Podcasts about Market

What if there was a way to instantly get in front of new customers who are already primed to trust you? In today's episode, we're digging into the power of collaborations—one of the smartest and most underused marketing strategies for farmers. You'll hear real-life examples of creative partnerships that drive sales, grow your audience, and build deeper community connections—without spending a ton of money. What You'll Learn What a collaboration looks like in farm marketing (with tons of inspiring examples—from mocktail nights to pop-up dinners to recipe card partnerships). How to “borrow the trust” of another brand's audience (and why that matters!). Simple, low-lift collaboration ideas you can try this season—online and in person. How to plan, pitch, and execute a collaboration that actually helps both partners succeed. The key mistakes to avoid when collaborating (so you don't waste time or burn bridges). Smart ways to turn a one-time collab into a recurring campaign. Today's Podcast Guest: Erika Tebbens, Taste the Local Difference Erika Tebbens is the Director of Impact at Taste the Local Difference and a marketing expert with twenty years experience running businesses of all kinds, including farming and beekeeping. TLD is a woman-owned and woman-led marketing agency for purpose-driven food and farm businesses. Before joining TLD, Erika spent a decade working with entrepreneurs on their sales and growth strategy as a highly-respected business consultant for entrepreneurs.

Beauty brand founder, Priyanka Ganjoo, created Kulfi Beauty with a mission to celebrate South-Asian culture and allowing room for embracing diversity, community, and joy. In just a few years, Priyanka went from being on the corporate side of the beauty industry to launching the first South Asian-owned makeup brand in all Sephora stores across North America. She is driven by a mission to celebrate individuality, and the result is that Kulfi has cultivated a thriving, engaged community while also tying in to her original purpose of filling a major gap in the beauty market. Her company is successfully bridging South Asian beauty with mainstream appeal, which is easily demonstrated by looking at their social media, models, branding, and more.Priyanka worked on the corporate side of the beauty industry for 5 years and saw first-hand how South Asians were underrepresented. After constantly searching for products that matched her skin tone and feeling like an outsider in the industry, she wanted to create more inclusive products. She launched Kulfi in 2021. Shortly afterwards, Kulfi's cult-favorite kajal eyeliners, concealers, and eyeshadows won awards from Allure and Byrdie. Contact Info:Priyanka Ganjoo - GuestPriyanka Ganjoo (Instagram)Kulfi Beauty websiteJulie Berman - Hostwww.womenwithcooljobs.com@womencooljobs (Instagram)Julie Berman (LinkedIn) Send Julie a text!!------------------------------------------------------------------------------------------ I absolutely LOVE being the host and producer of "Women with Cool Jobs", where I interview women who have unique, trailblazing, and innovative careers. It has been such a blessing to share stories of incredible, inspiring women since I started in 2020. If you have benefitted from this work, or simply appreciate that I do it, please consider buying me a $5 coffee. ☕️ https://www.buymeacoffee.com/julieberman Thank you so much for supporting me -- whether by sharing an episode with a friend, attending a LIVE WWCJ event in Phoenix, connecting with me on Instagram @womencooljobs or LinkedIn, sending me a note on my website (www.womenwithcooljobs.com), or by buying me a coffee! It all means so much.

Multifamily expert Ashley Wilson joins us to break down how she's navigating the challenges and opportunities in today's unpredictable real estate market—from distressed assets and multifamily deals and debt to where she still sees upside for savvy investors. In this episode, Ashley shares how she got started in real estate back in 2009, how she chose her early investments, and the strategy that helped her scale into large multifamily projects across 1,500+ units. We also dive into how she looks at deals in 2025, the biggest mistakes she sees investors make, and what's changed the most about the multifamily landscape in the past year. Whether you're just getting started or looking for your next move in a shifting market, this conversation is packed with practical insight from one of the industry's most respected voices. LINKS CHECK OUT OUR NEW WEBSITE & BECOME A MEMBER (IT'S FREE)! https://realwealth.com/join-step-1 FOLLOW OUR PODCASTS The Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS Real Estate News: Real Estate Investing Podcast: https://link.chtbl.com/REN FREE RealWealth® EDUCATION & TOOLS RealWealth Market Reports: https://realwealth.com/learn/best-places-to-buy-rental-property/ RealWealth Videos: https://realwealth.com/category/video/ RealWealth Assessment™: https://realwealth.com/assessment/ RealWealth® Webinars: https://realwealth.com/webinars/ READ BOOKS BY RealWealth® FOUNDERS The Wise Investor by Rich Fettke: https://tinyurl.com/thewiseinvestorbook Retire Rich with Rentals by Kathy Fettke: https://tinyurl.com/retirerichwithrentals Scaling Smart by Rich & Kathy Fettke: https://tinyurl.com/scalingsmart DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com

Cramer and Jeff discuss investors buying “cold” stocks, healthcare performance, and trade deals. Become a CNBC Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks as they talk candidly about the market's biggest headlines. Signup here: cnbc.com/morningtake CNBC Investing Club Disclaimer

Frank Holland and the Investment Committee debate whether the rally is running on fumes as the market gears up for tech earnings. Plus, Stephanie Link details her latest portfolio move in the banking sector. And later, Josh Brown gives an update on his “Best Stocks in the Market.” 

