 8. Media Critique and Allegations of Bias Journalists The White House Correspondents’ Dinner Dan Rather and over 200 reporters The media is: Coordinated Activist-driven rather than objective Losing public trust Journalism is having evolved into political advocacy rather than neutral reporting. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

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Plus: Apple shares fell after Tim Cook announced he will step down as CEO. And UnitedHealth shares rose after its earnings surpassed expectations. Katherine Sullivan hosts. Sign up for the WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith explains how to increase real estate cash flow by appealing and reducing property taxes.  Then welcomes high‑energy real estate investor and educator Thach Nguyen.  Thach shares his refugee‑to‑multimillionaire story, breaks down his roadmap to retiring with rentals, and explains how ADUs (Accessory Dwelling Units) are transforming both investor returns and affordable housing—especially in Seattle. Resources: Follow @ThachNguyen on Instagram and all major social platforms. Episode Page: GetRichEducation.com/602 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. 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— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, talking about how to increase your cash flow by obtaining a successful appeal and reduction in your property taxes. Then real estate personality Thatch Nguyen and I discuss mindset and some creative real estate techniques today on get rich education,   Keith Weinhold  0:23   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  0:57   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  1:13   Welcome to GRE from Mount Holly New Jersey to Hollywood, California and across 188 nations worldwide. I'm Keith Weinhold. This is get rich education, and I'm still not wearing Dockers, and I am in Hollywood, California today. More on that later. Among all the major investment classes when it's bought right real estate is the second safest investment class to bonds. Bonds are the safest among them all. Real estate has the highest returns, so it's the second safest and has the highest returns. And that's why it's our focus on this show. But if you want to be in real estate for two years or less, well, then it's likely best to invest elsewhere, at least with long term rentals, because you need time to defray your transaction cost. And for real estate pays five ways to start compounding. Coming up shortly, it's pretty popular real estate personality Thatch Nguyen. He will be here, and I did not know Thatch until recently, when we were introduced by our mutual friend Scott Saunders. And Scott, who I had on the show here a few years ago, is one of the nicest guys you'll ever meet in real estate. Well, besides those high return, low risk real estate attributes. Of course, when you own property directly, you also get a big measure of control if you want it. Now, control comes really with that option A lot of times to get involved and make your real estate investing less passive, just an option, because successful real estate can be as simple as buy and hold, but today we're discussing strategies. If you want to get a little hands on, if you so choose, you can attempt a successful appeal of the amount of property tax that you're paying. And of course, every dollar that you lower your property tax is $1 where you increase your income. And this feels like a germane conversation, since tax day in the USA was just last week. Ah, yes, property tax, hmm, it's like a version of the government charges you rent on your own property in perpetuity. That's what it is. And before I get into how to potentially get your property tax lowered, property taxes are under pressure. Some states are still making their serious push to completely eliminate the property tax, namely in Florida, Texas and Indiana. Those are three of the front running states, probably the big three. And I won't get into all of that again, because I devoted an episode segment to that topic a few months back. Others are considering elimination too, Georgia, North Dakota, Pennsylvania, Ohio, Oklahoma, South Dakota, but it's just more talk than anything in those six states. Now, if a state undertook property tax abolition, it would probably only apply to owner occupied property, homeowners or voters, and those property values would soar. But these new comparables, what they could do, in turn, is lift the value of your out of state rental property as well, because you could always sell your investment property to an owner occupant. But in my opinion, no state is going to eliminate the property tax. I mean, sheesh, it's kind of like trying to eliminate gravity. It's just too hard to replace the revenue from elsewhere. Schools, police and fire and infrastructure heavily rely on property tax, so instead, what's realistic is a tax cap, a ceiling on the amount of property tax that you pay, and with an income producing property of course, your tenant essentially pays the property tax for you now, even before buying a property or for one that you already own, the most accurate way you can check the tax amount for your exact address is on the county assessor's website.    Keith Weinhold  5:38   The next best places are listing websites like Zillow and Redfin. This is all public information. The way to find a county assessor's website for your property is with a simple four word search. What you should google is the county name, and then the words assessor property search, those are the only four words that you need. And then what if you discover that you're paying more than you are for nearby, similar properties? Oh, well, there we go. That's a sign that you're over paying. You can usually file an appeal form at the same website. And before we talk about how to do it, realize that only about 5% of property owners ever file an appeal, and in a bit, I'll tell you what your percent chance for success is at lowering your property tax, your chances of it being lowered. So if you believe that you have a case for lower property taxes, first, it helps to know what you're arguing. And this is important, it's something that can trip you up. You're actually not arguing that taxes are too high. You're arguing my property is overvalued compared to the market. That's it. That's your basis of contention. Yeah, if you walk in talking about things like fairness or inflation or government spending, then you've already lost the county assessor's office isn't the place for your best rant on how fiat currency is garbage or something like that. Now you might not even have to physically walk in anywhere today. Sometimes you can get your appeal rewarded informally. Other times you go before what's called a Board of Equalization in most places and in person, hearings have become less common. Video calls have become quite a bit more common since the pandemic, but you want to review your property details with them. You want to be sure to point out if there's incorrect square footage or the wrong lot size, or missing depreciation, or condition issues or upgrades that are overstated and even small errors can swing your value by 10s of 1000s of dollars and then, and it's whether this is with rental property or with your own home build your comparables Like an investor, not a homeowner, because this is really where you win or lose. You need three to five strong comparable sales in the same neighborhood, or really close ones that sold recently, ideally within the last six months, and they should be of a similar size and age and condition. And then make adjustments. Inferior comps support a lower value. And we don't just want to cherry pick garbage comps. We want to keep it credible, and then for your best chance of getting your property tax lowered, find your angle, and really this is your leverage point. Most winning appeals hinge on one clear argument, either a condition gap, meaning that your property is worse than the comps are, or it's an argument like market timing, and this is if values have softened since the assessment date, or the income approach for rentals. Therefore it's the value based on noi, not emotion. You could take that track or other external issues like noise or location drawbacks or obsolescence, so only pick one of those four primary arguments here, condition, gap, market timing, the income approach or external issues and document everything. This is really where you separate yourself. You want to show photos and have them dated and be clear and honest. Nothing dramatic there repair estimates or contractor bids, inspection reports, rent rolls or income statements. So you're not telling a story. You're presenting evidence this way, and be sure to package it cleanly. This matters more than you think. Assessors see sloppy appeals all day. So you're going to stand out by being organized and concise, like a one to two page summary and some exhibits, and keeping it professional meaning, no emotional language, so you're making it clean and easy for them to agree with you, and this is the place to be. Calm and not combative. It isn't a debate club. It's the right form to be respectful, stick to facts, not interrupt and not get defensive, because the person across from you, they actually did not set your rate, they didn't set your tax rate, they're evaluating your evidence, and then it's helpful for you to know the likely outcome. You don't need a gigantic win, even a five to 10% reduction, that can mean 1000s saved over your life of owning the property. You want to remember that some jurisdictions are more flexible than others, and if you're denied informally, like just doing it online, then you can often escalate your property a tax appeal to a board review. And this is a long game, not every swing is going to end up in a base hit. Investors have an advantage. If you own rentals, you've really got a stronger argument, because you can use that income based verification like cap rate and noi, you can show actual rent versus market rent, and you can highlight your expenses, and assessors often default to sales comps. So this is how you can shift the frame here. The blunt truth is that when people lose appeals, it's usually because they show up unprepared, or they argue emotionally, or they just don't understand valuation. And so this is one of those rare moments where being methodical is actually better than being smart. 40 to 60% of property tax appeals succeed nationwide, and with professional level prep, you can make that 70 to 80% for a success rate, and the typical result if you win is a 10 to 15% reduction in assessed value. So that can be worth doing. And you know, just like buying your first out of state rental property seems to be the hardest. Making your first property tax appeal seems to be the hardest as well. And there you go a way to reduce your expenses and increase your cash flow. Yes, I am in LA today, West Hollywood, California. Though I do expect to produce some real estate media here. That's not the typical Hollywood type filmmaking that I'm doing, I just happen to be staying in Hollywood, although I do plan to run up to the Hollywood sign and do some fun stuff out at Venice Beach. Later next week, I will be in Las Vegas, and will probably even bring you the show from the Bellagio with a view of the Bellagio fountain. As for this week, let's meet our guest.   Keith Weinhold  12:49   This week's guest has an amazingly powerful story. Today. He's quite well known in real estate circles for his high energy in person events, but he came to the United States as a Vietnamese refugee, experienced homelessness early in life, and went on to build a real estate portfolio valued at over $100 million I'm not making light of the fact that he's homeless. Once I started talking about this, he kind of, you know, beat his chest a little bit. He's a high energy, playful guy here, but he's completed more than 1000 real estate projects and transactions through his mentorship program, he's helped 1000s of people build long term Real Estate Wealth with his platform, it's called springboard to wealth, and along the way, he's built a strong audience, with 1.4 million followers on Instagram. Hey, welcome to the show Thatch Nguyen.   Thach Nguyen  13:41   I'm honored to be here, my man, I'm honored   Keith Weinhold  13:43   to hear, Oh, it's so good to do it Thatch. And before we're done, we'll discuss some actionable tactics. But first, that is just an amazing story to have started from homelessness. I guess I'm most interested to know what you would identify as kind of that turning point from destitution to success. Talk to us about that.   Thach Nguyen  14:03   You know, coming from Vietnam, we was a refugee. We left out of the last plane. My dad was a translator for the US Army. Back in the days, military pulled out of South Vietnam during the war, they asked my dad, would you want to leave with us? And so we decided to leave. But of course, my dad, the owner, who actually spoke some bit of English. None of us didn't speak no English. We only had $100 one suitcase for eight of us, gosh, and I was five years old. But if my dad didn't leave, he would have been captured, and then he would have been killed. Because you work for the US government, because it's still, you know, is a communist country, right? And so we left, we came over here, we landed in San Diego, lived in the shelter out there, and then we moved up to Washington State, Seattle, and lived in a shelter there for a few months. And then finally, we lived in a sponsorship house, right, with a guy named Charles Zettler. I graduated from high school in. 88 I went off to fix aviation airplane my two older brother, because they in the aviation business. And then I got a job working for Alaska. But I didn't want to leave to Denver to go work out there, so I decided to stay back. And I went to work at, you know, like, odd job, like at a body shop. I was the dairy manager at a grocery store, like, called Ralph. Was called Safeway, and I was parking car in Chinatown. And I think the pivoting point was, I'm sitting there, and one of my friends says, you know, you would do very well in real estate, yeah, because you have a good energy, you have a good mouthpiece, I think you do well, see, but I didn't hear all that. I heard you get 7% commission checks. Oh, Sign me up. You know what? I think, but I didn't realize quickly, selling real estate, you don't make that kind of money unless you do a lot of volume. I got to real estate. I started doing well in real estate as a agent. But the tipping point, I think, for me, was a mentor named Saul. And Saul said to me, Keith, I know you appreciate this. He said, You can be rich selling real estate for the rest of your life. Yeah, you'll never be wealthy unless you own the real estate, right? And that was the light bulb that came off of me that I need to take the money I make from selling real estate to then Park the money in long term rental. But I didn't quit my real estate. I just bought real estate, rented it, let it ride. And I just kept selling real estate for years. And at the moment I made, the more property I bought. The moment I make, the more property I bought. And then from there, I just start to learn new construction. I start to learn fix and flip. I start to learn about the BRRRR strategy. And then today, you know, we're going to talk more about this. But today, the hot thing is adu and accessory dwelling unit, and that's what I do a lot today is a lot of new construction, a lot of ADUs.   Keith Weinhold  16:49   Oh, that's great to hear about your come up. Fetch, yeah, I find it remarkable, too, the amount of people that are in the real estate industry, and they're doing something adjacent to being an investor, which I think is the best place to be. For example, they're a property manager, or they're a mortgage loan officer or the real estate agent, but yet they don't own rental real estate, right? They're so close. How could you not be doing this?   Thach Nguyen  17:13   And I say today, because I understand this. Now, if you don't take the active income you make from whatever you do, say, as a real estate agent, then you always trading your time for money for the rest of your life, and you're always on that treadmill and that grind, but you can't get off, because the moment you get off, Keith, you got no income, and you got no passive income either. So you're stuck on this wheel like a hamster that you got to keep running until you old and die.   Keith Weinhold  17:40   Well, you know, it's unavoidable to talk about you've got the word mindset on big letters on a hooded sweatshirt that you're wearing right now, so, you know, I think you're touching on it somewhat. But yeah, talk to us more about this mindset and how to break through the barriers. Because most people's connotation with income is merely that they have got to trade their time for dollars.   Thach Nguyen  18:01   Of course, you know, mindset is 80% of the result that we want, that we get. Because someone could have a mindset to go, I'm going to be the top real estate agent, and that mindset would drive them to be the top agent for many, many year. But they always trade their time for money so they never get wealthy. I have that mindset because I was selling 100 homes a year in my early 20s. But when Saul said to me, you know one day that when you get into your 40s and your 50s, do you want to keep trading time for money, or do you want to trade your money for time? And see, that's a mindset shift. And of course, who want to be in their 50 Keith with a gun in their head, always trading time for money. And so when I heard that, it shifted the mindset to, you know what, I'm going to make money selling real estate because I need that money, then I'm going to take that money and park it into a rental. So when I get into my 40s and my 50s, I have the option to work or not work, and that was a mindset shift. So owning rental property is a mindset more than a strategy.   Keith Weinhold  19:08   I and I think a lot of us, came up with the mindset that, oh, you get wealthy by obtaining a high salary, and then no later, you learn you don't get wealthy through high salaries, especially if wealth equals freedom, you get wealthy through owning assets. So Thatch after you know your homelessness, and you're new to the United States, and you've come up like you described, and you realize that real estate is the way in doing it with a relative amount of passivity, rather than actively being in it as a realtor, you sort of get this roadmap for retiring with rental properties, even from starting at zero like you did. So tell us more about that roadmap to retire with rental properties.   