Podcasts about Lower

Credits: 0.25 AMA PRA Category 1 Credit™   CME/CE Information and Claim Credit: https://www.pri-med.com/online-education/podcast/frankly-speaking-cme-503 Overview: In this episode, we discuss how prescribing “food as medicine” can complement hypertension management in primary care. We review the evidence supporting legumes, soy, and DASH-based nutrition for lowering blood pressure, while providing practical counseling strategies to help patients adopt dietary patterns that enhance cardiovascular health alongside standard medical therapy. Episode resource links: Metoudi M, et al. bmjnph 2026;0:e001449. doi:10.1136/bmjnph-2025-001449 Brindal E, Baird D. Regular Flatulence Patterns Among Community-Dwelling Individuals in Australia. JAMA Netw Open. 2026;9(5):e2615637. doi:10.1001/jamanetworkopen.2026.15637 DASH - DASH Eating Plan | NHLBI, NIH Guest: Robert A. Baldor MD, FAAFP Music Credit: Matthew Bugos Thoughts? Suggestions? Email us at FranklySpeaking@pri-med.com  The views expressed in this podcast are those of Dr. Domino and his guests and do not necessarily reflect the views of Pri-Med.

#267What if the last five minutes of your class could be just as intentional as the first five? Too often, the end of a lesson becomes a race to the bell—packing up, assigning homework, answering last-minute questions, and trying to squeeze in one more thing. But a strong ending can do much more than close the lesson. In this episode, we'll explore simple end-of-class routines that reinforce proficiency, give students a final opportunity to communicate, and help you end every lesson with purpose. Topics in this Episode: For many of us, the end of class feels reactive rather than intentional. But what if those last five minutes could be valuable parts of the lesson?Instead of thinking about the end of class as cleanup time, let's think about it as consolidation time.An effective closing routine should: Help students reflect. Provide one final opportunity to use language. Lower stress rather than create another quiz. Help the teacher gather evidence of learning. Prepare students for the next lesson.Routines for strong end to class: One more conversation, Can-Do reflexion, Exit Ticket with purpose, Looking aheadNone of them are busywork.Every one gives students another meaningful interaction with language.Common mistakes to avoidAction stepsQuick Win Courses That Support Routines in the Language Classroom:Daily Strategies That Build Comprehension No-Prep Speaking or Writing Tasks Participation That Works for All Students A Few Ways We Can Work Together:Ready For Tomorrow Quick Win PD for Individual TeachersOn-Site or Virtual Workshops for Language DepartmentsSelf-Paced Program for For Language DepartmentsConnect With Me & The World Language Classroom Community:Website: wlclassrom.comInstagram:  @wlclassroomFacebook Group: World Language ClassroomFacebook:  /wlclassroomLinkedIn: Joshua CabralBluesky: /wlclassroom.bsky.sociaX (Twitter):  @wlclassroomThreads: @wlclassroomSend me a text and let me know your thoughts on this episode or the podcast.

Does the pill lower ovarian reserve? In this episode, Lisa examines a recent clinical commentary on how hormonal contraceptives suppress AMH and antral follicle count (AFC), and why ovarian reserve testing can be misleading for women who have recently stopped birth control. She discusses the 6 to 12 month recovery timeline, the well-documented period of post-pill subfertility, and why these markers are better predictors of IVF response than natural fertility. Lisa also shares two case studies that highlight the risks of premature diagnosis and explores how fertility awareness charting can support women through the post-pill transition. Follow this link to view the full show notes page! This episode is sponsored by Lisa's new book, Real Food for Fertility, co-authored with Lily Nichols! Grab your copy here!

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Send us a text if you want to be on the Podcast & explain why!Programming gets easier the moment the lower body stops feeling like a blur of Latin words. We walk you through the exact muscle groups you need for the SUF CPT and make them stick with clear landmarks, real coaching cues, and a few memory tricks you will actually remember under pressure. If you have ever mixed up tendons vs ligaments, forgotten where the hamstrings sit behind the knee, or wondered why a seated calf raise feels different than standing, you are in the right place. We start with the quadriceps, including why rectus femoris is different from the vastus muscles and how the patella, quad tendon, and patellar ligament connect the story. Then we flip to the posterior chain and make the hamstrings practical: how to identify the medial “two guitar strings,” where biceps femoris shows up laterally, and how foot rotation can bias what you feel during a leg curl. We also cover the adductors (longus, magnus, brevis) with an easy size-based naming framework, plus why adductor magnus earns its reputation as a powerhouse. From there we hit the glutes with a fiber-focused view of gluteus maximus, gluteus medius, and gluteus minimus, including why pronunciation matters for the exam and for sounding like a confident coach. We close with the lower leg: gastrocnemius vs soleus, peroneals vs fibularis terminology, and the BLT mnemonic for brevis, longus, tertius. If you want better personal training anatomy, smarter lower body exercise selection, and stronger coaching confidence, press play, subscribe, share this with a training buddy, and leave a review with the muscle group you are mastering next.Want to become a SUCCESSFUL personal trainer? SUF-CPT is the FASTEST growing personal training certification in the world!Want to ask us a question?  Email info@showupfitness.com with the subject line PODCAST QUESTION to get your question answered live on the show!Website: https://www.showupfitness.com/Become a Successful Personal Trainer Book Vol. 2 (Amazon): https://a.co/d/1aoRnqANASM / ACE / ISSA study guide: https://www.showupfitness.com

What if the biggest impact of AI in construction isn't cutting costs or headcount, but raising the standard of what clients expect?In this September takeover episode of KP Unpacked, guest host Tyler Sellhorn sits down with Brad Hargreaves, co-founder of General Assembly and Common, and founder of Thesis Driven, a newsletter reaching the investors, developers, and operators building American cities. Brad's take on AI in AEC cuts through the noise: the tools getting real enterprise adoption aren't the ones generating plans. They're the ones checking them. Validating them against code. Catching conflicts before they become change orders. And once clients know that capability exists, the question stops being "did you use AI?" and starts being "why didn't AI catch this?"The conversation covers where AI savings are actually showing up in multifamily operations (hint: it's collections and renewal optimization, not headcount cuts), why the unified data layer is still largely unsolved, why feedback loops at project close are the most underutilized AI opportunity in construction, and why no amount of automated conflict checking can replace the human layer of project alignment. Technology is the augmentation. Teamwork is still the unlock.Key questions answered:Why are plan checking tools getting enterprise adoption before plan generation tools?What does "why didn't AI catch this?" mean for client expectations going forward?Where are AI savings actually showing up in multifamily operations?Why was everyone's prediction about AI headcount cuts mostly wrong?What is a positive error rate and why do different firms come to different conclusions?How are tools like Trunk Tools, OpenSpace, and Alice Technologies connecting the dots across trades?Why is the unified data layer still largely unsolved across design and construction teams?Why are feedback loops at project close the most underutilized AI opportunity?What does Brad mean when he says AI can't replace the human layer?How does optimizing the worker's path generate savings without eliminating the worker?What's the difference between AI as efficiency gain versus AI as quality bar raiser?How does Thesis Driven think about second and third order effects of AI in AEC?If you're in AEC wondering where AI is actually generating value versus where it was overhyped, a developer trying to understand what's coming next in multifamily operations, or building tools for the construction industry and trying to figure out what gets enterprise adoption, this episode will show you why the savings showed up exactly where nobody predicted.Listen now.Catch Brad live at AEC Summit on October 19th at The Weylin in Brooklyn.

Get 20% off your first 3 months of the app, Pocket Fluent American! Be among the first 20 people to get the app here: https://studio.com/fluent/pocket?c=eK5QiRlbFree audio/mp3 version of this video: www.fluentamerican.com/podcastWelcome to the Schwa Mill, where we review pronunciation files you send us and give feedback to help you achieve a more natural American English sound the next time you talk!Send us audio files for FREE here in our Schwa Mill Telegram group: https://t.me/+TJTAfM5tEyQ1ODMx************Have you ever thought about speaking American English like a native speaker, especially for accent/pronunciation? As a language learner myself, I get the desire to sound more natural in a language I've learned, and I'm sorry if the language learning journey has ever been discouraging. I believe the sound you want is in reach though! Here is one small step to make to move you closer to your goal.Who am I? My name is Geoff Anderson. I got my MA in Teaching English as a Second Language in 2012, and have been teaching since 2010. I've studied Italian to around level C1-C2. I was also an IELTS examiner for the speaking/writing tests for 3 years.#fluentamerican #americanenglish #pronunciation