In the latest Market Signals podcast, LPL Research's Chief Equity Strategist Jeffrey Buchbinder and Chief Fixed Income Strategist Lawrence Gillum recap another positive week for stocks on supportive economic data and earnings news, weigh in on the debate about Fed Chair Jerome Powell's tenure, and react to the start of earnings season. Tracking: #772080

Australian Luke Cazaly is the owner of Flametech Heating & Cooling. Luke is a longtime friend of the pod, it was fun catching up with him and talking business and family. Thanks Luke!TakeawaysLuke has been in the heating and cooling industry for 16 years.Using software like Service Mate has streamlined his operations.Market research helped him set competitive pricing.He leaves gaps in his schedule for emergencies and paperwork.Building a reputation with manufacturers is key to success.Luke is considering hiring qualified personnel for growth.Send us a textSend us your feedback or topic ideas over on our social channels!Eric Aune @mechanicalhub Andy Mickelson @mick_plumbNewsletter sign up: https://bit.ly/MH_email

https://garykaltbaum.com/

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

Carl Quintanilla and Jim Cramer started the hour with a look at the busy earnings season ahead. Verizon kicked off the party with a beat and raised guidance, which sent shares of the company higher in early trading. The anchors also turned to a WSJ report that said Sec. Bessent laid out the case against firing Fed Chair Powell to the president. Trump later took to Truth Social to refute the story saying “I know better than anybody what's good for the Market, and what's good for the U.S.A.” Later in the show, the desk also turned to some of the day's biggest movers, including a giant jump for Block following the company's inclusion into the S&P 500.  Squawk on the Street Disclaimer

Howard and Ahsan take a deep dive on the keeper situation at City, defence, and the rest of the squad, in a massive show. *This is the first 15 minutes of the show. For the full episode, and all our other content on the 93:20 player, you can join below - for less than the price of a pint of beer each month.* ninetythreetwenty.com/9320-player/about-9320-player/ SIGN UP FOR OUR NEWSLETTER! A FREE WEEKLY UPDATE WITH NEW CONTENT GUARANTEED AND A WHOLE LOT MORE. CLICK THE LINK BELOW AND ENTER YOUR EMAIL IN THE BOX. ninetythreetwenty.com/contact/

Listener Marc ponders the “VR headset market” and wants to know what makes a market a market. John Siracusa and Jason Snell.

Ben and Tom give their thoughts on last week's market and the Wall Street Journal's article on Atlanta's growth slowing. Song: Still The Same - Bob Seger & The Silver Bullet BandFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

Michal Tapia (she/her/ella) is a proud Latina, mother of three, first-generation professional, and the founder of M.Tapia Consulting, a leadership and workplace equity firm focused on creating meaningful experiences that foster inclusion, connection, and authentic leadership. With over two decades of experience across nonprofit, healthcare, and academic sectors, Michal helps individuals and organizations build cultures rooted in trust, belonging, and purpose.She is also a doctoral candidate researching psychological safety for Latina professionals, blending lived experience with research to drive meaningful and practical change. Through workshops, consulting, and thought partnership, Michal equips leaders with the tools to lead with courage and create space for others to thrive.Michal is the creator of The Courage Connection, a newsletter focused on amplifying underrepresented voices, sharing lessons in leadership, and providing actionable strategies for personal and professional growth. Her work centers humanity, celebrates identity, and invites others to lead with intention, integrity, and heart. ______________________________________________________________________ The Edupreneur: Your Blueprint To Jumpstart And Scale Your Education BusinessYou've spent years in the classroom, leading PD, designing curriculum, and transforming how students learn. Now, it's time to leverage that experience and build something for yourself. The Edupreneur isn't just another book; it's the playbook for educators who want to take their knowledge beyond the school walls and into a thriving business.I wrote this book because I've been where you are. I know what it's like to have the skills, the passion, and the drive but not know where to start. I break it all down: the mindset shifts, the business models, the pricing strategies, and the branding moves that will help you position yourself as a leader in this space.Inside, you'll learn how to:✅ Turn your expertise into income streams, without feeling like a sellout✅ Build a personal brand that commands respect (and top dollar)✅ Market your work in a way that feels natural and impactful✅ Navigate the business side of edupreneurship, from pricing to partnershipsWhether you want to consult, create courses, write books, or launch a podcast, this book will help you get there. Stop waiting for permission. Start building your own table.Grab your copy today and take control of your future.Buy it from EduMatch Publishing https://edumatch-publishing.myshopify.com/collections/new-releases/products/the-edupreneur-by-dr-will

What happens when a yoga entrepreneur takes the reins as CMO in one of the stiffest industries around?In this episode, Kate Brown joins me to talk about what it really takes to lead marketing inside a legacy space like insurance and how to challenge everything from team structure to brand messaging without losing trust along the way.We dive into what it means to earn leadership through action, how to rebuild marketing from the trenches, and why being obsessed with micro moments might be the most underrated skill a CMO can have. From integrating behavioral science to refining internal playbooks, Kate shares a rare behind-the-scenes look at marketing transformation from the inside out.About KateGuided by my education in Psychology and after founding an online yoga platform, I now lead marketing and overall impact as CMO of Insurely Inc, Canada's fast growing online Insurance Brokerage.I'm here creating our own playbook to market Insurance in a normally un-sexy industry.I have facilitated relationships with National Brands and small data driven teams alike that have focused on positioning Insurely as a challenger brand.I am passionate about data-driven marketing, behavioural science and consumer insights, I love applying my psychology background to better understand customer behaviour and shape marketing strategies that resonate with today's digital-first consumers.I am a life long learner and love connecting with likeminded brands & people. If that's you, I welcome you to connect here, or reach out directly.Connect with Katehttps://www.linkedin.com/in/kate-brown-a1874553/kateb@insurely.ca.

