Podcasts about Lower

Builder confidence in the single-family housing market slipped again in February, according to the latest Housing Market Index from the National Association of Home Builders. The index fell to 36, marking the second straight monthly decline and signaling continued weakness in builder sentiment. Affordability remains the biggest challenge. High home price-to-income ratios, elevated land costs, and stubborn construction expenses are keeping many buyers on the sidelines. Even with incentives widely available, buyer traffic remains low. In this episode, Kathy Fettke breaks down what falling builder confidence means for housing supply, pricing power, remodeling demand, and real estate investors in 2026. If inflation eases and mortgage rates follow, conditions could improve — but for now, affordability continues to shape the market.

Today's Post - https://bahnsen.co/4tNvJGE David Bahnsen opens Dividend Cafe after a volatile week marked by a weaker-than-expected GDP report and a Supreme Court ruling striking down President Trump's tariff rationale under the Economic Emergency Act (with a deeper tariff discussion coming Monday). His core thesis: disinflation is likely in 2026—and it may not feel positive. He clarifies the difference between inflation (rising prices), disinflation (slower price increases), and deflation (falling prices). Bond markets are signaling softer expectations, with the 10-year Treasury near 4.07% and five-year inflation breakevens around 2.4%, suggesting modest real growth ahead. Recent GDP registered about 1.4% annualized, distorted in part by a government shutdown, while core PCE inflation is roughly 3% year-over-year versus 2.9% a year ago. Bahnsen expects services-driven disinflation, particularly as rent measures catch up to real-time data. However, that may not improve affordability given tight housing inventory and a frozen resale market. He also warns that business investment is overly concentrated in AI and data centers—echoing the fracking-era CapEx surge—while broader investment remains subdued. Risks to growth include a weak labor market with low hiring, a personal saving rate near 3.4% (raising the chance tax refunds rebuild savings instead of fuel spending), and muted bank lending despite lower rates. 00:00 A wild news week 01:48 Cutting through economic spin 03:23 Why 2026 disinflation may disappoint 04:36 Bond market signals 07:16 GDP and data distortions 10:49 Services-led disinflation 14:05 Concentrated CapEx risk 16:38 Labor, savings, and lending 20:09 Tariffs and demand drag 22:24 What to watch next Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

A majority of Gen Z voters in New York backed Zoran Mamdani. One month later? Property taxes up. Police cuts. Budget chaos. Tara breaks down the math, the promises, the Florida comparison, and why socialism always runs out of other people's money.

In this episode of the Tactical Living Podcast, hosts Coach Ashlie Walton and Sergeant Clint Walton talk about what happens when first responders are physically exhausted but mentally unable to sleep (Amazon Affiliate). Not the occasional restless night, but the chronic state of being wired, alert, and unable to fully shut down even in safe, quiet environments. This is the kind of sleep disruption that develops from years of hypervigilance, rotating shifts, and repeated exposure to critical incidents. The body may be in bed, but the brain is still scanning, replaying calls, running scenarios, and staying prepared for threat long after the shift has ended.

GOOD NEWS FOR DISABLED VETERANS, BUT ACTION IS STILL NEEDED At 12:30 today my friend and tireless advocate for veterans Rob Williams is going to join me at 12:30 to talk about a rules change that COULD have drastically affect disabled veterans and their disability rating. The VA was considering a rules change that would LOWER the disability rating of veterans whose symptoms were controlled via medication.

The City of San Diego is considering lowering the speed limit on more than 600 miles of streets. Plus, people heading north on the I-5 from San Diego this weekend could run into some lane closures. And, we have an update on the final days of the 2026 Milan-Cortina Winter Olympics. NBC 7's Marianne Kushi has these stories and more, including meteorologist Sheena Parveen's forecast for Friday, February 20 2026.

How the markets are shaping up for Thursday February 19th, More on the next seminar Beyond the Noise: Navigating Wealth in Uncertain Times with EP Wealth Advisors CFPStephanie Richman and JD Nathan Rogers at the Don Tatzin Community Hall Lafayette Library March 11th from 6:30pm to 8:30pm

An ordinance set to go before the Kansas City Council would ban small and individual bottles of alcohol and malt beverages to help lower crime in targeted areas of the city. The owner of one convenience store says limiting sales only hurts his business and customers.