Meet Noah: The AI Robot Delivering Your Next Meal w/ Steve Burns of NoTip - AZ TRT S07 EP15 (297) 9-13-2026       What We Learned This Week Food delivery may be ready for a robotics makeover. NoTip is testing a model where an EV gets the food close to the customer's home and an autonomous robot completes the final delivery. The expensive part of a delivery isn't necessarily the food—it's the last mile. Restaurants and consumers can face significant costs from today's delivery model. NoTip is trying to use automation and EVs to change that equation. Physical AI is moving into the real world. LiDAR, cameras, GPS, sonar and RTK positioning allow robots to understand and navigate physical environments—not just digital ones. The EV revolution isn't just about cars. Purpose-built electric vehicles can be dramatically smaller and lighter than conventional cars, potentially changing the economics of businesses that operate fleets all day. The future of autonomous delivery may involve two vehicles—not one. The delivery vehicle gets the order to the neighborhood, while a smaller robot handles the final few yards to the front door. That combination could allow companies to rethink how the entire delivery process works.     Guest: Steve Burns — Founder, NoTip Stephen S. Burns is a serial entrepreneur and technology executive with more than three decades of experience building disruptive companies across automotive, electric vehicles, telecommunications, and software. He is the founder of Lordstown Motors, where he served as Chairman and CEO, leading the acquisition and transformation of the former General Motors Lordstown Assembly Plant into an electric vehicle manufacturing facility. He also founded Workhorse Group (NASDAQ: WKHS), an early pioneer in commercial electric vehicles and last-mile delivery technology, helping lay the foundation for today's commercial EV market. Prior to his work in electric mobility, Burns founded Mobile Voice Control, a pioneering speech recognition software company for smartphones that was acquired by Nuance Communications. Throughout his career, he has successfully founded, scaled, and exited multiple technology ventures, commercializing innovative products that have advanced mobile communications, enterprise software, and transportation technologies. He is widely recognized for identifying emerging technologies and transforming them into industry-leading businesses.     Company: NoTip Location: Mason, Ohio, outside Cincinnati Industry: Autonomous vehicles / Physical AI / Food delivery / EV technology https://notip.ai/index/home   NoTip is transforming food delivery in Mason, Ohio NoTip is redefining food delivery in Mason Ohio. We operate as a 3rd party delivery platform. We feature local restaurants on our platform and then use electric vehicles driven by our uniformed team members combined with and our specially designed robots to pick up your food and deliver it to your doorstep.  This approach enables dramatically lower costs, faster service, and greater reliability- while removing common pain points like tipping, hidden fees, food markups, and concerns around strangers on your doorstep.  Simple, Sleek, Easy-To-Use App Order your favorite food in seconds with NoTip's powerful, east-to-use app. Order from your favorite local restaurants and track your delivery in real time as our uniformed team member and advanced robotic system brings your food directly to your doorstep. No tipping, no food mark-ups—just seamless, reliable delivery at the tap of a button. Download the NoTip app today and experience the future of food delivery.     Segment 1 — Meet Noah: The Robot Changing Food Delivery Steve Burns introduces NoTip, a new autonomous food-delivery company operating out of Mason, Ohio. The company has spent approximately four years in stealth mode developing its technology. NoTip officially went live in the summer of 2026. The company's technology centers around Noah, an autonomous delivery robot built in-house. Noah is an example of what Steve describes as Physical AI—AI that doesn't just exist in software but interacts with the physical world. The company is essentially taking on the traditional food-delivery model represented by companies such as DoorDash and Uber Eats. Customers order through an app and pay before the delivery. Instead of a gig worker delivering the order, NoTip uses autonomous vehicles and robots. The initial focus is suburban food delivery. The basic proposition is simple: people are willing to pay for convenience. Steve uses Uber as an example of how consumers have demonstrated that they'll pay for convenience when the service solves a problem. NoTip's future delivery system combines: An autonomous EV Noah, the smaller autonomous robot The robot carrying the food from the vehicle to the customer's home The delivery vehicle can deploy the robot using a ramp. Noah uses a combination of: LiDAR Sonar GPS Cameras Mapping technology The robot has gone through thousands of modifications and improvements during development. Current testing includes a safety driver behind the wheel who can take over and make the delivery if the autonomous system encounters a problem. The Technology Business Steve points out the enormous valuations attached to technology-driven companies. DoorDash has reached a market capitalization far larger than many traditional vehicle manufacturers. His larger point: the software and technology layer can be more valuable than the physical vehicle itself. NoTip's concept is designed to be easy for consumers to understand: The delivery vehicle comes to your neighborhood. A small robot gets out. The robot takes your food to the door. Steve compares the concept to the familiar infrastructure of a UPS delivery fleet—but with autonomous technology replacing much of the human delivery process. Why Does Food Delivery Cost So Much? The NoTip Model NoTip plans to charge a flat $6 delivery fee. Traditional food-delivery services can charge restaurants significant fees, sometimes approaching 30%, depending on the arrangement. Those costs can ultimately be reflected in higher menu prices and delivery costs for consumers. Steve believes the current food-delivery model has become too expensive for restaurants, consumers and other participants in the food ecosystem. Automation could potentially change the economics of last-mile delivery. EV Economics Electric vehicles have substantially lower energy costs than gasoline-powered vehicles. Lower operating costs become particularly important in a delivery business where vehicles may operate for many hours every day. Amazon has already demonstrated the use of electric delivery vans through its Rivian fleet. NoTip is looking beyond conventional delivery vans toward smaller, purpose-built EVs. The Future NoTip Vehicle Steve envisions a future NoTip delivery vehicle that could be a three-wheel EV, more similar to a large motorcycle than a traditional automobile. The goal is to make the vehicle: Lightweight Efficient Less expensive to operate Purpose-built for delivery A lighter vehicle requires less energy to move, potentially helping reduce operating costs. Why Automation Could Matter Steve discusses some of the challenges and safety concerns associated with the current gig-worker delivery model. NoTip's objective is to create a delivery system that emphasizes consistency, safety and efficiency. The technology isn't simply about eliminating a driver—it is about redesigning the entire last-mile delivery process. Segment 2 — From EVs to Robots Steve Burns' EV Background Steve brings significant experience from the electric-vehicle industry. His background includes work with companies such as: Workhorse Lordstown Motors His experience gives him an understanding of: EV development Manufacturing Supply chains Automotive regulations Vehicle technology The challenges of bringing new transportation technology to market Lordstown Motors Steve discusses the bankruptcy of Lordstown Motors. He subsequently acquired intellectual property and physical assets from the company. That included EV-related assets and vehicles that could be useful in developing future technology. NoTip's Current Vehicles The company is experimenting with multiple prototype configurations. Some of the current vehicles are modified BMW i3s. These conventional vehicles weigh roughly 2,000 pounds. Steve discusses future vehicles that could be much lighter. One concept is approximately 1,500 pounds, including the battery. The battery system is designed to provide roughly 10 hours of operating time. Building the Robot Noah has gone through multiple prototype versions. The team has learned from putting the robots into real-world environments. One of the challenges is that a robot can't assume every customer's property looks the same. It needs to navigate things such as: Rakes Landscaping Driveways Sidewalks Other obstacles The robot can also be modified for different environments, including the use of snow tires for winter conditions. The Technology Behind Noah Noah combines several technologies to understand its environment. Sensors LiDAR Sonar Cameras GPS Optical sensors The vehicle and robot use these systems to understand and map their surroundings. RTK — Real-Time Kinematic Positioning Steve discusses RTK, or Real-Time Kinematic positioning. The technology can dramatically improve location accuracy and allow the system to map an area with extremely high precision—down to approximately the centimeter level under suitable conditions. That matters when a robot needs to know: "Exactly where am I on this property?" rather than simply: "I'm somewhere near this address." A Bigger Robotics Trend Steve points out that similar technology is being used in other industries. One example is autonomous robotic lawnmowers. As sensors, computing power and other components become less expensive, technologies that once required expensive R&D can become commercially practical. NoTip is essentially applying some of those technologies to food delivery. Segment 3 - How Does an Autonomous Delivery Actually Work? Getting to the House Google Maps can be used to determine the vehicle's driving route. The vehicle handles the trip from the restaurant to the customer's neighborhood. The robot then handles the final portion of the delivery on the customer's property. Current Regulatory Approach During the current testing phase, there is still a driver behind the wheel of the autonomous vehicle. This allows NoTip to operate within the existing regulatory framework while testing its autonomous technology. The robot itself operates on the customer's property after receiving permission. Customer Permission Customers agree to allow the robot onto their property through the NoTip app. The system can collect information such as: Email address Phone number Property permission This creates a defined interaction between the customer and the autonomous delivery system. What's Next for NoTip? NoTip is currently testing and refining its technology. The company expects to continue improving both the robot and the vehicle platform. Future plans include: Additional cities Purpose-built EVs More autonomous robots Expanded manufacturing capabilities Steve discusses eventually building a 22,000-square-foot facility for manufacturing and development. That facility could support production of the company's three-wheel EV and robotic delivery systems. Phoenix is one city Steve has identified as a potential future market. NoTip expects to announce its next city in fall 2026. The Bigger Idea The roads and delivery infrastructure already exist. Consumers already: Order food through apps Pay electronically Expect delivery Pay for convenience The question becomes: Can technology make the last mile faster, safer and less expensive? That's the problem NoTip is trying to solve.         Tech Topic: https://brt-show.libsyn.com/category/Tech-Startup-VC-Cybersecurity-Energy-Science  Best of Tech: https://brt-show.libsyn.com/size/5/?search=best+of+tech   'Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ 'Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/  

Research suggests that spending more time in bright daytime light was linked to a lower risk of developing dementia, with measurable brightness targets that are often reached outdoors. However, the researchers caution these thresholds may not transfer directly to other populations In the study's machine-learning analysis, bright daytime light ranked as a stronger predictor of future dementia risk than several familiar factors, including alcohol consumption, obesity, hearing loss, and traumatic brain injury The strongest association between brighter daytime light and lower dementia risk was found in people already at higher risk, including those with an evening chronotype and people who carry the APOE4 gene variant Research suggests sunlight supports your body in ways that extend beyond vitamin D, influencing compounds involved in circulation, mood, sleep, immune function, and your body's natural daily rhythm Building simple habits such as spending time outdoors in the morning, taking daylight breaks during the day, and reducing dependence on dim indoor lighting may be a practical way to support long-term brain health

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What do you do when bookings feel a little slower and you start questioning your pricing? In the first episode of Walk It Out, I'm taking you with me on a walk while I work through something I've been wrestling with in my own business: whether there are times when it makes sense to lower my price to get the right booking. I talk about where my 2027 bookings currently stand, a recent Lake Como inquiry that made me question my approach, and a $5K destination wedding I took years ago that ultimately led to a $30K booking. This isn't a polished lesson or a step-by-step strategy. It's me thinking out loud about pricing, momentum, dream clients, imposter syndrome, and the reality that business doesn't always move up and to the right. Walk It Out is a new Shifting Focus series of shorter, less-produced episodes recorded while I'm out walking. Real thoughts. Further clarity. New episodes Thursdays.

A reader wrote in with a blunt question: when a husband says he is the one who wants sex less, can you legitimately suspect he is covering for a porn habit? Check out the blog post here for the charts, the sources and the full argument. I have been answering a version of this for years, and I have generally said that a quarter to a third of marriages have the wife as the higher-drive spouse. This time I went and checked it against our own survey archive rather than repeating it. The number holds up, and what I can now tell you is exactly which marriages it describes. Across all marriages it is about one in five. Among couples who are genuinely mismatched it is closer to one in four. An independent analysis of a representative Australian study lands at 26% to 31% of couples with a large gap, which is the one-third figure. So depending on the question you are asking, it is somewhere between a fifth and a third. The stranger finding is how invisible these men are. Two in five wives say they are the higher-drive spouse. One husband in twenty-five says the same about his marriage. Same marriages, described from opposite sides. In the one survey built to study this directly, eleven hundred husbands rated both drives, forty said their wife was higher, and fourteen of those wrote anything at all in the comment boxes. That is the entire archive of these men speaking for themselves. And when you stop asking for an adjective and start asking about frequency, the label falls apart. The median lower-drive husband wants sex about once a week, and among the men answering for themselves it is twice a week. That is more than the median lower-drive wife wants. He is not low drive. He is out-driven. On the porn question, the base rate settles it: porn history is close to universal among husbands in our data, so finding it in a lower-drive husband tells you nearly nothing about why his desire is low. A test that comes back positive for almost everyone is not a test. Then the second half, which is the part I care most about: if he does have the lower drive, should he still be leading in the bedroom? Yes to initiating, no to leading it. The one with the desire should carry that part of the marriage, whether that is the husband or the wife, and the other should actually follow. I talk through what that means if you hold a complementarian view, why handing the department over is not the same as handing over responsibility, and the thing underneath all of it that no amount of logistics will solve. In this episode: (0:27) The question (1:34) How common is it, actually (3:03) One in five, one in four, one in three (4:48) Why lower drive men seem like a myth (6:56) Lower desire is a comparison, not a diagnosis (9:09) Is he hiding a porn habit? (10:55) What actually causes it instead (12:50) Should he be initiating anyway? (16:46) Who should lead, and headship (19:55) The part that doesn't resolve (20:22) What the romance novel is really selling (23:36) Christ didn't want to either (26:22) So, to answer the question Links mentioned in this episode: Why lower-drive spouses should initiate sex Sex drive differences aren't the problem What does biblical leadership look like in a marriage? Why does my wife refuse intimacy beyond the basics? Desire vs. willingness Being more skilled at rejection Take part in the Marriage Study Join our supporter forum Send me your question Book a discovery call

fall officially hits in a few days, and I'm SO ready for all the cozy, comforting, autumnal recipesESPECIALLY because i'll be making Blush Kitchen-coded recipes that are surprisingly light, loaded with fiber and protein, and STILL FEEL COMFORTING AND COZYbc we shouldn't have to choose between comfort food & meeting our wellness goalswe're making:-a pumpkin spice frappe-a vegan & high fiber take on chicken noodle soup-apple cranberry ricepaper mochiI think you'll love these recipes!ingredients & other links: https://shopmy.us/shop/collections/7689718

On this week's episode,Kiaun will discuss a Game Cube classic could be getting a remaster, people are walking away from the big 3's subscription services,a new Starcraft is in the works and big changes could be coming to Gamepass. Be a part of the conversation by calling in at 667-284-9057. Or Email us at theanalogcirclepodcast@gmail.com