But don't call it a come back. Miles Witt Boyer and Jared Mark Fincher are back for a brand new season of the Photographic Collective Podcast with an all new vision and some exciting news. This episode breaks down the absolutely Chat GPT written vision statement for the new pod, sets some big goals for new and returning guests and explains what is so exciting about the Photographic Collective Platform launching August 15th.Exclusive content available via PHOTOCO after launch but you can get on the waitlist RIGHT NOW using the link https://www.mileswittboyer.com/photo Affiliate discounts, huge giveaways, community collaborations, monthly live calls, trainings, behind the scenes, and early access to retreats and industry hang outs all available inside the PHOTOGRAPHIC COLLECTIVE.In this episode Miles + Jared chat through favorite guests from the past like Fer Juaristi, Jonas Peterson, and Jai Long and paint a clear picture towards the goals of a new season of episodes. If you're not familiar with the podcast yet : The Photographic Collective Podcast with Miles Witt Boyer and Jared Mark Fincher is a bi-weekly conversation with creatives who are chasing depth over hype. No ego. Very Little gear talk. Just real stories from people who've built something meaningful — and the mess, growth, and grit it took to get there.This show is a seat at the table. Sometimes it's business, sometimes it's art, sometimes it's about navigating what it means to be human — all through the lens of a camera and a calling. If you're looking for honest conversations that feed your soul and push you forward, welcome home.Join us wherever you listen to your podcasts or simply by clicking this link https://open.spotify.com/show/7iYqQmx...OR Hangout with us on VIDEO on YOUTUBE at https://youtu.be/s8SbYnnIxvE?si=ehUw9K0yZyb0P4hFThis episode is brought to all platforms via the power of AI and the strongest most advanced Photo Ai platform on the Market! ICONIC is our all new profile available exclusively on the Imagen Ai platform. Click here to try ICONIC for FREE and watch your images come to life with the power of over 25,000 of our own edits powering every click. Imagen : https://imagen-ai.com/homepage-lp/?re...AUGUST 15 : https://www.mileswittboyer.com/photo SIGN UP NOW.

Listener Marc ponders the “VR headset market” and wants to know what makes a market a market. John Siracusa and Jason Snell.

Can you scale a rental portfolio without buying a single property? Yes—and today's guests are living proof. Join us on The Landlord Diaries as we sit down with power couple Nate & Katie Lyon to unpack their rental arbitrage strategy for monthly midterm rentals. Katie Lyon, Marketing Director at Furnished Finder, brings over a decade of real estate and marketing experience to the conversation, while Nate adds an extensive background in marketing, operations and design. Together, they've built a 14-door portfolio mainly through out-of-state arbitrage in Iowa—leveraging Furnished Finder as the foundation for growth.You'll learn why arbitrage works especially well for 30+ day furnished rentals, how to approach arbitrage partners, run the numbers, structure leases, and find quality tenants like travel nurses, relocating families, and corporate professionals. Whether you're new to investing or looking to expand, this episode is your step-by-step guide to midterm rental arbitrage.

Discover how World Tree combines regenerative forestry, carbon sequestration, and impact investing to scale climate solutions across North America and Latin America.

What does it really take to stay in the network marketing game for over two decades? In this raw and real episode, I sit down with Wes Bewley, a full-time network marketing professional with 25+ years in the industry. Wes has experienced the highs of explosive growth… and the lows that most people never talk about. We discuss: The real key to long-term network marketing success How to survive (and rebuild) when your team or company falls apart The mindset that keeps pros like Wes going year after year Why consistency and perspective matter more than hype Whether you're just starting or you've been around for a while, this interview is a must-watch if you're serious about building a career in network marketing—not just chasing a quick check.

In episode 78 of Revamping Retirement, hosts Jennifer Doss and Matt Patrick are joined by Lucian Marinescu and Josh Charlson from Morningstar to explore the growing role of private market investments—such as private equity and private credit—within defined contribution (DC) plans. They discuss potential allocations, operational challenges, and the practical implications for plan sponsors, including fees, liquidity constraints, and valuation transparency. Lucian and Josh also share insights on fiduciary due diligence, the importance of transparency, and what sponsors need to evaluate before incorporating private strategies into their retirement plan lineups.

Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time. — Thomas A. Edison Received today's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin, as well as our Trade Execution Instructions by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: “Knowledge, NOT Emotions.” If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!” and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text “chartingwealth” to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Joe Kalish, chief macro strategist at Ned Davis Research, says that the uncertainty over tariffs, geo-politics, inflation and more has "kind of melted away," allowing themarkets to perform well and recapture record highs.Kalish says that while he likes the looks of global markets and wants a more balanced approach with increased exposure to Europe, Japan and other economies, he hasn't given up on the case of American exceptionalism in the market, especially with the way domestic companies have driven the artificial-intelligence boom that has been driving domestic markets higher. Author Paul Vigna returns to Money Life to discuss his new book —  The Almightier: How Money Became God, Greed Became Virtue, and Debt Became Sin — which is out this week and which examines how billionaires became false idols as savers and investors in the U.S. were forced to take more control of their financial futures. David Trainer of New Constructs turns to a fund that gets a five-star rating from Morningstar for this week's installment of The Danger Zone, saying that the Donoghue Forlines Momentum fund has investors paying too much for a portfolio that tilts towards unattractive and dangerous stocks. In the Market Call, Kathy Boyle of Chapin Hill Advisors discusses a core-and-satellite investment strategy built around the use of exchange-traded funds.

Navigating economic uncertainty is your small biz superpower - turning chaos into opportunity.

