Podcasts about midwest

On this episode, the guys bring in Disc Golf Chicago's own Eric Savoie and Kevin Derrick to discuss their role in bringing disc golf to the city.  Their persistence with the park districts to be formally recognized as a viable and sustainable solution to preserving nature and allowing city-goers to enjoy green space is truly inspiring.   They get into all the events and tournaments they have run, and how they have turned into park district supported/funded programs for children and adults alike.  Also, they mention what is in store for the future of the community and their organization.  Alex plans to film a wedding for the first time, while Sean's PTSD resurfaces as he's reminded of events past.  Ryan just can't get behind Mexico's aliens, and Jason can't even figure out how to say our guests' names.  

EPISODE SUMMARY: Ever wondered how you can create long-term wealth through real estate investing? Strap in as we talk strategy and opportunities with army special operations veteran turned real estate investor, Eric Upchurch. Eric will blow your mind as he reveals the twists and turns of his journey, from his humble Midwest roots to multifamily units, storage, mobile home parks, and student housing. Hang tight as he spills the beans on his investment tactics from purchasing a fourplex with a VA loan to house hacking. Eric offers a no-holds-barred look into his journey as a limited partner and explains how his experience, including investing in a fourplex in Bakersfield in 2008, shaped his real estate approach. Eric underscores the importance of education and understanding the resources available to you. But prepare yourselves, because this conversation isn't just about real estate investing. We wrap up with Eric opening up about his mission and purpose, urging listeners to discover their own passions and find happiness in giving back. He hammers home the importance of taking action, learning, networking, and adding value to others. So get ready for a conversation that's not just about real estate, but about unlocking your potential and finding your "why". Your journey to success starts now with Eric Upchurch. ERIC'S BIO: Eric Upchurch is an Army Special Operations veteran who has a passion for educating the military community on how to create long term wealth through real estate investing. He has invested in thousands of multifamily, storage, mobile home park and student housing units as a General Partner over the last decade with involvement in sourcing, capital raise, risk capital, asset management, investor relations and as Key Principal. While serving our nation, Eric completed 5 combat deployments, and earned a Master's Degree in Aeronautical Science while managing a 27-man squad, deployed around the globe. Eric now serves as Co-Founder of Active Duty Passive Income (ADPI) and is a Senior Advisor with ADPI Capital. Eric resides in California with his wife of 18 years and two boys. GET IN TOUCH WITH ERIC: www.activedutypassiveincome.com www.ericupchurch.com EPISODE CHAPTERS: (0:00:01) - Building Wealth Through Real Estate Investing Eric shares his story of investing in real estate, educating the military community on wealth creation, and his journey to discovering his passion. (0:12:48) - Real Estate Investment Strategies and Scaling Eric shares his journey of investing in a fourplex and house hacking, educating himself on resources and investing passively. (0:17:55) - Real Estate Investing Mindset and Opportunities Eric Upchurch shares his journey of discovering real estate investing, emphasizing the importance of mindset and action, and the potential rewards of taking risks. (0:24:16) - Networks and Action in Real Estate Eric Upchurch purchased a fourplex with a VA loan, connecting people to build a 72-bed student housing deal, and demonstrating the power of taking action in the multifamily industry. (0:38:09) - Finding Purpose and Giving Back Eric Upchurch, a veteran and real estate investor, shares his journey of discovering his mission and encourages listeners to explore their passions and volunteer. (0:45:08) - The Importance of Taking Action Eric shares his story of investing in real estate, emphasizing learning, networking, adding value, and taking action. If you want to know more about Dr. Jason Balara and the Know your Why Podcast: https://linktr.ee/jasonbalara Audio Track: Back To The Wood by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Artist: http://audionautix.com/  

It's our final night here at the beautiful Hilton Tapatio Cliffs Resort and we'll be jetting back to Iowa tomorrow afternoon. It's been a great stay and our thanks to the Independent Distributors Association for asking us to be with them and cover this event as well as offer up some thoughts when it comes to building a better business. Thanks again! If you want to reach us on social media and if you're on Threads you can find  us @Insight_On_Business. And you can hook up with us all day on Twitter or "X" @IOB_NewsHour and on Instagram.  Here's what we've got for you today: The markets tanked today and why; Rupert Murdoch leaves Fox. What's next; Medical Bills, Credit Scores and the Biden Administration; The confusing issue of COVID-19 vaccines; Hey, good news, the Weinermobile is back! Some layoff questions and a programing note. Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

On this week's episode we discuss the dangerous roving gangs of Norse Pagan Vikings taking over the midwest... at least thats what Richard Allen, the Delphi suspect, wants you to believe. Join us for a recap of this week's crime news! Hosts Heather and Dylan Packerwww.patreon.com/mountainmurderspodcast

"On The Greener Side" tells the comedic tale of caring emojis, Fantasy Forest and a Montgomery Ward boom box.

Experiences happen to your customers, no matter what. They just do. But ask yourself: Are my customers' experiences with my business happening by design … or by default. The choice is yours. Customer experience expert Doug Johnson is this month's featured podcast guest, and his wisdom, creativity, and stories will blow you away – or, more important, will hopefully inspire you to put fresh eyes on your equipment business and apply your own creativity in ways that could totally separate you from the crowd. Would anyone know the difference if a competitor's name was swapped into your marketing phrases? What really makes you memorable, or even famous? These things are within your control, Johnson says, and he's about to show you how. Everything in your business speaks, he adds, so what's it saying? And what do you want it to say? Johnson, who is currently the patient experience officer at a major Midwest hospital, has worked in major league sports, retail, restaurants, and has even trained Santas. He may not talk your equipment language, but he's the ultimate universal translator of customer-speak – listen in for an eye-opening discussion that could change your business.   Connect with Doug on LinkedIn   Visit IEDA Group Website   Produced by Social Chameleon

Episode 148: Four out of Five Dentists agree that the Top Dad's is the #1 parenting podcast for middle-aged dads in the Midwest. The Top Dads cover all things related to kid's teeth and how to care for them. Bonus Tip:Does anyone know who Dentist number five is? TDK is looking for him.

Welcome back to the business news headlines for Wednesday the 20th of September and coming to you from the amazing and beautiful Hilton Tapatio Cliffs Resort. We're here on assignment and what a beautiful facility covering some 60 acres NOT counting the golf course. And, if you want to reach us on social media and if you're on Threads you can find  us @Insight_On_Business. And you can hook up with us all day on Twitter or "X" @IOB_NewsHour and on Instagram.  Here's what we've got for you today: The Fed says, "pause" but; Home insurance rates to climb and why; MGM properties back in business. What happened? A frightening story about Google Maps; Ford escaped a second strike think Unicor; Got a pet? Walmart would like to talk; The Wall Street Report; Let's talk about brains and Nuralink. Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

We thought about calling this first episode in our redesigned studio “Between Two Fools,” because that's where Dad is sitting today. 00:00 - IntroductionDad's been in construction so long that he worked on moats. Well, okay, it was a moat in a zoo, but still… Today we ask dad to impart the wisdom and experience he's gained over the last several decades in construction. We've had Dad on the podcast before, but we explore some new areas today. Then one day, his Dad woke him up and said, “Get up. You're going to work.” Grandpa took him to the union hall for a card. Then he took him up to a worksite at Miami University of Ohio and the rest was history. One of his gigs under that first superintendent involved backfilling around an oil tank at a zoo, where he accidentally buried Mom's class ring. Then he had an interesting run-in with a camel.02:20 The College YearsDad shares about the awkward challenges of those early years–learning hand signals for front-end loaders, etc. He explains how the Messer co-op program that gave him a substantial head start in the construction world. Dad's dad had been through the same program.Flipper, a frozen Ohio River, and a general distaste for gloomy Midwest winters then sent Dad south. They loaded up all their possessions and baby Eddie and headed to Sarasota. 12:55 - Heading SouthThe community there was not particularly young-kid friendly, so they moved on to St. Petersburg. Dad shares a story about palmetto bugs leading to another move. Mom was having none of that. 21:10 - Roy and the Arrival of ComputersIn St. Pete, Dad worked in a satellite office of a top-300 company headquartered in Clearwater. There, he worked under the oversight of a supervisor, Roy, who came to be a significant mentor for him. As the “kid” in the office in the early 80s, Dad fell into the role of computer expert.As we discuss the perceptions of technology in those days, Tyler mentions that user interface is really all that has changed and the the basic process is still the same. 32:00 - Hatred of ComputersDad shares about the trials of early computer technology, including large stacks of greenbar paper and the tensions between data vs instinct. We review the various waves of computer technology that have come and gone since Dad stepped into the industry and discuss the glitches that have persisted through all of those changes. This conversation involves dual-floppy computers, monochrome monitors, Lotus 1-2-3, and printers that needed to be enclosed in boxes because of the noise they made. Dad discusses the F9 key that would trigger a manual recalculation in order to preserve processing power with large spreadsheets.38:11 - Interior Finishes and Long-term RelationshipsEddie shifts us forward to the period where Dad started working on interior finishes, when he was able to become more of a difference-maker. The pace picked up at this point, and relationships grew increasingly important. Dad tells about a large job for a company with a team of aggressive MBA grads who had high expectations for quick estimate turnarounds. Dad recounts some specific jobs, recalling the project parameters and completion times. He also talks about some of the colorful characters he encountered along the way. He discusses the efficiencies that came with long-term subcontractor relationships–including “trust that transcends generations.” Helpful Links:Eddie makes a reference to this episode with Chuck Colwill.Find Dad online: LinkedIn - ABSICheck out the partners that make our show possible.Find Us Online: BrosPodcast.com - LinkedIn - Youtube - Instagram - Facebook - TikTok - Eddie's LinkedIn - Tyler's LinkedInIf you enjoy the podcast, please rate us on Apple Podcasts, Spotify, or wherever you listen to us! Thanks for listening

