Podcasts about Median

In this episode of the American Dream Factory Podcast, Nick Smoot sits down with Daron Babcock, Managing Director of Community Transformation at Stand Together Foundation and founder of Bonton Farms, for a powerful conversation about poverty, dignity, health, faith, entrepreneurship, and what it actually takes to transform a community.Daron's story begins far from the nonprofit world. He started his first business at fifteen, wrestled at the University of Oklahoma, worked in corporate America, helped run a beverage distributorship, launched a startup, and eventually entered the world of private equity after his company was acquired by Blackstone.But after the death of his first wife, Daron's life took a different turn. Through grief, friendship, faith, and a hunger for deeper human connection, he found himself drawn into Bonton, a struggling neighborhood in South Dallas. What began as a desire to be a better friend became a long-term commitment to living in proximity with people most of society had overlooked.At the time, Bonton faced staggering challenges. Median household income was around $19,000. High school graduation rates were low. Teen pregnancy, infant mortality, incarceration, chronic disease, and early death were painfully common. But Daron did not see a community defined by failure. He saw trapped potential.The first lesson was simple but profound: listen and respond.Residents told him they needed jobs, so Daron started with workforce development. But that effort quickly revealed deeper barriers. Many people were too sick to work. Others lacked transportation, access to fresh food, safe housing, health care, banking, or the confidence to articulate their own value. What looked like a jobs problem was actually a system problem.That insight led to the creation of Bonton Farms, which became far more than an urban farm. It became an economic engine, a health intervention, a gathering place, and a catalyst for local businesses including a coffee house, farm-to-table restaurant, security company, facility maintenance company, landscape business, and more. As dollars began circulating inside the neighborhood, wealth and confidence began to build.Daron explains that real community transformation requires more than charity. It requires building the conditions where people can flourish: relationships, economic opportunity, health, transportation, education, safe housing, and access to the basic tools needed to participate fully in life.Over eight years, Bonton saw dramatic improvement. Median household income more than doubled. Home values rose. Graduation rates improved. Teen pregnancy dropped. Crime declined significantly.Nick and Daron also explore the failures of modern philanthropy, the danger of toxic empathy, the limits of giving money without proximity, and the need to measure what actually matters. They discuss why downstream interventions alone will never solve upstream problems, why human flourishing must be measured by the people experiencing it, and why the future of community transformation depends on believing in people enough to hold them accountable to their own potential.This is a conversation about dignity, systems, friendship, health, faith, business, poverty, and the hard, slow, beautiful work of helping people and places become whole.Key ThemesProximity creates the will to change.Jobs alone are not enough.Poverty is a systems problem, not a people problem.Market-driven solutions can restore dignity.Health is foundational to human flourishing.Charity without accountability can become harmful.Human flourishing must be measured.Resources MentionedBonton FarmsStand Together FoundationPoverty, Inc.Toxic Charity by Robert D. LuptonThe Tipping Point by Malcolm GladwellOutliers by Malcolm GladwellThe W. Edwards Deming InstituteBelieve in People by Charles Koch and Brian Hooks

Send us a text and chime in!Median and Roadway Construction Continues Crews will continue preparing for the final round of asphalt paving and working on the concrete median along Glassford Hill Road, from just north of Long Look Drive to just south of Spouse Drive. Please be aware of the following impacts: Monday, June 1 through Friday, June 5, 7 a.m. – 7 p.m., Please note that a new traffic pattern is in place, and road users are advised to be alert, use caution and follow the marked signage. One lane of traffic in each direction of Glassford Hill Road will always remain open throughout construction....   For the written story, read here >> https://www.signalsaz.com/articles/glassford-hill-road-widening-project-update-jun-1st-5th-2026/ Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

In this episode of the BiggerPockets Money podcast hosts Mindy Jensen and Scott Trench break down practical strategies for doubling your net worth and accelerating your path to financial independence. From reducing fixed expenses and increasing cash flow to investing consistently and growing your income, we cover the core habits and wealth-building systems that can dramatically speed up net worth growth, even if you're starting from a modest financial position. Whether you're pursuing FIRE, early retirement, or simply trying to grow your wealth faster, this episode provides a practical roadmap for increasing your net worth and building lasting financial security. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Your CRM knows what happened. It doesn't know why—or what's about to happen next. That gap is costing revenue teams millions in preventable churn, missed expansion, and deals that slip away long before anyone saw it coming.In this episode of TECHtonic, TSIA Executive Director Thomas Lah sits down with Alok Shukla, CEO and co-founder of Funnel Story, to explore a new category of technology: the AI-powered revenue intelligence layer. Unlike traditional CRM dashboards that report on structured activity data in a single point in time, Funnel Story's patented composite model combines structured data (usage, revenue, activity), unstructured conversational data (calls, emails, notes), and third-party market signals—then reverse-engineers your full historical timeline to train itself from day one. Median deployment time: less than a day.Alok introduces the concept of “needle movers”—AI-detected early warning patterns that surface months before churn or expansion become visible to any human. He shares a compelling real-world example where signals from three different organizational levels (an executive conversation, a support ticket, and a CSM interaction) were silently pointing to competitive risk—patterns that only emerged because of historical churn analysis. Without the intelligence layer connecting those dots, the account would have been marked “healthy” right up until it churned.Drawing on his 20+ years in cybersecurity (McAfee, Intel Security, Imperva), Alok makes a powerful analogy: the Security Operations Center went from 80% people / 20% tech to nearly the inverse over 20 years—and that transformation is now coming for revenue and CS organizations. The leaders who will thrive are those who start thinking now about what it means to manage a fleet of agents rather than a team of reps.

Toda la actualidad del deporte vallisoletano de la mano de Chus Rodríguez y Jesús Pérez Baraja. Hoy desde Median de Rioseco con motivo de la Copa Internacional Rioseco Caramanzana 2026.

AP correspondent Donna Warder reports on how much CEOs are now making.

Hosts Brad Causey and Spencer Alessi break down the 2026 Verizon Data Breach Investigations Report, focusing on the findings that actually matter for IT and security teams.The biggest surprise: vulnerability exploitation has overtaken stolen credentials as the top initial access vector, accounting for 31% of attacks, while credential abuse dropped to just 13%. This completely flips the script on years of "identity is the new perimeter" thinking.Topics covered include:Vulnerability explosion and remediation crisis: Why there are too many vulnerabilities and not enough time for patching, with only 26% of CISA KEV vulnerabilities fully remediated (down from 38%)The patching time paradox: Median remediation time increased from 32 days to 43 days despite organizations initially getting faster at patching from 2022-2024Web application sprawl: How the push to cloud and SaaS has created massive attack surfaces organizations don't own and can't patchThe top 4 initial access vectors: Vulnerability exploitation, phishing, credential abuse, and pretextingRansomware economics shifting: 48% of breaches involved ransomware, but 69% of victims didn't pay and median payments dropped to $139,875Mobile phishing success: Mobile-centric phishing had 40% higher success rates than email phishing as users get better at spotting email threatsSocial engineering evolution: The human element appeared in 62% of breaches, with pretexting requiring different countermeasures than traditional phishingShadow AI explosion: 45% of employees are regular AI users on corporate devices (up from 15%), with 67% using non-corporate accountsAI data exfiltration: Shadow AI is now the third most common non-malicious insider risk, with source code being the top data type leakedMCP and IDE extension risks: Real-world examples including PocketOS having their entire production database deleted by Claude connected to a railway CLI MCPBrad and Spencer emphasize that while the threat landscape is shifting dramatically, the fundamentals still matter. Organizations need to get comfortable with not being able to patch everything and focus on what matters most.Blog: https://offsec.blog/Youtube: https://www.youtube.com/@cyberthreatpovTwitter: https://x.com/cyberthreatpovFollow Spencer on social ⬇Spencer's Links: https://spenceralessi.comWork with Us: https://securit360.com | Find vulnerabilities that matter, learn about how we do internal pentesting here.