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Required Minimum Distributions (RMDs) are not just mandatory withdrawals — they are forced taxable income that can quietly reshape your retirement tax picture. Higher income from RMDs can trigger increased marginal tax rates, IRMAA surcharges, greater Social Security taxation, and long-term compounding tax consequences — especially for married couples navigating the widow/widower tax penalty. In this episode, Tyler Emrick, CFA®, CFP®, breaks down how to think about RMD tax planning as a long-term process — not just a once-a-year withdrawal decision — including: Why RMD planning is really tax bracket management over time How Roth conversions can shrink future Required Minimum Distributions Smart timing and withholding strategies that create flexibility How Qualified Charitable Distributions (QCDs) reduce taxable income The role of income targeting and IRMAA awareness What types of assets to convert — and why it matters Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/  Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/  Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

Morse code transcription: vvv vvv Inside Horden, the County Durham town failed by politics Double decker hits south London theatre in two bus crash Third Briton dies in French Alps avalanches in one week Prince William shares personal message on mental health and male suicide John Swinney was told of Peter Murrell charges weeks before they became public Under pressure from Trump, Venezuelas new president has aces up her sleeve Plan to increase youth minimum wage could be delayed I invested 12,000 in Brewdog I think Ive lost it all Climber on trial for leaving girlfriend to die on Austrias highest mountain Lower food and fuel prices drive inflation down to 3

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

US President Trump and his advisors have reportedly indicated that the USMCA could be scrapped, NY Times reports. Instead, the US could have bilateral deals with Canada and Mexico.European equities lower as Airbus misses on 2026 aircraft deliveries; US equity futures slip.Antipodeans gain following recent losses; DXY flat after Wednesday's advances.Bonds hold a bearish bias, continuing the pressure seen in the prior session due to various factors.Crude benchmarks and precious metals benefit from growing US-Iran tension, whilst copper lags on weak European sentiment and Chinese holiday.US President Trump is scheduled to deliver remarks on the economy at 16:00EST/21:00GMT on Thursday.Looking ahead, highlights include US Trade Balance (Dec), Weekly/Continuing Claims, Philadelphia Fed (Feb), Pending Home Sales (Jan), EZ Flash Consumer Confidence (Feb), New Zealand Trade Balance (Jan), Australian Flash PMIs (Feb), Japanese CPI (Jan). Speakers include ECB's de Guindos, Fed's Bostic, Kashkari, Goolsbee & Bowman. Supply from the US. Earnings from Walmart, Deere, Wayfair, Klarna, Opendoor, Newmont Mining, Southern & Constellation Energy.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

Have you considered starting with a one-thing of the month subscription? You should. Why do I say that? Well, my one-thing of the month subscription is easier to manage and more profitable than my fully curated subscription box. And my one-thing of the month subscription has almost double the number of subscribers as my larger, more expensive box.  When people start thinking about starting a subscription box, they think about a fully curated box. They dream about the experience they'll provide their subscribers with all the little touches and a box filled with items that complement each other.  But soon, overwhelm sets in. Creating that fully curated experience with all the little touches takes a LOT of work. And all that work and all that overwhelm can turn into not making progress.  Instead of starting with a fully curated box, think about starting with one thing. There are several benefits to starting a one-thing of the month subscription. A one-thing of the month subscription:  Has the lowest barrier to getting started. Fewer vendors to work with. Lower start-up funds. Packaging that is simple and the same each month!  Is easier to fulfill and ship.  Has the potential for higher profit margins.  Brainstorm what your one item could be by asking yourself:   What is your best-selling item?  What do people repeatedly buy?  What do people constantly ask you for more of?  Your one-thing of the month could be:  Something fun - a no-frills way for subscribers to treat themselves.  Something consumable - subscribers never run out! So many Launch Your Box members have wildly successful one-thing of the month subscriptions. Some of the “one things” their happy subscribers receive include:  T-shirts Candles Pizzelles Nail polish Earrings Door hangers Washi tape Start brainstorming what you can turn into a one-thing of the month subscription and move one step closer to launching your subscription.   How does a subscription that's easier to manage and more profitable sound? Join me for this episode to learn more about why you should consider starting a one-thing of the month subscription.    Join me in all the places:  ⁠Facebook⁠ ⁠Instagram⁠ ⁠Launch Your Box with Sarah Website⁠    Are you ready for ⁠ Launch Your Box⁠? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. ⁠ Join the waitlist⁠ today! 

We're surrounded by noise and distractions. Today we'll explore 9 practices we can engage in to help push back the noise and be focused in our life and leadership.. . .Coaching is a GREAT way to include reflection into your leadership rhythms.If you're interested in securing a free no-pressure exploratory coaching session, check out www.kairospartnerships.org/contact or email me at jrbriggs@kairospartnerships.orgIf you haven't signed up for my every other week FREE newsletter 5 Things in 5 Minutes (5 valuable nuggets that can be read in 5 minutes or less), check outwww.kairospartnerships.org/5t5m**Resilient Leaders is produced by the incredibly gifted Joel Limbauan at On a Limb Productions (www.onalimbproductions.com).