Episode Summary: In this week's episode of your favorite Korean Adoptee podcast, the Janchi Boys sit down with Jonathan Hurley and talk about what it looks like to chase your dream, making Nashville a 2-year town, and going to KAAN as a re-entry into the (Korean) adoptee community. // Meet Jonathan Hurley@jonhurleyguitar on Instagram & TikTokhttps://www.jonhurleyguitar.com/Catch him on tour with Mixtape (an 80s tribute band) https://www.jonhurleyguitar.com/tourdates---// Support the Show!Online at janchishow.com / @janchishowSupport the show at janchishow.com/supportJoin our Facebook Group! janchishow.com/afterpartyWatch our Youtube VideosLeave a voicemail! 972-677-8867Write us a note: janchishow@gmail.comThe Janchi Show Quick BioThe Janchi Show focuses on exploring intersectional identities and current events through the lens of adoption, race, lived experience and more. Sometimes we have guests, and sometimes it's just the three of us. Either way, it's always a janchi!// Meet the Janchi Boys!Nathan NowackNathan (he/him) is a transracial Korean American adoptee who was born in Seoul in the 1970s. He was adopted at the age of 5 months old and raised in a small town in Oklahoma along with a non-biological Korean adopted sister.  After going to college in Colorado he later moved to Los Angeles to pursue a digital media career and eventually started 2 photography companies.  He loves spending time with his wife and 3 kids, playing golf, and collecting Lego. He is in reunion with his biological family as the youngest of 7 and has been in contact since 2015.  He currently serves on the Advisory Council for KAAN and helps with the planning of their annual adoptee conference.  In 2021, Nathan and his family moved back to Colorado to be closer to family and start a new chapter in their lives.  Connect with Nathan!Website: http://www.coverve.comInstagram: http://instagram.com/nnowackPatrick ArmstrongPatrick Armstrong (he/him) is a transracial Korean American adoptee, podcaster, speaker, and community facilitator. He is one of the hosts of the Janchi Show, a podcast that explores and celebrates the experiences and stories of Korean adoptees everywhere. He also is host of Conversation Piece with Patrick Armstrong, a podcast where he discusses the missing pieces of the conversations we're already having. He is a cofounder of the Asian Adoptees of Indiana, a group dedicated to creating a safe, engaging community for all Asian adoptees who need it. He is currently based in Indianapolis with his wife and cat. Connect with Patrick!Website: http://patrickintheworld.meLinkedIn: http://linkedin/in/patrickintheworldInstagram: http://instagram.com/patrickintheworldK.J. Roelke (@kjroelke)KJ (he/him) was adopted from Daegu and raised in Dallas, Texas with his two biological, older siblings and his younger sister, adopted from Russia. After spending a decade in the Midwest for college and career, he and his wife are back in Dallas and living large! He has been on his journey of discovery since 2015 and spends his days as a web developer for the Choctaw Nation of Oklahoma.Connect with K.J.!Website: https://kjroelke.online/LinkedIn: https://linkedin/in/kjroelkeInstagram: https://instagram.com/kjroelke// Listen to/Watch The Janchi Show on all major platforms:Apple: http://janchishow.com/appleSpotify: http://janchishow.com/spotifyYoutube: http://janchishow.com/youtubeGratitude & CreditsMichelle Nam for our logo and brandingJerry Won for bring us togetherThis show is created and produced by Patrick, Nathan and KJ and is the sole property of the Janchi Show, LLC.

Let me start by saying I'm using a metaphor here. I haven't hunted since I was a teenager in the Midwest. I love animals, so please don't take my talk of “hunting” literally and miss the advice I'm trying to share in this article. Human beings have been acquiring food to survive for millions of years. We've used a combination of active/direct and passive/indirect methods to find the animals and plants we eat. * Actively hunting, scavenging, and gathering food in the moment. * Building traps, nets, etc,. to capture animals and recover them later. * Planting crops to harvest much later. Many modern-day humans have transitioned to a very different model of acquiring the meals we need. We work in jobs, get paid, and use that money to purchase food in grocery stores. However, oddly enough, we can still leverage the three methods of hunting, trapping, and planting to gain what we now need to survive: a job. We even use the phrase “job hunt” to describe this process, which is rather telling. Many job seekers focus almost exclusively on the hunt. They do everything necessary to hunt for a job actively (e.g., applying online and sending resumes). But they ignore the other two powerful methods of capturing and harvesting opportunities for the future. This is a mistake you don't want to make. Only hunting for a job when you desperately need one is a risky move. People often make hasty decisions when the clock is ticking. You'll be more empowered, less stressed, and more successful if you also trap potential opportunities and plant seeds that will yield an evergreen harvest of interest in you. You should always be looking for new and better opportunities, and methods 2 and 3 are much better suited for that. When I work with clients who need a new job immediately, I recommend combining all three strategies with an emphasis on 1 and 2. But when a client is still employed and seeking a better job, I prefer emphasizing 2 and 3 with a careful use of 1. 1. HuntingHumans fed themselves and their tribes by hunting and gathering, dating as far back as 2 million years ago. They actively searched for whatever they could find to survive. They couldn't passively wait around and hope food would land in their laps. Instead, they sought an immediate fulfillment of their needs. Hunting is a valuable strategy when you need a quick solution to an urgent problem. You need a job ASAP! However, I recommend a targeted approach vs. the clumsy “spray and pray” I see many job seekers using now. I've read more than one account of people applying for hundreds of jobs online and blasting their resumes to everyone they can find. Big surprise, it doesn't work. One person lamented, “I applied to a hundred jobs and didn't get a single request for an interview.”Instead, I ask my clients to be laser-focused on the job they want and the employers they find most interesting. * What is your ideal next role? * Who is your ideal next employer?* Who is your ideal next boss?You should have only 1-3 roles in mind for your next job. For example, you may ideally want a job as a Lead Designer, but you'd also accept a Senior Designer role if you were really excited about the opportunity. Be clear about the job you want and focus your sales pitch on selling yourself as the ideal candidate. If you have a dozen roles in mind, your resume and LinkedIn will be all over the place and won't appeal to hiring managers and recruiters. Focus! Similarly, you should have perhaps 3-10 employers in mind for your next job. Be picky with the hunting strategy. Create a list of ideal employers, start tracking down the potential hiring managers, and find a way to get a warm introduction. The market isn't great for job seekers right now. Employers have their pick of thousands and thousands of candidates. Stack the deck in your favor and get introduced to hiring managers and recruiters. Find your inside champion, who will help shepherd you through the interview process. This makes all the difference in the world! It certainly helped me land all the jobs I had during my tech career. Now, it's time to move on to one of my favorite ways of lighting up your network to help find you a job. 2. TrappingAbout 9,000 years ago, humans began building traps to capture prey. Instead of actively hunting, we used these more sophisticated traps and nets to serve as an extension of our capabilities. Think of it as an early creation of systems to automate food procurement. Now, instead of being limited to what you and your tribe could actively hunt during waking hours, you could deploy traps to work for you 24x7 in a more scalable way. Similarly, you can deploy “nets” to attract and secure interest in you and your capabilities 24x7 in a more scalable way than panicking and scrambling to find a job at the last minute. When you activate key helpers in your network, each expands your reach and ability to trap new opportunities. They'll help you capture things you never could on your own. But the activity is still targeted. Your friends know who you are and what you are seeking. Contrast this with people who indiscriminately toss their net to the four corners of the earth. Their net gets stretched thin and tangled up in everything that comes by while a prime catch slips past. I ask my clients to reengage and reactivate their networks, which I'll recommend to you, too. It's essential to do this from a place of honestly wanting to reconnect, since you shouldn't only reach out to people when you need them for something. You can't just contact people when you want to use them for an introduction or a job. No one likes that. Resist the urge to add, “Oh, by the way. Can you also do me a favor and introduce me to Susan, the hiring manager for an open position at the company?”Of course, during the conversation, your friend may naturally ask you, “So, what are you up to these days?”If they do, you can mention what you're doing now and what your plans are (e.g., “I'm working at company ABC. But, I'm actually considering my next move. It's time for a change.”)When you light up your network, you now have dozens of people recognizing opportunities for you, bringing your name up when someone is hiring, and keeping their eyes open for a job that seems like a good fit for what you are seeking. These “nets” are capturing and sending you jobs to pursue. Sometimes, they'll be able to make the warm introduction you need. This brings us to one of the most powerful methods, which is a gift that keeps on giving for years and years and years. 3. PlantingBesides hunting and trapping, humans also discovered the power and scale of agriculture. But farming requires more patience. Planning, investment, and work upfront to plant crops will only yield a bountiful harvest later (i.e., not tomorrow or even next week). When you plant an apple tree, for example, it can take around five years to mature. But it will then provide you with fruit for several years, thanks to that initial investment. Content creation and marketing is the last strategy I recommend for my career coaching clients and even job seekers. Planting the seeds from your excellent mind won't land you a job immediately, but it will provide examples of your knowledge, expertise, way of thinking, and point of view on things relevant to your profession. More importantly, as you create and publish hundreds of articles over the years, your harvest will yield evergreen inbound interest in you. * I've written 493 newsletters for Invincible Career. * I've published 92 episodes of my podcast. * I've written 228 articles on Medium. * I've tweeted over 18,000 times. * I've created over 170 videos.It's pretty amazing when a potential new client reaches out to me after reading an article I wrote seven years ago. I spent a couple of hours planting that “little seed” seven years ago, and it continues to bear fruit and attract people even today. When you consistently put yourself out there day after day, month after month, and year after year, your harvest may come long after you've forgotten that you planted the seeds. But this is how you create an invincible career. You want everyone to know who you are and how great you are. You want to become an opportunity magnet through trapping and—especially—planting, so you don't feel forced to scramble and hunt for your next job. Hi, I'm Larry Cornett, a Personal Coach who can work with you to optimize your career, life, or business. My mission is to help you take complete control of your work and life so you can become a more “Invincible You.” I live in Northern California near Lake Tahoe with my wife and our Great Dane. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit newsletter.invinciblecareer.com/subscribe

This week Mike Noland, President and GM of the South Shore Line https://mysouthshoreline.com/, joins Paul to talk about commuter rail in the Midwest. The South Shore Line connects Northwestern Indiana with Chicago. This busy corridor is used by commuters and casual riders heading into the Windy City for work or fun. Mike talks about the South Shore Line, how he's adapting to changing ridership, and his double-tracking project to expand capacity and flexibility on the line. Commuter rail is in a tremendous state of flux right now. Commuters are coming back slowly, but with very different travel habits than they did three years ago. Choice riders, or people who use the train to quickly get between cities, often travel at "off peak" times like midday, evenings, and weekends. Mike talks about what changes and amenities are needed to get more people out of their cars and onto trains. Mike concludes with a discussion about high-speed rail and what's needed to make these a reality in the U.S. We wrap this episode with Mike's Minute with regular contributor Mike Bismeyer reminding us of the value and learning we get from each other as we head into the fall conference season. Next week on the show, we're joined by Diana Kotler, CEO of the Anaheim Transit Network, and how her business-supported transit system gets tourists and the people of Anaheim around the Happiest Place on Earth (West Coast edition). If you have a question or comment, email us at info@transitunplugged.com. Transit Unplugged is brought to you by Modaxo. At Modaxo, we're passionate about moving the world's people, and at Transit Unplugged, we're passionate about telling those stories. https://www.modaxo.com/ Enriched by Vizzy (00:00) Mike Noland, President of the South Shore Line (27:57) Mike's Minute with Mike Bismeyer (29:23) Coming up next week on Transit Unplugged Diana Kotler, Anaheim Transit Network Chapters, images & show notes powered by vizzy.fm.