Thach Nguyen  19:47   You know, when I started, I had this roadmap where you got to learn what you need to learn about real estate investing, what why do you want to own it? What's the benefit? What would it do for you? At the end of the day, and a lot of that is goals and vision and mindset. For me when I got clear Keith on the knowledge, because I start off with knowledge. And of course, I want to own real estate. But here's the thing I always want to say to people, nobody want to own real estate. Just to own real estate, right? They want to own real estate. So what it would actually do for you. And so for me, I think when I was younger, I was counting the doors, but now I got older and wiser, I count the hours I get to have back. So the mindset for me is that when I got clear what I wanted to do was I wanted, you know, the option of working at work, that I also wanted to retire my mom, my dad, right? And then I also wanted to actually help my kids learn how to do this one day, so that they have the same mindset. So those are the reason I in want to invest in real estate. Of course, have an asset, have a net worth, come along with a secondary so once I understand the knowledge of why I'm doing it, I got this clear vision. I got this horizon. Now I'm inspired to actually go out there and take action. Now the action is, what do I want to buy for me? I started with single family. I started with buying ugly houses and rehabbing and keeping it, and then worked my way into multifamily and apartment building, all doing value add today. So those are my action, right? So I'm inspired. I take the action, I make money doing what I'm doing. But then I asked myself, How many property do I need? But it's not even how many property I need. How much passive income do I need to get out of the rat race? I have the option of working at work. For me, when I was like, 21 years old, I said to myself, I have $30,000 a month in passive income, and I'm debt free. I mean, who couldn't live off 360,000 of you debt free, right? Yeah. So I had to go to go after so many doors based on what the rent is, to accumulate it and then to pay them down so I can be out of the rat race as soon as possible. And once I did that, then I started playing the game accumulation again. So today I have a whole set of properties paid off. That's why I have over 100,000 a month in passive income. But I also got a whole bunch of property paid off yet, which I don't care, because this ought to get paid up by itself anyway. But now I'm playing this game where I'm gonna accumulate more property or trade up at the same time pay down other property I want to pay off, so that when I get into my 60, my 70, a lot of it paid off, and I still got other property. I don't know. I don't mind accumulating, because I love to play the game of real estate. So this is the road map that I you know, that my mentor saw. He's a very wealthy Jewish man that taught me. And today I'm just taking that lived it my own life now I'm just sharing it back to other people   Keith Weinhold  22:42   that you said so many interesting things there. I think the most is how you talked about your metric is more outcome based. I think we all think through how many doors we have, and you know, even how much passive income that translates into, but you talked about how many hours you're able to win back way that you can quantify that.   Thach Nguyen  23:05   If I ask someone, I go, Hey, how much does it cost you to live personally every month? And most American will probably say, 10,15, 20,000, Max. And I said to them, what have you had that much in passive income? How would you feel? And 99.9% of it were like, my god, that will be amazing. But the problem we all go to the seminar, we see people on stage. They got 100 doors, 200 door. They got 1000 doors. And nobody needs that much to get out of the rat race, right? So I say the most American is, look how much it costs you to live. Look at the lifestyle you live. You have that in passive income, and if you choose to keep working in active income, it's just a cherry on top of the cake.   Keith Weinhold  23:47   Yeah, there are so many ways to do it. We talk here about being financially free rather than debt free, and sort of letting leverage and inflation in tenants work to our benefit. But you've got this separate way of doing it. You're listening to get rich education. We're talking with real estate, personality, Thatch Nguyen, more when we come back, including some actionable tactics. I'm your host. Keith Weinhold,    Keith Weinhold  24:09   let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine. Alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866.    Keith Weinhold  25:31   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre,   Caeli Ridge  26:09   this is Ridge lending group's president, Shaylee ridge. Listen to get rich education with Keith Weinhold, and remember, don't quit your Daydream. You Keith, welcome   Keith Weinhold  26:27   back to get rich Education. I'm your host, Keith Weinhold we're talking with Thatch win real estate personality, and you know Thatch, on the way up, you've really employed a lot of methods. You're knowledgeable about House hacking and burrs and small multifamily in ADUs. ADUs is something that we haven't talked about here very much. And for those that don't know what that is, we're talking about an accessory dwelling unit, right? Typically, a secondary housing unit on the same lot as a primary residence. You can sort of think of it like a backyard cottage in a lot of cases. So tell us Thatch, what got you into ADUs,   Thach Nguyen  27:03   well, Seattle, about five years ago, was one of the first city and state to adapt this Adu, because the biggest problem we have across America is affordable housing, yeah, and a shortage of housing, let alone a shortage of affordable housing. So Seattle came up with, Hey, we will let you. Got built an accessory dwelling unit in the backyard, maximum 800 square feet, but you have to live in the front house to build the back house. Okay? People got excited. They built it so they can rent it in the back. They live in the front house. But then that didn't really solve as much affordable housing for you to buy. It helped with rental. And then about a year, you and a half later, they came over stage shoe to go, you know what? We're gonna allow up to 1000 square feet of adu. But you don't have to live in the front to build the back. Now, people got excited. Investors go, Oh my God, let me go buy a property. Let me go build something. Rent both of these out, right? And then if they want, they could sell the whole entire piece, you know, with somebody, and that was great, but it still wasn't enough. And then about a year you'd have, later, they came up with stage three. They go, You know what? We want to help create more housing for you to buy. So now what we're going to deal with, we're going to actually give people separate APN tax number for the house in the front and the adu in the back, so you can sell off any one of the and by doing that, they value the house as a single family, and they value the back as a single family, so they can comp it like a house, not as a duplex. And that blew the lid off. I mean, in Seattle, that was a game changer. I mean, like builders started coming in, they're buying property. They they building and they selling these. They're making a killer on it. And then show you how much crazy it is. Okay in Seattle, if you buy the house in the front, you gotta get the land the back freak, because it came with the house. We could build 1000 square foot all in it cost us about $400,000 but with a separate parcel number, they comp it as a regular house. So regular houses right about 1000 square feet, they sell for about $700,000 so you build for four is worth seven, and you can actually design it in four months. Get permit, because they have a special line for adu. And then you can build this. You can actually have it all done in one year. So you instantly create massive equity in one deal. But here's a beautiful part of it. In Seattle's expensive city, it's hard to get the 1% rule. You know the 1% rule with, you know 1% of what you pay for a property, a $200,000 house, you get $2,000 for rent with Seattle, a $700,000 house, you get 4000 but the Adu, it only cost us 400,000 but it's worth 700 but my mortgage is based on 400,000 I can write it for four grand, and I meet the 1% rule Now   Keith Weinhold  29:52   a way to recent rent to value ratio, right?   Thach Nguyen  29:56   So now Adu, they are all. All across America, because two years ago, all the city planners and all the people for other state they came to Seattle for a private, hush, hush meeting to ask Seattle How you guys doing this, and so they can go and copy. So in the last two year, Adu has spread across America like wildfire.   Keith Weinhold  30:19   This is great. Tell us more. And of course, it's going to depend on a lot of factors, but tell us more about that cash on cash return that you're getting after stabilization with an adu.   Thach Nguyen  30:29   Yeah, it's beautiful. So when you have a property that's worth 700 and it only costs you 400 it has so much equity, the bank will finance 100% of the construction cost, so you don't have to come up with no money. Great. So then if you finance 100% which is 400 right, 400,000 the mortgage only three grand, and you ran for four in Seattle with making positive cash flow with zero down payment. So that's infinite return on your money.    Keith Weinhold  30:56   Yes, that's a really beautiful thing to get the infinite return when you don't have any equity left in That's right?   Thach Nguyen  31:03   And the thing is, people can do that across America now, but most city right now on stage two, they don't have the APN. But right now, a lot of city right now are on the verge of going from two to three. Right now, I've been going out there buying home that you could actually Burr, make the house in the front. Work make a cash flow. Have the backyard sitting there, and then you can build it anytime. You can build it now, just for the cash flow. Or you can build it when you get the separate APN. So you can get two separate parso You can sell one, keep one. But bottom line is, if I was anybody out there, I'll be buying property. Now, make it work like you would already be buying, but just make sure you get a backyard so you have access to the back.   Keith Weinhold  31:46   Okay? So in some situations, using the burr strategy on the primary residence with an adu, burrs, buy, renovate, rent, refinance and repeat, beautiful.   Thach Nguyen  31:55   That's what I call the atomic bomb, the burr. Add the adu to the back. Boom. But I'm gonna give your audience something that they can even look forward to. Seattle in November of 2025 this went into stage four. Now in stage four, single family in the front, if the lot's big enough, you can put instead of one, you can put 234, or five property in the back, if the lot's big enough.   Keith Weinhold  32:23   Yeah, this is great. I mean, it solves the problem of affordable housing, and it increases the density in a lot of these metro areas. Yes, right, Thatch, it sounds like Seattle's having a good deal of success with the ADUs. How is that when you extrapolate it out nationally, and are there regulatory bottlenecks out there.   Thach Nguyen  32:40   The only bottleneck right now is most people right now are in state two, where they can't separate it. So if they buy a burr, they can add the house in the back. They just have to be able to comp it where there's a house and another house in the back. So what they do is they look at two different type of comp. They look at, what does it duplex sell for in the area? They could use that as a comp. Or if this is a 2000 square foot home, and you got another 800 square foot, what's a 2800 square foot home is going for? Because they can be added this to the main house, so they can create the ARV. Does that make sense? Yeah. And the only challenge, challenging is that a city that's new, they have to use comp like duplexes and square foot. It to come up with the ARV.   Keith Weinhold  33:23   That's really good. Okay, so Seattle's had these four phases of ADUs, if you will. And then what's next for ADUs?   Thach Nguyen  33:30   I think what's gonna happen after phase four is that all these single family one day will all go to multifamily. It's already in multifamily. You got a single family in the front. You can build three in a back. They're all three single family. But technically it's multi unit, right? It's called multi unit, but it's still on single family zoning, because, you know, the bulk of the real estate where I still have land, or the residential, because most commercial, you and I know, they built out on all the land on the lot, so the biggest portion left is the single family. So this is why I've been doing the adu. And I think in the future, Phase Five could be those single family that whole area might get up zoned to multifamily, more density.   Keith Weinhold  34:11   Yeah, upzoning, that term for allowing more dense housing term really originated because you're building up vertically, although that doesn't have to be the case every time. And yes, I mean, this is really a great way to solve the affordable housing crunch in the United States. I've seen other cities where single family zoning only was allowed now allows for duplexes. That's a common way to upzone as well and fetch you really often talk about creating affordable housing, like we're discussing here, while you're building wealth. Can you speak to us more about that? You kind of get a give back that way?   Thach Nguyen  34:46   Yeah. This is a mindset thing. There's a mindset that says, right? And some people believe it. Some people don't. I love what Zig Ziglar said, Right? Zig. Zig says, If you help enough people get what they want, you eventually get what you want. Yeah. And so. If you go out, then you make enough difference to the world. Take a look at Bill Gates. One day, he probably saying, You know what, I'm going to figure out how to make a computer to actually help your life better, faster, more efficient. And his goal was to do it worldwide. So he solved that problem, and in return, he has massive financial freedom. So for me, real estate isn't just real estate. Real estate what it would do for me as an outcome, real estate also give me an emotional contribution, which is, if I make a difference out there, creating more housing right, to make it more affordable, to make it most of people gonna buy it. What does it do? For me? It will actually fulfill the hierarchy of life, which is contribution. Because once you have money, the only thing that fulfill human being beyond money is life fulfillment.   Keith Weinhold  35:48   That's right. I mean, hey, it's a little brash, but in the business world, really no one cares about you until they know how much you can help them.   Thach Nguyen  35:56   You got it, brother, you got it right. That's why do you think so many wealthy people do thing in nonprofit world, because at some point it was all about them at the beginning. Now it's about basically giving back. So imagine, on your way going to success, you do both, you make a difference and you benefit also. And it's a more fulfilling journey than a journey just push, push, push and grinding and not taking care of you in the process.   Keith Weinhold  36:23   Well, if that's your events, they give you this mentorship platform. And I think you've actually pointed to how mentorship accelerates your own real estate success, even though you're trying to help others first.    Thach Nguyen  36:34   Yeah, you know for me, I always knew that the more you learn, the more you earn. And so what? 1995 I met my first mentor, Saul and then I met my other mentor, Mike ferry. And if I'm there, I met Wayne Dyer, who became one of my great mentor, Tony Robbins, Deepak, Chopra, Abraham Hicks, I mean, all these great people, right, that I got exposed to. And today I still have multiple different mentor from fitness mentor, spiritual mentor, business mentor, you know, financial mentor, and they I have regular meeting with these folks, because I want to constantly, always feel I'm growing mentally, emotionally and financially, physically, and I know that the more I learn, the more I can actually make a difference to other people coming behind me   Keith Weinhold  37:21    even Michael Jordan had his own team of coaches. Yeah, you see, that's why, that's how we all get better with that, you've really helped so many people with your mentorship, your contribution to the industry. Let our audience know how they can learn more about you.   Thach Nguyen  37:36   Yeah, if you gotta go to my Instagram, it's Thatch Nguyen this my name, and you go to YouTube, I drop YouTube every single week. It's my name. Also that's when. And you can find me there. You can find me on Instagram, tik, Tok, Facebook, everywhere. That's where I inspire and empower people all over the world about real estate and mindset.   Keith Weinhold  37:54   If that's before, I ask you if you have any last thoughts as you look him up, it's spelled T, H, A, C, H N, G, u, y, e n, fetch. Let us know if you have any closing thoughts.   Thach Nguyen  38:04   Yeah, this has been on my mind lately a lot. If you want to be successful at anything, you got to get single minded focus. And I remember when I was in Tony Robbins training, we used to do fire walk a lot. And when you are doing fire walk, you have to get single minded focus. And the only thing that you will focus on is perfect health, perfect health, perfect health. As you walk in across five feet, six feet, seven feet, and you have to really stay focused on perfect health, perfect health, perfect health, perfect health. And if you don't, and I've seen what, people lost their concentration and they burn their feet halfway through. But I also see people so powerful where they can walk halfway stop, bend down, pick up a coal and keep walking. Don't burn because they really focus on single minded focus. So I want to say to everybody, make sure you clear on where you want to buy, what you want to buy, and then once you know where you want to buy, what you want to buy, get focused on your main job is to figure out how to find deals every day, because that's your main job. If you can find deal, you solve all of your personal problem.    Keith Weinhold  39:15   I am so with you on the focus of concentration, because diversification is a word that we're fed, and there's something to be said for that. But if you want greatness in anything, you really need to double down and focus. It's sort of like Andrew Carnegie said, put all your eggs in one basket and then watch that basket. Yeah. Well, that's when this has been great. It's been good to have you here on the show.   Thach Nguyen  39:35   I appreciate everybody we talk to y'all soon. Peace out.    Keith Weinhold  39:44   Yeah, good energy from Thatch Nguyen. He's based in Seattle. When you don't live in an investor advantage area, you have to get creative or scrappy, and he's doing it well, using ADUs and a lot of value add if you're merely investing. Investing on the side, well, then you're probably better off with a turnkey type investment, something that's not quite so hands on, but if you're devoted full time to real estate, then you really have some ideas there that you might want to pick up on. He wore a sweatshirt that says mindset on it during our chat. I like that. I mean, real estate investing isn't all about mindset, but that's surely where it begins for the production team here at GRE that's our sound engineer, bedroom Jampa, who has edited every single episode since 2014 QC and show notes, Brenda Almedares, video lead, brendawali strategy, talimagal, video editor, seroza, KC, and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  40:50   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:18   The preceding program was brought to you by your home for wealth building get richeducation.com  