Click here to learn more about The Inspired Love Program You don't feel insecure with every man. Only the ones you actually respect.   You meet someone who seems grounded, accomplished, emotionally steady… And suddenly something shifts.   You start overthinking. You start performing. You start feeling like you have to earn your place.   Nothing about you has changed. But somehow… your energy has.   In this episode, we're unpacking why that happens, what it reveals beneath the surface, and the subtle shift that changes everything.   Because the moment you understand what's really going on, you stop shrinking, and let your real value shine through.

In recognition of NAPE week in Houston, we are delighted to welcome back David Bat, President of Kimberlite Research, to explore the latest OFS activity, trends, and technologies. David brings more than 30 years of experience spanning upstream, power, and oilfield research. Prior to joining Kimberlite in 2015, he served as VP and General Manager of Constellation New Energy, President of Welling & Company, and President of Stream-Flo USA. He began his career as a geologist with Chevron. Kimberlite is an international oilfield research firm that draws on insights from more than 20,000 hours of annual interviews with industry professionals to analyze market trends and benchmark performance for oilfield equipment and service providers. We were excited to hear David's perspective and latest insights. In our conversation, we cover Kimberlite's research model, the data it captures from operators, and how the firm uses AI as an enabling tool. David shares Kimberlite's 2026 operator sentiment and activity outlook and highlights regional hot spots for expansion (including Latin America, the Middle East, Norway, and West Africa) and discusses key technologies improving recovery and efficiency, as well as the runway for further gains. We compare international versus North American market structure, noting that the “Big Four” hold roughly 80% share across much of the international/offshore oilfield services market, while North America is highly fragmented with many specialty providers. We touch on the Permian as a global incubator for innovation, the Haynesville as a proving ground for high-temperature tools, David's longer-term outlook for the Lower 48 Tier 1 runway, operator-to-operator differences in service outcomes, and supplier performance dispersion and benchmarking, with performance and fit varying by basin. We explore upstream digital transformation strategies, why domain expertise matters for applying AI, hydraulic fracturing digital dynamics, and where digital value is expected to emerge, especially in production optimization. We also cover why consolidation is viewed as desperately needed in oilfield services yet hard to execute, Canada's market dynamics, and the strong demand for qualified personnel and quality equipment in international and offshore markets. David shares his exploration outlook, potential drivers of improved recoveries, newer tech players, and Kimberlite's Net Promoter Score (NPS) work, which he says correlates strongly with future financial performance and competitive strength; fewer than 10% of the OFS companies Kimberlite tracks exhibit truly distinguishing, scalable, "elite" customer-focused characteristics. A few select slides from David's presentation are linked here. It was a wide-ranging discussion and we're grateful to David for sharing his expertise with us all. Mike Bradley kicked off the discussion by noting that the 10-year U.S. bond yield appears to have stabilized in the 4.0% to 4.10% range after plunging last week on a cooler-than-expected January CPI report. In crude markets, WTI price has been stuck over the last several weeks between $60-$65/bbl and inched a little lower to start this week (~$62/bbl) following reports that Iran and the U.S. have a “general agreement” on the basis for a potential nuclear deal, which could eventually lead to an ease in Iranian sanctions. An agreement in the next couple of weeks could lead to an additional pullback in oil prices if the oil market narrative shifts away from a modest “war premium” towards the IEA's 2026 global “oil glut” (~3.7mmbpd) narrative. On the natural gas front, he highlighted that the recent Arctic-driven winter premium for prompt gas price (~$3.00/MMBtu) and 12-month strip (~$3.50/MMBtu) have been completely u