CNBC Business News Update with Jessica Ettinger - Markets & Business News With Expert Analysis From Top Business Names. Visit CNBC.com For More. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Should You Invest in Vancouver, Montreal or Laval? Plus the 2 Numbers Wayne Uses to Analyze Deals Can you find a good rental property in Montreal or Laval? Should you invest in Vancouver? What numbers actually matter when analyzing a rental property? And if you already bought a bad deal, should you hold it and hope it recovers, or sell it and move on? Today's episode of the Canadian Real Estate Investing Morning Show is another investor Q&A covering exactly those questions. Wayne and Gabby break down how to evaluate a market, how borrowed down-payment funds affect cash flow, why Wayne would personally avoid certain provinces even when the numbers appear to work, and the two metrics he actually uses to compare real estate deals. The main message: Don't force a market to work. Find the market, property type and deal that actually fit your investment criteria. Can You Cash Flow in Montreal or Laval? A listener from Laval, Quebec asks whether it is realistic to find a property in Laval or Montreal that meets Wayne's cash-flow criteria. Wayne says it may be possible. But instead of starting with one predetermined property type, investors should study the entire market. Look at: Apartment condos Townhouse condos Duplexes Single-family houses Houses with secondary suites Small multifamily Larger multifamily Then compare purchase prices across different neighbourhoods with the rents those properties can realistically achieve. The goal is to become a master of the market. You need to know: What different property types cost. What different neighbourhoods cost. What tenants will pay. What areas attract stronger tenants. Which property types produce the best rent-to-price relationship. Only then can you determine which opportunities deserve deeper investigation. Don't Start With the Strategy and Force the Market The listener specifically mentions wanting to purchase a plex. Wayne's approach would be slightly different. Instead of deciding: "I want to buy a plex." Start with: "Which asset type in this city produces the best combination of cash flow, tenant profile, risk and long-term potential?" Maybe that is a plex. Maybe it is a townhouse. Maybe it is a suited house. Maybe it is something completely different. Do not force the property type. Follow the numbers. Borrowing Your Down Payment From Home Equity The listener is also considering borrowing against their existing home to fund the down payment. Wayne likes the concept of taking otherwise unused equity and redeploying it into another productive asset. But there is an obvious trade-off. Borrowing the down payment creates additional debt. Additional debt means additional monthly interest. That increases the risk. If the investment property itself produces $500 per month in cash flow but the borrowed down payment costs $300 per month to service, the investor's actual financial position is very different. That needs to be considered. Look at the Entire Portfolio When investors use equity from one property to fund another, Wayne sometimes prefers looking at the cash flow of the entire portfolio instead of judging only the new property in isolation. Maybe one property produces excellent cash flow. Another is tighter. Together, the portfolio may still be healthy. The question becomes: Does the entire portfolio still pass the cash-flow test and remain resilient? Borrowing money to scale increases potential profits. But it also increases risk. The goal is finding the right balance. Borrowed Investment Funds May Be Tax Deductible Gabby also points out an important tax consideration. When money is borrowed and used for qualifying investment purposes, the interest may be deductible. That can reduce the true after-tax cost of the borrowed funds. Investors should confirm the exact treatment with a qualified accountant based on their specific circumstances. Why Wayne Still Wouldn't Choose Quebec This is where Wayne's answer changes. Could somebody potentially find a property in Quebec that produces good cash flow? Yes. Would Wayne personally want to operate his rental-property business there? No. The issue is the landlord and tenant laws. Wayne views real estate as a business. And if the jurisdiction makes it unnecessarily difficult to operate that business, enforce agreements or manage risk, that becomes a major negative. Even if the numbers work. For Wayne, that can be enough to eliminate the market. A Great Deal in the Wrong Province Can Still Be the Wrong Deal Wayne compares Quebec with other provinces where investors have historically found strong deals. The purchase price might work. The rent might work. The appreciation potential might work. But if the operating environment creates significantly more landlord risk, the deal becomes less attractive. Wayne would rather invest in a market where: The property works. The cash flow works. The tenant profile works. The long-term fundamentals work. And the laws support the operation of the business. Wayne's "Ice Age" Theory Wayne again discusses the idea of real estate markets entering an "ice age." A market can become temporarily unattractive when prices rise faster than rents and household affordability. That does not mean the city is permanently bad. It means investors may need to wait. Calgary is one market Wayne currently describes this way. He believes Edmonton will eventually reach a similar stage. When that happens, he will look for the next market where the fundamentals work better. What Numbers Should Investors Actually Follow? Another listener asks which indicators they should use when analyzing deals. They currently look at: Cap rate Cash flow ROI DSCR The 1% rule Other rules of thumb Wayne simplifies it dramatically. He primarily focuses on two things: Return on Investment and The 5% Rule™ Cash Flow Test That is it. Metric #1: Return on Investment ROI tells Wayne how profitable the investment is. It allows him to compare completely different properties using one common measure. A townhouse. A suited house. A multifamily building. A condo. A garden-suite development. Whatever the property type, the question is: For every dollar I invest, how much profit am I receiving back? Wayne looks at total profits from: Cash flow Mortgage principal paydown Appreciation Then compares those profits with the initial investment. He generally prefers looking over longer holding periods rather than focusing only on year-one returns. Real estate is a long-term investment. Metric #2: The 5% Rule™ Cash Flow Test Profitability is only half the equation. The other half is risk. Wayne uses cash flow as his primary risk measure. The more cash flow a property produces, the greater its ability to absorb: Lower rents Higher mortgage payments Repairs Vacancy Increasing expenses Unexpected economic changes Imagine one property produces $500 per month. Rent falls by $200. You still have $300. Another property produces only $100. Rent falls by $200. Now you are losing money. Multiply that across a 20-property portfolio and suddenly a small monthly problem becomes a very large one. That is why Wayne created the 5% Rule. Profitability + Risk Wayne's approach is to balance: ROI = profitability with Cash flow = risk protection A property can have an incredible projected return but still be dangerously fragile. Another property can be extremely safe but produce disappointing returns. The goal is finding investments that score well in both areas. Wayne Doesn't Use the 1% Rule Wayne considers rules such as the 1% rule outdated and overly simplistic. The bigger question is: Why 1%? What exactly is it measuring? Profitability? Risk? Financing? There is often no clear reasoning behind the number. Wayne prefers metrics where he understands exactly what they are measuring and why they matter. A Listener Bought a Vancouver Condo and Regrets It Another listener writes in after purchasing a condo in the Greater Vancouver area. They say the property is losing several hundred dollars every month. They relied heavily on their realtor. They did not educate themselves first. And after finding the Morning Show, they realized they had done exactly what Wayne warns investors not to do. Their questions: Should they continue investing in Vancouver? Should they invest somewhere else? And how do they get out of the condo? Would Wayne Invest in Vancouver? Wayne's answer: No. He does not believe Vancouver currently fits the five fundamentals he uses when selecting markets and investments. His issue is not whether Vancouver real estate can appreciate. It obviously can. His problem is that Wayne does not buy properties primarily to speculate on appreciation. He wants to purchase a profitable rental business. If the rent cannot pay the operating costs and produce sufficient cash flow, he is not interested. Appreciation Is Not Enough Someone can buy a Vancouver condo and hope it goes up in value. That is a strategy. It is simply not Wayne's strategy. Wayne wants: Positive cash flow Mortgage paydown Long-term appreciation potential A strong tenant profile A supportive operating environment The property needs to make sense without requiring appreciation to rescue the investment. Should You Invest Outside Your Home City? Yes. Wayne believes investors should go where the fundamentals work. You do not need to live in the same city as your rental property. Wayne and Gabby already manage properties they rarely or never physically visit. The solution is building: The right team Communication systems Maintenance systems Inspection systems Contractor relationships Documentation systems Location matters far less once the management system works. How Do You Get Out of a Bad Vancouver Condo? Wayne's first answer is straightforward: Talk to your realtor and understand what the property can realistically sell for. Then calculate: Mortgage penalty Realtor fees Legal fees Current market value Remaining mortgage Potential loss Tax implications Net proceeds Then determine whether continuing to hold the property actually improves the situation. Wayne warns against holding a bad investment indefinitely simply because you want to "break even." Sometimes the best decision is to accept the loss, learn from it and redeploy the remaining capital into a better opportunity. Don't Make the Next Decision Based on the Last Mistake A bad deal does not mean real estate investing does not work. It means that particular deal did not work. The most important thing is learning from it. Get educated. Understand the market. Understand the numbers. Create proper criteria. Then try again with a stronger foundation. Ghost Listings for Rental Research Another viewer asks about posting a rental listing before the property is actually available to test the market rent. Wayne explains that investors sometimes use "ghost listings" to gauge demand at a particular price. But Gabby raises an important concern. If tenants currently occupy the property, posting their home for rent before it is actually available can create unnecessary problems. There is also a timing issue. If you post the listing in September to determine what rent you can get in December, you are collecting September data. Rental markets are seasonal. The information may not accurately reflect what tenants will pay months later. Ask the Right Professional Wayne closes the discussion with another important principle: Use professionals for what they actually specialize in. A realtor brokers real estate transactions. A mortgage broker arranges financing. A lawyer provides legal guidance. A contractor performs construction. That does not automatically make any of them qualified to provide investment strategy. Build a team of strong professionals. But remain the CEO of your own real estate business. Remote Property Management Course – 50% Off This Week Gabby's Remote Property Management Course is currently 50% off. The eight-module course teaches the systems Wayne and Gabby use to remotely manage their own rental portfolio. Use code: 50OFF at: www.reimasters.ca Edmonton Real Estate Investing Course Want to learn Edmonton neighbourhoods, property types, tenant profiles and investment opportunities? The Edmonton Real Estate Investing Course is available at: www.reimasters.ca REI Masters Mentorship Work directly with Wayne and Gabby on market selection, acquisitions, deal analysis, financing, property management, joint ventures and building a profitable Canadian real estate portfolio. www.reimasters.ca The 5% Rule™ Learn Wayne Hillier's cash-flow framework for Canadian rental properties. Search: The 5% Rule by Wayne Hillier on Amazon. Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions: info@reimorningshow.com Upcoming Event REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

We've all been guilty of moving that one project off your calendar to another day, and then another, and another. The quiet avoidance, pressure, and analysis paralysis that can come from setting a big goal or trying to start something new. This is the best fix I've found so far...In this episode I break down exactly why "lowering the stakes" is the best thing you can do to succeed FASTER in life & business.We chat:The project I've personally been avoiding for weeks & what inspired this episodeDoes "doing it perfectly once" really save time or is doing it over (even multiple times) still get you to the finish line FASTER??Five categories you can use to manufacture lower stakes and less pressure around any goal that feels intimidatingWho to BLOCK immediately on socials (non-negotiable if you want to grow)A mantra from one of my clients worth tattooing on your forehead if you're a fellow perfectionist Why the smartest goal you can set has NOTHING to do with moneyThree Reframing Questions if you've been stalling on something for weeks

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Watch Us On YouTube! Take advantage of our ongoing benefit for annual subscribers of our Slack community. Annual subscribers receive a free Points Path Alerts subscription OR a 30% discount on Points Path Pro. The whole gang is here! Ed and Richard are joined by Summer Hull and newly ChatGPT-certified travel genius Julian Kheel for an episode that somehow takes 17 minutes to get to the news—and makes pretty good use of those 17 minutes. First, there's a celebration: Miles To Go has officially passed 10,000 YouTube subscribers. There's also an update on Richard's missing birthday present, the Flight Wall Mini, and the group examines ChatGPT's scientific determination that there's a "surprisingly strong case" for Julian being a genius. Then they finally get to the news. The TSA is testing Gateside, which allows TSA PreCheck members at participating airports to request access beyond security even when they aren't flying. That means meeting someone at the gate—or accompanying a family member who needs help—could once again become possible. Julian loves the idea, Summer isn't planning recreational trips to the gate, and Richard points out that there have always been…other ways to accomplish this. There's potentially another TSA change coming as well: allowing PreCheck members to bring water through security. But Ed has questions about how smoothly Gateside will actually work when travelers arrive at the checkpoint without a boarding pass, especially given Richard's recent experiences with TSA Touch Free. After Julian departs, the conversation turns to Frontier's major loyalty changes. Diamond status will become easier to earn, but mileage earning is being reduced across fares and several elite benefits are disappearing unless travelers purchase bundles. Richard says Frontier will become much more situational for his family, especially with Gold members losing seat selection at booking. But Frontier's changes come at a particularly interesting time because domestic airfare is getting painful. Summer is paying Frontier for an upcoming family trip to Orlando because comparable United tickets were roughly $2,500–$3,000 for four people. Richard faced similarly painful pricing from New York. Without Spirit providing as much low-cost competition, the group discusses whether we're already seeing the effects in leisure markets such as Orlando and Las Vegas. And miles aren't necessarily saving the day. Summer found United awards running 40,000–50,000 miles for expensive Orlando flights, while international award travel brings its own problem: increasingly painful taxes and fees, particularly when traveling as a family. There are still wins. Summer snagged business class to Europe for 68,000 United miles per person with minimal fees, while Ed found reasonably priced Honolulu–Sydney awards and used an Atmos Rewards 100,000-mile companion certificate. The game isn't dead—but having flexibility, alerts and the right tools is becoming increasingly important. Get hydrated like Ed in Vegas with Nuun If you enjoy the podcast, I hope you'll take a moment to leave us a rating. That helps us grow our audience! If you're looking for a way to support the show, we'd love to have you join us in our Travel Slack Community.  Join me and other travel experts for informative conversations about the travel world, the best ways to use your miles and points, Zoom happy hours and exciting giveaways. Monthly access Annual access Personal consultation plus annual access We have witty, funny, sarcastic discussions about travel, for members only. My fellow travel experts are available to answer your questions and we host video chats multiple times per month. Follow Us! Instagram: https://www.instagram.com/milestogopodcast/ TikTok: https://www.tiktok.com/@milestogopodcast Ed Pizza: https://www.instagram.com/pizzainmotion/ Richard Kerr: https://www.instagram.com/kerrpoints/ ✈️ What We Cover in This Episode ✈️ Is Julian officially a genius? ChatGPT weighs in Travel intelligence: 9.5/10 Vacation skills: considerably lower The proposed "Julian Kheel, Genius*" nameplate Why asking AI this question may have been a terrible idea ✈️ M2G hits 10,000 YouTube subscribers A milestone for the show Contract-renegotiation jokes immediately follow ✈️ Richard finally gets his Flight Wall The mysterious missing birthday package Life as a New York City doorman in the Amazon era Tracking flights in real time from Richard's office ✈️ TSA brings back access to the gate Gateside access for TSA PreCheck members Meeting arriving passengers at the gate Helping family members through the airport Why Ed is skeptical about how smoothly it'll work ✈️ Could TSA let you bring water through security? A potential future PreCheck benefit Giving pre-vetted travelers more flexibility Why Julian thinks it's a logical expansion ✈️ Frontier takes a chainsaw to elite status Easier Diamond qualification Lower mileage earning Elite perks disappearing Bundles required to regain some benefits Why Richard's Frontier strategy is changing ✈️ Family airfare is getting ridiculous $2,500–$3,000 trips to Orlando Frontier becoming the rational choice despite its changes The potential impact of reduced Spirit competition Vegas airfare reportedly up sharply ✈️ Miles aren't necessarily solving the problem 40,000–50,000-mile domestic awards School-calendar constraints International taxes and fees Why repositioning may be increasingly important ✈️ There are still great awards out there Summer's 68,000-mile United business-class tickets Ed's Honolulu–Sydney redemption Atmos Rewards companion certificates Why flexibility and alerts matter more than ever ⏱️ Episode 454 Timestamps 2:26 – ChatGPT decides whether Julian is actually a genius 6:10 – M2G celebrates 10,000 YouTube subscribers 8:07 – Richard finally gets his Flight Wall birthday present 15:07 – Points Path Flex Alerts and finding better award availability 17:04 – TSA Gateside: going through security without a boarding pass 21:15 – Will TSA's technology actually make Gateside work? 24:22 – Frontier guts elite benefits and changes mileage earning 26:02 – When Orlando airfare costs $2,500–$3,000 for a family 31:14 – Domestic award prices are getting painful, too 32:19 – International award fees, repositioning and finding the remaining deals