We recap Kevin’s thrilling trip to Michigan to see UW football dominate Michigan State and the Seahawks offer proof of concept in an upset win at Detroit, as well as try Midwest-style pizzas. Plus the AL West race heats up … Continue reading →

We do a deep dive into John Mellencamp, explore the three-headed monster of 1970s symbol bands (Kansas, Styx, and REO Speedwagon), and end with a look at the career of Omaha native Conor Oberst. Learn more about your ad choices. Visit megaphone.fm/adchoices

Cole Paton discovered his panache' for longer endurance events when the pandemic made it impossible for him to chase UCI World Cup points on the European mountain bike circuit. His exceptional technical skills in the dirt and powerful engine have made him a formidable challenger in the season-long race series, the Lifetime Grand Prix. We connected on the fifth leg of the 2023 Grand Prix, the Chequamegon 40 where he finished third in an unprecedented 14-man sprint for the finish. He currently sits in second in the Grand Prix with two events to go. He was kind to connect via zoom while in Alabama preparing for the U.S. Marathon Mountain Bike Championships in late September. Keep up with Cole as he continues his journey on the Giant Bicycles Gravel Team. .and follow him on instagram by looking for his name: Cole Paton. Please consider supporting Bike Talk with Dave by rating, reviewing and sharing on your favorite podcast platform. We'd invite you to support the show financially at www.buymeacoffee.com or on Venmo @David-Mable. You'll receive a Bike Talk with Dave sticker! Bikeiowa.com is the online host of Bike Talk with Dave. Get your event listed on the extensive ride and race calendar for free! Create an account and add and edit your event to reach thousands of cyclists. Follow Bike Talk with Dave on Instagram and Facebook so you don't miss any of the fun, and you can now find every episode on your computer at www.biketalk.bike. And now available on YouTube on the Bike Talk with Dave YouTube channel! If you're in the Midwest and looking for a fun weekend of cyclocross, complete with food, music, beer and mud, join the BIKEIOWA crew at Capital City Cross on September 23 & 24. Be sure and get your team of four together for Relay CX on Saturday. This is meant to be a fun, unsanctioned event to fuel the itch of the most competitive and welcome those new to 'cross.

Step into the world of Six Foot Blonde, the groovy indie pop sensation taking the Midwest by storm. In this exclusive sit-down, dive deep into their musical influences, the magic behind their spontaneous songwriting, and the bond that's driving their soul-stirring sound. From "Perpendicular Universe" to their dynamic live performances, witness the harmony, passion, and indie soul of a band that's bound to captivate hearts globally.BlondeGrooves#PerpendicularUniverseVibes#SixFootSensation#BlondeBeatsRevealed#IndieSoulJourneyhttps://www.sixftblonde.com/

what happens to your trash and recycling — from curbside to landfill and everything in between

In this episode, we sit down with Josh Cantwell, a seasoned commercial real estate investor, and discuss his journey in the industry, his strategies for success, and the secrets to raising capital effectively. Whether you're a novice or an experienced commercial real estate investor, you're sure to find valuable insights in this conversation. Key Takeaways: The Power of Raising Capital: Josh emphasizes the importance of having a dedicated team member focused on raising capital. Building relationships and a strong online presence through various media channels, like podcasts and social media, can help attract investors. His advice: "Funding equals freedom." Lessons from Co-Syndication: Josh shares a valuable lesson learned from co-syndicating deals. He stresses the importance of thoroughly vetting boots-on-the-ground operators when partnering on syndications. Failing to do so can lead to operational challenges and missed opportunities for profit. Investing in Stable Markets: Josh's strategy revolves around investing in stable markets like the Midwest, focusing on C-class buildings in B-class areas. He believes in holding properties long-term for cash flow stability, often targeting a 42 to 48-month refinance period. His experience and insight into market stability are evident in his approach to real estate investing. Josh Cantwell | Real Estate Background CEO of Freeland Ventures Portfolio:  3,000+ units Based in: Cleveland OH Say hi to him at:  www.freelandventures.com Facebook YouTube Best Ever Book: The Infinite Game by Simon Sinek Greatest Lesson: Funding equals freedom. Someone on your team needs to be 100% dedicated to raising capital.   Click here to learn more about our sponsors: Delete Me BAM Capital

For many years @dis_ent | @iamafrofusion has consistently delivered an amazing “Independence Day” partying experience in the entire Midwest. DO NOT MISS INDEPENDENCE DAY EVENTS W/@iamafrofusion | @dis_ent ! THURSDAY, SEPTEMBER 28 Afro Fusion Ladies Night Nigerian Independence Edition

WARNING: the movie Prisoners deals with issues of child abduction, abuse, and other dark and upsetting topics. This episode does not include any graphic descriptions of these things but tread carefully because important plot points revolve around these themes.Aren't we ALL prisoners in our own way?????The fun times you had with us on The Sandlot, Hot Rod and Barbie is OVER: time to get super serious with Denis Villeneuve's Prisoners. This 2013 film stars Hugh Jackman as a father in search of his abducted daughter and Jake Gyllenhaal as the detective assigned to the case. Olivia dissects the various characters' prisons using her therapist superpowers and Isaac nerds out about the intricacies of the layered plot. Sleepovers? Bad. Terrence Howard? Really good. Viola Davis? Even better. Paul Dano? The performance that got him the part of the Riddler (probably). Although this is a very very intense film, we highly recommend it. Tune in to hear more!Warning: Isaac and Olivia express their excitement for the upcoming Aquaman and the Lost Kingdom, the Bikeriders, Killers of the Flower Moon, and share their enthusiasm for the raunchy teen comedy Bottoms before diving into Prisoners.

0:00 - Introduction 1:35 - Andrew's background - started flipping houses, then got into mobile homes 3:42 - Transition from wholesaling to mobile home investing - needed some cash flow first 4:12 - Pitfalls and learning experiences in mobile home investing 5:07 - Importance of having expenses covered before going all in 5:44 - Financing and loan-to-value for mobile home parks 7:05 - Typical LTV is around 75% 7:28 - Insurance considerations for mobile home parks 7:49 - Don't insure the homes, focus on liability and income insurance 8:44 - Targeting Midwest markets that cash flow well 9:09 - Finding deals through cold calling mobile home park owners 9:58 - Over 250,000 cold calls last year to find deals 11:04 - Increasing NOI through adding vacant home/lot inventory 12:23 - Manufactured housing quality and amenities have improved 13:05 - Getting educated through Mobile Home University bootcamp 14:28 - Mindset shift needed on manufactured housing stigma 15:13 - Big private equity groups investing in the space 17:02 - Recommended books - Rich Dad Poor Dad and Founders podcast 17:14 - Contact Andrew at keelteam.com 18:04 - Closing thoughts   In this episode, Vinney Chopra

On Tuesday's episode of AOA, brought to you by Cenex Roadmaster XL, we start the show with a conversation about the August Ag Equipment Sales numbers with Curt Blades from the Association of Equipment Manufacturers. Then in Segment Two, we turn our attention to the on-going carbon pipeline battle in the Midwest and get an update from Smart Carbon Network Executive Director, Joe Heinrich. Then in Segment Three, we discuss Sustainable Aviation Fuel, biodiesel and more with Clean Fuels Alliance America CEO Donnell Rehagen. Finally in Segment Four, we continue our coverage of National Farm Safety and Health Week and have a conversation with Jana Davidson from the Progressive Agriculture Foundation.

We take a bite out of “the gender debate” with sports journalist Katie Barnes (they/them). We reminisce about our days as student leaders at gay camp, how Katie's educational background in history, higher education, and even Russian studies has positioned them to be a leading reporter at/on the intersection of sports and gender, and the release of their new book “Fair Play: How Sports Shape the Gender Debate” Join us in Lexington, Kentucky November 3-5 for the Midwest Bisexual Lesbian Gay Transgender Asexual College Conference featuring Katie Barnes as Keynote. Register and make arrangements at mblgtacc.org  ★ Support this podcast ★

Steve Maher is a musician, and singer-songwriter out of Denver, Colorado. He combines vocals, lyrics, and piano into one cohesive pop-soul sound-style that doesn't take itself too seriously while also touching upon life experience.             Steve's first solo album, Pathways, was recorded in Chicago in 2020 during the pandemic and released in July of 2021.             His current project Night Routine is a funk-pop-soul group that has performed throughout Colorado and the Midwest. Steve sings lead vocals and plays keyboards along with co-founder Tomas Houser on guitar, Marc Hudson on bass, and drummer Josh Neitzel.            Please stick around at the end of the show for a real treat – one of Night Routine's songs, Springtime Shine, for you to enjoy.

With special guest Tyler Doupe', Anna and Derek discuss George C. Scott getting pissed off with a child ghost, just how much house one person needs, and much more during their chat on the gothic horror classic The Changeling (1980).Connect with '80s Movie Montage on Facebook, Twitter/X or Instagram! It's the same handle for all three... @80smontagepod.Facebook: https://www.facebook.com/80sMontagePodTwitter/X: https://twitter.com/80sMontagePodInstagram: https://www.instagram.com/80smontagepod/Anna Keizer and Derek Dehanke are the co-hosts of ‘80s Movie Montage. The idea for the podcast came when they realized just how much they talk – a lot – when watching films from their favorite cinematic era. Their wedding theme was “a light nod to the ‘80s,” so there's that, too. Both hail from the Midwest but have called Los Angeles home for several years now. Anna is a writer who received her B.A. in Film/Video from Columbia College Chicago and M.A. in Film Studies from Chapman University. Her dark comedy short She Had It Coming was an Official Selection of 25 film festivals with several awards won for it among them. Derek is an attorney who also likes movies. It is a point of pride that most of their podcast episodes are longer than the movies they cover.Tyler Doupe' works as a staff writer for Dread Central and the managing editor at Wicked Horror. He is the co-editor of the book Queer Horror: A Film Guide. Past bylines include: Fangoria Mag, Rue Morgue Mag, Scream: The Horror Mag, SyFy Wire, ComingSoon.Net, and more. He lives in Portland with his husband and their four pets. @FunWithHorror on Twitter, Threads, and Instagram.

Doug Duren is a passionate hunter, farmer, land manager and conservationist. He is the owner of Lone Oak Interests, LLC, specializing in site and land management consulting and contracting services throughout Wisconsin and the Driftless Area.In addition to his consulting and contracting work, Doug manages the Duren Family Farm near Cazenovia, Wisconsin where he has been working and hunting for over 45 years. The farm has been in the Duren family for 115 years. Current management includes acres enrolled in CRP and other conservation programs, raising grass fed beef, timber management for forest health, wildlife habitat and financial goals, as well as a variety of hunting, aesthetic and recreation objectives.In addition to his individual clients, Doug has worked on a variety of projects with several public and private conservation organizations including American Forest Foundation, Aldo Leopold Foundation, Pheasants Forever, Wisconsin DNR and Wisconsin DNR Forestry, My Wisconsin Woods/Driftless Forestry Network, NRCS and FSA.Duren is a frequent contributor to the Meateater television show, the Meateater podcast and The Meateater Guide to Big Game Hunting. Duren has also been a guest on the Joe Rogan Experience discussing hunting, land ownership issues and Chronic Wasting Disease (CWD). He has been featured in various regional and national publications for his work in conservation. For more info:Doug Duren WebsiteConnect with Driftwood Outdoors:FacebookInstagramSpecial thanks to:Living The Dream PropertiesHunting Works For MissouriSmithfly RaftsScenic Rivers TaxidermyEmail:info@driftwoodoutdoors.com