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Send us a text and chime in!In observance of the Memorial Day holiday, no work will be performed on Monday, May 25. Work will resume on Tuesday, May 26. Median and Roadway Construction Continues Crews will continue preparing for the final round of asphalt paving and working on the concrete median along Glassford Hill Road, from just north of Long Look Drive to just south of Spouse Drive. Please be aware of the following impacts: Tuesday, May 26 through Friday, May 29, 7 a.m. – 7 p.m., Please note that a new traffic pattern is in place, and road users are advised to be alert, use...   For the written story, read here >> https://www.signalsaz.com/articles/glassford-hill-road-widening-project-update-may-26th-29th-2026/ Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

Téměř 70 procent Čechů si myslí, že se dnes můžeme vyjadřovat svobodně jako před deseti lety, nebo ještě svobodněji. Podle čtvrtiny lidí se situace zhoršila. Vyplývá to z průzkumu agentury Median pro Český rozhlas. „Díky bohu je svoboda stejná, jaká byla,“ souhlasí v Pro a proti Roman Joch, ředitel Občanského institutu. „Od otevřeného urážení se přechází k vykreslování skupin jako hrozby,“ tvrdí filozof Tomáš Koblížek z Akademie věd v debatě z konference Křehká bezpečnost.Všechny díly podcastu Pro a proti můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

Kulttuuriykkösen Perjantaistudiossa ruodimme ajankohtaisia kulttuurin ja median ilmiöitä, arvokysymyksiä sekä ajankuvaamme. Tällä kertaa raatilaisina ovat eläköitynyt oikeushammaslääkäri Helena Ranta, Maaseudun tulevaisuuden entinen päätoimittaja ja kolumnisti Jouni Kemppainen sekä toimittaja-tietokirjailija Matti H. Virtanen. Juontajana on Nicklas Wancke. Teemat: Väkivalta kouluissa: Lapualla opettajat harjoittelevat itsepuolustusta. Mitä tämä kertoo suomalaisesta koulusta? Sotasyyllisyysoikeudenkäynti: Lasse Lehtisen uusi kirja herättää keskustelun 80 vuotta vanhasta oikeudenkäynnistä Median sokeat pisteet: Miksi jotkut aiheet jäävät kokonaan käsittelemättä? Metsäkiista: Suunnitelma EU:n ennallistamisasetuksesta kuohuttaa – "luonnonsuojeluhistorian suurin vedätys"? MTV vs. Elisa: Mitä maksukiista kertoo television tulevaisuudesta?

Brent Bowers, a land investing expert, shares insights into the overlooked niche of manufactured homes and land investing. Discover how affordable housing solutions like manufactured and modular homes are transforming real estate, the differences between these types, and why they present lucrative opportunities for investors and first-time homebuyers alike.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

#ScrubHopTalk Ep. 285 - J has some really interesting interpretations of what we should be able to say on the program, regardless of YouTube's terms of service agreements. We have a blast in our "This or That" segment that brings us back to the recurring joke of the week and into both stories. The guys review a video of a woman getting high centered on a median, bringing J back to a 20 year old story with a tremendous amount of specificity. @troxy_cotton @scrubhopking @bigtrox303 #ScrubHop #itendsattheendofthestory #thatfatbitchlookslikemystepmom #HellsPitonthereadyScrub Hop Talk is a weekly show with JDirty, Big Trox, and Troxy Cotton. The boys bring you their take on life and pop culture, reacting to crazy videos, and showcasing a different song from their catalog every week. Brand new episodes air here at YouTube.com/ScrubHop every Sunday night at 5pm Pacific time.Please comment, like, and subscribe!For more information, visit ScrubHop.com to learn all about the music and join the movement.Big Trox's hat selection this week is brought to you by Aesop Rock.Visit Howard's 3D Prints for all your 3D printing needs!https://www.instagram.com/howards3dprintsThis week's song:JDirty - "#payme"https://open.spotify.com/track/0HAGxk4KlwNr9E78ALlyHk?si=ef8f1936aade4d2eBuy the merch at:http://ScrubHopShop.bigcartel.comFollow the socials at:@ScrubHop on EVERYTHING!JDirty:http://scrubhop.com/jdirtyhttp://instagram.com/scrubhopkinghttp://twitter.com/jdirty303http://facebook.com/JDirty303Big Trox:http://scrubhop.com/bigtroxhttp://instagram.com/bigtrox303Troxy Cotton:http://scrubhop.com/troxycottonhttp://instagram.com/troxy_cottonhttp://twitter.com/TroxyCottonhttp://facebook.com/TroxyCottonCO

Divorce and Financial Independence: Taking Back Control | Ep.148. Divorce is one of the biggest financial turning points in anyone's life. But for women, the impact is often far greater than most people realise. In this solo episode of Accelerating Your Wealth, Rebecca Robertson explores what financial independence really means after divorce, why pensions are dangerously overlooked in settlements, and how women can start rebuilding on their own terms.  Drawing on years of experience, Rebecca shares real client stories, challenges common assumptions about asset splitting, and breaks down the statistics that reveal just how wide the financial gap between divorced men and women really is. Why divorce is often a bigger financial hit for women than men  The emotional traps that lead to poor financial decisions during separation Why 71% of divorce settlements don't consider pension assets How to understand the full financial picture before agreeing to a settlement The shift from shared responsibility to full financial ownership Why pensions are emotionally devalued but financially critical How divorced women hold just 39% of the pension wealth of divorced men Why getting financial advice early in the process matters - How divorce can become an opportunity to rebuild on your own terms Key statistics discussed: Divorced women hold 39% of the pension wealth of divorced men Median pension wealth: £32,640 for women vs £85,800 for men 71% of divorce settlements do not consider pension assets Only 11% of divorces include pension sharing orders 30% of divorced women work part time vs 10% of divorced men Divorced women earn 37% less on average We get into: 00:00 Divorce and financial challenges 05:03 The emotional side of divorce 07:49 Financial independence and household budgeting 11:32 Navigating finances after divorce 13:30 Budgeting for pet expenses 17:26 Taking full ownership in life 19:48 Experiences with perimenopause and growth 23:04 Building financial independence after divorce #AcceleratingYourWealth #DivorceFinance #WomenAndMoney #PensionAdvice #FinancialIndependence #DivorceRecovery #WomenInFinance #PersonalFinance #FinancialFreedom --------------------------------------------------------------------------------------------------------------------------------- Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

The Evolving Dream: Average Age of First-Time Homebuyers from 1980 to 2025The dream of homeownership remains a cornerstone of the American spirit, a powerful symbol of stability, achievement, and future security. Yet, the path to achieving this dream has shifted dramatically over the decades. Imagine a time when the average first-time homebuyer was just 29 years old, stepping into their new home with youthful optimism. Fast forward to 2025, and that average age has climbed significantly, now standing at 38. This isn't just a statistic; it's a reflection of profound economic, social, and cultural changes that have reshaped how and when individuals can afford to purchase their first property. At DDA Mortgage, we understand that these shifts impact everyone differently, and we're here to help you navigate the modern homebuying landscape, no matter your age or stage of life.Economic Landscape and Affordability in the 80sWhile interest rates in the early 1980s could reach double digits, the overall cost of homes was significantly lower relative to average incomes. This crucial difference made homeownership much more attainable for younger individuals. The median home price was a fraction of what it is today, requiring a smaller down payment and a more manageable overall mortgage principal. Wage growth, for many, kept pace more closely with housing appreciation, allowing young professionals and families to save for a down payment within a reasonable timeframe after entering the workforce.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

Aasian ensimmäisen kristillisen realitysarjan tekeminen on edennyt kevään aikana. Pioneerihankkeeseen osallistuu medialähettien Mika ja Ruut Ahosen lisäksi parikymmentä nuorta Aasian eri maista. Median tekeminen yhdessä on myös luonteva alusta panostaa nuorten hengelliseen kasvuun. Ohjelmassa vieraana medialähetystyöntekijä Mika Ahonen.