Happy 1st Friday Edition of the Program!! The Buckeyes have lost 3 of their last 4 and those losses have been talent equate games. Sounds like 2014 a lot.... Ohio State v Texas ratings are in and they're huge but not as big as Big Noon last year. Hear from Ryan Day at his weekly Presser. Guardians and Blue Jackets?? Meet the Golden Flashes. ESPN's Jake Trotter, Joshua Perry, What's Up, Higher or Lower, Thing or Not a Thing, #HeyGuys, Your Officially Endorsed and 3 Things

Investors parse the Fed's latest decision and what it means for the path ahead as stocks fell sharply during Kevin Warsh's press conference. Paulsen Perspectives' Jim Paulsen breaks down the market reaction while Janney Montgomery Scott's Guy LeBas explains what the decision means for bonds and rates. Bank of America's Ken Hoexter looks at transports and the impact of diesel prices on the sector as those names come under pressure. Barclays Chief U.S. Economist Marc Giannoni weighs whether the economy needs a rate hike. ON Semiconductor CEO Hassane El-Khoury discusses AI slowdown fears, the state of the semiconductor cycle and what he's telling investors. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

White House Chief Of Staff declared cancer free. The Program for International Assessment finds historically lower reading scores in the U.S.

Mortgage Rates Are Rising: How Real Estate Investors Should Prepare Mortgage rates are moving higher again. For real estate investors, that raises an obvious question: What should you actually do about it? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby are joined by investor-focused mortgage broker Keaton Kirkwood of Kirkwood & Brennan Mortgage Group to break down what is happening with rates, why fixed mortgage rates are already reacting, how variable-rate borrowers should think about the next several months, and how investors can protect their portfolios before higher borrowing costs become a problem. The biggest message: You cannot control interest rates. But you can control how prepared your portfolio is for them. Why Rates Are Moving Keaton explains that there are two major forces investors need to understand: Bond yields and The Bank of Canada overnight rate Bond yields react in real time to market expectations, global capital flows and inflation. Fixed mortgage rates are heavily influenced by bond yields. The Bank of Canada overnight rate, on the other hand, directly affects prime-based borrowing products such as variable-rate mortgages and HELOCs. Keaton points out that bond yields have already moved higher. That means fixed mortgage rates can increase even before the Bank of Canada changes its overnight rate. Why the U.S. Matters The conversation also covers what happens when the United States raises rates. Canada does not operate in isolation. If other major economies increase rates while Canada does not, that can put downward pressure on the Canadian dollar. A weaker dollar can make imported goods more expensive. That can contribute to inflation. Eventually, Canada may be forced to respond. Keaton compares global economies to a conga line. The largest economies are closer to the front. Canada is somewhere in the middle. We do not control the direction of the entire global financial system. This Is Not the First Time Wayne points out that investors have seen versions of this before.     Inflation. Rising rates. Higher mortgage payments. Financing stress. The causes may change. The pattern does not. That is why the goal should never be to perfectly predict rates. The goal is to build a portfolio that can survive when rates move against you. Higher Oil Prices Could Help Alberta There is one interesting wrinkle. The current inflation pressure being discussed is connected partly to geopolitical conflict and rising energy prices. Higher oil and gas prices are painful for consumers. But Alberta can sometimes benefit economically from stronger energy prices. That may support: Employment Investment Migration Housing demand Property values Keaton cautions that the effect is not equally positive for everybody. A drilling contractor may benefit directly. A teacher or accountant may not. Still, Alberta can sometimes perform relatively well during periods when global energy prices rise. What Investors Should Do Now Wayne asks the question most investors actually care about: Should you pause? Wait? Switch mortgage products? Rush to refinance? Keaton's answer: It depends on when you are exposed to higher rates. If you are in a variable mortgage, you should be paying attention now. If you have a fixed mortgage renewing within approximately 18 months, you should be paying attention. If you locked into a relatively high fixed rate previously, it may also be worth reviewing whether restructuring creates an advantage. That does NOT automatically mean you should refinance. It means you should investigate. Keaton's Four Pillars When deciding whether to restructure a mortgage, Keaton recommends evaluating four things: Cost Qualifying power Risk Tax efficiency If a change improves three or four of those areas, it may be worth considering. If the only benefit is saving $50 per month but it costs $15,000 to make the change, that may not make sense. The decision needs to improve the overall portfolio. Know Your Break-Even Interest Rate One of the most important pieces of advice from today's episode: Know the interest rate at which each property stops cash flowing. Then calculate the same number for your entire portfolio. For example: What happens if rates increase 0.25%? How much does that reduce monthly cash flow? What about another 0.25%? And another? At what point does the property become cash-flow neutral? At what point does the entire portfolio require money from your pocket? Investors should know these numbers before the rate increase arrives. Stress-Test the Portfolio Keaton recommends going even further. Calculate the impact of each quarter-point rate increase. If every 0.25% increase costs your portfolio $300 per month, you can quickly determine how much room you have. Maybe your portfolio can absorb: Three increases. Five increases. Seven increases. The specific number matters less than knowing it. Uncertainty creates fear. Knowing the numbers creates a plan. Cash Flow Is Your Protection Wayne comes back to the 5% Rule™. The reason he places so much emphasis on buying strong cash-flowing properties is not because high cash flow simply feels good. Cash flow creates safety. If interest rates rise: You have room. If rents temporarily fall: You have room. If expenses increase: You have room. If vacancy rises: You have room. The investor who bought a property with almost no cash-flow cushion can be wiped out much faster. The 5% Rule™ Wayne created the 5% Rule as a simple minimum cash-flow test for Canadian real estate investors. Its purpose is to ensure investors are not buying properties with such thin margins that one market change destroys the investment. Search: The 5% Rule by Wayne Hillier on Amazon. Longer Amortizations Can Reduce Risk Keaton also explains why he often prefers longer amortizations on investment properties. Longer amortization means: Lower mortgage payments. Higher cash flow. Greater ability to absorb rate increases. More liquidity. That does not mean you can never pay the mortgage down faster. You can use prepayment privileges if you want to accelerate the mortgage later. But starting with a longer amortization gives the investor more flexibility. Don't Rush to Pay Off Tax-Deductible Debt Another important point: Not all debt costs the same. Interest on qualifying investment debt may be tax deductible. Interest on your principal residence generally is not. That means a 5% tax-deductible investment mortgage may effectively cost less after tax than a 4% non-deductible home mortgage. Keaton's view is that investors should generally prioritize paying down more expensive non-deductible debt before aggressively eliminating tax-deductible investment debt. Always confirm the tax treatment with your accountant. Variable vs Adjustable Rate Mortgages Keaton also explains an important distinction. An adjustable-rate mortgage changes the payment as rates move. A variable-rate mortgage with a fixed payment keeps the payment the same, while the amount going toward principal changes. For an investor concerned primarily with cash flow, a fixed-payment variable structure can provide more predictability. The specific product still needs to fit the investor's goals. What About Leverage? One listener asks how to hedge rising variable rates when heavily leveraged. Keaton explains that loan-to-value is only part of the picture. For cash flow, amortization can be more important. An investor could have relatively low leverage but a very short amortization and therefore extremely high monthly payments. That investor may actually be more exposed to rate pressure than someone with more leverage and much lower payments. The real question is: How much cash flow does the debt structure require every month? Liquidity Matters Keaton also recommends maintaining liquidity. Cash reserves can make an enormous difference during periods of rising rates. An extra $20,000 or $30,000 in accessible reserves can give an investor time to work through: Higher payments Vacancies Repairs Refinancing Renewal timing Selling an underperforming property Liquidity gives you options. Should You Sell a Weak Property? Keaton gives an example. Imagine your portfolio is healthy until rates reach 6%. But one property is already barely cash-flow neutral today. That property may deserve a closer look. If rates rise further, it could become significantly negative. The question becomes: Does that asset have another compelling reason to hold it? Or would selling it now strengthen the entire portfolio? Asset management means evaluating each property individually, not blindly holding everything forever. Don't Let Rates Stop You From Buying The goal of today's conversation is NOT: "Rates are going up, so stop investing." It is: Understand the risk. Prepare for it. Then continue executing the plan. Higher rates can change the numbers. They can change which properties make sense. They can change financing strategies. But they do not automatically eliminate good real estate opportunities. Remote Property Management Course – 50% Off This Week Wayne and Gabby also discuss the response to Gabby's Remote Property Management Course. The eight-module course teaches the systems Wayne and Gabby use to manage their own rental portfolio remotely without personally attending every property issue. This week, the course is available for: 50% off Use code: 50OFF at: www.reimasters.ca About Keaton Kirkwood Keaton Kirkwood is an investor-focused mortgage broker with Kirkwood & Brennan Mortgage Group. He works with Canadian real estate investors on financing structures designed to protect cash flow, preserve future borrowing power and avoid mortgage decisions that make the next acquisition harder. www.kbmortgages.ca keaton@kbmortgages.ca REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, financing, market selection, joint ventures, property management and building a profitable Canadian real estate portfolio. www.reimasters.ca Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions: info@reimorningshow.com Upcoming Event REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

Steve Hilton, businessman, former Fox host, and Republican Candidate for California Governor, joined us on the Guy Benson Show today to give a big picture assessment of his campaign. With Benson, Hilton elaborated on the high cost of living in California after 16 years of single-party Democratic rule, and proposed his solutions. Hilton also discussed his plan to abolish the state's DMV, how California's regulatory environment is hostile to small business owners, the “GTFO Act,” how Governor Gavin Newsom contributed to the state's problems, and more.   Listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

As an entrepreneur in Chicago's tech sector, Morgan Sterling is careful and calculated, insulating their approach behind layers of personal and professional security. When a shadow of the past rises in their present, Morgan must think fast or lose everything.

This episode started with a cold plunge and turned into one of the most practical breakdowns of how we handle adversity I've seen in a while. I watched a guy go from 'I could never' to 'okay, what do I need to do to get in?' in about three minutes flat, just because he watched someone else do it. That shift in perspective is the whole game. I walk through why the first 20 to 30 seconds of any hard situation are the most critical, why holding your breath and tensing up is the fastest way to quit, and how visualizing the reward on the other side of the discomfort changes what you're willing to endure. Key Takeaways Saying 'I could never' is one of the profanities of success. Your mind takes you at your word and makes it true. Watching someone else do what you think is impossible is often the fastest way to expand your own sense of possibility. The first 20 to 30 seconds of adversity are the hardest. If you can breathe through them, you can win the battle. Holding everything in during stressful seasons makes the situation bigger, not smaller. Exhaling is not weakness. Visualizing the reward on the other side of the hard thing shifts your focus off the pain and onto the purpose. Action Steps Remove 'I could never' from your vocabulary today. Replace it with 'what would it take for me to do that?' and start there. When stress or shock hits, take five intentional minutes to breathe. Lower your cortisol so you can make clear decisions instead of reactive ones. Write down a vivid description of what life looks like when you get through your current hard season. Read it daily to keep your focus on the finish line, not the cold. Notable Quote Your mind doesn't have a sense of humor. Your mind takes you at your word. So when you say you can't do something, that will inevitably, 100%, become true.

CNBC Business News Update with Jessica Ettinger - Markets & Business News With Expert Analysis From Top Business Names. Visit CNBC.com For More. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

CNBC Business News Update with Jessica Ettinger - Markets & Business News With Expert Analysis From Top Business Names. Visit CNBC.com For More. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Explore Burnside's Bridge and beyond with Emerging Civil War historian Bert Dunkerly, discussing his recent book "The Lower Battlefield of Antietam: The Forgotten Front of America's Bloodiest Day."The Emerging Civil War Podcast is hosted by Chris Mackowski. This episode is brought to you by Civil War Trails, the world's largest open-air museum, offering more than 1,500 sites across six states. Request a brochure at ⁠⁠⁠⁠⁠⁠⁠⁠civilwartrails.org⁠⁠⁠⁠⁠⁠⁠⁠ to start planning your trip today.