Why are two seasoned developers turning their focus to self-storage, and what makes this niche so powerful in a shifting economy?   In this episode of The Academy Presents: Real Estate Investing Rocks, Angel Williams welcomes Ben Salzberg and Bill Kanatas, co-founders of Self Storage Developers. With backgrounds in engineering, finance, and decades of commercial real estate experience, Ben and Bill break down why they shifted into self-storage, what sets their approach apart, and how they navigate everything from zoning to construction. The discussion also dives into their development philosophy, how their teaching experience shapes their leadership, and why self-storage thrives even during economic downturns.     [00:01 - 04:00] Who Are Ben & Bill? How Bill and Ben's combined experience in engineering, finance, and real estate development informs their approach Why their roles in operations and finance create balance in their partnership. The significance of their passion for people and problem-solving in real estate.   [04:01 - 08:00] Educators Turned Entrepreneurs How working in education prepares people for real estate and leadership. Why educators often bring creativity and out-of-the-box thinking into business. The importance of communication and empathy in both teaching and entrepreneurship.   [08:01 - 12:00] The Shift to Self-Storage Why the transition from car washes to self-storage was a strategic move. The need for research and analytics before entering the self-storage space. How their first conversion project laid the foundation for their development model.   [12:01 - 15:00] Why Self-Storage Works The significance of storage needs during life transitions like divorce, downsizing, or death. How self-storage holds up during economic downturns compared to multifamily. What makes self-storage operationally easier and financially less volatile.   [15:01 - 18:97] Ground-Up vs. Conversions Why ground-up development allows for more flexibility in design and amenities. How building codes, zoning, and structural load considerations impact development. The need to factor in taxes, incentives, and city approvals early in the process.       Connect with Benjamin:   https://www.linkedin.com/in/bensalzberg/   Connect with Bill:   https://www.linkedin.com/in/bill-kanatas-micp-999255141/     Key Quotes:   "We come to work with a smile and go home with a smile. That's the goal." - Bill Kanatas   "Storage is one of the few things people always need—death, divorce, downsizing, it all leads back to storage." - Ben Salzberg     Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!

In this insightful episode, Mike Drues joins host Etienne Nichols to dissect the FDA's most frequently cited compliance issues, challenging the notion that many are strictly "pre-market" concerns. They delve into the nuances of software changes, design creep, and off-label marketing, providing a critical look at how companies can avoid common pitfalls. This discussion is vital for MedTech professionals seeking to understand the true nature of FDA expectations and build more robust quality systems.Timestamps00:04 – Introduction to common FDA compliance issues02:02 – Discussion on FDA's policy of not naming individuals05:45 – Mike Drues challenges the "pre-market" classification of common issues09:20 – Documentation requirements for different device classes11:35 – Mike's take on the most common FDA issues (beyond the presented three)15:40 – Root causes of common compliance problems and industry responsibility20:00 – The role of regulation and FDA's responsibility in clarity27:05 – Deep dive into design change and design creep31:40 – Software changes and the "bug fix" mentality35:45 – Marketing beyond authorized intended use with a real-world example41:00 – Key takeaways and proactive compliance strategiesStandout Quotes"If the regulation makes sense, we shouldn't need it. If the regulation doesn't make sense, we shouldn't have it." — Mike Drues. This quote encapsulates Mike's philosophy on regulatory compliance, emphasizing that true professionalism means understanding inherent needs rather than just following rules."You have a piece of software, you have a bug, you fix the bug… Is your job done? Absolutely not." — Mike Drues. This highlights a critical oversight in software development within MedTech, stressing the importance of holistic post-fix validation to prevent unintended consequences.Top TakeawaysRegulatory Misclassification: Many issues labeled by the FDA as "pre-market" (e.g., marketing beyond intended use, design creep) are fundamentally post-market compliance challenges. This distinction is crucial for companies to allocate resources effectively.Beyond Administrative Review: While administrative incompleteness accounts for a significant portion of 510(k) rejections (around 38%), the scientific and substantial equivalence reviews are major hurdles, with approximately 75% of 510(k)s rejected initially, primarily due to lack of substantial equivalence (85% of those rejections).Top Post-Market Violations: Historically, the most common reasons for FDA 483s and Warning Letters relate to CAPAs (12.5%), design controls (12.5%), and complaint handling (10.5%), collectively accounting for roughly 35% of all post-market issues. Companies should prioritize these areas.Software Change Management: Fixing a software bug is only the first step; a holistic review is essential to ensure no new problems are introduced and the device's safety, efficacy, and usability remain uncompromised.Intentionality vs. Compliance: Marketing a device beyond its authorized intended use, even if the device functionally performs beyond its cleared claims, carries significant regulatory and product liability risks. Companies should seek appropriate clearance for expanded claims rather than relying on off-label promotion.References & LinksEtienne Nichols' LinkedInGreenlight GuruCall to...

We break down the wild swings of Q2 2025 markets (did you know it was the first time since 1938 the S&P 500 was both up AND down 10%+ in a single quarter?!

Plus - Friday's fortunate/unfortunate stocks Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week's guest on Off the Shelf is Ben Hall, chief executive officer of Golden State Medical Supply (GSMS). Hall shares the GSMS story, from its founding by an Air Force veteran in the 1980s to its role today delivering cost-effective, high-quality generic pharmaceuticals to the Department of Veterans Affairs and Department of Defense. He discusses the role data management and analytics plays in delivering value to the customer across government and how GSMS is now supporting the brand name federal market. Finally Hall talks about the opportunities and challenges in driving domestic and near-shore manufacturing of pharmaceuticals. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Pratik Gupta, Managing Director and Head of Global CLOs and US RMBS Strategy at BofA Securities, joins host Patrick Dolan to discuss the CLO market, covering the key factors that shaped 2024 and the outlook for 2025. Pratik walks us through how syndicated and private credit is reshaping the landscape, the growth of the ETF market and the evolving buyer base.Listen and subscribe to the Securitization Insight podcast on Apple Podcasts, Spotify, or your preferred podcast app.  