Stocks kicking off the week snapping a major winning streak, as investors eye the next move in the fragile Mideast ceasefire. The details behind the latest developments, and the impact on oil as prices tick back up. Plus a combo in the construction supplies space, Eli Lilly's latest drugmaker deal, and how the Strait of Hormuz closure could mean a lump of coal this holiday season. And get ready to have your mind blown when Oz The Mentalist stops by the Fast Money desk. Fast Money Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Tactical Dent Tech Podcast, John Highley breaks down a real-world estimate on an Audi quarter panel—and how changing the approach turned a potential lost job into a fast, profitable win. This isn't just about dent repair… it's about understanding your customer, setting expectations, and closing more deals without sacrificing your time or sanity. John walks through how a $3,000+ full R&I repair turned into a $1,200 glue-pull solution that the customer happily accepted—and why this approach often leads to more profit, less risk, and better client satisfaction. In this episode, you'll learn: • Why starting with the highest possible estimate gives you leverage • How to use pricing as a sales and expectation-setting tool • The difference between perfect repairs vs. "make-it-better" clients • How to avoid losing jobs by being too rigid in your process • Why most customers don't actually want "perfect"—they want value • How to reduce risk (and headaches) by avoiding unnecessary R&I work • The psychology behind giving customers options instead of ultimatums This episode also dives into: • Real talk about R&I (and why many techs hate it) • Using glue pulling strategically to save time and increase profit • How to avoid nightmare clients by properly setting expectations • Why exceeding expectations is easier when you control the narrative upfront At the end of the day, this business isn't about proving how perfect you are— it's about serving the customer, solving their problem, and doing it profitably. If you can master that balance, you'll close more deals and make more money.