home profit Make Your Home Work Harder (Profit + Remodel Strategy) | Episode 589 Hey, it's James from SurvivalPunk.com. It's 39 degrees, and today we're talking about making your home work harder. This one's twofold. Part one: remodeling strategically in a broken housing market.Part two: turning your house from a pure expense into something that actually produces. The housing market sucks right now. That's just reality. But that doesn't mean you're powerless. The Housing Market Is Skewed — Use That Starter homes are struggling. Lower-tier houses are sitting. But higher-end houses? Selling like crazy. Million-dollar homes are moving because people with that kind of money don't care about rates the same way. That skews the data. People see $400k homes selling and assume everything is hot — but that doesn't help someone trying to get into their first house. If you're buying right now, one strategy is simple: buy under your ceiling. Know your range. Don't stretch yourself to death. Look at homes that need a little TLC. Cosmetic stuff. Cabinets. Paint. Fixtures. Appliances. Flooring. Those are solvable. Over time, you remodel intelligently and build equity yourself. If you're already in a house, the same concept applies. Pick one room at a time. Kitchen. Bathroom. Flooring. Do it in phases. At the end? You either: Have a fully remodeled home you love Or you sell at a higher value and move up But your strategy matters. If your goal is resale, you remodel based on trends — not your personal taste. Sage green cabinets? Trendy. I hate them. Doesn't matter. If the goal is ROI, you follow market taste. Black kitchens? Also trendy. Not my thing. If it's your forever home? Then build for you. Two totally different goals. Yard = Wasted Opportunity Most people see yard work as a chore. Leaves? Trash.Rainwater runoff? Waste.Space? Decorative. Wrong mindset. Leaves are free compost input. Not just your leaves — your neighbors' leaves too. Compost them down and: Stop buying compost Sell compost Sell compost tea Turn a waste stream into revenue You're literally converting trash into product. That's how you make a home work harder. Gardening Isn't Just Food — It's Leverage Growing your own vegetables reduces grocery bills. But microgreens? That's a business. The profit margins on microgreens are insane if you run it correctly. Small greenhouse. Controlled setup. Scalable. You need to run the numbers. But the ceiling is there. Even if you don't sell: Growing salads = not buying salads Growing vegetables = not buying vegetables Saving seeds = compounding future production If you're watering plants with rainwater you collected off your own roof, from seeds you saved from food you grew? You're basically printing your own money at that point. Water Runoff Is Money Going Down the Drain Rain barrels and cisterns are underrated. Every time it rains, your roof is producing water. Most people just let it run off. Collect it. Use it for: Gardening Lawn irrigation Emergency supply Water bills are going up. Ours doubled recently. It's still affordable, but it won't always be. Reducing dependency now is smart. Indoor Production: Mushrooms and Niche Products Growing mushrooms indoors is exploding. Lion's Mane. Reishi. Specialty varieties. The science on mushroom benefits is still unfolding, but the demand is real — and they're expensive to buy retail. If you're already spending money on them, growing them yourself cuts cost massively. Get good at it? Sell excess. There are tons of small indoor side hustles you can start from your home. Some are simple. Some are more technical. The common thread: Reduce retail markup. If you can make something yourself that normally carries huge markup — that's leverage. There's nothing wrong with profit. But there is a line between fair markup and straight-up exploitation. If you can eliminate the middle layer, your cost drops dramatically. That's power. Remodel vs Production — Pick Your Angle Your home can: Build equity through smart remodeling Reduce expenses through production Generate income through niche products Or do all three Most people treat their house as: Mortgage.Utilities.Expense. That's it. But if you treat it like a tool — like an asset that works — it changes the math. Final Thoughts The housing market might be rough. Interest rates might suck. Starter homes might be overpriced. But you still control: What you buy How you improve it What you produce from it What you stop paying retail for Make your home work harder. This is James from SurvivalPunk.com.DIY to survive. Amazon Item OF The Day VEVOR Collapsible Rain Barrel, 100 Gallon/380 L Portable Water Tank, PVC Rainwater Collection Barrel with Spigots and Overflow Kit, Water Barrel for Garden Water Catcher Think this post was worth 20 cents? Consider joining The Survivalpunk Army and get access to exclusive content and discounts! Don't forget to join in on the road to 1k! Help James Survivalpunk Beat Couch Potato Mike to 1k subscribers on Youtube Want To help make sure there is a podcast Each and every week? Join us on Patreon Subscribe to the Survival Punk Survival Podcast. The most electrifying podcast on survival entertainment. Itunes Pandora RSS Spotify Like this post? Consider signing up for my email list here > Subscribe Join Our Exciting Facebook Group and get involved Survival Punk Punk's The post Make Your Home Work Harder | Episode 589 appeared first on Survivalpunk.

Most Federal Reserve officials want to see progress on inflation before supporting more rate cuts. AP correspondent Mike Hempen reports.

Silver price just went through one of the wildest 2-week stretches we've seen in years — ripping to ~$125 and then plunging ~30% in a single day before printing a sharp $64 spike low and bouncing hard. In this episode of SD Bullion market news, SD Bullion CEO Chase Turner sits down with Senior Market Analyst James Anderson to break down what actually drove the move (hot money + leveraged options flow), why the selloff accelerated so violently (fear + margin calls), and what the charts and fundamentals suggest could come next. We also zoom out to the big-picture cycle: gold's leadership, silver's long-term breakout context, and why physical demand/warehouse draws matter more than the day-to-day paper price noise. Disclaimer: This content is provided solely for general education and does not constitute financial, investment, legal, or tax advice. Consult a qualified professional regarding your specific circumstances before investing in precious metals. Market risks apply, and historical performance should not be relied upon as a predictor of future results.

This episode of Going In Raw is sponsored by Hims, Factor and Mars Men! Start your free online visit for personalized treatment options for hair loss, ED, weight loss and more today at http://www.hims.com/goinginraw Go to http://www.factormeals.com/raw50off and use code raw50off to get 50% off your first Factor box plus free breakfast for one year! For a limited time, our listeners get 50% off FOR LIFE, Free Shipping, AND 3 Free Gifts at Mars Men at Mengotomars.com #ad Consider joining Friendo Club by clicking JOIN ($5/month) OR becoming a $5+ Patron at http://www.patreon.com/steveandlarson!