In this episode of Banker with a Beer, Jerry sits down with Brad Hentschel, Planner for the City of Chippewa Falls.   Topics discussed include: Hospital Openings (both Aspirus and the reopening of St. Joseph's) CF Road projects   Market on River Downtown Housing Hope Village and the purchase of the Indianhead motel Leinenkugel Brewery Status Outdoor Pool Update Beverages Enjoyed: Barrel Aged Blackout Stout, Great Lakes Brewery    Thank you for listening to this episode! Help support the show by leaving Banker with a Beer a 5-star rating or review on Apple or Spotify.  Banker with a Beer is brought to you by Northwestern Bank. A community bank headquartered in Chippewa Falls, Wisconsin. Follow us on Facebook or learn more on our website northwesternbank.com. We're a community bank with all the services of a big bank in a personalized friendly size. Member FDIC.

Daniel talks about the effects of inflation in US data, and what it means for investorsSpeaker:  - Daniel Lam, Head of Equity Strategy, Standard Chartered Bank For more of our latest market insights, visit Market views on-the-go or subscribe to Standard Chartered Wealth Insights on YouTube. 

Japanese PM Ishiba vowed to stay on despite exit polls from the election showing that the ruling coalition lost its majority.APAC stocks began the week mostly in the green, markets in Japan were shut for a holiday.EU envoys are set to meet as early as this week to formalise a retaliation plan in the event of a possible no-deal scenario with the US, Bloomberg.European equity futures indicate a lower cash market open with Euro Stoxx 50 future down 0.3% after the cash market finished with losses of 0.3% on Friday.DXY is a touch lower, JPY outperforms post-election, EUR/USD remains on a 1.16 handle.Looking ahead, highlights include Canadian Producer Prices, US Leading Index Change.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

On this episode of The Six Five Pod, hosts Patrick Moorhead and Daniel Newman discuss the latest tech news stories that made headlines. This week's handpicked topics include:   NVIDIA & AMD get greenlight to sell & ship chips to China (The Decode) https://www.cnn.com/2025/07/15/business/NVIDIA-resume-h20-chip-sales-to-china-intl-hnk  https://x.com/danielnewmanUV/status/1945509802211254661  https://x.com/PatrickMoorhead/status/1945089356022096361 https://x.com/PatrickMoorhead/status/1945049406199226857 https://x.com/PatrickMoorhead/status/1945049728141447261 https://x.com/danielnewmanUV/status/1944939965953011869 https://x.com/danielnewmanUV/status/1945084756619571695 https://x.com/danielnewmanUV/status/1945120959314141508 https://x.com/danielnewmanUV/status/1945317350573519001 https://x.com/danielnewmanUV/status/1945439985139691965 https://x.com/danielnewmanUV/status/1945509802211254661 https://x.com/PatrickMoorhead/status/1945504256821457108 https://x.com/PatrickMoorhead/status/1945582561066877304 National-Security Concerns Tie Up Trump's U.A.E. Chips Deal (The Decode) https://www.wsj.com/politics/national-security/national-security-concerns-tie-up-trumps-u-a-e-chips-deal-a0273815 https://x.com/PatrickMoorhead/status/1945816740987797799 DoD $200M Investment In AI Companies + Grok in the Pentagon + xAI (The Decode) https://www.cnbc.com/2025/07/14/anthropic-google-openai-xai-granted-up-to-200-million-from-dod.html Trump Touts Billions in Investments to Create AI Hub in Pennsylvania https://www.wsj.com/tech/ai/trump-to-tout-billions-in-investments-to-create-ai-hub-in-pennsylvania-1e9afa89?gaa_at=eafs&gaa_n=ASWzDAi_pJAtfK0fPCCk3S5NJcha_SuAm3XOeUy0DRuI3CMWo2gZdOaIlyBtlxQUyAo%3D&gaa_ts=68781440&gaa_sig=_Yqa5IRyVzkkxPc_xhj_byTz9tIqmfU3uYprcwrEJY-8pMkq1FCK9CZsPqsyMrV7gPK26K5Gon8bw2Vp_cu5xQ%3D%3D Pentagon to start using Grok as part of a $200 million contract with Elon Musk's xAI (The Decode) https://www.cbsnews.com/news/grok-elon-musk-xai-pentagon-contract/ https://x.ai/news/government AWS New York Summit Keynote (The Decode) https://x.com/PatrickMoorhead/status/1945501010824413579 https://x.com/PatrickMoorhead/status/1945501932270850512 https://x.com/PatrickMoorhead/status/1945502428100505736  https://www.aboutamazon.com/news/aws/aws-summit-agentic-ai-innovations-2025  AWS KIro Announcement - Jason video https://youtube.com/shorts/Dlaxxbfc_k8?feature=share  AWS is Launching an AI Agent Marketplace With Anthropic (The Decode) https://techcrunch.com/2025/07/10/aws-is-launching-an-ai-agent-marketplace-next-week-with-anthropic-as-a-partner/  Synopsys CEO Sassine Ghazi took us inside his $35 billion acquisition of Ansys, which closes today (The Decode) https://fortune.com/2025/07/17/synopsys-ceo-sassine-ghazi-35-billion-acquisition-ansys/ Trump intensifies trade war with threat of 30% tariffs on EU, Mexico (Bulls and Bears) https://www.reuters.com/business/trump-announces-30-tariffs-eu-2025-07-12/ CPI and PPI (Bulls and Bears) https://www.cnbc.com/2025/07/16/ppi-inflation-report-june-2025.html https://www.bloomberg.com/news/articles/2025-07-16/us-producer-prices-stagnated-on-decline-in-services-costs?embedded-checkout=true https://www.cbsnews.com/news/cpi-report-june-2025-inflation-trump-tariffs/   Trump Firing Powell? (Bulls and Bears) https://www.reuters.com/world/us/trump-indicated-republican-lawmakers-he-will-fire-feds-powell-cbs-reports-2025-07-16/ https://www.cbsnews.com/news/what-does-the-federal-reserve-do-and-why-is-trump-mad-at-its-chair-jerome-powell/   TSMC Earnings (Bulls and Bears) TSMC profit surges 61% to record high fueled by AI chip demand https://www.cnbc.com/2025/07/17/tsmcs-second-quarter-profit-soars-nearly-61percent-as-ai-chip-demand-stays-strong-.html https://x.com/FuturumEquities/status/1944741028952707502 https://x.com/danielnewmanUV/status/1944737452150673605 https://x.com/danielnewmanUV/status/1945790790556663909  