Could the key to lowering your fleet's total cost of ownership already be sitting in your parking lot? Watch the full webinar, “Fleet Strategy 2026: How to Navigate Uncertainty Without Adding Cost”: https://www.automotive-fleet.com/webinars/fleet-strategy-2026-how-to-navigate-uncertainty-without-adding-cost?sti=podcast  With vehicle acquisition, fuel, maintenance, and operating costs remaining unpredictable, fleet managers need more than a traditional approach to TCO. In this episode, we explore why utilization should play a bigger role in fleet strategy and how right-sizing the vehicles already in service can create meaningful savings. Featuring insights from Landon McKay, senior fleet consultant at Merchants Fleet, and Joe Coffey, manager of FleetShare Operations at Merchants Fleet, this episode covers: • The hidden costs of underutilized and aging vehicles • How over-fleeting can drive up total cost of ownership • When vehicle pools, reassignment, and short-term rentals make sense • How one fleet reduced rental spending by $300,000 • How technology, telematics, and automation improve fleet visibility • Practical first steps for building a utilization strategy • How right-sizing can help fleets absorb market volatility without sacrificing productivity This episode highlights some of the webinar's biggest takeaways and includes clips from the original conversation. Watch the complete presentation for additional examples, utilization models, FleetShare insights, and the full audience Q&A. Learn more about Merchants Fleet: https://www.merchantsfleet.com/ Check out AF: Automotive Fleet