ACOFAE Podcast Presents: Cleopatra: "They knew a baddie when they saw one." It's easy to get your kicks in 2026 when the hyper-fixation of Laura Marie's childhood is the focus of the episode! Cleopatra by Saara El Arifi takes all of the well known highlights of the Queen's life and adds in a supernatural element that brings a complexity to a character that is known for so many things. Goddess reincarnated, Queen, mother, and lover Cleopatra wore all these titles and more during her reign as Egypt's Pharaoh. Join Laura Marie and Jessica Marie as they move through history in the shadows of these figures that were larger than life and bigger than divinity for a time. "Lower." TW / CW: none to our awareness For additional TW/CW information for your future reads, head to this site for more: https://triggerwarningdatabase.com/ Spoilers: History, Cleopatra by Saara El-Arifi Mentions: When We Were Gods by Colin Faulkner, Pharaoh by Karen Essex, Sailor Moon, Wuthering Heights, 1984, The Mummy, Mighty Max, Looney Tunes, Robin Hood: Men in Tights, Aladdin: King of Thieves *Thank you for listening to us! Please subscribe and leave a 5-star review and follow us on Instagram at @ACOFAEpodcast and on our TikToks! TikTok: ACOFAELaura : Laura Marie ( https://www.tiktok.com/@acofaelaura) ACOFAEJessica : Jessica Marie (https://www.tiktok.com/@acofaejessica) Instagram: @ACOFAEpodcast https://www.instagram.com/acofaepodcast/ @ACOFAELaura https://www.instagram.com/acofaelaura/

Spring may be slow to arrive in Minnesota, but research season is heating up. In this episode of The Moos Room, Brad revisits a large Minnesota-based study exploring the true cost of health events in dairy cows—and why tracking cost, not just disease incidence, could transform genetic selection and farm profitability.Using data from thousands of Holstein cows across multiple herds, the team found that health costs are heavily concentrated in the first 30 days of lactation, when cows face metabolic stress from calving and high milk production. However, issues like lameness and mastitis continue to accumulate costs throughout the lactation, especially in older cows. In fact, total health costs more than double from first to later lactations, reflecting wear, immune fatigue, and management differences.A key takeaway: management determines cost, but genetics influence risk. While some high-cost conditions (like reproductive disorders) are difficult to improve genetically, others—such as mastitis and metabolic disease—show stronger heritability.The breakthrough insight is that total health cost itself is moderately heritable (~0.25)—much higher than traditional “sick vs. not sick” measures. This means selecting animals based on overall health cost could drive faster genetic progress than current methods.Brad also highlights important genetic and phenotypic relationships: Higher milk production is linked to increased health costs  Lower somatic cell count strongly reduces total health costs  Taller, more angular cows tend to have higher health costs  Shallower udders are associated with better health outcomes From a practical standpoint, the episode emphasizes: The need for consistent, detailed health and cost recording Moving beyond binary disease tracking to full economic impact Incorporating total health cost into sire selection decisionsBottom line: Selecting for lower total health cost can improve profitability, extend cow longevity, and enhance animal welfare—potentially saving tens of thousands of dollars at the herd level in just one generation.Questions, comments, scathing rebuttals? -> themoosroom@umn.edu or call 612-624-3610 and leave us a message!Linkedin -> The Moos RoomTwitter -> @UMNmoosroom and @UMNFarmSafetyFacebook -> @UMNDairyYouTube -> UMN Beef and Dairy and UMN Farm Safety and HealthInstagram -> @UMNWCROCDairyExtension WebsiteAgriAmerica Podcast Directory 