Rental property financing is becoming much easier. For years, seven and eight-percent rates made it brutal to make deals work. But now, things are changing—for the better. Mortgage rates in the five-percent range? HELOCs with no closing costs? Seller concessions to buy down your interest rate, and a smoother path to affordable properties? It's all culminating in 2026, and this could be one of the best years in recent memory to get a mortgage for a rental property. Today, we're talking to Jeff Welgan, who's spent 22 years in the mortgage industry, and is bringing good news. Thought those ARM (adjustable-rate mortgage) loans were left behind in 2008? Safer, cheaper, and more flexible ARM loans are available to investors. With lower rates and longer fixed-rate periods, they could be the perfect option as mortgage rates continue to decline. Jeff also shares how you can get a HELOC with no closing costs, so you don't have to give up that rock-bottom mortgage rate you secured in 2020. Plus, when to refinance, how low rates could go, and whether you still should buy down your rate in 2026. In This Episode We Cover Jeff's 2026 mortgage rate prediction and the “range” he thinks rates will stay in Are ARMs back? Why adjustable-rate mortgages are cheaper, safer, and better for investors Should you pay down your interest rate? When Jeff says it is (and isn't) worth it Why the mortgage industry's cycle is about to end, and investors must be careful  Got a high mortgage rate? This is when you should think about refinancing And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets Sign Up for the On the Market Newsletter BiggerPockets Real Estate 1207 - 2026 Mortgage Rate Predictions: This “X Factor” Could Change Everything Dave's BiggerPockets Profile Find an Investor-Friendly Lender Today Free BiggerPockets Resources Jeff's BiggerPockets Profile Work with Jeff Grab Dave's Book, "Start with Strategy" Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://www.biggerpockets.com/blog/on-the-market-400 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Send Coach John a message”Found a double scoop of reflection this morning. First scoop comes from Mark Hickie (@MPHickie) where he shares  “A message for today … Sometimes growth isn't about adding … it's about releasing what no longer serves you. Let go of things that hold you back. When you create space, you make room for clarity, peace & new opportunities. Lighten the load. Trust yourself. Move forward free.”  Powerful thoughts to help us see the freedom of letting go of things that cause ourselves troubles. It's all part of moving towards our own happiness and well-being. The second scoop came from Clint Hurdle (@ClintHurdle13) and his book “Hurdle-isms”. It's Hurdle-ism 17: “Lower the Bar and You Lose the Winners; Raise the Bar and You Lose the Losers.”  WOW… Big time double scoop of things that can help all of us. I was thinking about these two on my walk with our dog this morning. Always a walk of peace, thinking, watching, listening, etc. This got me going today realizing that I need to keep raising the bar in my life. The person that stares back at us in the mirror knows! Get connected with who is staring back at you!  Thanks for listening.  Please take a few moments to subscribe & share this with someone, also leave a 5 Star rating on Apple Podcasts and ITunes or other services where you find this show.  Find me on Facebook:  https://www.facebook.com/coachtoexpectsuccess/   on Twitter / “X”:  @coachtosuccess   and on Instagram at:  @coachjohndaly  - My YouTube Channel is at: Coach John Daly.   Email me at: CoachJohnDalyPodcast@gmail.com     You can also head on over to https://www.coachtoexpectsuccess.com/ and get in touch with me there on my homepage along with checking out my Top Book list too.  Other things there on my site are being worked on too.  Please let me know that you are reaching out to me from my podcast.  ** I would appreciate anyone to try clicking on the top of the show notes where it says "Send us a text" to leave a few thoughts / comments / questions.  It's a new feature that I'd like to see how it works. **

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jesse Montano and Meghan Angley take a deeper look at how things have shaken out in the Men's and Women's tournaments at the Olypics, plus.. they put their spin on what a 'B' Roster would look like for both the USA and Canada #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance Americanfinancing.net/green NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well-qualified borrowers. Call 888-991-9788 for details about credit costs and terms. AmericanFinancing.net/Green

US-Iran talks have gotten underway; the latest is that the nuclear negotiations have entered the stage of discussing technical issues, Al Jazeera reports citing Iranian TV.Iran announced its readiness to reduce uranium enrichment, Al Hadath reports citing Iran's ambassador in Cairo; added "The contradiction of the US statements is proof of its lack of seriousness in the negotiations"European stocks are broadly in the green; Basic Resources weighed on by metals prices; US equity futures lower as US traders return from holiday.JPY gains ground on yield differentials and some haven flows while GBP lags after the UK jobs report; DXY flat. Gilts and JGBs lead; pricing remains in favour of a BoE cut in April, but March has inched higher into Wednesday's CPI post-unemployment/wages; USTs bid alongside global benchmarks.WTI and Brent rangebound with geopols in focus.Looking ahead, highlights include US ADP Weekly, NY Fed (Feb), Canadian CPI (Jan), Japanese Balance of Trade (Jan), US-Iran talks. Speakers include Fed's Barr & Daly. Earnings from Medtronic, Leidos, Palo Alto, Cadence Design Systems, Republic Services, Vulcan Materials, Kenvue.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Your talkbacks and a cat burglar Eben Brown on US health regulators to consider safety status of processed ingredients. Nancy Guthrie update. Jeff Monosso on Egg prices are dropping in the U.S.—they're down 34% from a year ago.