The I Love CVille Show headlines: Breaking: CVille Median Family Household Income Released 2026 CVille Median Family Household Income $139,800 $125,800 (2025), $124,200 ('24), $123,300 ('23), $111,200 ('22) Wawa 5th St Ground Lease For Sale For $9.4 Million CVille Tomorrow Can Now Run Public Notices For City Salvation Army Eyeing Shelter On Ridge St Have Virginia Dems Alienated Voters W/ Redistricting? Subscribe To iLoveCVille.com For Only $8 Per Month Read Viewer & Listener Comments Live On-Air The I Love CVille Show airs live Monday – Friday from 12:30 pm – 1:30 pm on The I Love CVille Network. Watch and listen to The I Love CVille Show on Facebook, Instagram, Twitter, LinkedIn, iTunes, Apple Podcast, YouTube, Spotify, Fountain, Amazon Music, Audible, Rumble and iLoveCVille.com.

Millainen on median vastuu turvallisuusasioihin liittyen? Onko Suomi militarismin tiellä? Miksi olemme niin polarisoituneita? Onko viranomaisviestinnän pakko olla tylsää ja hidasta?Katleena on kriisiviestinnän asiantuntija ja tietokirjailija, joka sanoittaa osaavasti erilaisia mediaan ja kriiseihin liittyvää viestintää. Taklataan siis erilaisia aiheita Katleenan kanssa ja selvitetään, onko Hämeenlinna todella maailman keksipiste!Yritys! Haluatko mainostaa turvallisuudesta kiinnostuneelle yleisölle tai vahvistaa rekrytointiprosessiasi? Pistä meille viestiä info@mightyfinland.fi

The US economy added 115,000 jobs in April -- and the numbers look solid on the surface. But dig a little deeper and you'll find a tech sector in freefall, a housing market frozen in place, and consumer sentiment that hit a 74-year low. This bonus episode breaks down the May jobs report, which came out a week late because the Bureau of Labor Statistics pushed its release from the first Friday to the second Friday of the month. The job gains were concentrated in healthcare, transportation, warehousing, and retail. Healthcare alone added 37,000 jobs, driven largely by nursing facilities and home health care services for an aging population. Retail gains clustered in discount stores and warehouse clubs - not department stores or electronics retailers - which tells you consumers are spending more carefully. Tech got hit hard. The information sector lost another 13,000 jobs in April and is now down 342,000 jobs - about 11 percent - from its November 2022 peak. People working part-time because they can't find full-time work jumped by 445,000 in a single month. Consumer sentiment is at its lowest point in 74 years of University of Michigan tracking - worse than 2008, worse than the inflation of the 1970s. One reason: gas prices. There's a psychological outsized effect to standing at a pump watching the total climb every week, versus an invisible mortgage adjustment buried in a monthly bank statement. The housing market didn't get its usual spring bounce. Existing home sales ticked up just 0.2 percent between March and April. Inventory rose 5.8 percent, but at 4.4 months of supply, the market still needs roughly 30 percent more inventory to reach balance. Median sale price sits at $417,700, up less than 1 percent year over year. Homes are averaging 32 days on market - giving buyers more negotiating leverage than they've had in years. Timestamps: (00:00) April jobs report: 115,000 new jobs, but tech takes a hit (02:38) Jobs data matters more than the stock market (03:14) Where jobs grew: healthcare, transportation,warehousing, retail (05:14) Consumer sentiment hits 74-year low (07:46) Why gas prices hurt more than other costs (11:20) Tech sector down 342,000 jobs from 2022 peak (11:52) Part-time workers up 445,000 in a single month (13:38) Housing market: no spring rebound (15:16) Inventory up, but still 30 percent below a balanced market (16:16) Housing market frozen - not crashing, not skyrocketing (17:13) Golden handcuffs: why sellers aren't selling (18:23) Why buyers have more negotiating power now Enroll in our course, "Your First Rental Property" while the doors are open! https://affordanything.com/enroll Share this episode with a friend, colleagues, and your postal person: https://affordanything.com/firstfridaymay2026 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Uncover why Newport Beach, California maintains sky-high median home prices near $4 million with remarkable stability amid a cooling national housing market. This episode reveals the powerful economic, geographic, and lifestyle factors—ultra-limited coastal supply, affluent buyer demand, and luxury market fundamentals—that shield this elite enclave from broader slowdowns. Gain expert insights for investors, buyers, and professionals on navigating high-end coastal real estate in an uncertain economy.

Kia ora. Welcome to Friday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand. I'm David Chaston and this is the international edition from Interest.co.nz. Today we lead with news American households are struggling as inflation pressures consume their reserves. In the US there were 181,000 new initial jobless claims last week, about what seasonal factors would have indicated. There are now 1.735 mln people on these benefits, lower than at this time last year, but still above two year-ago levels. And there were 83,000 reported job cuts in April, a bit above the average over the past year. For a second month in a row, AI is the key reason for shedding jobs now. Median one-year-ahead inflation expectations in the US rose in April and for a second month to 3.6% in April which is their highest since October 2023. Inflation uncertainty also increased at the one-year-ahead horizon. Income expectations are up less than 3%, so on average most people there expect inflation will set them back from where they are. US consumer debt jumped in March by much more than expected, driven by a +9.1% surge in credit card debt. The big end of town is noticing. Executives across retail, restaurants and packaged goods are increasingly worried about American shoppers with tighter budgets amid surging fuel prices caused by Trump's Gulf War. “They're literally running out of money at the end of the month,” one said. Across the Pacific, China's FX reserves jumped in April to just over US$3.4 tin after the unexpected March dip, and back up in its rising trend. This is their largest gain in 28 months. But it is still off its US$4 tln level in mid 2014. Gold holdings increased again by another +8 tonnes. The central bank of Malaysia reviewed its monetary policy late yesterday and kept its official rate unchanged at 2.75%. And Malaysian discount airline AirAsia said it has ordered 150 Airbus aircraft worth US$19 bln, and said it has an option to order another 150 from Airbus. Orders like this are being driven by the need for fuel efficiency. The central bank of Norway unexpectedly raised its policy rate by +25 bps to 4.25% at its overnight meeting, defying market expectations for no change. They said inflation remains too high at 3.6% and is likely to stay elevated and action is needed now to keep it closer to its 2% target. In the EU, the volume of retail sales fell in March from February to be up just 1.9% from year ago levels. The lower volume of fuel sales was the key reason driving the recent reversal. Non-food, non-fuel activity was actually up an impressive +3.0% for the year. In Germany they posted an impressive factory order intake for March, up +6.3% from the same month a year ago and resuming the upward trend they have had since August 2025. Australia said its exports fell -2.7% in March from February as rural exports plunged -11.6%. Also, non-monetary gold exports dropped -6.1%. That makes its March merchandise exports -2.2% lower than year-ago levels. Meanwhile, imports rose +14%. That means they recorded a -AU$1.8 bln trade deficit for the month, far larger than the expected +$4.2 bln surplus and the first monthly deficit since 2017. The import surge of "ADP equipment" totaling $4.8 bln in March (likely for data centers), is a key reason. Meanwhile, the Aussie government has imposed punitive tariffs of up to 82% on Chinese coil steel exports in a major effort to shield local manufacturers from low-cost competition from China that receive 'unfair' Chinese government subsidies. Global container freight rates rose +3% last week to be +10% higher than year-ago levels. Outbound China rates are rising again. Bulk cargo rates were up +11.5% over the past week to be +112% higher than year-ago levels. The UST 10yr yield is now just on 4.40%, up +5 bps from this time yesterday. The price of gold will start today up +US$17 at US$4697/oz. Silver is up +US$2.50 at just over US$79.50/oz. American oil prices are up +50 USc at just on US$96/bbl, while the international Brent price is little-changed at US$101.50/bbl. Oil company Shell announced quarterly earnings overnight, more than doubling them to US$6.9 bln in the three months to March, from Q4-2025's US$3.2 bln. Clearly more than 'cost increases' are being passed on at the pump. The Kiwi dollar is unchanged from yesterday at this time at 59.5 USc. Against the Aussie we are also unchanged at 82.3 AUc. Against the euro we are holding at just on 50.7 euro cents. That all means our TWI-5 starts today at just under 62.8 which is unchanged from yesterday. The bitcoin price starts today at US$79,843 and down -1.9% from this time yesterday. Volatility over the past 24 hours has been modest at just under +/- 1.4%. You can get more news affecting the economy in New Zealand from interest.co.nz. Kia ora. I'm David Chaston and we'll do this again on Monday.