Jill Schlesinger joins us to discuss her latest blog and what to expect this week on Wall Street

Gary Booysen of Rand Swiss runs us through the day's market movements, local resources standing strong, the rand rallying, US markets moving higher likely due to dollar weakness, the gold price as money moves towards traditional safe havens, and US earnings predictions. SAfm Market Update - Podcasts and live stream

On this episode of The Horizon, John discusses a potential game-changing executive order from President Trump that could allow U.S. retirement accounts like 401(k)s to invest in private market assets, including commercial real estate. He explores how this influx of capital could significantly reshape cap rates—not because of interest rates, but due to shifts in capital flows. Using historical data, John challenges the commonly held belief that cap rates track closely with interest rates, demonstrating instead that transaction volume and investor demand play a much stronger role. He concludes by urging investors to consider positioning themselves ahead of a possible capital wave that could drive property values higher. Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Post your job for free at https://www.linkedin.com/BRE. Terms and conditions apply. Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Big O talks ALT Coins 071825

Paul Castner is President and Co-Founder of C & K Healthcare Advisors, one of the insurance industry's most innovative agent-focused organizations. With extensive experience at top Medicare carriers and a passion for helping seniors navigate healthcare costs, Paul has revolutionized how insurance professionals serve their clients. Under his leadership, C & K Healthcare Advisors has grown from a regional operation to a nationally recognized organization known for its cutting-edge technology, comprehensive training systems, and unwavering commitment to agent success. Based in Pittsburgh, Pennsylvania, Paul continues to mentor agents while building the future of insurance services. His first book is set to launch on Amazon in the next few weeks.Learn more: http://www.ckhealthcareadvisors.com/Plans and products may not be available in all areas. Certain exclusions and limitations may apply.Our Website serves as an educational invitation for you, the customer, to inquire about further information regarding your health insurance options, and submission of your contact information constitutes as permission for a Licensed Insurance Representative to contact you with further information, including complete details on cost and coverage of this insurance. Contact will be made by a licensed insurance agent/producer or insurance company.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. This is a solicitation for Insurance.C & K Healthcare Advisors, LLC and their agents are licensed and certified representatives of a Health and Life Insurance organization. Enrollment in any plan depends on contract renewal.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-paul-castner-w-c-k-healthcare-advisors-why-top-agents-choose-c-k-healthcare-advisors-for-senior-market-success

This week's Open Mic guest is Carrie Vollmer-Sanders, President of Field to Market. Soon to celebrate its 20th anniversary, Field to Market is working to unite the supply chain to deliver sustainable outcomes for agriculture. The group's Fieldprint platform provides credible and measurable results of multiple crops and varied production practices. Field data from over 6 million acres is included in the platform with a new version set to be released in September. Vollmer-Sanders says farmers need innovative financing options to adopt new regenerative practices improving soil health and other benefits for the environment. 

Paul Castner is President and Co-Founder of C & K Healthcare Advisors, one of the insurance industry's most innovative agent-focused organizations. With extensive experience at top Medicare carriers and a passion for helping seniors navigate healthcare costs, Paul has revolutionized how insurance professionals serve their clients. Under his leadership, C & K Healthcare Advisors has grown from a regional operation to a nationally recognized organization known for its cutting-edge technology, comprehensive training systems, and unwavering commitment to agent success. Based in Pittsburgh, Pennsylvania, Paul continues to mentor agents while building the future of insurance services. His first book is set to launch on Amazon in the next few weeks.Learn more: http://www.ckhealthcareadvisors.com/Plans and products may not be available in all areas. Certain exclusions and limitations may apply.Our Website serves as an educational invitation for you, the customer, to inquire about further information regarding your health insurance options, and submission of your contact information constitutes as permission for a Licensed Insurance Representative to contact you with further information, including complete details on cost and coverage of this insurance. Contact will be made by a licensed insurance agent/producer or insurance company.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. This is a solicitation for Insurance.C & K Healthcare Advisors, LLC and their agents are licensed and certified representatives of a Health and Life Insurance organization. Enrollment in any plan depends on contract renewal.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-paul-castner-w-c-k-healthcare-advisors-why-top-agents-choose-c-k-healthcare-advisors-for-senior-market-success

We continue our Summer Playlist this week with Albert Cheng, CEO of the Singapore Bullion Market Association (SBMA). SmarterMarkets™ host David Greely sits down with Albert to discuss the SBMA's vision for Singapore to become a leading global center for the trading of gold and other precious metals – and the SBMA's roadmap to making that vision a reality.