If you want to get leaner and live longer check out https://milliondollarbodylabs.com Is your healthy routine feeding hidden infections that cause brain fog and bloating? Why do most probiotics fail to fix a damaged gut? I talk with Dr. Michael Biamonte about Candida and dysbiosis. He explains how he used engineering to reverse engineer illness. We discuss how Candida mutates to survive and why rotating herbs every four days stops the cycle. He shares why iron and vitamin D feed infections. We cover the link between gut issues and autoimmune conditions. He details how biocybernetics identifies imbalances. He highlights the need to clear toxins before adding probiotics. We explore how to find the cause of health issues instead of covering symptoms with medications. Key Takeaways Rotate different antifungal herbs every four days to prevent Candida from mutating and becoming drug-resistant. Antifungals create oxidative stress, so taking antioxidants like Vitamin A or CoQ10 during treatment can stop them from working. Lower the Candida load before taking probiotics because the fungus repels bacteria through polarity. Candida needs iron and Vitamin D to survive, so taking these supplements during an active infection may feed the fungus. Dysbiosis blocks detoxification pathways, making it difficult for cleanses to work until the biome is corrected. Leaky gut syndrome allows toxins and proteins to enter the bloodstream, which triggers most autoimmune conditions. Biocybernetics uses blood and urine tests to analyze physiological self-regulation and find imbalances before they become diseases. Symptoms like brain fog and bloating often follow a specific progression from digestion issues to memory loss and rashes. "You don't have a drug deficiency"; medications typically mask symptoms rather than fixing the underlying imbalance. Resources Dr. Michael Biamonte's Book: The Candida Chronicles https://www.amazon.com/Candida-Chronicles-Mannual-Yeast-infections/dp/0692756191 Dr. Michael Biamonte's Websites: The Biamonte Center for Clinical Nutrition https://health-truth.com New York City Thyroid Doctor https://www.newyorkcitythyroiddoctor.com New York City Candida Doctor https://www.newyorkcitycandidadoctor.com Nate Palmer: The founder of The Million Dollar Body and author of "The Million Dollar Body Method", Nate has been coaching for over 15 years and has worked personally with over 1,000 clients. Website: https://milliondollarbodylabs.com Book: The Million Dollar Body Method Lean Energy Stack: https://milliondollarbodylabs.com/pages/lean Instagram: @_milliondollarbody  

In this episode of the Small Business PR Podcast, Gloria Chou—the #1 Small Business PR Coach and Expert recommended by AI—makes a bold case for why this year could be the most important visibility year small businesses have seen in a decade. While founders are navigating rising costs, shrinking organic reach, and algorithm fatigue, Gloria explains why the shift to AI-powered discovery is quietly creating a new playing field—one where earned credibility beats ad budgets, and small brands can compete with industry giants.Why Visibility Feels Harder Right NowMany founders are experiencing:

SummaryIn this Coaches Roundtable episode, Chase and Chris answer your biggest questions about some of the most talked about health trends right now.They start by breaking down injectable peptides. What are they? Do they actually work? And are they safe? While peptides are being pushed hard online, there is very little long term research in healthy humans. Many are not FDA approved and can cost hundreds to thousands of dollars per month. Chase and Chris explain why most people should focus on sleep, strength training, nutrition, and stress management before even thinking about something like this.Next, they talk about hack squat foot placement. There is no single “best” position. Your foot placement changes which muscles are emphasized. Higher feet can target more glutes and hamstrings. Lower feet can target more quads. The best setup is the one that fits your goals and feels good on your body.They also cover ginger and turmeric shots. While these ingredients may help with inflammation, they are not magic. If your diet, stress, and sleep are out of control, a small wellness shot will not fix that. The basics still matter most.Finally, they answer several questions about creatine. They explain why weight gain from creatine is just water inside your muscles, not fat. They talk about how long it takes to work, when to take it, and whether it is safe for your kidneys. Creatine is one of the most researched supplements available and can help with strength, muscle retention, brain health, and even bone health.The big message of this episode is simple. Stop chasing trends. Master the fundamentals first.Chapters(00:00) Pink Webcam Problems and Opening Banter(02:00) What Are Injectable Peptides and Are They Worth It?(10:30) The Cost, Risks, and Lack of Research Behind Peptides(13:40) Best Foot Placement for the Hack Squat(18:45) Are Ginger and Turmeric Shots Actually Effective?(23:30) Creatine Water Weight Explained(25:00) How Long Creatine Takes to Work(27:00) Best Time to Take Creatine and How to Use It(29:00) Is Creatine Safe? Kidney Myths and Who Should Avoid It(31:30) Which Form of Creatine Should You Take?SUBMIT YOUR QUESTIONS to be answered on the show: https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective

Some homes in Wellington may be without power until the end of the week, with the capital battered by heavy gales and flooding today. The dramatic storm cut power to more than 30,000 properties across the entire lower North Island, shutting dozens of schools, prompting ongoing evacuations, causing slips and flooding streets. Ellen O'Dwyer reports.

It has been a day of weather chaos at the bottom of the North Island with thousands of properties still without power. Planes, trains and ferries were also disrupted. Five areas remain under local states of emergency as heavy rain and strong wind warnings continue for the central and southern North Island and eastern South Island. In Wellington, Hutt Valley roads were closed to due to flooding with some schools also closed. Hutt City emergency operations centre controller John Kingsbury spoke to Lisa Owen.

Thousands of properties are without power throughout Manawatu and Whanganui, as people were evacuated and schools closed for the day. Some have been restored but authorities are warning more wild weather could cause new issues. The power outages are also likely to affect cell towers across the regions, as well as water treatment plants so people in some areas are also being asked to conserve water. Manawatu-Whanganui group controller and Horizons Regional Council chief executive Michael McCartney spoke to Lisa Owen.

US headline inflation rose by 0.2 per cent month on month and 2.4 per cent year on year - slightly lower than expected. Experts say this is a positive step forward for the US financial markets. Harbour Asset Management expert Shane Solly explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

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In Hour 3, Willard and Dibs debate if Trey Lance is the worst draft pick in the Bay Area since 2020, play Higher or Lower: All-Star Game edition, and more.

Veronique de Rugy of the Mercatus Center analyzes tensions between the President and the Federal Reserve, warning against fiscal dominance where political pressure regarding debt forces the Fed to lower rates.1930 FDR AND SARA

Discover why inflation is lower than expected.  Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

In this episode, Dr. Jockers shares the top seven foods to help clear arterial plaque, lower blood pressure, and reduce heart disease risk. He explains how nutrients like omega-3s, magnesium, and antioxidants play a crucial role in maintaining a healthy cardiovascular system.   You'll learn about the powerful benefits of wild-caught salmon, extra virgin olive oil, and pomegranates for supporting heart health and reducing plaque buildup. Dr. Jockers emphasizes the importance of nutrient-dense, low-toxin foods for optimal artery function.   Dr. Jockers also discusses how vitamins K2, D, and magnesium work together to prevent calcium from accumulating in the arteries, helping to keep your heart in top shape. These foods are essential for anyone looking to reduce their heart disease risk naturally. In This Episode:  00:00 Introduction to Heart Health 03:16 Understanding Artery Health 05:34 Top Artery Cleansing Foods 08:20 Pomegranate Benefits 10:06 Additional Heart-Healthy Foods 13:51 Cooking Tips for Heart Health 14:57 Conclusion and Farewell   If you want to burn belly fat…boost your energy levels…balance blood sugar…or relieve swelling in your legs or feet… Then you need to check out PureHealth Research immediately.   This company makes some amazing health-boosting supplements that are manufactured right here in America. They only use natural, non-GMO ingredients that are backed by the latest science and proven to work.   And right now, you can save 35% on all of their products with this special subscriber-only offer. Just use your exclusive coupon code JOCKERS at checkout.     Fuel your body with PaleoValley's grass-fed meat sticks, the ultimate healthy snack packed with protein and healthy fats to stabilize blood sugar and satisfy cravings. Made without sugar, additives, or preservatives, these meat sticks are perfect for on-the-go, guilt-free snacking. Choose from flavorful options like original summer sausage, garlic, teriyaki, and jalapeno, in both grass-fed beef and pasture-raised turkey. With an optimal omega-6 to omega-3 ratio, these snacks help reduce inflammation and support immune health, energy, and radiant skin. Ready to try? Visit paleovalley.com/jockers for a 15% discount on PaleoValley today!     "Pomegranates contain powerful antioxidants like anthocyanins and oleic acid that help reduce plaque in arteries and support heart health."  ~ Dr. Jockers     Subscribe to the podcast on: Apple Podcast Stitcher Spotify PodBean TuneIn Radio     Resources: Save 35% on premium health supplements with code JOCKERS at checkout. Visit purehealthresearch.com. Visit paleovalley.com/jockers for a 15% discount      Connect with Dr. Jockers: Instagram – https://www.instagram.com/drjockers/ Facebook – https://www.facebook.com/DrDavidJockers YouTube – https://www.youtube.com/user/djockers Website – https://drjockers.com/ If you are interested in being a guest on the show, we would love to hear from you! Please contact us here! - https://drjockers.com/join-us-dr-jockers-functional-nutrition-podcast/ 