Keith welcomes back macroeconomist Richard Duncan of Macro Watch to examine where mortgage rates are headed and what's driving them there.  Duncan explains how the U.S. shifted from capitalism to what he calls "creditism" after the dollar left gold in 1971, and why today's AI investment boom, rising defense spending, and a $40 trillion national debt are all pointing inflation and interest rates in the same direction.  He also makes the case for rental property on land as a long-term inflation hedge, and answers a question many have asked: if the government can print currency, why does it collect taxes?  Episode Page: GetRichEducation.com/623 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  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. 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. You're going to get a good idea of where future mortgage rates are headed as we're talking to one of the world's most brilliant macroeconomists today. Will AI be more inflationary or deflationary? And the profundity of how we're on the brink of moving into a completely new economic system today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Home Buyers, the largest turnkey company in Memphis with more than 6000 homes under management, for a free live webinar the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again. that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:34   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  1:50   Welcome to GRE from Lancaster, Pennsylvania, to Lancaster, California, and across 188 nations worldwide. I'm Keith Weinhold. You're listening to Get Rich Education, and I really appreciate that you're here. Yes, those two cities, though spelled the same, are pronounced differently. Framing this entire episode today with our brilliant guest, you'll learn which direction future mortgage rates are probably going to move, and it's decidedly either going to be higher or lower. You'll get a clear answer. Now I've said that trying to predict mortgage rates definitively is foolish. We're only talking about probabilities today. Look, have you ever wondered if the government can just print its own currency? Then why do they have to collect taxes from us. We're going to get that answer today. Back in 1971, the U.S. economy left a system of capitalism, in fact, and embarked on a journey of creditism as defined by today's guest. Well, now we're about to leave creditism. You'll learn what is poised to replace it, and it is an AI-fueled answer. You know, to prep you with some context today, I've said it here before. But when you start talking about the enormity of a national economy, the words billion and trillion start to get thrown around a lot. A trillion seconds ago, you know how long ago that was. That takes you further back than the Roman Empire, because a trillion seconds is 31,700 years. Well, 31,700 years ago, that is just about as far back as when the plains of Europe were being roamed by Neanderthals. Yeah, that was a trillion seconds ago. Coming up on the show here, the man who wrote the book on the Pareto principle 30 years ago. That's the 80-20 principle, where 20% of your effort yields 80% of the results. We'll talk to him and learn how those insights can improve your life on a different upcoming episode.   Keith Weinhold  4:08   Here, the book Rich Dad Poor Dad was originally written by two authors. One of those two was Robert Kiyosaki. We had Kiyosaki on the show here with us in June, and by the way, the New York Post recently wrote an article, and they cited the Get Rich Education podcast in how Kiyosaki revealed on the show here that he is 1.2 billion dollars in debt. You can find that in the September 1st edition of the New York Post. That's the June 1st episode of the Get Rich Education podcast that they're citing. Well, a lot of people they don't know who the other author of Rich Dad Poor Dad is, but we're going to have her here with us on the show soon. So some really fascinating episodes coming up. Let's meet today's guest. Returning this week is one of the foremost macroeconomic minds in the world. He was this show's first ever guest nearly 12 years ago on episode seven. A prolific author, he publishes the popular video series Macro Watch at RichardDuncaneconomics.com, and he's really influential. For example, not long ago, he presented his economic policy proposals to congressional members of the House Ways and Means Committee. Hey, it's a warm Get Rich Education. Welcome back to the incomparable Richard Duncan.   Richard Duncan  5:39   Thank you, Keith. Thank you for having me back on.   Keith Weinhold  5:42   I don't know if you and the audience are ready for this. This is some perspective. It recently made news when the U.S. hit its national public debt milestone of $40 trillion. When Richard made his GRE debut here in November of 2014, it was $18 trillion. That national debt has more than doubled since you were first here, Richard.   Richard Duncan  6:07   That's right. The government has been playing probably the leading role in keeping the economy growing, and a couple of times since then has played the sole role in preventing a new Great Depression in the aftermath of the crisis of 2008 and during COVID, it's the massive government budget deficits, often more than a trillion dollars a year. Last couple of years, it's been 1.8 trillion dollars. That's been driving the economy, and whenever it needs some additional support, the Fed steps in and creates a few trillion dollars here and there, and combined they've been keeping the economy growing and, in fact, booming. And wealth has absolutely exploded as a result of the government spending and the Fed money creation. In 2008, the total wealth of all the Americans net worth $60 trillion. Now, it's tripled to $180 trillion. That that is a direct result of the government's intervention through budget deficits and paper money creation by the Fed.   Keith Weinhold  7:14   I will call that the world's least desirable investment portfolio minus 40 t. That is one way to think about it, but when you bring up interventionism, you know something I shared with the audience about a month ago, Richard. It is just remarkable to think about all the crises we've had just since 2020. We had COVID, we had Russia's invasion of Ukraine, we had Israel, Gaza. We had tariffs. Now we've got the war in Iran, and what is the result of all this? Largely due to government interventionism. Oh, both the stock market and real estate market in the U.S. are near all-time highs.   Richard Duncan  7:54   Who would have imagined? But things work very differently now than they did in the old days when money was backed by gold, and the Fed and the government played a much smaller role in the economy. It's a different world now. That was capitalism. This is creditism. Our new economic system is driven by credit growth, and whenever necessary, the government steps in with massive budget deficits, and the Fed steps in with massive money creation to make sure that credit keeps expanding and the economy keeps growing, because if credit doesn't keep expanding, if it even dips a little bit like it started to in 2009, then the whole bubble implodes and we repeat the 1930s Great Depression, probably followed by what happened in the 1940s.   Keith Weinhold  8:39   This is interesting. When you were first here 12 years ago. You talked about how society isn't so much capitalism that it's creditism, and you expounded on that. And before we're done, I know that we have now morphed into a new ism, post-creditism that Richard is going to share with us, it's fascinating. But Richard, since you were last here, the Iran War is new. It's been going on for over six months now. So I'd like to get your thoughts on that, and principally, if the Iran War is going to create lasting inflation or only a temporary energy spike. What are your thoughts?   Richard Duncan  9:20   Let's broaden this out. I know that your listeners are very interested in in real estate, and of course that's very impacted by interest rates. And interest rates are impacted, of course, primarily by inflation. So it is true that the Iran war is pushing up energy prices, and that's pushing up inflation. It's not just Iran alone. Before that, we had trade tariffs, and that's pushing up inflation. And on top of that, we've simultaneously got this extraordinary AI investment boom, and the investment by the hyperscalers is just mind-boggling. The four biggest hyperscalers-Amazon, Alphabet, Microsoft, and Meta-they're expected just the four of them to invest something close to $750 billion this year. 750 billion, just four of them. Now, to put that into perspective, the U.S. military, in one year, the most recent year, only spends half that much on procurement and research and development, roughly 320 billion. You've got these four hyperscalers spending twice as much as the U.S. military does on procurement and research and development. That is just hard to wrap your mind around, and of course, that's pushing up everything from the cost of memory chips to electrical equipment, the cost of electricity itself, power generation equipment, and all the kinds of materials that go into building data centers. So that's another source of inflation. And then there is this wealth effect that I just referred to a minute ago. Wealth has tripled from $60 trillion to $180 trillion since 2008. All that wealth is giving a lot of rich people a lot of money to spend on a very large scale, and that also is inflationary. So all of those things are inflationary, and none of them seem to be going away in the immediate future. Now, on top of that, the inflation is not the only thing that is affecting the interest rates. Other things are affecting the interest rates as well. For instance, the budget deficit this year looks like the U.S. budget deficit is going to be quite close to $2 trillion. So that will be $2 trillion of government borrowing, and this doesn't look like it's going to go down anytime soon either. President Trump is requesting $1.5 trillion for the total defense budget in fiscal year 2027, which starts in October. That's up from just $900 billion in fiscal year 2025, so that's a huge increase in military spending, which makes the percent-   Keith Weinhold  9:20   Increase plus, y   Richard Duncan  10:52   Going to keep growing, and that spending will be inflationary as well. But so the government is going to have to borrow, so the demand for money from the government is enormous, and as I've just mentioned, because of the AI boon, the hyperscalers and many of the other companies in the AI industry or related to the AI industry, they're also tapping the bond market on a very large scale. So demand for borrowing from these AI-related companies, the demand is pushing up interest rates. This is not directly related to inflation, so you've got a lot of demand for borrowing from the government and from the private sector related to artificial intelligence primarily. So that's on the demand side for money, and on the supply side, well, the United States is not making a lot of new friends these days. We seem to be losing friends pretty quickly, and many of the people who were very enthusiastic about buying American government bonds in the past are becoming increasingly reluctant to do so. Most of them still are. Most of them don't really have any viable options, but on the margin, there are fewer friendly buyers of our debt, and so fewer people willing to buy the debt also puts upward pressure on U.S. interest rates. So recently, the 30-year U.S. government bond hit a 19-year high at 5.33% That's a very high number, and this has spooked the Treasury Department. Treasury Secretary Besant has begun doing some very unusual things that suggest that he's very concerned. He has helped stop the yen from weakening by selling some euros that the U.S. government owned and buying yen. He did this to make the yen stronger, and this meant that Japan wouldn't have to sell its U.S. government bonds in order to have dollars to use to buy yen to make the yen stronger. So that was a strange move.   Richard Duncan  9:20   And then more recently, he's announced that the Treasury Department is going to start buying twice as many long-dated bonds as it has been doing. Each operation now, the Treasury Department has been buying $2 billion worth of bonds at the long end and financing it with short-term borrowing. So borrowing at the short end, the say two-year bonds, which have a much lower interest rate, and using that money to buy 10 or 30-year bonds that have a higher interest rate, in order to push up the bond prices and push down the bond yields at the long end, to try to hold down the 30-year bond yield and the 10-year bond yield, which of course directly affects the mortgage. This is beginning to seem like there's some degree of, well, let's call it perhaps not panic, but deep concern in the Treasury about how high interest rates in the U.S. are going, and just moving forward with this idea, all of these pressures, the inflationary pressures are not likely to go away anytime soon. The demand for borrowing is not going to go away anytime soon. So there's going to continue to be this upward pressure on interest rates. And I think ultimately, what we are going to see is another big round of quantitative easing from the Fed. The Fed is going to have to step back in and announce that it's going to create a great deal of money one more time, and use that money that it creates to buy government bonds to push up their price and to drive down their yield. And we shouldn't forget that already the Fed is currently printing, creating money. It launched a new program. What is it called? Reserve management purchases. This was a program they announced in December last year, where they were just going to create some money and inject bank reserves into the financial system, so that they could manage reserves at a good level, so everyone would have plenty of liquidity. Just since December, they have created $210 billion. This is kind of going under the radar, but $210 billion since December is not an insignificant amount of money.   Richard Duncan  14:49   If the budget deficit this year turns out to be 2 trillion, then that's financing 10% of the government's budget deficit, right? More than 10% So we've already got a significant amount of money creation by the Fed going on currently, and that's not enough to prevent the yields from moving sharply higher. So I think what we're going to get is another much bigger round of quantitative easing in the not too distant future, and that's going to have a lot of ramifications.   Keith Weinhold  17:00   That's a really interesting insight, and Richard, one word keeps popping into my head as we have this discussion. Okay, inflationary pressure correlates with higher interest rates, sure, but how much are these high bond yields, which flow right over to our mortgage rates, a result of an erosion in trust. I'm thinking about trust   Richard Duncan  17:24   to some degree, yes, but not overwhelmingly. The reality is, at the end of the day, there is a certain amount of money in the world that has to be invested somewhere, and that is the most important fact to understand. There is a pool of money; it keeps getting larger, and it has to go somewhere. And U.S. government bonds are considered the safest place for it to go. For instance, the United States has a very large trade deficit with the rest of the world. For the last two years, the current account deficit, which is more or less the trade deficit, has been 1.2 trillion dollars a year. It's easier to understand it as a trade deficit. That's been throwing off 1.2 trillion dollars into the surplus countries. The surplus countries sell things in the United States, countries like China and Vietnam and all the others. They sell things in the United States that they make at home. They get paid in dollars. They take their dollars back home to China and Vietnam and all the other countries, and what do they do with the dollars? They own dollars. They've got to do something with those dollars. They're getting 1.2 trillion more dollars every year. Now, the thing they do with it primarily is they buy treasury bonds with it, and so there is an inherent and growing demand for treasury bonds. You may be thinking, okay, they could take those dollars and they could convert them into euros. That's true, they could, but whoever they buy the euros from, they then own dollars, and they would need to buy U.S. dollar-denominated assets with them. The main driver behind the buying of Treasury bonds is just the fact that there are so many dollars in the world, an increasing amount of dollars outside the United States that need to be invested in U.S. dollar-denominated assets. People can lose confidence in "quote unquote, but what are they going to do with their dollars? It has to go somewhere, and so it ultimately ends up going round and round, and an enormous amount of it ends up in U.S. Treasury bonds, and that's not going to change so long as the U.S. has a very large trade deficit with the rest of the world. The rest of the world is going to keep accumulating dollars for that reason, and they're going to keep accumulating Treasury bonds for that reason.   Keith Weinhold  19:44   Well, what do these effects mean for real estate, Richard? I mean, which force you think will ultimately win for housing here with this increased inflationary pressure? Is it more of a damaged affordability problem, or do we see rising? Placement costs that continue to help float real estate values up.   Richard Duncan  20:05   Real estate prices, home prices, have not been performing very well over the last year to two. Pretty flat, unlike in prior years, immediately after COVID when they were booming. I suppose that's what we're going to continue to see for some time. If interest rates remain high, the affordability is not there. But if we do get this new round of quantitative easing, which I think is a real possibility, then that will effectively push down the interest rates, making home affordability better. And at the same time, by creating more money, that does push up asset prices across the board. So over the long run, I do believe that real estate is a very good investment, and also it can be a very good investment from the point of view of providing diversity in your portfolio. I'd like to focus in particular on it can be an inflation hedge. So, if you buy a house and use a say a 30-year fixed mortgage, and then we or a 15-year fixed mortgage to pay for a significant part of that purchase, and then we do get inflation, then the inflation eats away your mortgage. Your mortgage evaporates because of the inflation, so in that way you're somewhat protected from the risk of future inflation by having inflation destroys your debt. In other words, so that helps. So I do believe that buying houses, I think rental income is a very good investment, particularly houses on a piece of land buy the house with a fixed rate mortgage. You rent out the house, and over 10 to 15 years, the house pays for itself, and it keeps appreciating in value over time. Decade after decade, it will become increasingly valuable over the long run, and you'll have also a supply cash flow, and you'll have this inflation hedge that I just described. So I think owning rental property that is on land, I'm not so keen on buying condos. There's no limit as to how many condos can be built in the air, but there is a limited amount of land in the world, and so land is as good as gold because if gold goes up; the land will also go up for the same reasons. So I think owning rental property is a very important part of having a broadly diversified portfolio, which is usually the best thing for most people to do to have a broadly diversified investment portfolio.    Keith Weinhold  22:37   Yeah, in this era of both war and increased interventionism, yeah, we still have a resource here, real estate that is scarce, that is necessary, and is built with this basket of goods and commodities constituting that replacement cost.   Richard Duncan  22:53   I agree.   Keith Weinhold  22:55   Well, Richard and I have a lot more to talk about when we come back, including what phase of the economy that we're in post-creditism and a lot more. You're listening to Get Rich Education. Our guest is the publisher of Macro Watch, Richard Duncan. I'm your host, Keith Weinhold.   Keith Weinhold  23:12   What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. 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Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 266866. That's family 266866.   Robert Helms  24:44   Hey everybody, it's Robert Helms of the Real Estate Guys Radio Program. So glad you found Keith Weinhold and Get Rich Education. Don't play your daydream.   Keith Weinhold  25:04   Welcome back to Get Rich Education. I'm your host Keith Weinhold. We're talking with Richard Duncan. Check out him and his work at RichardDuncanEconomics.com. So much interesting stuff has happened in the macroeconomic world since we last had him here with the Iran War, with the AI arms race heating up, and with hitting that milestone of $40 trillion in total public national debt. Which, by the way, that $40 trillion-that is more than the combined debt of Germany, Japan, France, Italy, the UK, and Canada. That's basically the entire rest of the G7 just to try to get your head wrapped around that $40 trillion number, and you know, Richard, when it comes to the government, their income and their expenses and their assets in their debt, some wonder, including me, if the government can just print its own currency, then why must they collect taxes from us?   Richard Duncan  26:04   Okay, well, to understand the answer to that question, it's necessary to understand that it wasn't always possible for the government to print its own currency. Up until 1968, 1971, the Fed was legally required to back the dollars it created with gold, and the United States had the obligation to allow other countries to convert the dollars they accumulated into U.S. gold. So up until then, that wasn't a possibility for the government to finance its spending by money printing. And so, over the centuries that preceded, the government would tax the people to obtain the money that it needs for spending. So imagine today: here we are. The government now is spending about $7 trillion a year, and its tax revenues are about $5 trillion a year. So if it suddenly said, "Okay, we're not going to tax anyone anymore, that would mean that people would have an extra $5 trillion to spend, and if the people started spending $5 trillion, we would have hyperinflation, because there's only a limited amount of industrial capacity in the United States, or even in the world for that matter. It couldn't absorb a $5 trillion of additional spending from households and businesses, so it's not that they can't technically create the money as much money as they want to pay for everything they want. The constraint is not money creation technically; it's the inflation that it would produce if they just stopped taxing everyone and just created money instead. So that's the reason they can't.   Keith Weinhold  27:46   Just slowly taper it away and give people some income tax relief. Why can't they do that?   Richard Duncan  27:52   Well, that's what they've been doing. Taxes are far lower now than they were under when President Reagan took office, and that's one of the reasons we have $40 trillion in debt.   Keith Weinhold  28:03   Okay, but that is how the income and expenses look on an annual basis, right, Richard? This is how I think of it. Like the United States basically has 5 trillion in annual income, much of it from personal tax collection, and 7 trillion in annual expenses. That's how we get to the annual deficit of about 2 trillion, which rolls into that $40 trillion of overall debt.   Richard Duncan  28:30   That's right. What you said is correct. But we would have much more than $5 trillion income from taxes had the government not reduced the tax rate so often and so radically, starting in the early 1980s under President Reagan, if taxes hadn't been cut so sharply, we wouldn't have a two-trillion-dollar budget deficit, $40 trillion of government debt. So they've already been tapering the amount that they tax by cutting tax rates very sharply over the last decades,   Keith Weinhold  29:02   I guess a lot of people, admittedly me included, haven't been thinking about it that way. Maybe because it's painful, and I do write checks to the IRS. But when we talk about this propensity for continued inflation, one component of this is what's happening with the AI arms race, and I know you've looked at this closely. You know, because one thing I think about is, well, wait, will the AI arms race actually be deflationary over time because it lowers production costs and makes us more efficient, or is it going to be inflationary because it requires enormous capital and electricity and infrastructure in the building of these data centers. So you know I can see it going either way with the AI arms race, inflationary or deflationary. But since you studied it a lot, including talking about it on macrowatch, tell us more about the AI arms race and what this all means, Richard.   Richard Duncan  29:59   So yes. On your point that you just made, in the short term, it looks like the AI boom is going to be inflationary. Yeah, it's driving up electricity prices, land prices, and all of the things that we discussed before. Everything that goes into making artificial intelligence intelligence, including memory chips, which drive up the cost of your iPhone and iPad. So it's inflationary in the short run, but over the long run, it could probably and probably will be quite disinflationary or even deflationary. I think that's several years away. Now, moving on to the next question, the AI arms race. I think it's very helpful to understand the world around us by putting it in the context of how our economic system has evolved since dollars ceased to be backed by gold. 1968, the Fed was no longer required to back dollars with gold. 1971, President Nixon said, "Sorry, Europe, we we said we would let you convert your dollars into gold, but we changed our mind and you can't. So after that, there was no longer any gold backing for the dollar, and here are a list of things that have happened as a result of that change. Our huge trade deficits couldn't have happened if the dollars were backed by gold. The huge budget deficits that we have couldn't have happened. The Fed couldn't have created trillions of dollars through quantitative easing. Inflation rate has fallen from the 1980s, from the the mid teens to well below the Fed's 2% inflation target for most of the last 20 years, and wealth in the United States has exploded, as I mentioned, from 60 trillion to 180 trillion. That wouldn't have happened if dollars had remained backed by gold because credit has exploded. Total debt or total credit, two sides of the same coin. Total debt in the U.S. It's government debt, household debt, corporate debt, Fannie Mae, Freddie Mac debt, all the debt. It first went through $1 trillion in 1960. Now it's 110 trillion. So 110 times increase in my lifetime in total debt. That wouldn't have happened if dollars had remained backed by gold, and because of all of that credit expansion and the massive trade deficits we had with the rest of the world through globalization occurred, and that allowed Asia to industrialize, and Asia wouldn't be industrialized as it is now. China wouldn't be an economic superpower as it is now had dollars remained backed by gold, because it wouldn't have been able to grow through export-led growth. And so, China, instead of looking like it does today, it would look like it did in 1970, basically being a very poor third world country, and globalization has pulled hundreds of millions of people out of poverty.   Richard Duncan  32:47   They would still be in poverty had dollars remained backed by gold. The Soviet Union probably would still be around because the U.S. under President Reagan wouldn't have been able to to spend so much on the military that it bankrupted the Soviet Union trying to keep up with us, and finally, China wouldn't be the national security threat that it's become now because it wouldn't have had a trade surplus and it wouldn't have had any economic growth to speak of for the last 50 years. That's the world that we're living in now. The world we live in now is the direct result of dollars no longer being backed by gold, and to understand the world around us, you have to understand that that's the starting point. Now, coming to your question, this explosion of wealth that has been created under the system that I call creditism-we did have capitalism. It was driven by saving and investment, Capital accumulation, hence capitalism and investment that drove capitalism. That's not how our system works. Our system is driven by credit creation and consumption, and more credit creation and more consumption. That's creditism. It used to be driven by private sector credit growth, but the private sector became too heavily indebted in 2008, and they blew up, and that almost resulted in the complete collapse and bankruptcy of every bank in the United States and probably most of the banks around the world as well. So the government had to step in, and since that time, it's been government borrowing primarily.   Richard Duncan  34:17   This driven creditism and kept credit expanding with the help of the Fed, so this has been the evolution of creditism and has produced extraordinary amounts of wealth. So it's had two consequences that we need to focus in on now. For one, I've mentioned already, it turned China into an economic superpower, which is now on the verge of overtaking us, not just economically, but also technologically and militarily, it's become an extreme national security threat to the United States. But the second thing that has occurred, the creation of all of this wealth has provided the funds that have allowed a. Technological revolution to occur so quickly, this AI revolution that we're now living through, that is the direct result of the ample liquidity that has been created and flowing around the world, originating largely from the Fed's printing press and the government's budget deficits. That's created trillions and trillions and trillions of dollars of wealth that wouldn't have existed otherwise, and that wealth has gone into funding this development of data centers and the technology that's created the artificial intelligence. Now we are experiencing this AI revolution, and it's become quite apparent to everyone that whoever wins the AI arms race is going to rule the world. We're on the verge of machines becoming more intelligent than humans, and then after that point, through self-training and self-improvement, going on 24 hours a day, they're going to become exponentially more intelligent than humans very quickly, so whoever wins this race is going to have dominance of every other country in the world. So, as creditism has evolved, it has created a national security threat in China and has created artificial intelligence. And as a result of the two combined, we now have this artificial intelligence arms race with the United States that must win. That's why President Trump is calling for a 1.5 trillion dollar defense budget.   Richard Duncan  36:30   So this is one of the main themes that MacroWatch has been focused on this year. I've done a series of videos on the new defense spending boom, looking in one video at the traditional titans of defense like Lockheed Martin, RTX, Boeing, in another video looking at the new up-and-coming Silicon Valley challengers in the defense industry, companies like Andrel, Palantir, and most important of all, SpaceX. This is now the driving force in the economy. the The absolute necessity of winning this AI arms race is going to require much greater government spending on the military, and it's going to require what we're seeing extraordinary amounts of money being invested in developing artificial intelligence because whoever gets there first wins, and whoever doesn't is going to be subjugated by the winner. So that's where we are. So that brings us up to we've been discussing the change from capitalism into creditism, and we've seen how creditism has evolved from being first driven by private sector credit to later being driven by government sector borrowing and spending, now leading to this AI arms race, which I think we're now moving toward a different kind of economic system beyond creditism. So let me back up just a minute and say that economic systems are best defined by the constraints that limit what they can do. So we've been talking about capitalism. Capitalism's main constraint was the requirement that money be backed by gold, and when that constraint, when that gold-backed money constraint was removed, the constraint was gone. The economic system evolved into a different kind of economic system. Creditism has created extraordinary amounts of wealth and growth since early 1970s. This is not the first time economic systems have evolved. If you look back through history, there have been many different kinds of economic systems. They've all been defined by the constraints that binded what they could do. If you go back to hunter-gatherer economic system, that economic system was constrained because the people didn't have tools for cultivation or any way to store the food that they created for long-term storage, but once they developed that those tools and the ability to store food, those constraints were removed and they evolved into a different kind of economic system. Ultimately, into feudalism. Feudalism was an economic system that was constrained by very poor roads, so there was very little transportation. There were no banks, so no banking system or credit, and there was very limited legal social mobility.   Richard Duncan  39:28   But eventually, cities developed, and because of cities, trade flourished, and that removed the constraints that had defined feudalism. Okay, so fast forward, capitalism was constrained by gold-backed money. When gold was removed, we moved into creditism. Now here we are in creditism, late-stage creditism, and we're seeing this phenomenal expansion of artificial intelligence. So every economic system throughout history has. Had two constraints in common. There have been labor constraints, a limited labor supply, and there has been the constraint of limited human intelligence. We're now, thanks to artificial intelligence, on the verge of removing those two constraints that have limited every economic system up until today, when artificial intelligence is embedded in humanoid robots, that's going to remove the labor constraint. We will no longer have any labor constraint. Robots will be able to produce all the labor and then some that's required. So there goes the labor constraint, and when we hit superintelligence, that's going to remove the constraint of human intelligence that has bound economic systems. So those have been the two primary binding constraints on every economic system so far, and they're just now about to be removed by artificial intelligence. We're moving into a new era without intelligence constraints and without labor constraints, and this is going to radically change everything. When those constraints are removed, creditism is going to evolve into an economic system that's no longer driven by credit creation. It's going to be driven by intelligence creation, knowledge creation, or an explosion of cognition. So I call the new system that we're moving toward cognitism, because rather than being driven by credit as creditism is, it's going to be driven by exponential expansion of intelligence or cognition, and it's probably going to create undreamt of wealth, but it's going to completely change from bottom to top everything about the world and society and social relations that exist today, and that is what we're very quickly moving into over the next 10 to 20 years. That that's where we're going to go, and I believe it deserves a new name. So I've coined the term cognitism to describe this new economic system. The post-creditism world is cognitivism.   Keith Weinhold  42:12   Wow, this is massive. Ever since we met, you talked about creditism, and really, that's the economic system that we live in, not capitalism, so we're on the brink again of moving from creditism into cognitivism, because oftentimes these forces and their change are defined by having the constraints removed, and we're on the brink of removing the labor constraint and the human intelligence restraint from creditism to move us into cognitivism over the next 10 or 20 years. I'm just reviewing what you said as I'm thinking this through, Richard. Talk to us at least a little about what the ramifications are for us, just everyday people and investors with this cognitimism economic system.   Richard Duncan  43:02   It's very difficult to guess what the consequences are going to be. They're going to be not only economic, but they're going to very quickly become political, and the political consequences are difficult to guess how they will play out. But it does look like when robots can do all the manual labor, and machines can do all of the intellectual work on a much more accurately, much more rapidly, much more flawlessly than humans can. There won't be any need for humans to have work unless legislation is in place to ensure that they do, and if they don't have work, then they're going to not have any income. And if they don't have any income, they're going to start being very unhappy, and they're going to start rioting, and governments are going to begin to fall, and we don't know how that's going to play out. So there's going to have to be arrangements made to ensure that people do have enough income to benefit from all of the extraordinary wealth that could be created through limitless labor and limitless intelligence, but to work in a way that can satisfy our wildest dreams and beyond our wildest dreams is going to be a matter of restructuring the political economy, if you will, to ensure that people benefit from this technological revolution that is now speeding up.   Keith Weinhold  44:30   Yeah, I would say all we do know is we don't know and how it's going to turn out. But you know whether it's been tractors replacing horses or whether it's been the advent of the assembly line, or whether it's been the advent of the internet, people always say it's going to destroy net jobs, and historically, it really hasn't.   Richard Duncan  44:53   You're right, but the replacement of horses with automobiles didn't really work out so well for the horses.   Keith Weinhold  45:00   So, is there any way we can think about this in order to stay nimble as investors and everyday people, Richard? As we move into cognitism.   Richard Duncan  45:10   Absolutely, everyone needs to subscribe to Macro Watch, and they'll be able to follow it very closely there as I map it out as it unfolds from month to month.   Keith Weinhold  45:22   They should, and it's fascinating, and you've really been on the cutting edge of that. Tell us more about subscribing to Macro Watch, something that a lot of listeners should be interested in.   Richard Duncan  45:33   So my background is has been in finance. I started working in Hong Kong in 1986 as a securities analyst, I later on became an economist and then a strategist. I worked for the World Bank for a couple of years in Washington. I was the head of global investment strategy in London for ABN AMRO Asset Management. So my background is in finance, and I have spent most of my career living in Asia for the last 40 years, primarily in Asia. Along the way, I've written four books. The first one was the Dollar Crisis back in 2003. The most recent one was The Money Revolution in 2023. So my background is in finance. But 13 years ago, I launched Macro Watch. Macro Watch is a video newsletter. Every couple of weeks, I upload a new video. It's essentially me making a PowerPoint presentation discussing something important happening in the global economy and how that's likely to impact asset prices. So it's essentially become a compendium of the global economy. Essentially, everything that has happened in the last 13 years at the macro level that matters is discussed in these macro watch videos. For instance, there is a complete history of everything the Federal Reserve has done since it was founded in 1913. There is a complete description of government debt from the beginning, the increase in government debt and budget deficits. It explains things like how the Fed actually creates money, what are bank reserves, what is Japanese monetary policy, what is European monetary policy. All the major macroeconomic developments are described there and are available to subscribers every two weeks. They upload a new video, and so if your listeners would like to check it out, my website is richarddunkeneconomics.com. That's richarduneconomics.com, and if they'd like to subscribe, hit the subscribe button. And I'd like to offer everyone a 50% subscription discount.   Keith Weinhold  47:36   Thank you.   Richard Duncan  47:36   They'll be prompted to put in a discount coupon code if they use the discount code GRE, like Get Rich Education, they can subscribe at a 50% discount. They'll find it very affordable, and at the very least, they can sign up for my free blog while they're there, and they can follow my work that way.    Keith Weinhold  47:57   It is fascinating the AI arms race poised to have us completely change economic systems from criticism to cognitism. Richard, is there any last thing that you would like to leave us with? Whether it has something else to do with AI, maybe I didn't think about asking you, or something with the Iran war and the inflation, or anything else in the economy. Any last thought for what we should do or be aware of?   Richard Duncan  48:24   One thing, of course, I think is very important is for everyone to learn to use AI as much as they possibly can. It's easy to use, and it will teach you how to use it. And as we evolve into this new world is going to be crucial to make use of this most important tool humanity has ever had-the ability to use AI. This suddenly gives you access to all the world's knowledge. All you have to do is ask, and it will tell you in a very friendly way. So, by being able to use AI, you'll be in a much better position to survive the transition and prosper in the decade ahead.   Keith Weinhold  49:09   That is an actionable way to stay on top of it, Richard. It's been valuable as always. Thanks so much for coming back onto the show.   Richard Duncan  49:16   Thank you, Keith. I've enjoyed it.   Keith Weinhold  49:24   Yeah, keen insights from Richard as always. Yeah, the U.S. sure has been making enemies the past couple years. That could make other nations less likely to buy our debt, and then in turn, it takes higher interest rates in order to attract bond buyers. Well, that in turn increases mortgage rates. But to some extent, other nations have to buy our debt. Richard says that a bigger round of future QE is a distinct possibility. That is code for money printing. That's clearly. Inflationary, but few seem to know we've already been involved in liquidity operations since last December. Whether that's called QE or something else, it is taking more government spending to keep up with the AI race. That's inflationary too. What about that? When horses were replaced with cars. How did it work out for the horse? I don't know if that made it better or worse for the horse. Maybe horses were out of work, but then they got to live free. Will AI make that very predicament apply to humans? Nobody knows. The economic system will have moved from creditism to cognitism when the economy is no longer driven by credit creation but intelligence creation, from RichardDuncanEconomics.com, you can hit the subscribe to MacroWatch button and enter the discount code GRE for a 50% discount. Just about everything that you heard today is poised to drive mortgage rates higher, not lower. Big thanks to Macro Watch Mastermind Richard Duncan today. Next week it's a more real estate centered show. I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  51:21   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  51:49   The preceding program was brought to you by your home for wealth building, getricheduceducation.com  