635. Part 2 of our talk with Kyle Crosby about his project, Louisiana Dread. "Louisiana Dread is a cultural project that shares and preserves stories of Louisiana history, culture, and folklore. Under the umbrella of Dreadful Productions, LLC, "Louisiana Dread" aims to bring awareness to important cultural aspects of Louisiana through several online series, such as LA Quick History, LA Drinks, LA Estates, LA Lingo, and LD Live. Each highlight  in Louisiana history that have otherwise been forgotten or misinterpreted, as well as share local horror stories that have been told for generations. Whether based on fact or complete fiction, Louisiana is seeping with horror stories that all share one common feature: the haunting setting of Louisiana. Along with the online series, a ten-episode television anthology script has been completed and awaits funding. To donate, please contact us at kyleladread@gmail.com The description can be seen below. "Louisiana Dread" is a video horror anthology series based on haunting Louisiana history, folklore, and culture. Set all throughout the Bayou State, each episode holds its own sinister tale of misfortune and evil" (Louisiana Dread). Now available: Liberty in Louisiana: A Comedy. The oldest play about Louisiana, author James Workman wrote it as a celebration of the Louisiana Purchase. Now it is back in print for the first time in 221 years. Order your copy today! Catharine Cole (Martha Field). "The Story of the Old French Market." Journalist Martha Field wrote under the pen name of Catharine Cole. She wrote this glimpse of the history of the old French Market in 1916 as an advertisement for French Market Coffee. Now 109 years later, we still think of the old French Market in New Orleans along with its world famous coffee. Time passes differently when we sit in the French Market and drink French Market coffee. Have a cup of coffee and read this wonder reminiscence of the French Market today! "I sit in a dim corner, where the tide of life passes me by, and muse and dream of days that are gone when all was unlike its present form save for the old Market and the selfsame aroma of the only coffee in all the world that has lived and thrived while the centuries passed, swiftly and silently, down the pathway of time." This week in Louisiana history. July 19, 1799. Interim governor Nicholas Vidal takes command of Louisiana. This week in New Orleans history. On July 19, 1963, Lee Harvey Oswald was fired from the Reily Coffee Company  "...because his work was not satisfactory and because he spent too much time loitering in Adrian Alba's garage next door (at 618 Magazine Street), where he read rifle and hunting magazines." This week in Louisiana. Tammany Trace 21490 Koop Drive Mandeville, LA 985-867-9490 crt@stpgov.org Website Originally a corridor for the Illinois Central Railroad, the Tammany Trace is now a hike and bike trail that spans from downtown Covington, through Abita Springs, Mandeville and Lacombe and ends in Slidell. A separate equestrian path parallels the Trace in several places. St. Tammany Parish government purchased the abandoned Illinois Central Railroad corridor on December 20, 1992. With the help of grants and federal dollars, St. Tammany Parish government has asphalted 31 miles, remodeled railroad trestles into pedestrian bridges, and maintained the Trace. Postcards from Louisiana. Phillip Manuel sings with Michael Pellera Trio play at Snug Harbor on Frenchmen St. in New Orleans.  Listen on Apple Podcasts. Listen on audible. Listen on Spotify. Listen on TuneIn. Listen on iHeartRadio. The Louisiana Anthology Home Page. Like us on Facebook. 

In this episode, we talk with Eric McShane, co-founder and CEO of Electroflow Technology (backed by Breakthrough Energy Ventures). Eric is on a mission to revolutionize lithium production, a vital battery material.We discuss the "Big Beautiful Bill's" impact on the battery industry and how Electroflow Technology's innovative approach addresses the critical need for domestic lithium production, especially given that "99% of this crucial battery material [LFP] is made in China." Eric shares how their unique process transforms brine into LFP, helping the U.S. become competitive again by "building real stuff" and using abundant low-concentration lithium brine resources.Key Topics:BBB's Impact: The "Big Beautiful Bill's" role in boosting U.S. battery capacity and achieving self-sufficiency in materials like lithium iron phosphate (LFP).Electroflow's Innovation: Details on Electroflow Technology's unique method for transforming brine into LFP and its benefits.Go-to-Market Strategy: Electroflow's plan for market entry and key differentiators.Climate Tech Perspective: Eric's insights on being a climate tech founder and the excitement of "building real stuff."Future Goals: Electroflow Technology's objectives and plans for utilizing U.S. lithium brine resources.Get Involved: How investors and engineers can connect with Electroflow Technology.Support the Show!Upgrade to paid today! It's $10/month or $100/year. Your support helps us continue to bring you valuable CleanTech insights.Upgrade to PaidSupport the showIf you're gonna change the world, you're gonna need a world-class team. Partner with ErthTech Talent to help you do that, for less. 70+ Placements 5+ Years (exclusively in CleanTech) The Lowest Fees in the Market (12-15% of first-year salary) 90-day placement guarantee It's really hard to say no to that. Wait?! -- The best service is also the cheapest? Seems too good to be true, but it's the entire reason we started this company. We believe that Climate entrepreneurs are doing important work, and there should be a firm to help them find the best talent, without it breaking the bank. Reach out today for a free assessment of your hiring process. hello@erthtechtalent.com

Trap Talk Reptile Network Presents:David Levinson Reptile Podcast w/ Vin Russo & Warren Booth JOIN TRAP TALK FAMILY HERE: https://bit.ly/311x4gxSupport Guest:  / cuttingedgeherp    / boabooth  HOST: Dave Levinson   / customscalesllc  