We talk with Matthew Hughes the Managing Director of Capital Property Advisory about why Perth is outperforming the national housing market, with median house prices now above the Australian benchmark of $910,000. Annual growth of around $194,000, or 21.5%, reflects strong demand and limited supply. Construction delays and cost pressures are restricting new stock, supporting continued price resilience. You can have your say by leaving a voice message ►  https://www.speakpipe.com/realestateradio ► Website: https://aussierealestatepodcast.lovable.app ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com  The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. Gold Coast Real Estate, Adelaide Property Market, Luxury Real Estate Australia, Property Investment Podcast, Real Estate Trends 2026, Median Price Growth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour. #PropertyInvestment #RealEstateInvesting #FirstTimeInvestor #PropertyManagement #RentalYields #CapitalGrowth #RealEstateFinance #InvestorAdvice #PropertyPortfolio #RealEstateStrategies  #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty  #adelaideproperty #canberraproperty #PerthRealEstate #hobartproperty  #RealEstate  #RealEstateNews #MortgageTips #PropertyMarket #FinanceAustralia #BrisbaneInvesting   #RealEstateDevelopment #adelaide #PerthRealEstate #FirstHomeBuyer #AustralianProperty #AustralianRealEstate #PropertyMarketUpdate #MortgageAustralia #FinanceTips #HousingAffordability #RealEstateTrends #AussieProperty  #MortgageRates #HomeLoans  #PropertyMarket #MortgageTips #InterestRates  #BrisbaneProperty #QLDRealEstate #PropertyInvestment #AustralianHousingMarket #AdelaideProperty #AdelaideRealEstate #InvestInAdelaide #SouthAustraliaProperty #AustralianRealEstate #HousingTrends#MelbourneHousing #MelbourneInvestment  #MelbourneMarket  #PropertyInvestment #RealEstateTips #WealthBuilding #InvestmentStrategy #HomeBuying #AustralianProperty

Top headlines for Thursday, April 30, 2026Newsboys and owner Wes Campbell file a federal lawsuit accusing MercyMe, major concert promoters, World Vision and media outlets of a coordinated effort to drive the band out of Christian touring; Christian advocates warn of a worsening humanitarian crisis in Iran; Nick Vujicic debunks viral death and cancer rumors; and the U.S. Supreme Court unanimously sides with a New Jersey pro-life ministry challenging a demand for donor records. Plus, Jimmy Kimmel faces backlash over a joke about President Donald Trump, a former Missouri church employee is accused of embezzling more than $16,000, and a new report finds U.S. church attendance has climbed to its highest level since the COVID-19 shutdowns.00:11 Newsboys, owner sue MercyMe, concert promoters and media outlets01:03 Christians urge international action over crisis in Iran01:58 Nick Vujicic debunks viral death, cancer rumors02:43  SCOTUS sides with pro-life group suing NJ over donor records03:31 Jimmy Kimmel under fire: NRB calls for FCC probe after Trump04:19 Church employee accused of embezzling over $16K in checks05:14 Median worship attendance highest since COVID lockdowns: reportSubscribe to this PodcastApple PodcastsSpotifyGoogle PodcastsOvercastFollow Us on Social Media@ChristianPost on TwitterChristian Post on Facebook@ChristianPostIntl on InstagramSubscribe on YouTubeGet the Edifi AppDownload for iPhoneDownload for AndroidSubscribe to Our NewsletterSubscribe to the Freedom Post, delivered every Monday and ThursdayClick here to get the top headlines delivered to your inbox every morning!Links to the NewsNewsboys, owner sue MercyMe, concert promoters and media outlets | EntertainmentChristians urge international action over crisis in Iran | WorldNick Vujicic debunks viral death, cancer rumors | U.S.SCOTUS sides with pro-life group suing NJ over donor records | PoliticsJimmy Kimmel under fire: NRB calls for FCC probe after Trump joke Church employee accused of embezzling over $16K in checks | U.S.Median worship attendance highest since COVID lockdowns: report | Church & Ministries

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In debates about the Supreme Court, we tend to focus on the justice who writes the opinion. But what if that's not where the real power lies? In this episode, we speak to Jonathan P. Kastellec, Professor at Princeton University, about his new paper that challenges how we think about decision-making on the Court. Instead of opinion authors driving the law, Kastellec argues that power often rests with the median justice within the majority coalition—the key vote needed to hold five justices together. So how does bargaining actually work behind the scenes? Why do some precedents erode gradually while others collapse all at once? And what does this tell us about major decisions—from long-standing rulings to sudden reversals? Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Program notes:0:30 Controlling HTN after intracerebral hemorrhage1:30 Triple pill or placebo2:30 Only effective treatment is lowering blood pressure3:32 Serum creatinine levels4:15 Is there a role for Paxlovid?5:15 Did not reduce hospitalization or death6:10 Fast antimicrobial susceptibility test for gram negative7:10 Desirability of outcome ranking or DOOR8:10 Median time to effective therapy reduced9:10 Was not superior10:07 Acute sinusitis treatment11:15 Secondary effects higher with augmentin12:21 End

Private Property is the way to success in America How does the median home price compare to New York state? And, what to do when your business has got to go! Cheri Hill from Sage International knows the way. sageintl.com or 800-254-5779

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Host: Ben Criddle (@criddlebenjamin) and Co-Host: (ronthe3manweav)Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

In this episode, Jeff and Danny explore current workforce data and projections from the U.S. Bureau of Labor Statistics (BLS), focusing on the growing demand for skilled trades professionals across the United States. They discuss how industries like construction, energy, and infrastructure are creating increased demand for roles such as welders, carpenters, electricians, plumbers, and HVAC technicians. The conversation also highlights newer opportunities connected to renewable energy systems, electrification, and AI-driven infrastructure development. The hosts break down median wage insights, job security trends, and long-term employment projections, showing why trades careers continue to outperform expectations in stability and earning potential. They also emphasize the importance of awareness, mentorship, and training programs to help close the gap between open positions and available skilled workers.  guest links   Twitter - https://twitter.com/JeffMudd LinkedIn - https://linkedin.com/in/jeffmudd Website - https://thetradespodcast.com/    key  topics Demand and growth in skilled trades Median wages and job openings Emerging fields: solar, AI infrastructure Career pathways in welding, carpentry, HVAC Impact of technology and geopolitics on trades   Chapters 00:00 Introduction to the Trades Podcast and Overview of Part Two 01:19 Exploring the Demand for Skilled Trades 05:46 Welding: Opportunities and Industry Insights 09:54 Carpentry: Career Paths and Earnings Potential 13:47 Construction Labor: Entry Points and Growth 17:53 Heavy Equipment Operations: Skills and Opportunities 23:21 Career Longevity in Heavy Equipment Operations 23:58 Transitioning from Laborer to Heavy Equipment Operator 25:40 Understanding Industrial Machinery Mechanics 27:25 Opportunities for Retiring Workers in Mechanics 29:18 The Role of HVAC in Modern Infrastructure 31:25 Elevator and Escalator Mechanics: A Niche Field 34:27 The Financial Benefits of Elevator Installation Careers 37:24 The Growing Field of Solar Energy 40:19 Regional Demand for Solar Installers 41:56 Future Opportunities in Solar and Space 43:13 Recap of Key Trades and Their Growth 44:53 The Value of Trades vs. Traditional College Paths 47:07 Building a Positive Work Culture in Trades 49:02 The Demand for Skilled Workers in the Trades  resources Bureau of Labor Statistics 2026 Report - https://www.bls.gov/ BlackRock Skill Trades Investment - https://www.blackrock.com/ Simpson Strong Tie Texas Facility Tour - https://www.youtube.com/watch?v=example SpaceX Artemis Missions - https://www.spacex.com/ Solar Energy Industry Insights - https://www.energy.gov/renewables/solar National Association of Home Builders (NAHB) - https://www.nahb.org/ About The Trades PodcastWebsitehttps://www.thetradespodcast.comHosted byJeff Mudd and Danny TorresThe Trades Podcast features real conversations with business owners, trades leaders, and industry innovators making an impact in the skilled trades community. Support the Trades MovementIf this episode inspires you, share it with someone in the trades or anyone thinking about starting a home-services business. Like, comment, and subscribe to help more people discover these conversations.