I never thought I'd be glued to the Supreme Court docket like this, but here we are on a crisp April morning in 2026, and Steve Bannon's legal saga just took a wild turn. Picture this: Stephen K. Bannon, the fiery former strategist to President Donald Trump, convicted back in 2022 for contempt of Congress after defying a subpoena from the House committee investigating the January 6 Capitol riot. He served four months in federal prison, but now, SCOTUSblog reports that the Supreme Court, in its Monday order list, has sent his case back to the lower court. The Department of Justice has already filed a motion to dismiss the indictment entirely. It's a massive win for Bannon, clearing the path for his conviction to vanish just as Trump gears up for another White House run. Listeners, this feels like poetic justice in the endless Trump orbit legal battles—Bannon's loyalty to Trump never wavered, and now the courts might let him walk free.But hold on, because the Trump world's legal ripples don't stop there. Just days ago, on April 7, the justices also added a new case to their 2026-27 docket challenging veterans' benefit laws, though it's not directly tied to Trump. Still, the court's moves echo broader fights over executive power that Trump champions. Fast forward to this week, and Attorney General Pam Bondi—Trump's pick, confirmed earlier this year—has been flexing muscle through the Department of Justice's AI Litigation Task Force. Established back on January 9, 2026, this squad is primed to sue states over AI laws, arguing they burden interstate commerce or clash with federal rules. Baker Botts' AI Legal Watch notes it's all part of a White House push from March 20, including a National Policy Framework for Artificial Intelligence that urges Congress to protect voices and likenesses from AI deepfakes—think Trump's image cloned without permission—while carving out spots for satire and news.Trump's influence seeps into procurement too. The General Services Administration dropped its "Basic Safeguarding of Artificial Intelligence Systems" clause on March 6, forcing companies to ditch their own AI terms for government deals, claiming ownership of custom tech, and sticking to American-made systems. It's a Trump-era clampdown on Big Tech, overriding commercial safety nets. Meanwhile, in a nod to hiring fairness that could hit Trump's business empire, Judge Rita Lin in the Northern District of California greenlit core age-discrimination claims in Mobley v. Workday on March 6. The ruling says the Age Discrimination in Employment Act covers job seekers, not just employees—huge for AI bias suits that might one day scrutinize Trump Organization practices.These threads weave a tapestry of Trump-shaped legal shifts: from Bannon's potential exoneration to AI battles shielding his brand. As federal preemption looms over state regs like New York's LLC Transparency Act, enforced since January 1, it's clear 2026 is reshaping the game.Thanks for tuning in, listeners. Come back next week for more, and this has been a Quiet Please production. For more, check out Quiet Please Dot A I.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.aiThis content was created in partnership and with the help of Artificial Intelligence AI

Jesse Montano and Meghan Angley are LIVE after the Avs knocked off the Kings 2-1 in Game 1 of their 1st Round matchup   #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #nhl   Presented by Ramos Law and ramoslaw.com   This show is brought to you by RefiJet   Did you know you could refinance your auto loan?   With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

Newly obtained public records are shedding light on how Washington's new income tax law was developed — and what lawmakers and legal advisors were discussing behind the scenes. In this Washington In Focus Daily report, we break down: What nearly 1,000 pages of internal documents reveal How the income tax legislation was crafted and debated The ongoing legal challenges and referendum efforts Why the issue is becoming a top concern for voters 

Australia's Viva Energy warned it expects its Geelong refinery to produce diesel and jet fuel at around 80 percent ​of capacity in the short term. The refinery caught fire last week and burned for 13 hours before being put out. Australian correspondent Oliver Peterson says it's not as bad as it could have been - but concerns have been raised as the fuel crisis continues. LISTEN ABOVESee omnystudio.com/listener for privacy information.

This week, former Forrester Research Director, Jeff Clark, is back in the studio for a discussion with our host Ian Truscott, to discuss how marketing can help sales defeat the biggest competitor in many B2B deals - do nothing.  They discuss:  Quantify the cost of inaction Understand persona needs Lower risk of change Bring proof Build internal consensus Ian then joins Robert Rose in the virtual bar, The Rose & Rockstar, to celebrate 6 years of the podcast. Over a fabulous cocktail, they revisit the first chat they had in the bar, about expressing your point of view in “unprecedented” times and how this relates to his work today, and their discussion two weeks ago about showing your “pointy bits”. Enjoy! — The Links The people: Ian Truscott on LinkedIn  Jeff Clark on LinkedIn Robert Rose on LinkedIn Mentioned this week: The JOLT Effect What is Customer Indecision? Understanding and Overcoming Buyer Hesitation The Greatest Sales Deck I've Ever Seen | by Andy Raskin | Mission.org | Medium Rockstar CMO FM #9 - Ahmed Hasan and Cocktails with Robert Rose Robert's podcast: This Old Marketing  Robert's newsletter: Lens, his websites, robertrose.net and seventhbear.com Rockstar CMO: The Beat Newsletter that we send every Monday Rockstar CMO on the web and LinkedIn Previous episodes and all the show notes: Rockstar CMO FM. Track List: We'll be right back by Stienski & Mass Media on YouTube Piano Music is by Johnny Easton, shared under a Creative Commons license Prince - Nothing Compares 2 U (Official Music Video) You can listen to this on all good podcast platforms, like Apple, Amazon, and Spotify. Learn more about your ad choices. Visit megaphone.fm/adchoices

MADD's mission is to end drunk and drugged driving, support victims of these crimes, and prevent underage drinking and other substance use. A key initiative highlighted is MADD's Promposal, a free 30–45-minute presentation for high school juniors and seniors that addresses the risks of underage substance use and impaired driving, while empowering students to make safe, memorable prom experiences through MADD's High School Programs.We speak with Ted Evgeniadis of the Lower Susquehanna Riverkeeper about the ongoing legal battle surrounding J&K Salvage in York County. The conversation focuses on environmental concerns following a fire at the site, the Riverkeeper's lawsuit to halt operations, and a recent federal ruling denying that request. Evgeniadis also discusses what the decision means moving forward and the broader effort to protect the Susquehanna River from pollution.

Dr Pradip Jamnadas is a cardiologist and expert in metabolic health, known for his work on insulin resistance, fasting, and cardiovascular disease prevention. In this moment, he breaks down the real driver behind modern health issues: insulin resistance. Dr Jamnadas explains exactly what habits keep insulin elevated and causes visceral fat gain, inflammation, and diseases like diabetes. He also reveals the key to reversing this metabolic dysfunction, that you can start implementing today. Listen to the full episode here: Spotify: https://g2ul0.app.link/x6ShJA3YV1b Apple: https://g2ul0.app.link/BMi7037YV1b Watch the Episodes On YouTube: https://www.youtube.com/c/%20TheDiaryOfACEO/videos Follow Pradip: https://www.youtube.com/channel/UCOtQHehGWtblMp1gZC8Kq3Q

Can you really feed your family on $100 a month? In this episode, I'm pulling back the curtain on the system my mom used to feed our family well on a very small grocery budget and why it still works today. While the 1980's equivalent to $100/month is now around $300-$400/month, we can achieve this today. This isn't about couponing, deprivation, or living on rice and beans. It's about a simple, intentional way of cooking from scratch, buying in season, and preserving food your family actually eats. After sharing my mom's story, so many of you asked how it actually worked. In this episode, I break down the exact system behind it so you can begin applying it in your own kitchen right now. We're talking about how to: Lower your grocery bill without sacrificing quality Use seasonal food to your advantage Build a pantry that supports real meals Avoid waste and make every ingredient count Start creating a food system that works for your current season of life I also share what's different today compared to when I was growing up, including time constraints, the loss of generational knowledge, and how to bridge that gap with the tools we have now. If you've ever felt like feeding your family well on a budget isn't possible, this episode will show you a different way forward. This is about more than saving money. It's about building a kitchen that nourishes your family, supports your values, and gives you confidence in what's on your table. Listen now and start building your system today. For more information and any links mentioned, visit the blog post here: https://melissaknorris.com/507