This week we're back with more Blago, baby!! Rod Blagojevich is just the gift that keeps on giving– from Elvis impersonations to leaked angry phone calls to many, many, many talk show appearances. Rod's given us a lot to work with, and for that we're grateful!! In this episode, we not only talk Rod, but we try to untangle the web of corruption that was Chicago politics in the early aughts. Let's just say it involves the FBI, bi-partisanship, and… Papa John's? There's nothing more Chicago than that!! This week we're back with more Blago, baby!! Rod Blagojevich is just the gift that keeps on giving– from Elvis impersonations to leaked angry phone calls to many, many, many talk show appearances. Rod's given us a lot to work with, and for that we're grateful!! In this episode, we not only talk Rod, but we try to untangle the web of corruption that was Chicago politics in the early aughts. Let's just say it involves the FBI, bi-partisanship, and… Papa John's? There's nothing more Chicago than that!!  Follow The Show: Twitter: https://twitter.com/fraudstersLPNInstagram: https://www.instagram.com/fraudsterslpn/Discord: https://discord.gg/WRZ8zgusPTWebsite: https://fraudsters.fm/Follow the Hosts: https://twitter.com/seenanowhttps://www.instagram.com/justin_williams_comedyhttps://twitter.com/arielleaty YouTube: https://www.youtube.com/channel/UCQwl8sDTVEAxhwJdYgm-yrgIntro Music Credit and Sound Fx:https://twitter.com/gograntgordonSeason Cover Art by:https://comedyartwork.com/Media Links:https://www.youtube.com/watch?v=-ev3XTA_ow0&t=105shttps://www.wbez.org/shows/public-official-a/09be1fbf-e991-4627-88ed-0004c94b48f6https://www.youtube.com/watch?v=-Dp6EaJCOWs&t=416shttps://www.youtube.com/watch?v=lzmZ6ezXXJU&t=109shttps://www.youtube.com/watch?v=d_01wjK8BDY&t=42shttps://www.cc.com/video/ggjbye/the-daily-show-with-jon-stewart-rod-blagojevichhttps://www.youtube.com/watch?v=fjDfjGjb4sI&t=82s