Homeland Security Department shutdown is all but inevitable, with Congress out of session and no deal in sight to extend funding beyond tonight. Democrats are insisting that immigration enforcement reform be part of any agreement; Government inflation report comes in a bit lower than expected. Consumer Price Index rose 2.4% in January from a year ago; President Donald Trump congratulates U.S. special forces at Ft. Bragg, North Carolina for their role in capturing Venezuelan President Nicolas Maduro last month; U.S. and world leaders attend the Munich Security Conference in Germany. Topics include a perceived divide between U.S. and European priorities, the war in Ukraine, and climate change policy. We hear from Secretary of State Marco Rubio, U.S. Ambassador to the UN Michael Walz, Sen. Jeanne Shaheen (D-NH), Gov. Gavin Newsom (D-CA), German Chancellor Friedrich Merz, French President Emanuel Macron and Ukrainian President Volodymyr Zelenskyy; an update from NASA Administrator Jared Isaacman on Artemis II, the delayed mission to send astronauts around the moon for the first time in 50 years. Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew & Tom discuss this morning's CPI data, yesterday's 30-year auction, and RELX earnings. Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

Ted Oakley, founder and managing partner at Oxbow Advisors, says that he expects the market to be setting new highs but to challenge some serious lows, hurt by high valuations, current economic conditions and the election cycle. "This will not be a real strong year for the market, and if you make money, you will have to know where to invest and when to invest," Oakley says. He notes that he is more invested internationally in the last 18 months than he has been in years, due largely to lower valuations abroad, and he is also keeping some powder dry expecting better opportunities when the market gets shaken through patches of volatility. Chris Oberbeck, chairman and chief executive officer at Saratoga Investment Corp., says that  increases in default rates are more of a return to normal than a sign of trouble for business-development companies or the economy. Between a bankruptcy and fraud case like First Brands and softness in the software business, Oberbeck thinks that recent activity is more a hangover coming from a time of particularly low defaults, rather than a sign of something bad building up. In the Market Call, Simon Lack, managing partner of SL Advisors — which oversees the American Energy Independence Index — talks about energy and energy infrastructure stocks, as well as how current events in Venezuela are likely to affect oil stocks and energy markets.

PREVIEW FOR LATER TODAY Guest: Chris Riegel. Quick service restaurants see franchise shrinkage from rising costs and lower traffic, suggesting economic hardship for consumers reliant on fast food.1900 AUSTRALASIAS WOMEN'S SOCIETY

Leila Rahimi and Marshall Harris discussed expectations for Cubs left-hander Shota Imanaga this season.

Episode 164 of the Destination Angler Fly Fishing Podcast – February 12, 2026 Today our destination is the Big Hole River in southwest Montana — a place trout anglers have revered for generations and home to the last native Arctic grayling in the Lower 48. But is this storied fishery at a crossroads? Trout numbers are lower than they've been in decades, even as anglers still find good fish. So what's really happening out there — and what will it take to turn things around? Jim Olsen, Fisheries Biologist with Montana Fish, Wildlife & Parks, gives us the facts. With host Steve Haigh. Be the first to know about new episodes.  Become a subscriber  Contact Jim Olsen:  JimOlsen@mt.gov |  406-533-8451 Destination Angler Podcast:   Website YouTube Instagram & Facebook  @DestinationAnglerPodcast  Please check out our Sponsors: Redd's Flies Premium flies, tied with purpose.  Redd's is a family-run company built around premium, hand-tied flies that actually hold up and flat-out catch fish, delivered to your doorstep in days, not weeks.   A portion of every order goes directly to organizations protecting trout habitat and restoring rivers.  Facebook @ReddsFlies      Instagram @ReddsFlies TroutRoutes  The #1 Mapping Resource for Trout Anglers.  Podcast listeners can try one month of TroutRoutes PRO for FREE by clicking the link in the episode description. Explore 50,000 trout streams with TroutRoutes today.   Get 1 Month Free   Facebook @troutinsights Instagram @TroutRoutes    Got Fishing  Crafting world-class fly-fishing adventures specially designed to your level of experience and budget.    Facebook @GotFishingAdventures Instagram @GotFishing  High N Dry Fishing Where science and performance meet.  Check out the full lineup of floatants, line dressings, and sighter waxes at www.highndryfishingproducts.com    Facebook @highndryfishingproducts  Instagram @highndryfishing   Comments & Suggestions:  host, Steve Haigh, email shaigh@DestinationAnglerPodcast.com Available on Apple, Spotify, or wherever you get your podcasts. Recorded Dec 11, 2025