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com Episode 3536: DIY Active explains why high blood pressure earned the nickname the silent killer, and how consistent exercise trains the heart to pump more efficiently. The article walks through three approaches: brisk walking at a moderate intensity, swimming as a joint-friendly option, and resistance training for its effect on body composition. Each is presented as an accessible entry point rather than a demanding fitness program. Read along with the original article(s) here: https://diyactive.com/three-easy-exercises-to-lower-blood-pressure/ Quotes to ponder: "When you exercise consistently, you're training your heart to pump stronger and more efficiently, which directly reduces blood pressure by taking stress off your circulatory system." "Physical exercise doesn't necessarily have to be intense all the time." "Swimming is an easy exercise to lower blood pressure because it's a joint-friendly alternative to land-based exercise." Optimal Health Daily is a daily health and wellness podcast where we narrate the best articles on nutrition, fitness, weight loss, and healthy habits, read to you by a professional narrator so you can improve your health a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Waiting for the “perfect” mortgage rate could mean waiting for a market that may never arrive.Interest rates get plenty of attention, but they are only one part of a much bigger homeownership decision. The more important questions are: What can you actually afford? Are you financially prepared? What happens to your housing costs over time? And how can a home become part of a long-term wealth-building strategy?Ralph DiBugnara brings decades of experience in mortgage lending, real estate investing, entrepreneurship, and consumer education to this conversation with Corwyn J. Melette, Broker/Owner of EXIT Realty Lowcountry Group.Together, they examine why buyers are sitting on the sidelines, how interest-rate psychology influences decisions, how to determine affordability beyond the rate, why cash reserves matter after closing, and how real estate can play a role in building equity and creating opportunities for future generations.Key Takeaways:01:15: Why waiting for the perfect interest rate may be the wrong strategy04:41: Why trying to time the real estate market doesn't work07:03: The difference between controlling a housing payment and controlling rent07:40: How to determine affordability beyond the interest rate08:57: Why buyers need reserves instead of becoming cash poor after closing10:59: How real estate can contribute to long-term wealth and legacy building13:36: Why many people are more prepared for homeownership than they realize16:07: Why a Federal Reserve rate cut does not automatically mean mortgage rates will fall18:13: How investors evaluate opportunities, risk, and future equity20:25: Ralph's story of building wealth by learning and taking action21:47: What Home Qualified provides to buyers and investorsLegacy Building Takeaway:“I've earned everything. I've bought everything on my own. I've built everything on my own. It could be done by anybody.”Connect with Ralph:Website: https://ralphdibugnara.com/home-qualified/LinkedIn: https://www.linkedin.com/in/ralph-dibugnara-9759096/ Instagram: https://www.instagram.com/dibug/Tiktok: @DiBugConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Website: https://www.exitlowcountry.com/Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.