I am always fascinated to meet and talk with people on Unstoppable Mindset who thought they knew what they wanted to do in life only to discover that their path went in an alternative direction. Meet Eric Dates who is just such a person. Eric grew up in the Los Angeles area. He was active in sports and also he was a musician. He went to Ohio State where he played volleyball on the 2011 championship team. After college Eric thought he wanted to go into the hospitality industry as he loved, as he put it “the diversity of people and the diversity of possibilities”. As he tells us, his idea of work lasted four months. After that, he realized his knowledge of marketing was better suited elsewhere. Our conversation is far-ranging, but we do talk a lot about marketing and sales. Marketing discussions go far outside dealing with products, however. I think you will be intrigued by what Eric has to say especially about life and how we should progress going forward. About the Guest: Eric Dates, a proud resident in Spring Hill, TN, is a multifaceted professional with a storied history of achievement and leadership. A former Division I volleyball player at Ohio State, Eric was part of the national championship team in 2011, marking a significant milestone early in his life. His competitive spirit and teamwork were not confined to the volleyball court, though, and they have since become defining attributes in his professional career. Eric's journey took a melodious turn as he embarked on a successful yet short career as a touring musician. This unique experience endowed him with a new perspective, a creative mindset, and an appreciation for the harmonious blend of rhythm and discipline. As his career evolved, Eric discovered his true calling: fostering growth in early to mid-stage startups. With his inherent problem-solving skills and penchant for teamwork, he has contributed to the flourishing of several startups, paving their paths toward achieving their full growth potential. Currently, Eric serves as the Sr. Director of Revenue Marketing at Justt, a forward-thinking fintech company dedicated to helping merchants recapture revenue lost to chargebacks. His love for problem-solving thrives in this challenging environment, and he relishes living in the trenches with his team, building, improving, and innovating. Startups resonate with Eric's professional ethos as they offer him a space to think holistically and make a tangible impact. It's here that his passion, intellect, and entrepreneurial spirit come to the fore. Outside of his professional endeavors, Eric cherishes his role as a husband and father. Alongside his wife, Laura, he is raising two wonderful children, Bella (8) and Harlan (1), and navigates the beautiful labyrinth that is life. Ways to connect with Eric: Linkedin URL: https://www.linkedin.com/in/ecdates/ Company Website: Justt.ai About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app. Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i  capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.     Michael Hingson ** 01:20 Well, hi, and here we are once again with unstoppable mindset. Glad you're here. And hope you enjoy our presentation and discussions today. We get to speak with Eric Dates. And Eric has an interesting life. I think so he was a division one volleyball player on a championship team for Ohio State. I bet Michigan didn't like that. But you know, that's another that's another story. But he's been involved in leadership marketing and, and has a lot to talk about least, it seems so from the things I've read. So Eric, welcome to unstoppable mindset. And we're really glad you're here.   Eric Dates ** 01:57 Michael, thank you so much for having me. I appreciate it. It's always an honor to chat with you. So looking forward to it.   Michael Hingson ** 02:03 Well, why don't we start, as I love to do and tell us a little bit about kind of the early Eric growing up and all that stuff?   Eric Dates ** 02:11 Sure. So I stem from the left coast, the west coast in the Heart of LA, born and raised there. Yeah, had awesome, awesome family life. I was super blessed. I got to get to participate in a lot of sports and a lot of other fun things. I did music as well, out there growing up and we're in LA. Right on the west side of LA, I guess the biggest subsidy of that massive place would be Culver City area for me. And yeah, it was great. You know, it's, it was, I'm really glad I grew up where I grew up in in the way that I grew up. Because it gave me a great perspective of diversity, I think in a lot of ways that people want to experience it. Every school I went to was, you know, had people from all walks of life across the board. And to me, that was just the status quo. So I think it shaped me to become the person I am today, which is, you know, someone who expects that out of society in general. And it's been really, I've been really fortunate to continue to experience tons of diversity, whether it's people diversity or activity, diversity, you know, all the different types of diversity, you can experience. I've been lucky enough to be a part of a bunch of it. So it's been it's been a great road so far from that, you know, kind of looking back now. The way I grew up, I, I couldn't imagine it happening any other way at this point. And I wouldn't wish it to be so because I just feel like it. It taught me a lot of lessons both hard and easy to learn in a great way that I don't think I would have got anywhere else.   Michael Hingson ** 03:51 So you went through high school out in LA   Eric Dates ** 03:54 that I did. I went to Alexander Hamilton High School, the birthplace of many random things, and actually stay in high school is a couple celebrity folks that you probably recognize. And it was great, super fun experience. It was a half of a Music Academy, half humanities Academy and it was a phenomenal school. Public school too in the Heart of LA. Wow.   Michael Hingson ** 04:17 What did you play for an instrument?   Eric Dates ** 04:20 So my main instrument was guitar growing up, like guitar, and I did everything from in high school. I was a mariachi, which was really fun. Great experience getting to around Los Angeles and playing for just the most incredible people I've ever met and eating the most incredible food I've ever eaten. And I toured as a musician here in Nashville as well with guitar for a little bit so it carried me on throughout my earlier life quite a bit.   Michael Hingson ** 04:48 Well, so you went through high school and then I gather you went to Ohio State that I did. What what prompted that because that's a long way from Southern California.   Eric Dates ** 05:01 It definitely was. And I'd be lying to you if I said it was easy to do. But at the beginning, it was very much, you know, especially when you're fortunate enough to be playing a sport like that, that does have a collegiate level. I got to fly and experience Ohio State, I experienced a couple other schools in Southern California. And I was just blown away by the the pride and culture that the entire campus had, I just wanted to go be a part of it. But that thought it was a two in my eyes, it was a huge risk, you know, coming from the epicenter of volleyball going into the Midwest, which turns out has a phenomenal volleyball program across the board. And yeah, it was the the good Ohio State Buckeyes that got me out of California.   Michael Hingson ** 05:46 Well, so, you're right, it's sort of the epicenter out here in a lot of ways, but volleyball has turned out to be a lot more universal than maybe we thought and the Olympics is certainly brought volleyball to the visibility of of a lot of people, which is, which is kind of cool. What did you major in in college,   Eric Dates ** 06:09 I was that person who didn't figure out what I wanted to major. And until the last second, I had to pick and I picked English, which turned into marketing, which then turned into Hospitality Management, then Consumer Science is where I landed.   Michael Hingson ** 06:26 Wow. That's a kind of, again, a diverse range of topics to to deal with. And you did all that and move from one of those fields to the other in college.   Eric Dates ** 06:40 Yeah, so I eventually found my place at the time in Hospitality Management, because of the phenomenal focus on customer experience. And I'm so thankful for that time I spent there as it applies in so much these days. So I was really fortunate to learn early on after graduating, that I did not want to work in hotels.   Michael Hingson ** 07:04 But you value the customer service and customer experience concept.   Eric Dates ** 07:09 More than anything, it's why is that? You know, it's, it's been interesting, because the hospitality world, they've understood from the beginning, that you're buying the experience, right, you're you're purchasing the brand, in a sense, when you go stay at a property, it's the only tangible thing is, you know, the bed and the room itself, but that exists anywhere. So why pick them. And it all came down to the core differentiator, which was the way that they treated their guests. And now, you know, flash forward 12 ish years in the future. That's how all these marketing departments and all these companies across the board are approaching their customers, you know, so it's been, it's been really beneficial for me to have that foundation, because I could start to apply what I already learned versus having to learn something like a new concept is customer first.   Michael Hingson ** 07:56 So how do you think customer experience and so on has changed or developed during the pandemic? Because certainly, it has a lot. And in hotels, for example, a lot of things have changed rooms aren't necessarily cleaned every day. Sometimes there are other kinds of services that are more limited. Airlines are certainly not providing as much of what they used to provide. If I'm reading it, right, what do you think about all of that? And how does all that really blend into the whole customer experience concept?   Eric Dates ** 08:28 It's definitely shifted significantly, you know, I think the start of it all was the iPhone coming out and these touchscreens and now half the experience was heavily digital in their hand. And with the pandemic kind of changing that in almost mandating that that's the new experience for the most part, as well as customer behavior kind of changing. I think it's, it's opened up a lot of challenges, you know, in the hospitality space. And in general, in a service based industry, you have this whole concept of a service recovery plan, right? If something goes wrong with this, what are we supposed to do? And now it all transitioned from the humanistic element over into the digital elements. So all these properties, especially hotels, airlines, all these folks who weren't necessarily digital first thinkers, they had to rapidly pivot and start accommodating, but also had to learn the hard way kind of building the ship as you're sailing.   Michael Hingson ** 09:22 Yeah. Well, and I read a lot of complaints taking airlines, like, we want to push as many people into an airplane as possible. So now, the space in seats is six inches less than it used to be. And now we're starting to hear people say, Has it gotten too confined and too crowded? And is all of the air rage that we hear about and read about, in part because of that and customer service? Is is it really as good as it used to be?   Eric Dates ** 09:56 I think that is a very phenomenal question because I don't think there's a clear answer, I think some have done better. And some have dropped the ball. And it's gonna be an interesting time looking into the future, especially as this technology in general starts to compound at the rate that it is, who's going to remain versus what new players are, we're going to see and who's gonna fall off. So it's gonna be an interesting, you know, couple of years, in my opinion, as we look forward to see kind of who's still going to be here versus Are there going to be new names? I've never heard of the forefront.   Michael Hingson ** 10:29 Yeah. And that's going to be the exciting thing. Are we going to see new players who come in with new ideas that for whatever reason people haven't thought of? And probably the naysayers will say, Well, that'll never work. Well, that certainly was true with Southwest Airlines, because they rejected the whole idea of a hub model for slang. And they're still around.   Eric Dates ** 10:53 That's very true. That's very true, they did get the good to get a little bit of a saving grace once the economy tanked a bit. But yeah, I agree, they did a good job at at pivoting accordingly. And kind of changing their brand, in a way that their expectation was very clear of when you engage with Southwest, here's what your experience is going to be like, that's what's really saved them.   Michael Hingson ** 11:15 And while it's true that you just get on an airplane, there are no assigned seats and, and other things like that. Mostly, I don't hear nearly the level of complaints about them as I do some of the other airlines because you've also got the flight attendants, who have been encouraged to make the flying experience more pleasurable, and they're not necessarily as stiff as and as formal, at least in my experience.   Eric Dates ** 11:46 I want to agree, you know, you hit on a really interesting point, that it used to be looking for elements of digital to drop into the human experience. And now it's the opposite way of, if we drop human experience into a digital, you know, journey, it's almost like it becomes significantly more noticed. And I love how Southwest has empowered those folks to have fun and enjoy what they're doing. And, you know, the consumers always tell you, you know, whether they're sharing stuff out social or hits the news, whatever, but they will let you know what they liked what they do. And it seems like people have really caught on to that one element of the brand.   Michael Hingson ** 12:23 Yeah. And it's, it's going to be interesting just to see how it all goes. As we go forward, and whether consumers will demand enough that they don't like, perhaps the way some things are going well, we'll see. And the other part of it is that I know different countries have different levels of airlines, passenger rights or other kinds of industry rights. Legislation. So it'll be interesting to see how it all shakes out. It's going to be an exciting time. No, no question about it.   Eric Dates ** 12:59 Absolutely, we'll probably see things happen the fastest they've ever happened before. And it will continue to be as such.   Michael Hingson ** 13:06 Yeah. And, and that's okay. That's what makes it kind of fun. Well, so what did you do right out of college? So you were in hospitality? Where did you go to work? What did you do that got you off of hotels.   Eric Dates ** 13:21 I was working at two properties in Columbus, actually, Columbus, Ohio. And it was fun. And I just wanted in full transparency. I probably was way too ambitious for my own good. I was looking to learn to things in hotel so I could start my own and, you know, build the version of Atlantis that we all want to build in our minds and make it real. And I quickly realized that I probably needed to get some more experience and knowledge around what I thought I knew. So let me do the business world.   Michael Hingson ** 13:54 What did you So how long did you do hotel stuff?   Eric Dates ** 13:58 I had been working in hotels since probably five years like during college and then after college than after you know that that last portion kind of before I moved to Nashville? Yeah, I was in those two. So prob about five years of hotel work here and there. I would wouldn't say his full time just because of the sports commitments and other things. But as much as I could. I was I was working on property and getting that experience in.   Michael Hingson ** 14:26 Was it full time after college?   Eric Dates ** 14:29 It was it was full time.   Michael Hingson ** 14:31 And how long do that? How long was that after college?   Eric Dates ** 14:36 Prep? Probably right when I went full time full time and I hated it to be fully transparent. It was a shock for me to go full time on on your feet all day. So is the short three or four months of full time before this really hit me of like this is not it's not Eric,   Michael Hingson ** 14:52 you made a decision pretty quickly. So what did you what what did you then go and do   Eric Dates ** 15:00 So that's kind of when I picked everything up and said, You know, I'm going to try to move to Nashville. I had some friends here had some had some connections here and wanted had always been doing music, like I said, so I was gonna go see if I could dive into some songwriting get into the performing aspect, while chasing a business career. And that's when I found my first, I guess, real marketing job was with a co working space here in Nashville. And that was what jump started my career in marketing.   Michael Hingson ** 15:30 But you also worked as a musician for a while, right?   Eric Dates ** 15:33 I did. I was touring around and touring with the back that I was with is basically fancy weekends is the way that pitch it, you know, some Thursday nights, but mostly Fridays, and Saturdays, you're out. I'd love to say a bus. But most of the times it was in a van. And we were, you know, putting in the grind and going out. So every other Thursday, just about, you know, we were an opening act. So we'd go chase down where the big open or the big maniac was, to our 45 minute set. And right back to Nashville.   Michael Hingson ** 16:07 Anybody who was a maniac that we would know.   Eric Dates ** 16:11 I absolutely, I think, you know, one of the one of the main acts that we were opening up for most when I was with this artists and artists was playing for a name was Tara Thompson, or still is, her name is Tara Thompson. And the main act that we opened for most was Drake. White was his name. So he had some really popular songs out. I think like 2017. And some other various artists, I had the fortunate opportunity of opening for, you know, everything from The Chainsmokers to mark chestnut, you know, the the country gentleman who had some pretty big songs, and quite a few other artists that were it was just really cool to go experience that. But there was also a reason why I did not stay.   Michael Hingson ** 16:51 That wasn't what you really wanted to do full time.   Eric Dates ** 16:56 Correct. It was a it was that classic inflection point, the fork in the road of if I keep going this way. I have to go 100%. Yeah.   Michael Hingson ** 17:06 And you weren't really ready to do that. Concerning music. And it doesn't sound like you wanted to do that. But you still had a lot of fun with music. So it helped. Absolutely. But you But you went into marketing, and you started working for a company, what did you do?   Eric Dates ** 17:24 So it was right at the boom of we work kind of getting on the map. So I was a part of a younger company startup out of Nashville that had two locations, the company name is E spaces, they're still here, they're doing a great job. They've gotten I think, like nine or 10 locations now, some in Florida as well. So with that job, when I first got there, it was very much we need marketing help. We don't have big budget because we're young, but we're leaning me and we're ready to go. So we need someone to help build the front desk, the front desk experience because they loved my hospitality background. So I was able to apply those learnings pretty quickly and help encourage these folks who were renting the front desk, or what we coined as the concierge to heighten the experience. And then with that kind of put together some digital marketing the b2b side to try and attract customers. So it's very much localized marketing. And it was great for me to learn because it was pretty hands off for my boss. He all he knew is what he wanted at the end. And oftentimes, for folks like myself, that's really appealing because I get to go test my theories learn the hard way. And get us there by any means necessary.   Michael Hingson ** 18:42 Well, you, you got into marketing and tell me a little bit more about what you mean, when you say you you were in marketing and what marketing is.   