How's the market? It's the number one question in real estate, and in this episode of Tom's Take, we break down the March 2026 housing data for the Greater Philadelphia area. We cover what's happening across Chester County, Delaware County, Montgomery County, Philadelphia, Bucks County, South Jersey, and beyond, including: * Closed sales trends
 * Median sales price growth
 * Days on market
 * Active inventory increases
 * Mortgage rate movement
 * What it all means for buyers and sellers in Q2, Q3, and the rest of 2026
 The big story: prices are still rising, inventory is improving, and homes are still selling quickly, especially in the suburban counties. If you're a buyer, there are more options than last year. If you're a seller, strong demand and rising prices are still working in your favor. This is the local market update you need if you're planning to buy or sell in the Philadelphia suburbs.

A century-long study by Hendrik Bessembinder reveals a stunning truth about investing: while the U.S. stock market produced enormous overall wealth, the vast majority of individual stocks were losers, with just 46 companies responsible for half of all gains. Don and Tom unpack what this means for investors—namely, that stock picking is essentially a losing game driven more by luck than skill, and that broad diversification through index investing is the only reliable way to capture market returns. They also tackle a listener question on annuities vs. CDs, highlighting trade-offs between yield, safety, and liquidity, while reinforcing their long-standing skepticism of locking up money for marginal gains.0:13 “Miss a day, miss a lot” — but missing the right stocks matters far more1:09 Introduction to Bessembinder's 100-year stock market study2:35 30,000 stocks, 30,000% total return — but context matters3:21 Median stock return is negative — most stocks lose money3:55 60% of stocks destroy wealth; only a minority create gains5:25 Just 46 companies generate half of all market wealth6:24 The near impossibility of picking winning stocks consistently7:01 Why stock picking is closer to lottery odds than skill7:56 Broad diversification as the only reliable strategy8:50 Owning the entire market captures the winners automatically9:25 Active management vs. indexing — evidence vs. anecdotes10:00 Skill vs. luck in outperforming managers (near zero true skill)11:19 Behavioral flaws: confusing stories with evidence12:25 Fundamentals vs. sentiment in long-term stock performance12:59 Emotional investing pitfalls and the need for discipline13:42 Listener question: annuity vs. CD for short-term cash15:30 Risks of annuities vs. FDIC-insured alternatives16:37 Liquidity trade-offs and current CD rate comparisons18:05 Laddering CDs vs. locking into annuities18:33 Listener question on podcast changes post-radio transition19:36 Reflections on leaving live radio and moving fully to podcast22:06 Free portfolio reviews and fiduciary advice offer23:01 Call for listener support as big-name podcasts growQuestions? Comments? Click!

Favour Obasi-ike, MBA, MS discusses the critical differences between "fat" (bloated) and "lean" (optimized) websites. He explains how large file sizes, unoptimized images, and poor technical setups negatively impact search engine rankings and user experience. Favour emphasizes technical SEO, structured data, and webpage indexing, providing actionable advice on compressing assets, improving site speed, and preparing websites for future search engine updates. The conversation highlights the value of consistent content creation and building a strong technical foundation for long-term business success.Who is this for?Business owners, web developers, digital marketers, and SEO professionals looking to optimize their websites for better search engine indexing, faster load times, and improved user experience. It's valuable for understanding technical web performance, managing page bloat, optimizing images, and implementing structured data for long-term growth.Key Moments & Timestamps00:00 - Introduction: Fat vs. Lean websites, technical SEO, and webpage indexing.02:08 - Impact of large images and web bloat on site speed and rankings.05:35 - Defining a lean website and benefits of compressing files (e.g., compressor.io).07:21 - Checking website health and page sizes using Siteliner and GTmetrix.09:38 - Historical context: Median mobile homepage file size increased from 845 KB in 2015 to 2.3 MB in 2025.29:08 - Importance of legible fonts and responsive design for users and search bots.31:34 - Utilizing structured data and Schema.org to enhance technical SEO.50:50 - Jason's feedback on Favour's consistency and the value of qualitative feedback.01:00:50 - Timeline for SEO results (3-12 months for initial impact, 6-24 months for realistic growth).01:05:29 - Final summary: Building lean websites with crucial semantics for future-proofing (2026+).FAQsQ: What is the difference between a fat and a lean website?A: A fat website has excessive bloat (large images, heavy code), slowing load times and hurting SEO. A lean website uses compressed assets and efficient code, resulting in faster load times, better UX, and improved indexing.Q: How can I check if my website is fat or lean?A: Use Siteliner.com to check page sizes and identify thick/thin pages. GTmetrix.com helps analyze loading speed and performance grade.Q: Does compressing images ruin their quality?A: Not necessarily. It depends on lossless vs. lossy compression. Tools like compressor.io reduce file sizes while maintaining acceptable visual quality.Q: How long does it take to see results from technical SEO improvements?A: Generally, 3 to 12 months for initial results, but expect 6 to 24 months for more realistic and substantial long-term growth.Action StepsAudit Your Website: Use Siteliner and GTmetrix to evaluate page sizes, load speeds, and site health.Compress Assets: Identify large files and use compressor.io to reduce size without sacrificing quality.Implement Structured Data: Visit schema.org to apply structured data mapping to help search engines understand your content.Optimize for Mobile & Accessibility: Ensure body text is at least 16px and scales up to 200% without breaking layout.Book a Consultation: Reach out to Favour Obasi-ike at info@playinc.online or via his booking link for a personalized website audit and SEO strategy or visit Favour's quick link here.Ready to Rank? Book Your SEO & Web Dev Services Today

Episode DescriptionMost of us never got a formal money education — and the statistics show it. In this episode, CFP(r) David Chudyk breaks down exactly how to raise financially intelligent, grounded kids at every age — from toddlers to teenagers. Whether you're still building wealth or you've already made it, this episode is packed with practical, age-by-age strategies to make sure your kids don't become part of the next generation of financial statistics.David also tackles one of the hardest challenges in high-net-worth parenting: how do you raise grateful, hardworking kids when the answer to "can we afford it?" is almost always yes? And for business owners, he shares a legitimate IRS-approved tax strategy that teaches your kids about money and reduces your tax bill at the same time.What You'll Learn in This EpisodeThe alarming state of American household finances in 2025–2026 — and why your kids are at risk of repeating the patternWhy money beliefs form as early as age 3–5 (and what yours are teaching your children right now)How to talk about money in a way that builds an abundance mindset instead of a scarcity mindsetAn age-by-age framework for teaching kids about money (ages 3–18)What Warren Buffett, Bill Gates, Gordon Ramsay, and Shaquille O'Neal all have in common when it comes to their kids and inheritanceWhy 67% of millionaires are afraid to pass their wealth on to their childrenPractical strategies for high-net-worth families to raise grounded, non-entitled kidsA powerful IRS-approved tax strategy for business owners: hiring your kids and potentially funding a Roth IRA tax-freeA real-life college housing strategy David used with his own son that eliminated housing costs and built equityKey Timestamps[00:00] – Hook: Did your parents ever give you a money lesson?[01:30] – Welcome & podcast overview[02:30] – The state of American household finances (2025–2026 stats)[04:30] – Why schools aren't solving the financial literacy problem[05:30] – How to talk about money without creating a scarcity mindset[07:00] – Ages 3–6: The three-jar system, demystifying cards, and keeping it visual[10:00] – Ages 7–12: Allowance tied to contribution, wants vs. needs, savings accounts[12:30] – Ages 13–18: Debit cards with budgets, real household finances, custodial brokerage accounts, the first paycheck conversation[15:30] – The high-net-worth parenting challenge: raising grateful kids when money is no object[18:00] – Research on affluent kids: entitlement, anxiety, and the third-generation wealth wipeout[20:00] – What Buffett, Gates, Ramsay & Shaq say about inheritance[23:00] – 5 strategies for high-net-worth families[28:00] – The business owner tax strategy: hiring your kids legally[33:00] – The college real estate strategy David used with his own son[36:00] – Soul-searching wrap-up: What money mindsets are you passing on?Stats Referenced in This EpisodeU.S. household debt: $18.8 trillion (all-time high; ~$105,000/household)Median emergency savings: $600Nearly 1 in 5 Americans has zero emergency savings37% of Americans can't cover an unexpected $400 expense46% of credit card holders carry a balance at an average rate of 21%Median 401(k) balance for those approaching retirement: $44,115Only 27 states require a personal finance course to graduate high school67% of millionaires worry about leaving too much money to their kidsResources & Links Mentioned