Mike Santoli and the Investment Committee debate what the AI safety concerns mean for the market and how you should trade it. CNBC's Kate Rooney joins us with more on what's driving AI fears. Plus, the desk reveals what they're expecting out of the Fed Rate Decision on Wednesday and what it will mean for the market and your money. And later, CNBC's Oliver Renick joins us to discuss the latest Options Action on the volatility index. Investment Committee Disclosures Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Wild Eye expedition leaders and photo guides, Luke & Johan for a chat about Johan's recent scheduled photographic safari to Zambia's incredible Lower Zambezi National park. Johan and his guests spent 9 days in the region, staying at Classic Zambia's Chula and Kutali camps. Learn more about this popular photo safari and stunning safari destination. At time of recording, there is just one space available on our October 2027 departure, dont miss out - https://wild-eye.com/photographic-travel/lower-zambezi-photo-safari/ Start Planning Something Beautiful - https://wild-eye.com/

In today's episode on 14th Sept, we explain what the US Treasury is doing with bonds and why it doesn't seem to be working as intended.Sign up for the FREE insurance masterclass from Ditto

Most people love the idea of an off-grid cabin life right up until the question lands: “Okay, but how do you make money out there?” We're sitting on the porch with coffee, watching the world wake up, and telling the truth that gets skipped in so many homesteading conversations. Money doesn't disappear past the tree line, and pretending it does can sabotage the very freedom you're trying to build.We walk through how remote living really gets funded, from earning online to the older, proven ways money moves in rural places. We talk about the internet as a tool, not a religion: how you can document work, sell products, or teach skills at a distance without letting screens swallow your life. We're honest about the low odds of “making it on YouTube,” why online income is still a small business, and why it often takes years before it pays.Then we get concrete about what does work: trades and practical competence, seasonal income, and the idea of weaving multiple income streams so one slow season doesn't break you. Finally, we hit the lever most people underestimate: lowering your overhead. Cutting expenses is a dollar-for-dollar raise, and when your heat, food, and housing costs drop, the number you must earn each month gets surprisingly manageable. If you're serious about off-grid living, homesteading, rural finances, and self-reliance, this is the grounded roadmap that turns the dream into math.Subscribe for more, share this with someone planning a leap, and leave a review if it helps. What's the one expense you'd cut first to buy back your freedom?Support the showMy Self Reliance YouTube Channel- https://youtube.com/@MySelfReliance?si=d4js0zGc5ogYvDtOShawn James Youtube Channel - https://www.youtube.com/channel/UC5L_M7BF5iait4FzEbwKCAgMerchandise  - https://teespring.com/stores/my-self-reliance

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com Episode 3536: DIY Active explains why high blood pressure earned the nickname the silent killer, and how consistent exercise trains the heart to pump more efficiently. The article walks through three approaches: brisk walking at a moderate intensity, swimming as a joint-friendly option, and resistance training for its effect on body composition. Each is presented as an accessible entry point rather than a demanding fitness program. Read along with the original article(s) here: https://diyactive.com/three-easy-exercises-to-lower-blood-pressure/ Quotes to ponder: "When you exercise consistently, you're training your heart to pump stronger and more efficiently, which directly reduces blood pressure by taking stress off your circulatory system." "Physical exercise doesn't necessarily have to be intense all the time." "Swimming is an easy exercise to lower blood pressure because it's a joint-friendly alternative to land-based exercise." Optimal Health Daily is a daily health and wellness podcast where we narrate the best articles on nutrition, fitness, weight loss, and healthy habits, read to you by a professional narrator so you can improve your health a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

CNBC Business News Update with Jessica Ettinger - Markets & Business News With Expert Analysis From Top Business Names. Visit CNBC.com For More. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Avs Rookies Make Quick Work of Rookie Faceoff as Training Camp Approaches Jesse Montano and Meghan Angley are BACK in the Studio to breakdown this year's Rookie Showcase as the Colorado Avalanche prospects went to San Jose and put up 13 goals across just two games. Plus they'll preview a big week ahead as Main Camp opens this Thursday 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 #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL #VegasGoldenKnights #VGK Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Could fatigue, dizziness, brain fog, feeling cold, and migraine be pointing to something deeper, like low iron stores?In this episode of Migraine Heroes Podcast, Diane Ducarme explores the connection between iron, energy, oxygen delivery, brain function, and migraine and why low iron can sometimes be missed when we look only at hemoglobin.You'll learn:

Rian Hadley is fourteen runs from freedom when his atmospheric scrubber starts pulling living tissue out of a poisoned gas giant.Disgraced, unlicensed, and buried under corporate liability debt, Rian works the Geryon Basin, where two million colonists were declared dead after a biological attack. Pilots are paid by the cubic meter to filter the contaminated clouds, and the rules are simple: stay inside the approved corridors, keep the grinders running, and never waste time chasing bad readings.Then Rian's sensors find a pocket of clean, breathable air below the work zone. He descends and discovers vast living membranes strung through the ruins, machinery still cycling beneath them, and signs that the dead basin is not empty. When harpoons tear into his scrubber, curiosity becomes a fight to escape.With fuel leaking, his hull failing, and company navigation software erasing whole regions from the map, Rian has to climb through crush depths, black shears, and violent storm cells using instruments he barely trusts. Survival is only the first problem. What he carries back could cost far more than the debt that brought him there.

The wheel turns, this is simply a fact. But what happens when we're not ready for the turn? How do we intentionally address unfinished business from season to season, so that we don't carry heavy, stagnant energy into the next cycle? With each subtle shift, pay attention to your energetic state. Are you reluctant to move forward? Conversely, are you eagerly rushing into the next season without even a backwards glance? The moments where we dig our heels in or hastily plow ahead have something to teach us. As we listen to the evening cicadas, consider the changing season in your life, are you ready for the shift or do you have unfinished business to attend to? Support the Show & Stay Connected 

In this episode, Joe breaks down his tried-and-true principles for in-season strength training. He discusses Charlie Francis' famous "Fill the Glass" concept, reveals the two biggest in-season training mistakes he sees coaches and athletes make, and then takes you inside the exact program he's using with his daughter during her high school soccer season. Joe shares her complete full-body strength workout - exercise by exercise - including her warm-up and a new "Step-Down Matrix" that has quickly become one of his favorite lower-body warm-ups. He also reveals her mid-week "neural primer" and the full-body mobility routine she uses throughout the week when needed. Joe wraps up with a quick review of his in-season training template for football players before teasing his upcoming "30 Days of Delts" challenge, which he'll be sending FREE to his email subscribers this Friday! If you train athletes — or you're an athlete trying to stay strong, healthy and explosive throughout a long season — this episode is for you. *For a full list of Show Notes with Timestamps visit www.IndustrialStrengthShow.com. IMPORTANT LINKS Team Forever Strong [1-Week FREE Trial] Get on Joe's email list!  

CNBC Business News Update with Jessica Ettinger - Markets & Business News With Expert Analysis From Top Business Names. Visit CNBC.com For More. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hogan talks with longtime advocate and conservationist Frank Rinella about the proposed Nature-Like Fish Passage Project on the Lower Yuba River at Daguerre Point Dam. This project is highly controversial among Lower Yuba River anglers, guides, and community members, as it would open the stretch above Daguerre Point Dam to all fish migration—stripers, shad, green sturgeon, and, yes, more salmon and steelhead.

Happy 1st Friday Edition of the Program!! Ohio State and Texas, 20 Years in the Making. Hear from Ryan Day on the matchup with Texas. Meet the Longhorns and hear from Sark. LSU Blinked. The NFL gets underway tonight. ESPNs Jake Trotter, Anwar Richardson of orangebloods.com, What's Up, Higher or Lower, #HeyGuys, Thing or Not a Thing, Your Officially Endorsed and 3 Things

Soup or power, take your pick, what do you want? Perhaps, instead, you would prefer meeting the roster of villains, capturing a citizen of the silver civilization, labeling a pervert, imagining more One Piece comparisons, confining the less fortunate to Lower City, smelling like garbage, drawing bold lines between two classes, meeting the local Big Bag Rascal, refusing to collect trash, losing another smile, realizing Valua is a Button Town, coloring on the ground, eating hard black bread, finding comfort in those who are worse off than ourselves, and calmly exchanging reasonable beliefs about toasting bread. Should I fire my big cannon, baby? 00:00:00 Plushie 00:02:51 Intro 00:04:20 Council of Fucked Up Guys 00:24:50 Landing in Valua 00:27:45 Lower City 00:33:30 Marco 00:36:46 Lower City Indoors 00:46:26 Lower Lower City 00:51:57 Real Net 01:01:33 Outro Patreon: patreon.com/retroam Bluesky: @retrogradeamnesia.bsky.social YouTube: www.youtube.com/@RetrogradeAmnesia E-Mail: podcast@retrogradeamnesia.com Website: www.retrogradeamnesia.com  

Every time you run a load of laundry, your washing machine sheds plastic. Not metaphorically: synthetic clothing made from polyester, nylon, and rayon releases microfibers with every wash, and depending on the study, a single load can shed anywhere from a few hundred thousand to millions of them. Most of us have never thought about it, because unlike a plastic bag on the beach, you can't see it happening. In this episode, Andrew talks with Dr. Anja Brandon, Director of Plastics Policy at Ocean Conservancy, about the plastic pollution problem hiding in plain sight behind the more familiar debates over straws and single-use bottles. Anja's own path here started at an aquarium, not a policy office. She volunteered there as a student, went on to earn a PhD in environmental engineering from Stanford studying plastic-degrading bacteria, then took a detour into policy through an AAAS/AGU Congressional Science Fellowship, spending a year working inside Senator Jeff Merkley's office translating science into legislation before joining Ocean Conservancy to help build out its plastics policy program from the ground up. Andrew and Anja dig into that career pivot in detail, including her honest read on why plastic-eating bacteria research, despite the viral videos, is still a long way from solving this problem at scale. From there, the conversation gets practical. Anja walks through what actually happens to a microfiber after it leaves your washing machine (wastewater treatment, biosolids used as fertilizer, and eventually rivers, lakes, and oceans), why its needle-like shape makes it unusually good at lodging in tissue once ingested, and what the evidence says about ocean wildlife and human health. Then she lays out the fix: retrofit filters, low-tech options like the Cora Ball and mesh laundry bags, and Ocean Conservancy's "Not Safe for Wash" (NSFW) campaign pushing for a legal requirement that new washing machines ship with a microfiber filter, the same way seatbelts got phased into cars. California's SB 54 comes up as a model for how extended producer responsibility policy can make manufacturers, not individual households, absorb the cost of the plastic they put into the world. Takeaways: Synthetic clothing sheds microfibers every time it's made, worn, and washed, and depending on the study, a single load of laundry can release anywhere from a few hundred thousand to millions of them. Shed microfibers mostly end up caught in wastewater treatment biosolids, which are frequently applied to farmland as fertilizer, meaning they get moved around rather than actually removed from the environment. A retrofit or built-in washing machine filter can capture up to 90% of the microfibers a wash cycle would otherwise release, and Ocean Conservancy's own polling found roughly 8 in 10 Americans support requiring them. No U.S. state currently requires washing machine microfiber filters, though several have introduced legislation and a similar bill has been introduced federally. California's SB 54 uses an extended producer responsibility (EPR) model, making the companies that create plastic packaging financially responsible for its end-of-life costs rather than leaving that bill with taxpayers and consumers. Lower-cost individual options exist too: full loads over small ones, lower wash temperatures, less soap, a Cora Ball, or a fine mesh laundry bag for synthetic fabrics. Ocean Conservation Plastic Pollution webiste: https://oceanconservancy.org/work/plastics/ Support Independent Podcasts: https://www.speakupforblue.com/patreon Need help with your ocean non-profit, company, or project? Get the help you need with Pisces Oceans Inc.: https://www.piscesoceans.ca Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube    

Our last Q&A became our MOST-LISTENED-TO episode, so Besties: WE'RE BACK. You sent us your hardest parenting questions, and once again, we're answering them all. Your kid was doing GREAT, and then school started and suddenly they're melting down, fighting everything, and acting like a completely different person. Your three-year-old has turned absolutely feral since the new baby arrived. And what do you do when you KNOW you need therapy, but adding one more thing to your schedule feels literally impossible?We cover:Back-to-school meltdowns and why your kid suddenly seems like a completely different personWhat's actually happening when kids hold it together all day at school and completely fall apart at homeHow to make the back-to-school transition easier (and why now might be the time to LOWER demands)Why three-year-olds can feel absolutely feral, and the small shifts that can prevent some of the biggest daily power strugglesNew sibling jealousy, meltdowns, and helping your older child adjust to a new babyWhat to do when YOU are completely at capacityHow to make time for therapy when you literally do not have one more hour to giveThe mindset shift that can completely change how you think about taking care of your own mental healthPlus:Kristin is in an anxiety spiral, Deena is officially having a midlife crisis, we reveal what we're watching right now (or why Kristin is watching absolutely fucking nothing), and somehow we land on spa baths as a legitimate mental health intervention. Basically: feral toddlers, back-to-school chaos, nervous systems, therapy, and the real-life strategies that will help your whole family get through this season with a little more ease.This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Aquaphor Baby - Find the new Aquaphor Baby Sensitive Lotion now at Walmart, Amazon andTarget. Visit aquaphorus.com to learn moreEgglife - Find Egg Life wraps chilling in the fridge at Aldi, Whole Foods, Kroger, Target, Walmart, and more. Visit egglifefoods.com to find a retailer near you.Jones Road Beauty - Use code BIGLITTLEFEELINGS at jonesroadbeauty.com to get a FREE FULL-SIZE MASCARA with your first purchase! #jonesroadbeauty #adNaturepedic - Visit www.naturepedic.com and use code FEELINGS to get 20% off safer, healthier sleep products for the whole family.Osea - Get 10% off your order sitewide with code BLF at oseamalibu.com.Ross - Find your nearest Ross at rossstores.comProduced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.