Eric Dates ** 18:52 That's a phenomenal question. I view marketing exclusively as conversation and mindshare, right? How can I rent space in the mind of the right person at the right time. And often that's accomplished these days through digital conversation, but yet to meet to me marketing is all around fostering the right message to the right person at the right time.   Michael Hingson ** 19:20 How does that differ differ from sales? And I know you make a little bit of a distinction between the two. So what's the difference?   Eric Dates ** 19:30 So the main difference to me and this is a topic that you don't really see as much as you think. But with with sales, to me, it's the goal is to get them to purchase. And in my opinion marketing is to encourage the right decision when the decision is to purchase. That's one, whether the decision is to follow along and consume content. That's a secondary, you know, there's a bunch of different goals that I think marketing helps accomplish, but it's more so sales. is really figuring out what do you individual? What do you need here? And how can what I offer meet that for you. So it's kind of a little bit different than I'm anticipating that conversation and trying to stimulate it to when the person in the market shows up to that conversation and hits that conclusion of, hey, I want this. The conversation is easier from the sales side. So it's kind of marketing, in my opinion, if done right, it handles all the objections that you would have in a normal sales process.   Michael Hingson ** 20:33 So I, I know from my experience, I've been in sales most of my adult life. And I, my view of sales is somewhat similar to yours. I think that good salespeople are teachers. And the reality is that the best salespeople also are capable of recognizing when what we're offering won't necessarily do what the customer needs, or it would be more of a disservice to try to push them into something than to say to them, This is what really works. My best employee that I ever hired, was a guy who, when he came for his interview, and we sat down, and I said, Tell me what you're going to be selling for us. He said, Actually, all I can really sell is my word, and my trust, and people need to decide to trust me, and I need you to back me up. Because the products and so on is all stuff. And a number of people have products and really the only thing I can really sell this myself and my word. And that was the answer I always look for and rarely ever got. Because the reality is that good salespeople, first of all, do understand marketing. Oh, yeah, but they but they also understand that their job is to do their best to help a customer make the right decision. And the reality is if the decision is my product won't do what they need, then the other aspect of it is what will work for them. And if I help a customer decide that and it isn't the product that I have, what does that get me? Well, the reality is I've seen on more than one occasion, when it gets me is so much trust that the customer understands what we have, and when an opportunity comes along to purchase a product. And in fact, we have I've seen on more than one occasion where the the customer says, I'm not putting it out for bid, you just tell us what the cost is. And we're gonna buy it from you because we trust you. That's great. And you just don't see much of that.   Eric Dates ** 22:49 That's true. Yeah, go ahead. Okay. I just think you hit on a really great point that a lot of folks almost lose these days. And I'm thinking kind of from a biased perspective of b2b exclusively software, as a service. And right now, the volume game, in my opinion, has become a tunnel or blinders for people because they're so focused on activity, right, everything now becomes a I have to hit this amount of activity today, I have to, you know, send as many emails as candidates, people call as many people, etc, etc. And they lose almost that forward thinking. So I think, when I hear you say that, it's that that's experienced, that's knowledge being shared, versus when you see sales folks out these days, and I'm just speaking the masses, I think there's a core group of very experienced sales folks who know exactly what they're doing. But from what I experienced in my inbox, and especially when my phone rings, it's, it's, it's almost a victim of process because they're like, I have to call you, I have to push this on you. Because I need to sell you this so I can have a job that fit. There's so much pressure put on these folks these days from a process side versus that longer term thinking of trust building and credibility boosting like you're mentioning.   Michael Hingson ** 24:06 Yeah. And the reality is that the people who really understand what selling is all about can take a step back and try to stave off more of that pressure because they know what they're doing and they know what they can do. I remember after September 11, people would call me and say you got to start selling again. We need to make goal this quarter. And this is now late in September of 2001. And it didn't matter to them that our customers were attending five, six and seven funerals a day and we're not buying the people who were calling we're so far removed, that they just could not understand why people weren't right back in and buying and they interpreted is that really we weren't off and selling, which was totally Not true at all. In reality, we ended up making gold that quarter. But still, the bottom line is that people have just such interesting ideas sometimes about how to sell rather than really allowing people to build the level of trust that we need to have.   Eric Dates ** 25:20 That's a great, great definition. It's, you know, it's it's rather than learning selling, it's understanding buying. I think those are really interesting perspective to look at it from.   Michael Hingson ** 25:31 It is, well, so clearly, we're talking philosophy here, we're talking about selling the philosophy of marketing, how do you feel that that marketing and you know, your overall philosophy intertwined with each other, or sales for that matter?   Eric Dates ** 25:47 Right, and it's, I, I am, of the mindset of simplification, it, simplify everything in its in its most simple form, get down to the essence, right, so I can really understand what it is. So as I approach a lot of my marketing, and teams that you know, who've worked with me, even my current team, they know this happens all the time is that, you know, I asked him well, what's like, like, in one sentence, like what just tell me like, if I'm your 10 year old cousin, tell me exactly what you're trying to accomplish? Like, we're at a family dinner. And I'm asking you, hey, what do you do at work, like, tell me what you're trying to accomplish? And then they say it, and it's okay. That's how you need to write to the market, because you just told me the clearest and simplest way for me to understand something. So often, what I end up doing in my moments of thinking are just simplifying and breaking things down as much as I can to get a better understanding of how I can leverage these, you know, tactics and tools that we all have, and probably take for granted on a daily basis.   Michael Hingson ** 26:49 Yeah, we often do really take it for granted way too much. And we don't think about it. And, like with so many things, we tend to react more than thinking about it, and then reacting and becoming better at thinking about it and drawing good sound conclusions before we do something or say something.   Eric Dates ** 27:09 Completely agree the the scheduling an hour for yourself, I think, is something often understated, in terms of importance, because it can do so much for people who have a very busy plate, just getting that hour of unplug everything, put the phone away and just think, you know, shut the computer down and just just think about something, you know, challenge yourself a little bit, it's still a muscle,   Michael Hingson ** 27:35 it is still a muscle Do you tend to do much of that? Do you do sort of introspective thinking at the end of the day, or at some point every day to step back from everything that's going on?   Eric Dates ** 27:48 Absolutely, I try to do it twice a day, you know, kind of a lunchtime work right after I finished lunch. Rather than diving right back in, it's kind of the you know, don't swim for 20 minutes after you eat. I tried to not work for 20 minutes after I just think and use that time. The other time is, of course, at the end of the day where I reflect on everything that went on. And oftentimes I'll chew on a specific aspect of the day for for quite a bit and just see what I can do with it. Zero goals other than just think   Michael Hingson ** 28:17 you beat yourself up when you're thinking that you screwed up in something or something didn't go the way you wanted? Or how do you handle those kinds of adverse situations?   Eric Dates ** 28:28 Absolutely. And yeah, the younger Eric, the fresh out of college, Eric would have. Absolutely and definitely did beat himself up and, and learning from what happens when you do that. So it's been very helpful for me, like I said, I do like to learn the hard way, unfortunately. But it helps me out with where I'm at now. Because I'm very purposeful about not reacting to my own emotions. And those you know, scenarios where you're frustrated because something was missed. I need to focus on getting back to the right mentality. So I can make a sound decision versus reacting from a state of anger or frustration. So it's been that's probably the strongest thing I've learned in my life has been that right there of when to react based on emotion versus not to any scenario, and I'm definitely not perfect, but I'm more cognizant of it.   Michael Hingson ** 29:20 Yeah, the issue is that we are, as I love to say, our own best teachers. I don't like any more to use the term. I'm my own worst critic. I used to do that. When I would listen to speeches that I've given and listen to the recordings of them. I would tell people I'm doing it because I'm my own worst critic. And if I can learn from it, that's great. And I realized that that was the wrong thing to say that in reality, I'm my own best teacher because no matter what is going on, the only person who can really teach me is me. Teachers and others can provide information and they can give me things to think about, but I'm still the one that has to deal with them. So I've learned that I'm actually my own best teacher. And I'm with you, I try not to react in adverse or negative ways, and beat myself up even when something just really doesn't go. Well. The real issue at that point isn't, what a scroungy lousy guy you are, but what do I learn from that? How can I improve it? Or can I improve it, it may very well be that there was absolutely nothing that can be done to improve the situation, because it was something that was totally out of my control   Eric Dates ** 30:34 completely. But that's, it's, it's funny how, in practice, it becomes so simple. But, you know, looking at it from the outside, in, it's very much one of the most difficult things you can do.   Michael Hingson ** 30:49 Again, it gets back down to a philosophy of life, and we're still the only people who can excite ourselves, or adopt philosophy that we think about. And we if we do it, right, we do it because we, in some ways, feel sympathetic or attracted to a particular attitude or philosophy. And that's kind of the way it really ought to be. But it is about developing a life philosophy 100%. So, clearly, you do philosophical thinking, who's your favorite philosopher?   Eric Dates ** 31:31 I've got a few. I'd say probably Peter Drucker is at the forefront of what I love to read. I just love the way his mind works. Phenomenal stuff. And another gentleman who actually is the person who introduced me to Peter Drucker, his name is Flint McLaughlin. He, in my opinion, is just one of the most intelligent and intellectual marketing philosophers ever exist, and should go down in history as such, because he has, he brings such an interesting perspective on every concept of what we do and, you know, associated with the cognitive aspect of how the human beings make decisions. And just I just love the way that guy talks. So I can't listen to him enough. So those are probably my two.   Michael Hingson ** 32:16 Yeah, I I've not met either. Course Now, Peter Drucker, not anyway. But what was it like meeting Peter Drucker? What kind of a person was he?   Eric Dates ** 32:27 Well, I didn't get to meet him. Unfortunately. I wish i You   Michael Hingson ** 32:29 were you were just introduced to him? Yeah. I was wondering, yeah, introduced sorry, to his to his works to his words. One of my favorite people is a guy named Patrick Lencioni. Are you familiar with him? Absolutely. And I like him, because I like the way he approaches teams. And one of the things that I say on a regular basis to people is that having now used eight guide dogs, I've learned so much more about team building and teamwork, from working with a guide dogs, and I've ever learned from Patrick Lencioni, Ken Blanchard, and all of the major experts on management, consulting and so on, because first of all, it is it is real, you you have to go right down into the weeds, if you will, you really have to put everything into practice. And when you're working with a dog, what you see is what you get, and that's the the thing that we lose with humans, because we're always just wondering, well, what's this person's real agenda, and can I trust them. And so we have taught ourselves to not be open to trust nearly as much as we can be. And dogs while they love unconditionally, as I've learned, I think over the years, just in observing them and thought about it, a lot, dogs do not trust unconditionally. But the difference between dogs and people is that dogs unless there is some real traumatic experience they've had to undergo, dogs, at least are open to trust. And that ought to be a great lesson, we all could learn   Eric Dates ** 34:06 100% It's almost like with the amount of just from a macro level, the amount of untruthfulness that exists out there, and the amount of you know, false information tossed our way all the time from any which way we we're so cynical anymore, and I feel like consumers and just people in general have become so cynical and closed off as a as a reaction to that. So I to your point, I think having the humility there you because when you when you were saying that around the dogs, I just hear, you know, humility and humbleness to do so. And yeah, it's to get to that level would be it changed the world.   Michael Hingson ** 34:48 The other thing about dogs is that they all do have just like people, different personalities. I had one guide dog that only worked 18 months and as I described her to people, she had sort of a type A personality and could not leave work at the office. So at home, she followed me around, she wouldn't play with the other dogs, she would actually curl her lip at the other dogs in our house if they wanted to play. And it got to the point where she was so much on all the time, that she became fearful and became actually afraid to guide, she just couldn't take the stress that she really imposed on herself. And there's a great lesson there for so many of us who are people that we ought to learn that we can control stress and fear a lot more than we do.   Eric Dates ** 35:35 Absolutely. It's very interesting that, to see that I imagined in person, especially with with with an animal like that, you know, that's, that's going to be incredible. And with human beings. I think the the ability to clearly decipher between perception, and reality is what is at the root of that, because so many folks create this perception that they start to live it. And it compounds quickly, as you know, you know, talking about things like stress or whatnot, it's, it's almost addicted to itself. So yeah, having that ability to be humble, and inwardly reflect, but also know, I shouldn't react this way. Or I should actually be open to trusting this person, or whatever it may be. The simple decisions. Help starts with acknowledging the reality of the matter.   Michael Hingson ** 36:28 Yeah, being a marketing guy, why do you think we're sort of progressing that way, as opposed to learning more humility and being a little bit more humble about what we do?   Eric Dates ** 36:39 I think it's this subliminal mentality that stems from the screens, and in our hands every day that people are, everyone has a voice, and everyone is almost forced to listen to it. At this point, I feel like just based on habits, so as everyone welcomes all this information it wants into their mind. So unnatural, you know, in general, so it's, it creates a stressful environment on the human mind. And I think that aside, in the market, as a consumer, it's even more crazy, you know, people are giving you 85 different versions of a product to solve your problem. And they're all fantastic. What are you supposed to choose? Who are you supposed to believe? cetera, et cetera. And you know, that that stressful atmosphere that that atmosphere of cynicism and disbelief, of so many people are saying this, therefore, it must be wrong. It is now the status quo. And it's created just a very, very, very interesting shift in human behavior and consumer behavior across the board. And it's a little look a little nervous, to be honest, I think there's, there's that example of just because you can doesn't mean you should with certain aspects, tech and things like that to really engulf the human and almost make the reality irrelevant, and everything becomes digital. So I'm a little nervous about that. But we'd love to know your thoughts on where you think we're headed. Well,   Michael Hingson ** 38:09 I think you're, you're right. And I think that, unfortunately, people who ought to know better and who can help, perhaps deal with some of it won't. One of my favorite examples lately has been observing, news reporting, and I'm going to deal with specifically whether prognostication hearing California. Yeah. Okay, I can tell you, it's probably see where I'm going. We, we hear all the time now, because we've had marine layers and a lot of clouds, the May gray in the June gloom. And one of these days, we'll get sun again. But it's horrible because we don't get the sunshine. And then when we do get the sun for any period of time, then they talk about how hot it is, and the fire potential goes up and so on. There's no pleasing them. And because there's no pleasing them, we aren't pleased and the reality is, the so called may gray and the June Gloom are, in part what has thus far although it's early in the season, of course, but thus far, kept us from having more wildfires. They've kept it cooler, there's been some rice stir, and there's there's no perspective we've lost our ability to, to have any kind of perspective. And now we've got, you know, with our politicians and talking about all the things that are going on in the political arena, everything has become so political, that there's no room to step back or we don't get the opportunity or we won't take I should say the opportunity to step back and go wait a minute. What are these people really saying what of this really makes a lot of sense, as opposed to what what is actually coming out? On the news, you know, we've been hearing about politicians being indicted and so on. But all that's political. And it doesn't matter what the evidence shows. And of course, we don't know all the evidence in some of the cases. And like, in everything that we do, we have just created such incredible shifts. One of the things I think about is Bill Cosby. So now he's got nine women who have accused him of rape and other things like that. And maybe it's all true. But you know, what the other side of Bill Cosby is, he was a very funny guy for many years. And now a lot of people would say, well, we just can't have anything of his around anymore, because look at the guy he's become, or Woodrow Wilson was a racist. And I participated in a program for a few years called the Woodrow Wilson Fellowship Program, which was something that was created by an organization dealing with independent colleges. And they decided they had to drop the name Woodrow Wilson fellowship, because people started saying, Well, he was a racist. And maybe he was, but what about the rest of what he did? Or I collect old radio shows as a hobby. And I've seen a number of instances now where people are saying, well, Amos, and Andy should be completely thrown out because they're black. And they and the people who portrayed them were white and are totally misrepresenting black people. Really. We, we want to rewrite history, and not recognize the value that history brings. The The fact is with Amos and Andy, for example, in the 30s, and into the 40s. People would go on Saturday afternoons to the movie theaters for matinees. And when Amos and Andy came on, the show stopped, and everyone listened to Amos and Andy, the show was well loved. And the fact is that, was it really intentionally racist? Or was it entertainment that everyone laughed at and loved? It changed, of course, when Amos and he went to TV, and I didn't know that for a while, I didn't even know they were black. I didn't even think about it, you know, when the characters were, but it went to TV. And of course, then it was to people who who were black. And so that that caused a route. But the reality is that we don't put anything in perspective anymore, and look at all sides of things that we don't get to learn to do that. Because a lot of marketing, whether it's from the politicians or elsewhere, is all based on fear. And all they want to do is create fear reactions within us.   