Tornadoes, gendered for a reasonNew Grumors!Meteor game! Which metropolis does Spencer dub "The Tampa of Ohio" and why is that not the meanest thing he's going to say in the next ten minutes?Who is the Chet Hanks of the Mannings?This year's Fullcast mystery brackets ask the important questions, such as: Has cryosleep gotten a bad rap? Is there pizza in the future? Will we never trust North Carolinians to handle snakes properly?Who will join previous bracket champions Mariah Carey and Old-Timey Mine Cart? Everybody be cool and follow the instructions to determine our winner! You did a really good job at this last year, and we're proud of you! Do not make us unproudThe Shutdown Fullcast is on Patreon. This is how we pay our producers, and occasionally ourselves. If you'd like to help with that, give us $4 a month (or a larger, funnier number of your choosing) and we'll give you bonus episodes. As of this recording we have delivered 27 (twenty-seven) bonus episodes since launching in August. We think this is a pretty good deal (for you)Now through March 31, 100% of proceeds from all PTKU merch sales will be donated to TransVisible Montana. Visit preownedairboats.com to purchase BRAND-NEW BLUE SHARKS GEAR #EXCLUSIVEShutdown Fullcast is produced by Michael Ray Surber Fullcast theme variant arranged and performed by Trey McClureDID YOU KNOW: Spencer and Holly write Channel 6, a year-round newsletter that is mostly about football, until it's notBefore the world ends (again), treat yourself to Jason's critically praised novel and other workTravel in your mind palace to Phantom Island, Ryan's new show with Steven Godfrey, which is not a college football show because another simply cannot existCheck out Surber's band, Killer Antz

This 2026, be an Empowered Investor! Join us at the Empowered Investor Live this May! Get your tickets today! https://empoweredinvestorlive.com/ Jason welcomes economist and author Michael Zuber as he discusses his "54-year spreadsheet," a comprehensive data project designed to analyze historical economic trends and real estate performance since 1970. By comparing the high-interest-rate environment of the Paul Volcker era to modern conditions, Zuber argues that rising rates typically lead to a crash in transaction volume rather than a collapse in home prices. The discussion highlights how leveraged appreciation makes residential real estate a superior wealth-building tool compared to the stock market. Zuber specifically critiques "doomer" content creators for using flawed metrics that ignore mortgage affordability, causing many people to miss out on significant equity gains. Ultimately, the source serves as a data-driven defense of income property investment and a warning against following pessimistic financial advice that lacks historical context. Download the spreadsheet here https://onerentalatatime.com/downloads/ #OneRentalAtATime #RealEstateInvesting #MichaelZuber #HousingMarket #EconomicHistory #InterestRates #Inflation #WealthBuilding #FinancialIndependence #MortgageRates #HousingInventory #MarketAnalysis #RealEstateTrends #InvestmentStrategy #PassiveIncome #Leverage #Macroeconomics #PropertyAppreciation #Affordability #EconomicOutlook   Key Takeaways: 0:00 By the time Trump's term is over 4:19 Those are 2 different things 7:53 Be an Empowered Investor https://empoweredinvestorlive.com/  Join us https://mastermindyachtadventures.com/ Michael Zuber interview 9:28 The lead up to the 54 year spreadsheet 16:10 History of numbers 27:59 The crash that happened 32:53 A great leading indicator for retail sales 35:17 Median price home :: Median income  38:55 The dogs that don't bark 43:37 Be careful who you listen to    _______________________________________________________________   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Program notes:0:44 Adolescents and sleep duration1:44 Very short sleep duration2:44 Increased among all subgroups3:45 Structural factors more important4:45 Moving school start later5:02 GLP1 agonists and various patient characteristics6:02 Greater weight loss in women7:06 A blood test to predict onset of symptomatic Alzheimer's8:06 Median error of 3-4 years9:06 Window of 11.4 years for an 80 year old10:05 Screening for colorectal cancer 11:05 Colonoscopy and FIT diagnosed early12:33 End

Minne matka, Eurooppa? -podcastsarja alkaa! Euroopan parlamentin Suomen toimiston kanssa yhteistyössä toteutetun neliosaisen sarjan ensimmäisessä jaksossa pureudutaan mediaan vapauden tilaan Euroopassa. Median vapaus on yksi toimivan demokratian peruspilareista, mutta Euroopassa sitä ei voi enää pitää itsestäänselvyytenä. Samaan aikaan kun disinformaation määrä kasvaa, poliittinen paine ja taloudelliset vaikeudet horjuttavat uutistoimitusten riippumattomuutta. Joissakin EU-maissa mediaan kohdistuu jo suoranaista valtiollista ohjailua, kun taas toisissa toimittajia uhkaavat häirintä, maalittaminen ja laajempi poliittinen polarisaatio. Sarjan ensimmäisessä jaksossa tarkastellaan, millaisessa murroskohdassa eurooppalainen media toimii ja miten EU pyrkii turvaamaan tiedonvälityksen riippumattomuuden uudella medialainsäädännöllä (EMFA). Samalla pohditaan, missä määrin sosiaalinen media, teknologiajätit ja informaatiosota muokkaavat julkista keskustelua, ja kenen käsiin valtanarratiivi lopulta keskittyy. Vieraina jaksossa ovat europarlamentaarikko Katri Kulmuni Uudistuva Euroopa-ryhmästä sekä Journalistiliiton kansainvälisten asioiden asiantuntija Salla Nazarenko. Äänitys: 17.2.2026 Juontajat: Arttu Uuranmäki ja Sanni Granqvist Grafiikka: Miro Johansson Tuottaja: Arttu Uuranmäki Editointi: Julius Nevanlinna Jingle: Petri Vanhanen Jakso äänitettiin Krash Oy:n studiolla.

听前提示一、每期提供10个单词，每个单词都会有2-3个例句，方便理解记忆。二、每个单词和句子都会重复5遍，其中第2遍为慢速，有助于识别。三、本材料的整体难度较低，可以用来听力磨耳朵和单词查漏补缺。Day 1431421.Meaningn.意思，意义，含义What is the meaning of life?生命的意义是什么？What's the meaning of this word?这个词是什么意思？Can you guess the meaning of this phrase from the context?你能从上下文中猜出这句话的含义吗？1422.Measurev.测量，权衡n.措施，办法We want to measure your blood pressure.我们想测量你的血压。It can't be measured with money.这是不能用金钱衡量的。1423.Measurementn.测量结果；三围，计量Accurate measurement is very important in science.精确的测量在科学中非常重要。1424.Meatn.(食用)肉类Americans eat a lot of meat.美国人吃了很多肉。I never feed my dog raw meat.我从来不给我的狗喂生肉。Cut the meat into thin slices.将肉切成薄片。1425.Median.新闻媒体，传媒Don't believe the media.别相信媒体。1426.Medicala.医学的，医疗的，医药的I need medical help.我需要医疗帮助。She's a medical student.她是一名医学生。Do you have medical insurance?你有医疗保险吗？1427.Medicinen.内服药，医药；医学Do you have any cough medicine?你有止咳药吗？Have you taken your medicine yet?你吃过药了吗？The medicine had an immediate effect.这种药物立即生效。1428.Meetn.会议v.遇见；会谈；满足Nice to meet you.很高兴见到你。Let's meet in front of the main gate at 8:30.让我们在8：30在正门前集合。It's an honor to meet you here, Mr. President.能在这里见到你真是太荣幸了总统先生。1429.Meetingn.会议，汇合，会见We had a secret meeting.我们举行了一次秘密会议。The meeting is taking place at a secret location.会议在一个秘密地点举行。We hope to generate some new ideas at the meeting.我们希望在会议上产生一些新的想法。1430．Meltv.(使）融化，（使）熔化Her smile melts my heart.她的微笑融化了我的心。Don't let your ice cream melt.不要让你的冰淇淋融化。