Brians Questions: I am getting ready to build a mission style entertainment center.  This project will use what I'm told is arched pedestal legs which was used a lot by Gustav Stickley.  I will be gluing up three 5 3/4"x 28" quarter sawn white oak blanks to make the legs.  I will then route the curve using a compression bit and template which I made using the Shaper Origin. My question is what are some good methods to ensure there is a tight (almost invisible) line on the glue up of the blanks.  The legs are going to be a major feature on this piece and I would hate for the lines to be visible.  I've done glue ups for square legs before and have pretty good success although not perfect.  I know grain match is a big deal but wanted to pick your guys brains on clamping methods, glue type and anything else you can suggest to ensure success. Yours is the best podcast on the net. Tom Young I recently upgraded from a 9”  ryobi bench top bandsaw to a craftsman 10”   Floor standing. I'd like to build a mobile base for it. My question is, how tall should the table be? Should it be elbow high? Waste high? Higher ? Lower? For context, I'm mostly a hand tool guy and, although I have a dinky table saw, I don't use it much, favoring the bandsaw.  I'll do some light resawing and other more detailed work with it. Thanks guys and Guy. Love the show.Jason Guys Questions: I am working on a large kitchen cabinet project and have come across a few questions I thought would make good discussion. Project includes 16 base cabinets, 14 uppers, range hood and a couple of custom spice racks, open shelves etc. Upper will have 14" upper uppers stacked on them with glass fronts. Lowers are almost entirely drawers. Carcasses are about done heading into face frames and drawers. -Drawer box preferences or use cases for solid wood vs plywood with edge banding. I am leaning towards plywood due to number I need (38), being simpler to use prefinished ply then mill down rough cut. But it seems like cheating.....Large Pots and pans drawers 3/4" sides or 5/8" sides? -Drawer box construction when using overlay fronts. I do not have a dovetail jig. I may end up just pocket screwing them which is what I have done in the past but I wanted to add an upscale touch. I tried my domino with Sipo dominoes, pin nailed the box together first and then put two 5x30 dominoes in. To me the hole created was not that tight with the domino, didn't look nice. I see some YouTube experts make it seem easy, any experience or thoughts? Also thought of using drawer lock bit on the new to me shaper I just picked up but no experience yet. (Grizzly 3hp) Thoughts or preferences? Any other thoughts or recommendations when batching out large cabinet projects. Matt Hola Y'all, I have been listening to y'all for a little over a year, and woodworking for two years. Best Podcast on the interwebs! I was recently gifted a used Grizzly Go555 14" 1HP. I have never owned a Bandsaw and I want to use it mainly for resawing. I was told it is working fine, but I prefer to "Trust, but Verify". My questions are: 1. What tune-up/preventive maintenance should I do immediately? 2. What upgrades should I do for resawing hardwood? Thanks so much! Peace, Love, and Sawdust Norris Sebastian Grandad's Workshop Huy's Questions: Hey guys! I am a full-time journeyman carpenter and I work in the commercial sector around the Indianapolis area. Currently working at the new IU Health Hospital downtown. I've been doing carpentry professionally for nearly 9 years. Almost half of a year ago, I decided to purchase a 4x4 shapeoko 5 pro and got involved with learning about cnc. As friends and family found out about my new acquired skill, I've been asked to make various types of wood related projects-some requiring cnc and some that don't. I have a decent amount of handheld power tools and jobsite tools I've acquired through the years. Thankfully those tools have helped me in completing non-cnc related projects but my problem is the lack of woodworking tools and equipment at my disposal. Many times I've turned down projects due to not having the right tools. Other times I've taken extra steps to complete tasks, but had I just had the right tool, it could've been a breeze. I want to have a nice wood shop in my barn eventually but not sure how to prioritize my wants and needs. Considering trading the cnc to instantly increase my wood shop tool budget and maybe revisiting it in the future. With a focus on increasing my wood working tools and building up my shop—What are some upgrades/ tool trades/ must-have-tools to kickstart my wood shop? What tools should I get rid of? Tools at my current disposal/ 4x4 shapeoko 5 pro, a dw 8-1/4” table saw, dw 735 planer, dw 10” miter saw, Bosch random orbital sander, metabo belt sander , ridgid oscillating spindle sander, central machine drill press, various dw drills/ impacts/ saw zalls/ oscillator/ hammer drill/ jig saw/ circular saw etc. Tools that could've made my life easier in the past- a jointer, band saw, track saw, drum sander, router table, etc Thanks, Holden P.s. My dad and I carpool together during the work week and love listening to the podcast-we especially have come fond of Guy's no bs, straightforward attitude. Keep up the good work! Korey from Independence, KY again. I was thinking about getting radial arm saw to use exclusively for dados. I have never seen a radial arm saw in person. They can be found very cheaply on Facebook marketplace and space in not an issue for me. Do you think it would be worth it and can you use it to cut dados safely. What are some other good uses for a radial arm saw. Thank you and keep up the good work. Korey

Several Chinese cities are rewriting their parking rules. Lower fees, shorter billing increments, free overnight and holiday parking. The goal is to free up spaces and ease costs for drivers. But will these changes actually work or just create new problems? On the show: Steve, Yushan & Yushun

In this episode I ended up going in a completely different direction than I expected and found myself sharing more of my own story - around coping, authenticity, and the ways I used to show up that weren't actually me.  I talk about my past relationship with alcohol, masking, and what it looked like to try to fit in and feel accepted, and how that's shifted on my healing path. This opens the door into a deeper conversation about emotional overwhelm, ancestral patterns, and what may be coming up for you right now as you move through your own healing and step more fully into your truth. In this episode: Spiritual karaoke message “lost in emotion”  Personal and collective shadow work The importance of support A personal share on coping mechanisms, authenticity, and self-acceptance Alcohol, avoidance, and meeting yourself Higher vs lower frequency ancestors  The tug-of-war dynamic happening on your ancestral line Discernment when working with ancestors and spirit Neutrality vs polarization  Cycle-breaking in real time   Join The Lightworker Bridge Collective This membership is for Lightworkers and spiritual seekers who are looking for energetic support, guidance, and connection on the spiritual path. You can sign up today for a free 7 day trial HERE   1:1 Akashic Reiki Healing Sessions - Book Here Animal Reiki/End of Life Support Sessions- Book Here Children's Intuitive Reiki Sessions - Book Here House/Land Clearing - Book Here Spirit Attachment Release - Book Here  Learn to read the Akashic Records (self-study course) - The Bridge 5D Ascension Akashic Records Training

This Day in Maine for Friday, April 17th, 2026.

Jesse Montano is joined in-studio by Mark Robinson as they unpack their thoughts on the NHL regular season coming to a close, and start to peel back the curtain on the Round 1 matchup between Colorado and LA   #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL   This show is brought to you by RefiJet   Did you know you could refinance your auto loan?   With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

US President Trump said they are making a lot of progress on Iran, and he is not sure the ceasefire needs to be extended, while he added that Iran is willing to do things today they previously weren't.US President Trump said he had excellent conversations with Lebanon's President Aoun and Israeli PM Netanyahu, while he announced that the leaders agreed to formally begin a 10-day ceasefire from 17:00EDT on Thursday.Israeli security official said the military has no plans to withdraw forces from Southern Lebanon during a ceasefire.A source told Al-Mayadeen that starting Friday, at noon (10:00BST) anyone wishing to cross Bab al-Mandab should be more vigilant than ever before in all six directions, while other reports noted that the warning was made by a resistance commander.APAC stocks were mostly lower; European equity futures indicate a lower cash market open with Euro Stoxx 50 futures down 0.2%.Looking ahead, highlights include Italian Balance of Trade (Feb), Canadian Housing Starts (Mar). Speakers include BoE's Breeden & Pill, Fed's Daly, Barkin & Waller. Earnings from State Street. Credit Reviews include Morningstar DBRS reviews credit rating on the EU and Italy.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

*FREE Week of Strength Training* - https://www.digitalbarbell.com/freestrengthApply to work with us: https://www.digitalbarbell.com/contact-usWorkout program options: https://www.digitalbarbell.com/optionsOur Amazon Shop: https://www.amazon.com/shop/digitalbarbell