Eric Dates ** 42:38 Yep. No, I completely agree. And, you know, it's funny, that you're mentioning that you feel like, if anyone tries hard enough, you can find frustration in anything, you can find the bad in anything. I mean, I'm wearing a baseball hat right now. So you look at a hat of all the history of a hat and the original purpose of hats, you know, you could probably associate some sort of negative historical context with a hat. Therefore, if you wear a hat these days, you're misrepresenting someone who used to exist. So I think it almost goes back to this accepted level of ignorance, in my opinion, in this in society, because it's, it's, I only know what I know. But what I think you should think, whether we know the same amount of information or whatever, I've learned the full spectrum, or whatever it is, they've convinced themselves that what they think is fact. And we all know what, you know, people say about opinions. I think that's where people should let things lay, you know, is is the opinion is just that and you are 100% allowed to have it. But the second you start finding, I'm not sure if I've mentioned this in the past, but I'm a huge student of it a psychologist out there right now who has concepts around herd mentality in the herd. So these days with digital communities, and you basically have entire access to the world in your hands. You can go find a herd just about anywhere for just about anything. Which is that a false perspective of what I think is correct. It has to be because here's this finite group of people, whether it's 100, or even 100,000, you know, in global terms, that's a miniscule number, but it's enough for them to validate their own idea to themselves. So then they start standing on this hill that they apparently want to die on saying, You must hear me from my position I have X amount of people behind me that also believe this therefore, everyone else must think the way that we think and when you when you apply this to marketing, you know, I love the Bill Cosby reference because you know, how many people did he make laugh? Right? How many times did he make people laugh? And then how quickly are people to once they learn about behind the curtain? Completely, just count everything that they've ever enjoyed. But I see so much of a hypocritical nature there. Because if you were someone who laughed, and then later or someone who's upset, I don't, to me, the logic doesn't add up. So in marketing, to me, this is a masterclass on branding is the second that the expectation that this person set is not actually met, your brand starts to take. So with the Bill Cosby thing, he was making people laugh, he was doing things he had his own persona, his own brand. But the second he deviated from that, and they found something negative, that differ from the expectation in their brain. They hate the guy can't stand him and everything he's ever touched is terrible.   Michael Hingson ** 45:42 Rather than recognizing that what we really have are two things, what he was, and now what he is, which are two different things.   Eric Dates ** 45:52 Correct. And people need to realize that they are two completely separate things.   Michael Hingson ** 45:58 But you know, we've had people and over the last six years with with politics and so on during the Trump era, when reporters would say, but this is a fact. And then we hear, but there are alternative facts. They're there. They're challenging the definition of a fact. And that doesn't work that way. But unfortunately, once again, as you said, with the herd mentality, they've got enough of a herd that buys into it, that suddenly Well, there really are facts and alternative facts, rather than something that is factual. And what is an opinion.   Eric Dates ** 46:37 It all goes back. And I completely agree, it goes back to the search for confirmation, versus the search for truth. And I feel like people constantly become a victim, especially in a world of the internet, where you can honestly go find the answer to anything you want to hear in the way that you want to hear it. Right. So it's like people are constantly in search of confirmation of please tell me that what I'm thinking is correct versus what is correct. And that is the that's the mentality shift that I'm a little cynical on is this where the broader group of consumers are headed, just based on behavior, which as you look at digital marketing, and SEO, and all these other things, it's a dangerous road, because you could start to preach something that's not necessarily true. But you could convince people that it is and boom, you're left with a fire festival in the marketing realm where everyone's super excited to come see these artists that no one's actually playing. Yeah, thanks for your money.   Michael Hingson ** 47:34 Isn't it amazing? Well, and you know, last year, with all the stuff with Ticketmaster, and Taylor Swift and all that, a great performer. And still, it's a performance, it's entertainment. Yet people took it so personally, and of course, Ticketmaster, may very well have done some things that they shouldn't have done. But my gosh, the Dubrow over it was was incredible. There's, again, no, no medium, no midway, or no way to just try to put it in perspective and say, Okay, let's hold Ticketmaster responsible, but don't take it personally. Yes.   Eric Dates ** 48:15 I feel like that's the, the the unfortunate reality that we all live in now, because of all types of media, whether it's social, whether it's on television, whether its political, whether it's not, it's PayPal, and finally understood, it's so much easier to get people riled up about something than it is to get them to come together and fix something right. They'd love to point fingers, they'd love to throw stones. But when it comes to kind of building what they need to build, in order to never have to throw a stone again. That's, that's someone else's job. It's not someone   Michael Hingson ** 48:49 else's job. Whatever happened to Gandhi and be the change you want to see in the world?   Eric Dates ** 48:54 That's true. I feel like some folks have been taking that a little differently these days.   Michael Hingson ** 48:58 Yeah. Yeah, it's, it's amazing. Well, how are we going to change that? Do you have any thoughts or notions?   Eric Dates ** 49:07 I really think it's, it's by doing what you just mentioned, you know, you know, studying God is truth there is once you become what you need. You don't need it anymore. Right? You've you've become it and you now are the solution. So if you want to be the change that you want to see, leading by example, is the only way to do that. And I think it's often scary because back to the herd mentality, if you deviate from the herd enough, you know, fight or flight instinct kicks in and all sudden you're out in the open. Everyone's looking at you and you're terrified to make decisions. And that's where courage and I think that's something that's really lacking in a lot of individuals these days, whether it's from fear, whether it's from uncertainty, whatever it might stem from, it's who has the courage to step up and just start doing the right thing, not not tweeting about it, not putting it under Social mean idea, you're actually doing it right not playing the game, throw the game away and change the game and say this is my domain. Now here's how I'm going to approach this, people will eventually follow suit, I just think we need it on a larger scale with the right people to do so in a way that it's not captured by me to say that this is cheesy, or this is something you poke fun at, because now you have a lot of a lot of enemies who have a lot of real estate in the mind, that you're going to have to kind of overcome. But I think those who stay true, you know, through your courage to the sticking place, if you will, you won't, you won't fail, and we won't fail, and everything will get to a much better spot, I just think we need to unlock and empower those leaders who are all out there that are trying to do this, I think we'll just be stronger as a group, versus kind of the single twig that can snap, you know, you bunch them all together, and boom, it's it's a log.   Michael Hingson ** 50:58 Yeah. What kind of mindset do marketers need to establish within themselves to truly become successful and, and help bring that change about? And how do we make that happen?   Eric Dates ** 51:13 That's it that is a tough one it but it's a fantastic question. Because it's something that a lot of people should ask themselves quite often. And it's always a fine line between you're hired to do a job, right? You're You're tasked with a business goal, if you have to grow us from X to Y, or from Y to Z, whatever may be in you know, ABC amount of time. Knowing that that's a task. I think it's just having the humility and courage to not cross into the gray area, where it becomes manipulation of, hey, I can, I can almost persuade you to go do something because you understand these powerful tools that you can unlock in the in the brain. So I think it's, it's really just be a amplifier of truth. Constantly, whether it whether the product is good or not. tell the true story. And set the right expectation of something that you can deliver on don't sell the vision. Right, that that's not your job. As a marketer, your job is to sell reality to that person, so they can make the right decision going back to your point in sales. And I think more people need to stay true to the craft of over deliver information, provide context, establish an expectation for what you can do, and what you will do. And let the people choose accordingly. Because that That, to me is the beauty of a free market. It's the beauty of when people can make decisions based on supply and demand because they put the demand in there, you know, in a world full of supply.   Michael Hingson ** 52:54 Yeah, interesting concept of over deliver information. But it is relevant and true. And of course, it's also delivering the right information, which goes back to truth. And I don't personally think that there are really different kinds of truth. I think that it goes back to facts and alternative facts, there is truth. And what it really comes down to is we need to ask the right questions. And consumers need to learn to ask the right questions and maybe marketing and other people who are involved in setting the trends need to teach us how to ask and what to ask for the right questions.   Eric Dates ** 53:38 Absolutely, it goes back to, to ethics and leading with that for if you truly want the customer to be first, I think to simplify it. do just that.   Michael Hingson ** 53:55 Do you distinguish between? and I'm I'm thinking about this? Because I thought about the whole discussion that we had about sales and selling products and being truthful about that. How do you define or what do you think about the differences between personal success and professional success? Because that's an interesting thing. You're professionally successful if you're for your sales guy, for example, if you're selling lots of stuff and people are buying from you, but that doesn't necessarily lead to personal success and what's the difference? And what are they   Eric Dates ** 54:27 another phenomenal question I think with with today's social atmosphere, and how we're constantly you know, being influenced if you will, which I think is a really really funny term. But these influencers out there who are you know, these people trust for a variety of reasons are created by created by the consumer themselves because again, it goes back to that search for confirmation of like, I think I want this but I need someone to tell me that this is the right thing to get So that's a really good, good question.   Michael Hingson ** 55:05 Yeah, because in reality, rather than saying, I need somebody to tell me, it's the right thing, it would seem to me that what we should do is to say, I need to get the information from sources to decide whether it's the right thing or not. And if I'm not confident, then maybe there's something else I need to learn. And there's something there's nothing wrong with experts. There's nothing wrong with people who really no one has ever said. But by the same token, it still comes down to you should check all sides of it, whatever it happens to be, and then decide what the right thing is. Because the fact is that the right thing for you may not be the right thing for me. And that doesn't make the decision for either of us wrong.   Eric Dates ** 55:52 Absolutely. And I think as we look at defining the personal side of success, I think becoming more aware of these things that exist in marketing, and in business alone, I mean, just just being a smarter consumer, in my opinion, today will help people gain that success, whatever that looks like. Because if you can't fall victim to marketing, manipulation, or you know, persuasion out in the market to go make decisions that you didn't necessarily want to make or wasn't the right one, because you were tricked, whatever it may be. I think that that realization of being cognizant of what's going on what those triggers are, so you don't fall victim to it, start to open up the right way to more clearly define what success looks like for that individual. Because now your mind is free. And to me, that's the precursor to personal success is how do you unlock your own mind, from a place of being controlled professionally, I think it's it to me, it's no different than sports in the way I believe this, it's, it's professionally is whatever your goals are for yourself in this role, whether you want to achieve the CEO or whatever you want to achieve. And you go get it like celebrate that win, because it's something you want it to go do for you to understand why totally different discussion. But if you if you, you know wholeheartedly believe that that's what you want to go do as a professional, you want to, you know, win a championship, win a Super Bowl, you want to have an exit with a, an acquisition, or m&a activity, whatever it may be. That's okay. That's a great goal professionally, but I think separating the two is where people start to win. Because they know that there are two difference. Because you know, professions only exist because of money. Right? If you really look at it, it's you're getting paid to do something, therefore you are professional. That's it. But as your personal stuff should be a little bit separate, in my opinion. But that's that's just my my thought on that matter.   Michael Hingson ** 57:50 Well, I would agree and goals, by the way can evolve. So you may start out wanting to be a champion or acquire a company or become a CEO. And it may very well be that as you work towards something, you'll decide that well maybe that's really not what was best for me and you should be open to looking doesn't mean you have doubt, but you should be open to evaluating what you do regularly. You did. And you you migrated. And that seemed to work pretty well. You know, we call this unstoppable mindset what? What would you suggest to people in terms of how they can develop an unstoppable mindset, mindset.   Eric Dates ** 58:31 Love that, to me is the word that stares me in the face is mind, right? Just the root of all of that comes to understanding your own mind. Not everyone else is just focused on your own right understand what makes you tick, understand what makes you frustrated, you know, put in the time of thinking every day and just challenge yourself understand things seek truth in yourself. Don't think validation or seek validation and other people's thoughts and opinions? Or or god forbid the internet. You know, really just be cognizant of who you actually are. And I think once you understand that there's your starting point, to start figuring out, how do I stay this person? Is it first of all, is this the person you want to stay? As? That's a great question to ask. But once you figure out that this is me, and this is who I want to be. That to me is is the unstoppable mindset part because now you're concrete in your conclusion that this is me, and I accepted and proud of who I am. And now everything else out there is just how do I go? Get it done? Because you already done the hard part of figuring out yourself   Michael Hingson ** 59:47 and it is all about you understanding you and I totally agree with you. And that's a great way to bring this conversation to a close because I think it will give all of us a lot to think about out. And I do want to thank you for being here with us. How do people reach out to you maybe learn more about you and learn what you do and how they can maybe interact with you?   1:00:10 Absolutely. The one social platform that I am on is LinkedIn. And I'm completely accessible, happy to chat with anyone, anytime. How do they find it and just search for Eric Dates, I believe I'm one of the few. And I'm happy to share out the LinkedIn URL that we can toss in the bottom of this at some point. But yeah, never hesitate to reach out if there's something you'd like to talk about any subject, not just marketing, or philosophy or, or consumers or anything like that. Anything. I just welcomed the community.   Michael Hingson ** 1:00:41 We'll make sure it's in the in the notes, by all means. Well, I want to thank you again for being here with us. I do have one last question. What do you do when you're not working?   Eric Dates ** 1:00:53 I've got two beautiful kids who I love playing with all the time. I love putting on my kid hat because for me, that is who I am. I'm just a grown up kid. And I love playing with them. You know, I love the family life. And they got an incredible mom who we play with all the time. And yeah, I love playing with my family. So that's, that's what I tried to do the most. Because for me, as we looked at, in really in the mind, that's, that's what's very important to me. So I want to make sure I get a part of that, or as much of that as I can on a daily basis.   Michael Hingson ** 1:01:24 And that is cool. And that's the way it really should be. Well, thanks again for being here. And I want to thank you for listening. If you would please give us a five star review at read five star review. If I could talk I'd be in lovely shape. Give us a five star review. Wherever you're listening to us, we would appreciate it. Always love your comments. I always love your thoughts. So please feel free to pass them on. You can reach me Michaelhi I M i c h a e l h i at accessibe A C C E S S I B E.com. Or go to Michael hingson H i n g s o n.com/podcast. Love to hear from you. And Eric, for you and all of you listening if you have any thoughts of people who we ought to have as a guest, please let me know. We are always looking to meet more people and have more great conversations and really, hopefully help make the world a little bit better place by everything that we do. So please don't hesitate to reach out and Eric once more. Thank you very much for being here with us and spending the last hour with us today.   Eric Dates ** 1:02:27 Absolutely. Michael, thank you so much. It was an absolute pleasure. I hope it gets to do it again.   **Michael Hingson ** 1:02:36 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. T