ML engineering demand remains high with a 3.2 to 1 job-to-candidate ratio, but entry-level hiring is collapsing as AI automates routine programming and data tasks. Career longevity requires shifting from model training to production operations, deep domain expertise, and mastering AI-augmented workflows before standard implementation becomes a commodity. Links Notes and resources at ocdevel.com/mlg/mla-30 Try a walking desk - stay healthy & sharp while you learn & code Generate a podcast - use my voice to listen to any AI generated content you want Market Data and Displacement ML engineering demand rose 89% in early 2025. Median salary is $187,500, with senior roles reaching $550,000. There are 3.2 open jobs for every qualified candidate. AI-exposed roles for workers aged 22 to 25 declined 13 to 16%, while workers over 30 saw 6 to 12% growth. Professional service job openings dropped 20% year-over-year by January 2025. Microsoft cut 15,000 roles, targeting software engineers, and 30% of its code is now AI-generated. Salesforce reduced support headcount from 9,000 to 5,000 after AI handled 30 to 50% of its workload. Sector Comparisons Creative: Chinese illustrator jobs fell 70% in one year. AI increased output from 1 to 40 scenes per day, crashing commission rates by 90%. Trades: US construction lacks 1.7 million workers. Licensing takes 5 years, and the career fatality risk is 1 in 200. High suicide rates (56 per 100,000) and emerging robotics like the $5,900 Unitree R1 indicate a 10 to 15 year window before automation. Orchestration: Prompt engineering roles paying $375,000 became nearly obsolete in 24 months. Claude Code solves 72% of GitHub issues in under eight minutes. Technical Specialization Priorities Model Ops: Move from training to deployment using vLLM or TensorRT. Set up drift detection and monitoring via MLflow or Weights & Biases. Evaluation: Use DeepEval or RAGAS to test for hallucinations, PII leaks, and adversarial robustness. Agentic Workflows: Build multi-step systems with LangGraph or CrewAI. Include human-in-the-loop checkpoints and observability. Optimization: Focus on quantization and distillation for on-device, air-gapped deployment. Domain Expertise: 57.7% of ML postings prefer specialists in healthcare, finance, or climate over generalists. Industry Perspectives Accelerationists (Amodei, Altman): Predict major disruption within 1 to 5 years. Skeptics (LeCun, Marcus): Argue LLMs lack causal reasoning, extending the adoption timeline to 10 to 15 years. Pragmatists (Andrew Ng): Argue that as code gets cheap, the bottleneck shifts from implementation to specification.

AI is already displacing workers in targeted ways - entry-level knowledge workers are being quietly erased from hiring pipelines, freelancers are getting crushed, and the career ladder is being sawed off at the bottom rungs. Yet ML engineer demand has surged 89% with a 3.2:1 talent deficit and $187K median salary. Covers the real displacement data, lessons from the artist bloodbath, the trades escape hatch, the orchestrator treadmill, expert disagreements on timelines, and concrete short- and long-term career moves for ML engineers. Links Notes and resources at ocdevel.com/mlg/mla-4 Try a walking desk - stay healthy & sharp while you learn & code Generate a podcast - use my voice to listen to any AI generated content you want Market Metrics and Displacement Dynamics ML Market: H1 2025 demand rose 89% with a 3.2 to 1 talent deficit. Median salary is $187,500, while Generative AI specialists earn a 40 to 60 percent premium. The "Quiet" Decline: Macro data shows only 4.5% of total layoffs are AI-attributed, but entry-level hiring is collapsing. Stanford/ADP data shows a 13 to 16 percent employment drop for workers aged 22 to 25 in AI-exposed roles since late 2022. UK graduate job postings fell 67%. Corporate Attrition: Salesforce cut 4,000 roles after AI absorbed 30 to 50 percent of workloads. Microsoft cut 15,000 roles as AI began generating 30% of its code. Amazon cut 30,000 jobs while spending $100 billion on AI infrastructure. Sector Analysis: Creative and Trades Illustrators: Jobs in China's gaming sector fell 70% in one year. Clients accept "good enough" work (80% quality) at 5% of the cost. Western freelance graphic design and writing jobs fell 18.5% and 30% respectively within eight months of ChatGPT's launch. Manual Labor: The U.S. construction industry lacks 1.7 million workers annually, but apprenticeships take five years. Humanoid robotics are advancing, with Unitree's R1 priced at $5,900 and Figure AI robots completing 1,250 runtime hours at BMW. Full automation is 10 to 15 years away, but partial displacement via smaller crews is closer. The Orchestration Treadmill Obsolescence Speed: Prompt engineering roles went from $375,000 salaries to obsolescence in 24 months. AI coding agents like Claude Code now resolve 72% of medium-complexity GitHub issues autonomously. Fragile Expertise: Replacing junior workers with AI prevents the development of future senior talent. New engineers risk "fragile expertise," directed by tools they cannot debug during novel failure modes. Economic and Expert Outlook Macro Risks: Daron Acemoglu warns of "so-so automation" that cuts costs without raising productivity, predicting only 0.66% growth over ten years. "Ghost GDP" describes AI-inflated accounts that fail to circulate because machines do not consume. Expert Camps: Accelerationists (Anthropic, OpenAI) predict human-level AI by 2027. Skeptics (LeCun, Marcus) argue LLMs are a dead end lacking world models. Pragmatists (Andrew Ng) suggest shifting from implementation to specification as the cost of code nears zero. Tactical Adaptation for ML Engineers Immediate Skills: Master production ML systems, MLOps, LLM evaluation, and safety engineering. Ability to manage deployment risks and hallucination detection is the primary hiring differentiator. Long-term Moats: Focus on "Small AI" (on-device, private), mechanistic interpretability, and deep domain knowledge in healthcare, logistics, or climate science. The Playbook: Optimize for the current three to five year window. Move from being a model builder to a product-focused engineer who understands business tradeoffs and regulatory compliance.

Previous studies have shown that arthroscopic Bankart repair (ABR) for the treatment of anterior shoulder instability (ASI) may lead to high rates of instability recurrence and revision surgery at 10-year follow-up, but data on 20-year postoperative outcomes are scarce.   In conclusion, about 1 in 3 patients reported instability recurrence or redislocations, and 1 in 5 underwent further surgery. In patients who did not undergo further surgery, good to excellent shoulder function as well as low pain and instability levels were observed at a minimum 20 years after ABR. The presence of inferior glenohumeral laxity was associated with a higher risk for subjective reinstability, and the use of fewer anchors was associated with redislocations.   Click here to read the article.