>>Speed Train With Rypstick: The #1 speed trainer to add 10+ yards in 40 days or less (use code WICKEDSMART to save 20%)  >>Get my FREE distance guide, Unleash Your Driving Potential Mark Broadie is one of the most influential voices in modern golf. As the creator of Strokes Gained and a professor at Columbia Business School, his work has completely changed how players—from amateurs to PGA Tour pros—analyze and improve their game. His research has helped shift the focus from guesswork to data, giving golfers a clear, proven way to actually lower their scores. In this episode, we cover: How distance is your scoring potential Why traditional stats don't tell the real picture The importance of greens in regulation (GIRs) How to use data to actually lower your handicap What Strokes Gained is (and why it matters for your game) How to improve your putting performance (both lag putts and short putts) And more powerful lessons to help you this season. Make sure to check out his book, Every Shot Counts on Amazon and check out his app, GolfMetrics to track your stats.  WICKED SMART GOLF Recommended Products Speed Train With Rypstick: The #1 speed trainer to add 10+ yards in 40 days or less (use code WICKEDSMART to save 20%)  Think Like a Pro with DECADE Golf: The #1 course management system to think like a pro (use code WICKEDSMART to save 20%). Master Mobility & Flexibility with Golf Forever: The best way to work on your golf fitness at home or the gym, with easy to follow plans & app (use code "WICKEDSMART" to save 15%).  Use HackMotion for Better Ballstriking: The best wrist trainer in golf and become your swing coach (use code WICKEDSMART to save 5% on your investment).  Speed Train with HiiTs Driver: Developed by 3X WLD Champion, Fast Eddie, this hittable driver will help you add distance while hitting balls (use code "WICKEDSMART" to save 10%). Wicked Smart Golf Academy To Lower Your HDCP Fast: The FASTEST way to play consistent golf.  Practice Like a Pro With Wicked Smart Golf Practice Formula: 100 Practice plans and a 90-minute masterclass to practice like a pro.   Wicked Smart Golf Books Play better FAST with the Wicked Smart Golf Trilogy on Amazon or Audible.  Simplify "golf fitness" with my book, The Wicked Smart Golf Fitness Formula on Amazon. Or, listen to it on Audible.  Also, don't forget to connect on social media: Follow on TikTok Follow on Instagram   Subscribe on YouTube

Join as we work through a real-life case study of a woman experiencing chronic LE pain at a high risk of losing all her independence. 

A round-up of the main headlines in Sweden on April 16th 2026. You can hear more reports on our homepage www.radiosweden.se, or in the app Sveriges Radio. Presenter and producer: Michael Walsh

In episode 248, Coffey talks with Damon Thompson about how student loan debt impacts employees and how employers can help reduce that burden through benefits programs and federal subsidies.  They discuss the history and evolution of federal student loan programs before and after the Affordable Care Act; rising college costs and lack of borrowing caps driving massive student debt growth; financial stress and productivity loss caused by high monthly loan payments; how income-driven repayment and federal subsidy programs reduce employee loan obligations; employer-sponsored student loan repayment benefits under Section 127 tax advantages; complexities and low success rates navigating Department of Education programs independently; public service loan forgiveness eligibility and long-term debt elimination strategies; how personal circumstances influence repayment calculations beyond income alone; the role of third-party services in optimizing loan subsidies and compliance; and the connection between student debt, employee retention, and delayed life milestones.  For HR teams who discuss this podcast in their team meetings, we've created a discussion starter PDF to help guide your conversation. Download it here https://goodmorninghr.com/EP248  Good Morning, HR is brought to you by Imperative—Bulletproof Background Checks. For more information about our commitment to quality and excellent customer service, visit us at https://imperativeinfo.com.   If you are an HRCI or SHRM-certified professional, this episode of Good Morning, HR has been pre-approved for half a recertification credit. To obtain the recertification information for this episode, visit https://goodmorninghr.com.   About our Guest:  After graduating from Austin College (Sherman Texas) in 1979 Damon immediately began his career working directly with the owners of closely held businesses and their H.R. teams.   Understanding the needs of both the employer and the employee he knows that not all employee benefits are “insurance” benefits needing employer funding.   Being familiar with Comprehensive Major Medical, Workers Compensation as well as Administration systems & software has allowed him to develop unique solutions for owners of those closely held companies and their HR teams.   This has also led to many speaking engagements in organizations such as Texas A&M Graduate School of Business, Work with Texas Legislators & Attorney General, Private Equity Association Convention (PEG-aplooza), and Numerous Chambers of Commerce across Texas.  Damon Thompson can be reached at https://www.finnita.com/  About Mike Coffey:  Mike Coffey is an entrepreneur, licensed private investigator, business strategist, HR consultant, and registered yoga teacher. In 1999, he founded Imperative, a background investigations and due diligence firm helping risk-averse clients make well-informed decisions about the people they involve in their business. Imperative delivers in-depth employment background investigations, know-your-customer and anti-money laundering compliance, and due diligence investigations to more than 300 risk-averse corporate clients across the US, and, through its PFC Caregiver & Household Screening brand, many more private estates, family offices, and personal service agencies. Imperative has been named a Best Places to Work, the Texas Association of Business' small business of the year, and is accredited by the Professional Background Screening Association.  Mike shares his insight from 25+ years of HR-entrepreneurship on the Good Morning, HR podcast, where each week he talks to business leaders about bringing people together to create value for customers, shareholders, and community. Mike has been recognized as an Entrepreneur of Excellence by FW, Inc. and has twice been recognized as the North Texas HR Professional of the Year.  Mike serves as a board member of a number of organizations, including the Texas State Council, where he serves Texas' 31 SHRM chapters as State Director-Elect; Workforce Solutions for Tarrant County; the Texas Association of Business; and the Fort Worth Chamber of Commerce, where he is chair of the Talent Committee. Mike is a certified Senior Professional in Human Resources (SPHR) through the HR Certification Institute and a SHRM Senior Certified Professional (SHRM-SCP). He is also a Yoga Alliance registered yoga teacher (RYT-200) and teaches multiple times each week. Mike and his very patient wife of 28 years are empty nesters in Fort Worth.  Learning Objectives: Understand how federal student loan programs evolved and why debt has increased significantly Identify the impact of student loan debt on employee productivity, retention, and financial wellbeing Evaluate employer strategies, including tax-advantaged benefits, to help employees manage student loans  

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.

Happy 1st Friday Edition of the Program!! Joshua Perry is in again. Rick Bowness with an all time rant after the CBJ season comes to an end. We discuss every angle and aspect for the 1st hour of the show. Daniel Jeremiah likes the Buckeyes. ESPN's Jake Trotter, Dalton Wasserman on the NFL Draft, What's Up, Higher or Lower, Thing or Not a Thing, #HeyGuys, Your Officially Endorsed and 3 Things

Robach and Holmes cover the latest news headlines and entertainment updates and give perspective on current events in their daily “Morning Run.”See omnystudio.com/listener for privacy information.

Click this link https://www.boot.dev?promo=KINDAFUNNY and use my code KINDAFUNNY to get 25% off your first payment for boot.dev. Thank you Boot.Dev for Sponsoring!If you're struggling with OCD or unrelenting intrusive thoughts, NOCD can help. Book a free 15 minute call to get started: https://learn.nocd.com/KINDAFUNNYSign up for your one-dollar-per-month trial today at https://shopify.com/kindafunny Thank you for the support! Run of Show - - Start - Xbox Game Pass ‘has become too expensive,' says Microsoft's new gaming chief in leaked memo - Tom Warren @ The Verge - ‘Bloodborne' Video Game Getting R-Rated Animated Movie Adaptation From Sony - Brent Lang @ Variety - Ad - Rockstar Games Hack Update - Wesley Yin-Poole @ IGN - Silent Hill 2 remake studio Bloober Team announces leadership expansion and teases seven games in development - Fran Ruiz @ Eurogamer - Wee News! - SuperChats & You‘re Wrong Learn more about your ad choices. Visit megaphone.fm/adchoices