Interview with Niël Pretorius, CEO of DRDGOLD Ltd.Our previous interview: https://www.cruxinvestor.com/posts/drdgold-nysedrd-gold-recovery-from-historical-tailings-7131Recording date: 15th July 2025As gold prices reach unprecedented levels, DRD Gold CEO Niël Pretorius offers a compelling blueprint for mining leadership during turbulent market conditions. His approach combines conservative capital allocation with strategic opportunism, providing valuable lessons for the broader mining sector.Pretorius identifies a fundamental shift in gold market dynamics over the past four years, where sustained accumulation by non-Western central banks has created new price support mechanisms. This "counter dynamic" has helped gold rebase at higher levels, even during periods of Western market pessimism. For South African producers like DRD Gold, current conditions offer particular advantages through natural currency hedging—producing in rand while selling in US dollars creates what Pretorius calls "a double benefit."The CEO's capital allocation philosophy emphasizes dividend distribution and operational optimization over speculative expansion. "I believe that a business is there to generate cash flow," he states, advocating for full commodity price exposure rather than revenue protection strategies. This approach prioritizes sustainable growth through extending existing mine life by 18-20 years and modest production increases, rather than pursuing headline-grabbing acquisitions.Risk management remains central to Pretorius's strategy. Despite favorable market conditions, he maintains skepticism about price sustainability, advocating for accelerated capital investment while conditions remain favorable. "We know it can change overnight," he warns, emphasizing the importance of building resilience for future volatility.The CEO champions financial transparency, dismissing complex accounting metrics in favor of fundamental questions: profitability, debt levels, and capital coverage capability. His emphasis on practical indicators like insurance coverage demonstrates sophisticated risk assessment beyond traditional financial metrics.Pretorius's leadership philosophy reveals how successful mining executives balance opportunistic investment with conservative risk management, maintaining operational excellence while adapting to evolving market structures. His approach offers investors a framework for evaluating mining leadership quality during periods of unprecedented market conditions.View DRDGOLD's company profile: https://www.cruxinvestor.com/companies/drdgold-limited Sign up for Crux Investor: https://cruxinvestor.com

This weekend's show dives into what's really driving markets amid tariff tensions and why global money is quietly rotating into commodities and resource stocks.  ...

This week's interview wasn't initially intended for the podcast and wasn't recorded that way (Brewing Industry Guide subscribers read it last month (https://brewingindustryguide.com/expanded-qa-lester-jones/)), but the topics are salient and the audio listenable, so we thought it would be an interesting change of pace. Lester Jones is the VP of Analytics and Chief Economist for the National Beer Wholesalers Association, and has some pretty deep data-driven insight into what is reality and what is just vibes in today's world of beer sales which he shares in this conversation. Throughout, we try to unpack what's actually going on, comparing anecdotal experience to real sales data, for a more accurate picture of the opportunities and challenges in today's beer world. This episode is brought to you by: G&D Chillers (https://gdchillers.com): For years G&D Chillers has chilled the beers you love, partnering with 3,000+ breweries across North America and beyond. With our 24/7 service and support, your brewery will never stop. Remote monitor your chiller for simple and fast access to all the information you need, and gain peace of mind your operation is running smoothly. Berkeley Yeast (https://berkeleyyeast.com). Berkeley Yeast bioengineers ordinary strains and make them extraordinary—enhancing the flavors you want and eliminating the ones you don't. Visit berkeleyyeast.com to learn more and start brewing with science on your side. Old Orchard (https://www.oldorchard.com/brewer): As breweries expand beyond beer into other segments like mocktails and CBD beverages, Old Orchard is here to help. We can formulate custom blends featuring specialty ingredients. More information and free samples are waiting at oldorchard.com/brewer. Indie Hops (https://indiehops.com) Lórien seamlessly combines traditional elements of European noble hops with an elegant twang of American modernity. Learn more about Lórien and the rest of Indie's varieties at www.indiehops.com. Indie Hops — Life is short. Let's make it flavorful. XTRATUF (https://xtratuf.com) XTRATUF has been making rugged and reliable boots for 75 years. Built for the harshest conditions, the Legacy Collection styles are oil, acid, and chemical resistant with a non-slip rated outsole. Be prepared for whatever comes your way and shop the latest XTRATUF boots on xtratuf.com. Veterans Blend from Yakima Chief Hops (https://www.yakimachief.com) The 8th Annual Veterans Blend from Yakima Chief Hop is available through pre-order! $1 from every pound sold of Veterans Blend will be donated to this year's non-profit Soldier's Angels. Plan ahead and place your Veterans Blend pre-order with Yakima Chief Hops at yakimachief.com. Brewery Workshop (https://breweryworkshop.com) If you're launching a brewery or acquiring an existing one, consider our brewery workshop and new brewery accelerator, September 14 through 17th in Fort Collins, Colorado. Over four days, we engage in panel discussions, technical brewery tours, networking, and small working group sessions that help you better understand and prepare for the challenges of brewery operation. Tickets are on sale now.

Is innovation failing because we're starting in the wrong place? In this episode of Tech Talks Daily, I'm joined by Colin Scott, Senior Vice President of DownSelect at Innventure, to challenge the default tech-first mindset that dominates R&D and corporate innovation. Instead of asking what a technology can do, Innventure flips the question: what real-world problem needs to be solved? It's a market-first philosophy, not a pitch deck philosophy, and it's led to some fascinating outcomes. Colin walks us through Innventure's DownSelect process, a trademarked, multi-stage approach for evaluating early-stage innovation through the MATCH framework: Market, Advantage, Timeline, Capital, and High Value.  The result? Out of over 150 evaluated opportunities, just four companies have cut, including PureCycle Technologies, AeroFlexx, and Rafinity. That 5 percent conversion rate isn't a bug; it's a feature. It's the design. Colin explains why prioritising unmet strategic needs over flashy prototypes leads to better long-term outcomes for customers, partners, and the technology itself. We also explore how Innventure fosters creative tension inside teams through something they call "Tigger Time," a framework that assigns roles for optimists and sceptics to surface risks and possibilities early in the process. It's a smart way to turn internal disagreement into forward momentum. So, how do you approach innovation in your organisation? Are you starting with the technology or the need? Please let me know your thoughts after listening.