In this episode of Seacoast Real Talk with John Rice, John, an expert from Tate and Foss Sotheby's International Realty, provides a comprehensive update on the Southern Maine and New Hampshire Seacoast real estate market. Focusing on data from the end of 2025 and early 2026, John discusses market normalization, rising inventory, and the significant presence of high-end transactions. Key trends include flat sales volume, rising single-family home prices, and a substantial number of high-end condominium sales in Portsmouth. John also highlights the impact of interest rates and the expectations for market adjustments in 2026. Additionally, John recounts his standout year in sales and shares personal anecdotes, including attending the Liberty Bowl and future travel plans. The episode emphasizes the unique desirability of the Seacoast area, driven by amenities, tax benefits, and a high quality of life. Contact John Rice HEREContact Sean Fellows HEREContact Michelle O'Dell HERE

The GoGaddis Real Estate Radio Show with Cleveland (Cleve) Gaddis | Atlanta Housing & Market Insight Presented by Modern Traditions Realty Group www.moderntraditionsrealty.com In this high-energy segment of The Go Gaddis Real Estate Radio Show, we dive into why the Atlanta real estate market is more than just a place to live, it's a global stage for creators and investors alike. As we navigate the 2026 market, we explore the unique synergy between our world-class music industry and the neighborhoods that make this city hum. Atlanta isn't just a city; it's a "music hotspot" outperforming traditional hubs like Nashville and Los Angeles. In this episode, we break down why the creative energy of the Atlanta real estate market is driving a new wave of demand. Whether you are an artist looking for a "home base" or an investor seeking long-term stability, we provide the data-backed clarity you need to make a real estate smart investment. The 7-Day Atlanta Market Update: As of early February 2026, we're seeing a fascinating "divergence" in local supply. While some pockets like Hoschton are shifting toward a slight buyer's advantage, nearby areas like Buford and Dacula are quietly tightening with steady demand. Median sales prices across Metro Atlanta have stabilized around $380,000, with inventory holding in the "balanced" range of 3 to 6 months. The Music Hotspot Advantage: Atlanta currently ranks as a top U.S. music hotspot, boasting over 570 musical artists per 100,000 residents. We discuss how this vibrant scene fuels local economies and sustains home values. Listener Question: Safe Investing for Newcomers "How can someone invest in real estate safely if they are new to it?" Cleve offers thoughtful insight and real-world advice you won't want to miss. Want more local real estate insights? Visit our website to see more market updates or call us at 770-497-0000 to discuss your specific home value. The insights shared on the show reflect the same guidance provided daily by Modern Traditions Realty Group. If you'd like a no-pressure conversation about your home's value, equity position, or the right timing for your next move, visit ModernTraditionsRealty.com or to connect with Cleve and submit questions for future segments, visit GoGaddisRadio.com.

Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests 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   Russell Gray  1:18   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 you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre. Or or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   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 pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   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  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

We explore the forces likely to shape financial markets in 2026 and how to make better decisions as you pursue your goals this year.Topics covered include:The difference between intentions and resolutionsKey behavioral biases and how to overcome themThe cautionary tale of a private real estate fund that went publicIs the affordability crisis real?The big test for AI in 2026The financial and economic outlook for the yearSponsorsGelt - Taxes Done RightMasterworks - Invest in multimillion-dollar artwork offeringsDelete Me – Use code David20 to get 20% offInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesA Slightly Better You in the New Year by Roland Fryer—The Wall Street JournalPaying Not to Go to the Gym by Stefano DellaVigna and Ulrike Malmendier—American Economic AssociationHandbook of Cognitive Biases—Federal Intelligence Service FISEmployed full time: Median usual weekly real earnings: Wage and salary workers: 16 years and over—Federal Reserve Bank of St. LouisAmerica's affordability crisis is (mostly) a mirage—The EconomistWhen Your Private Fund Turns $1 Into 60 Cents by Jason Zweig—The Wall Street JournalCanadians Are Furious After Real Estate Funds Lock Up Their Money by Paula Sambo—BloombergBlue Rock TI+ Annual Report—Securities and Exchange CommissionWhich jobs have grown (and declined) fastest during your working life? by Andrew Van Dam—The Washington PostIs AI More Like a Mind or a Market? by Walter Frick—BloombergDon't Fear the Bubble Bursting by Carl Benedikt Frey—The New York TimesRelated Episodes484: 7 Steps to Living a Longer Life414: Use Caution with Private REITs like Blackstone's BREITSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we challenge claims about economic stagnation by examining how interest, investing, and long-term saving actually shape wealth and retirement outcomes, including what it takes to reach a million dollars on different income levels. We then turn to public health, discussing the failures of the original food pyramid, the rise of snacking and carbohydrates, and the proper role of government as an information provider rather than an enforcer. In the “foolishness of the week,” we look at New York City's expanding housing bureaucracy and why rent control continues to worsen affordability. We close with an in-depth discussion of Iran's nationwide protests, internet shutdowns, water shortages, and the geopolitical consequences of a potential post-theocratic Iran for the Middle East and beyond. 00:00 Introduction and Overview 00:25 The “52 Years to Escape the Middle Class” Myth 02:29 What It Takes to Retire With $1 Million 04:25 Saving on Median vs. Bottom-Income Earnings 06:15 Narratives About Stagnation vs. Financial Reality 07:10 The New Food Pyramid and RFK Jr.'s Role 08:53 Why the Original Food Pyramid Failed 11:04 Government as Information Provider vs. Enforcer 13:04 Foolishness of the Week: NYC's New Housing Bureaucracy 16:06 Rent Control and Why It Makes Housing Worse 17:46 Iran's Nationwide Protests and Media Silence 20:26 Why Theocracies Look Strongest Before Collapse 22:02 Internet Shutdowns and Regime Panic in Iran 24:08 Why Mainstream News Isn't Covering the Story 26:31 What a Post-Theocracy Iran Could Look Like 31:11 Iran's Looming Water Crisis 34:07 Geopolitical Fallout for Russia and the Middle East 36:24 Final Thoughts on Regime Change and Human Cost Learn more about your ad choices. Visit podcastchoices.com/adchoices

1. Immigration and Housing Mass immigration under President Biden increased rental demand and housing prices. Trump’s deportations and border enforcement are lowering rents and home prices. Median age of first-time homebuyers is rising above 40 (highest since WWI). Wharton study: “Every 1% population increase → rents up 1%.” Recent rent declines (−1.1% YoY, −5.2% vs. 2022 peak). Tax Policy Changes (2026) Highlights upcoming measures: No tax on tips No tax on overtime No tax on Social Security for seniors Suggests millions will receive IRS refunds starting January. HUD Report HUD finds that immigration significantly drove up housing demand and prices, especially for low-income Americans without assistance. 2. DOJ/FBI and Mar-a-Lago Raid Newly released emails show FBI doubted probable cause for the 2022 raid but proceeded under pressure from Biden DOJ. There were political motives behind the raid, calling it “abuse of power.” Lack of whistleblowers and calls for congressional hearings. 3. Last 3 BIG WINS of this past year Space Announces $10 billion investment in NASA and commercial space through the Working Families tax cut. Goal: U.S. lunar landing by 2028 (ahead of China’s 2030 target). Emphasizes jobs (50,000+ in Texas), national security, and inspiration for youth. Automotive Policy CAFE standards were “zeroed out” to reduce car costs and improve safety. Biden-era fuel economy rules are an attempt to ban internal combustion engines. Online Safety – “Take It Down Act” Makes posting non-consensual intimate imagery (including AI deepfakes) a felony. Grants victims a statutory right to demand immediate removal from platforms. Bipartisan passage and signing in the Rose Garden with First Lady Melania Trump. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Stu Burguiere reacts to some popular information circling the mainstream media regarding the future of our housing market and explains why one MAJOR factor is missing from their calculus. Then Blaze News managing editor Rob Eno joins in to give us HIS roundup of how the mainstream media and Left are faring in Donald Trump's second term. And Stu checks in on his favorite new person: Olivia Nuzzi.  TODAY'S SPONSORS AMERICAN GIANT CLOTHING Buy American today at http://www.american-giant.com/STU and save 20% when you use the name ‘STU' at checkout   REAL ESTATE AGENTS I TRUST For more information, please visit http://www.realestateagentsitrust.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Winship analyzes 50 years of US median earnings, preferring the MACPI to accurately adjust for cost of living. He finds that the middle class is better off: women's earnings are up 120%, and men's are up 40–50%. Winship disputes populist theories that income inequality or the China shock are the main villains, noting that the worst period for young men was 1973–1989, predating those factors. Guest: Scott Winship.1/2