Struggling with hip and butt cellulite that won't go away? Discover how to get rid of cellulite fast with the right lower body workout that builds glute muscles and supports smoother, firmer skin.0:00 Introduction: How to get rid of cellulite0:17 Why cellulite won't go away2:00 Eliminating butt cellulite4:51 Cellulite and diet5:30 Lower body workout for cellulite removalDownload Dr. Berg's Free Daily Health Routine: https://drbrg.co/45qtO07Cellulite on your thighs and butt isn't always just fat. It's often caused by atrophy of your fascia. The best way to get rid of cellulite is to build muscle.The glutes are the largest muscles in the entire body, and they're often weakened by a sedentary lifestyle. To eliminate hip and butt cellulite, a full lower body workout is essential rather than focusing solely on glute exercises. Focus on building glute muscle instead of weight loss to eliminate cellulite.If your diet is high in carbohydrates, it will be difficult to get rid of cellulite, even with the right exercises. Carbohydrates keep insulin and inflammation high, making cellulite removal nearly impossible.Try this simple lower body workout to get rid of cellulite fast:Banded Clamshell• Sets: 2–3• Reps: 12–20 per side• Tempo: Slow and controlled (2 sec up, 2 sec down)• Rest: 20–30 secBanded Glute Bridge• Sets: 2–3• Reps: 12–15• Hold: 2–3 seconds at the top• Rest: 20–30 secLateral Band Walk• Sets: 2–3• Steps: 10–15 steps each direction• Rest: 20–30 secDeep Squat with Side Shift • Sets: 2–3• Reps: 8–12 shifts per side• Tempo: Slow and controlled• Rest: 20–30 secDr. Eric Berg DC Bio:Dr. Berg, age 60, is a chiropractor who specializes in Healthy Ketosis & Intermittent Fasting. He is the Director of Dr. Berg Nutritionals and author of the best-selling book The Healthy Keto Plan. He no longer practices, but focuses on health education through social media.Disclaimer: Dr. Eric Berg received his Doctor of Chiropractic degree from Palmer College of Chiropractic in 1988. His use of “doctor” or “Dr.” in relation to himself solely refers to that degree. Dr. Berg is a licensed chiropractor in Virginia, California, and Louisiana, but he no longer practices chiropractic in any state and does not see patients, so he can focus on educating people as a full-time activity, yet he maintains an active license. This video is for general informational purposes only. It should not be used to self-diagnose, and it is not a substitute for a medical exam, cure, treatment, diagnosis, prescription, or recommendation. It does not create a doctor-patient relationship between Dr. Berg and you. You should not make any change in your health regimen or diet before first consulting a physician and obtaining a medical exam, diagnosis, and recommendation. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition.

This week primary care physicians Kate Rowland, Mark Ebell, Gary Ferenchick and Henry Barry tackle 4 new POEM-worthy studies: new therapy for elevated triglycerides, cannabinoids for chronic pain in adults, the best antithrombotic for patients with AF + drug eluting cardiac stent, and lower versus standard LDL targets for patients with heart diseaseEssential Evidence Plus: https://www.essentialevidenceplus.com/ Lower triglycerides: https://pubmed.ncbi.nlm.nih.gov/41211918/Cannabinoids for pain: https://pubmed.ncbi.nlm.nih.gov/41429020/ Antithrombotics for AF + stent: https://pubmed.ncbi.nlm.nih.gov/41211917/ LDL target 55 vs 70 for CAD: https://pubmed.ncbi.nlm.nih.gov/41910315/

From brain fog to identity crises to complicated feelings of guilt (or relief), returning to work as a new parent can be daunting. Luckily, you don't need to navigate this transition alone. Life Kit reporter Andee Tagle talks to working parents and experts about how to balance a job, parenting and being a person all at once.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitTo manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

From brain fog to identity crises to complicated feelings of guilt (or relief), returning to work as a new parent can be daunting. Luckily, you don't need to navigate this transition alone. Life Kit reporter Andee Tagle talks to working parents and experts about how to balance a job, parenting and being a person all at once.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Life doesn't slow down. Between the daily inconveniences and the hard, unexpected stuff — relationship struggles, loss, disappointments — our bodies are constantly being asked to manage more. One of the reasons Jess has such deep reverence for nutrition is its power to set us up biologically, so when life gets hard, our bodies have something to stand on. Because health isn't just physical. It's mental, social, spiritual, and biological — and if we can shore up the biological piece, we give ourselves a real fighting chance with the rest. In this episode, Jess breaks down: A fascinating gut mechanism that most people have never heard of — and how it directly impacts your mood, energy, and mental wellbeing when your nervous system is in overdrive. The science (made simple): Tryptophan is an amino acid your body uses to make serotonin. But under chronic stress, inflammation, or fight-or-flight, an enzyme called IDO activates and diverts tryptophan away from serotonin production — toward a compound called kynurenine (KIN-yoo-reh-neen). This is your body's survival response. But the cost? Lower serotonin availability, and with it, low mood, anxiety, and fatigue. Your body is literally stealing from your serotonin supply to deal with stress. The nutrition connection: When we're stressed, we're also usually not eating the foods that support this pathway — and that's the double hit. Chronic stress depletes the very micronutrients your body needs to produce serotonin in the first place: B6 — required to convert tryptophan into serotonin Magnesium — supports serotonin synthesis AND calms the HPA axis Zinc — activates the enzyme that kicks off serotonin production Iron — works alongside zinc in that same enzyme pathway (especially important for women) Vitamin D — regulates the genes involved in serotonin synthesis upstream What this looks like in practice: Jess shares how she works with clients to assess their nutrition rhythms, run functional labs and GI-MAP testing, and identify where the raw materials for serotonin production may be missing — so that nourishment becomes intentional, not reactive. Grab the Eat To Energize Freebie HERE! 

What if the key to lowering your cancer risk isn't found in a breakthrough drug, but in the daily habits you practice? After watching his mom battle cancer, Dr. Josh Axe shares a powerful, science backed framework for building a body that's far less hospitable to disease. In this episode, he walks through 15 proven strategies: from balancing blood sugar to strengthening your immune system, to help you take control of your long term health.  As mentioned in this episode… Episode on insulin resistance →  https://www.youtube.com/watch?v=CisGqhRrErY Episode on How to 10x your sleep → https://www.youtube.com/watch?v=1iRsdk_zxk0 Episode with Dr. Pete Sulack  https://youtu.be/JHj0RhXGFZs?si=cPQL1WT6kJLGnk-q Episode with Guest Courtney Swan →  https://youtu.be/725lKq58Hac Thank you to our sponsors! Sunlighten Sauna: https://get.sunlighten.com/axepodcast Manukora Manuka Honey: https://manukora.com/axeCaraway Home: carawayhome.com/drjoshaxe (Use code DRJOSHAXE) for an exclusive discount Watch The Dr. Josh Axe Show every Monday & Thursday on YouTube: https://www.youtube.com/@drjoshaxe?sub_confirmation=1 

PREVIEW FOR LATER TODAY. GUEST. Lance Gatling details how Japan is managing the Strait of Hormuz crisis by providing direct petroleum subsidies and tapping into its massive national reserves to lower high gasoline prices today.1930 TOKYO 

1. Trump’s National Address on Iran Trump reiterates that preventing Iran from obtaining nuclear weapons has been his position since 2015 and frames current military action as the fulfillment of long‑standing commitments. The address emphasizes: Short‑term, intense military action (“weeks, not months or years”). Severe degradation of Iran’s military capabilities (navy destroyed, air force crippled, missile and drone capacity reduced). Justification for action based on Iran’s rapid missile production, terrorism sponsorship, and threats to the U.S. and allies. The speakers argue that Iran is currently weaker than ever and that acting now avoids greater future casualties. 2. Republican Debate and Public Support There is NO “civil war” among Republicans over Iran, citing polling they claim shows overwhelming GOP support. Critics—especially conservative podcasters opposing intervention—are labeled as marginal and unrepresentative. Trump is framed as consistent rather than opportunistic in his Iran policy. 3. Pam Bondi’s Departure as Attorney General Pam Bondi’s removal as Attorney General is presented as a routine cabinet change rather than a scandal. She is praised for: Crime reduction Gang and cartel enforcement Terrorism prosecutions Lower murder and overdose rates The discussion emphasizes the difficulty of leading DOJ and frames her tenure as honorable and successful. Todd Blanche is named acting Attorney General, with Lee Zeldin mentioned as a possible permanent successor. 4. Department of Justice Leadership Context The DOJ is uniquely challenging due to entrenched bureaucracy (“deep state”). Past Attorneys General argue that conflict and burnout are common in the role. Ted Cruz reflects personally on why he chose to remain in the Senate rather than pursue the AG position. 5. ActBlue Investigation and Legal Risk The most consequential domestic political issue discussed is a New York Times report on ActBlue. According to the transcript: ActBlue may have misled Congress about how it vetted donations for foreign money. Internal legal memos warn of potential criminal liability, including “knowing and willful” violations. Several senior ActBlue officials reportedly resigned following the revelation. A DOJ investigation could: Shut down ActBlue entirely Severely weaken Democratic fundraising before midterm elections ActBlue’s central role in Democratic campaigns and the scale of money involved (billions of dollars) is noted Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.