It's no question that St. Louis is heating up. The region is part of a “heat belt” that is forming across the Midwest and parts of the South, which will face heat indexes of 125 degrees or higher in about 30 years. As we unpack our sweaters in anticipation of cooler, autumnal temps, you may want to consider whether your home can take the heat. Holly Edgell, managing editor of the Midwest Newsroom at NPR shares her recent reporting on the personal and environmental dangers of “hot houses.”

Yesterday was a travel day for us as we made our way to Phoenix, Arizona for an assignment coming to you a bit later. And, yes, it's hot and sunny here. Meanwhile, we hear that back in Iowa that state received some much needed rain.  If you want to reach us on social media and if you're on Threads you can find  us @Insight_On_Business. And you can hook up with us all day on Twitter or "X" @IOB_NewsHour and on Instagram.  Here's what we've got for you today: More strikes? The UAW is demanding movement; The Instacart IPO went pretty well; Looking for a job? Some big hiring numbers were out today; Google losing digital ad buys but to...who? Social Security checks to get larger; Citi Group to lay off more workers and why; The Wall Street Report The merger of two U.S. football leagues? Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

This episode of Scandal Water contains adult themes and descriptions of violence. It is not intended for all audiences. Listener discretion is advised. It's the 3rd deadliest nightclub fire in US history and the reason you see a maximum capacity sign posted in every restaurant and bar you enter. Yet many have never heard of the horrific fire that ravaged the Beverly Hills Supper Club in May of 1977, killing 165 people and injuring 200.  Known as the “Showplace of the Midwest,” the opulent, sprawling facility located in Southgate, Kentucky, not only offered event space, but also boasted wildly popular Vegas-style performers and acts.  The evening of May 28, 1977, approximately 1200 people crowded into the cabaret room to see the legendary performer John Davidson, never dreaming their night would end in a nightmare of flames and toxic fumes.  Join us as we revisit not only the circumstances behind the tragic Beverly Hills Supper Club Fire, but also the impact it had on fire safety codes and the mystery that still lingers. #BeverlyHillsSupperClub #SupperClub #Nightclub #USHistory #Deadly #ShowplaceoftheMidwest #1970s #Vegas #Kentucky #TrueCrime #JohnDavidson #ScandalWaterPodcast #Podcast #TuesdayTea #History

For more information, click here: https://www.celebrate.church Subscribe to the latest sermons: http://bit.ly/2T6ASbu Two Words: Meet Jesus. This is the vision of Celebrate Church, led by Founding Senior Pastor Keith Loy and based in Sioux Falls, SD with multiple locations throughout the Midwest.    —— Stay Connected   Website: https://www.celebrate.church/Celebrate Church  Facebook: https://www.facebook.com/CelebrateSF/Celebrate Church  Instagram: https://www.instagram.com/celebrate_c... Celebrate Church  Twitter: https://twitter.com/celebrate_cc

The crew gets together to discuss the happenings of the week, Scott attended the Midwest Affiliate Gathering,  Rogue is almost full! What is going on with the Mikey Witous Situation and so much more

Yet again the boys are forced to pod via the worst communication medium ever conceived, the dreaded Zoom. But since they are the greatest podcasters to ever walk the earth they turn in an incredible and entertaining performance. They even spend the money for Zoom Premium so the episodes doesn't end abruptly at 40 minutes this time. Alex is yet again aghast at how Geoffrey chooses to live his life and Geoffrey frankly rarely thinks about Alex at all. We are back in the studio next week when Geoffrey finally has a break from touring and Alex is returns from blonde-chasing in the Midwest. Through it all the boys remain the only funny podcast. JOIN THE PATREON for a weekly bonus episode and early access to regular episodes: https://www.patreon.com/youreanidiot

The Fed can raise interest rates, but they cannot create housing supply.  Housing intelligence analyst Rick Sharga joins us for the second week in a row. This housing market is awful for primary residence homebuyers. But at GRE Marketplace, you can still buy income properties with rates as low as 4.75%. Rick tells us that the most prosperous markets now favor the: Midwest and Southeast, single-family homes, rental property investors with buy-and-hold strategies. National home prices are appreciating modestly. Home sales volume is still down. Investors now account for more than one-quarter of property purchases. Mortgage delinquencies are near an all-time low. Rick and I discuss why this market is so bad for flippers.  High homeowner equity positions ($300K+) support this housing market.  Timestamps: The impact of rising mortgage rates [00:02:37] Discussion on how the Federal Reserve's raising of short-term rates has caused mortgage rates to go up, affecting the housing market. The affordability challenge [00:03:38] Exploration of the impact of higher mortgage rates on homebuyers, particularly first-time buyers, and the decrease in affordability. Low supply of homes [00:08:48] Analysis of the low inventory of homes for sale, with a decrease of 9% from the previous year and 47% from 2019, leading to a challenging market. The mortgage rate lock in effect [00:11:05] Discussion on how the mortgage rate lock in effect can crimp demand but cannot create supply. Hottest markets in the Midwest and Southeast [00:11:05] Analysis of the hottest real estate markets in the Midwest and Southeast regions of the United States. Positive turn in home price appreciation [00:13:06] Explanation of how home price appreciation went down but has recently turned positive again. Housing Permits, Starts, and Construction [00:21:24] Discussion on the trends and levels of housing permits, starts, and construction, and the need for builders to increase production. Investor Activity in the Residential Market [00:22:28] Exploration of the percentage of home purchases made by investors, with a focus on small and medium-sized investors and the misconception of institutional investors dominating the market. Delinquencies and Foreclosures [00:24:36] Analysis of mortgage delinquency rates, foreclosure activity, and homeowner equity, highlighting the low delinquency rates, the presence of equity in foreclosed homes, and the importance of early-stage foreclosure sales. The future direction of rents [00:32:00] Discussion on the potential upward pressure on rents due to low affordability and high homeownership rate. Inventory coming to the market [00:33:03] Exploration of the impact of expensive inventory coming to the market and its effect on rent prices. The overall economy and housing market [00:34:03] Consideration of the possibility of a recession, unemployment spike, and foreclosures affecting the housing market. The coach's role in finding real estate deals [00:43:06] Explanation of how an investment coach can help you find the best real estate deals in the marketplace. Advantages of buying properties from marketplace [00:44:20] Reasons why buying properties from marketplace can lead to good deals, including lower prices and absence of emotional seller involvement. Resources mentioned: Show Notes: www.GetRichEducation.com/467 Rick Sharga's website: CJPatrick.com Rick Sharga on X (Twitter): @RickSharga Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Hold a terrific discussion today on the direction of the housing market, including lessons that you can learn for all time plummeting home sales volume and direly low home inventory. Why home price appreciation is taking place now. Could the government soon penalize you for owning too many rental properties? What's the best place for a real estate investor to position themselves in this era? And more today on Get Rich Education.   (00:00:33) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   (00:00:56) - Walking from Horseheads, New York to Nags Head, North Carolina, and across 188 nations worldwide. I'm Keith Weinhold. And you're listening. To get rich education, you are going to get a fantastic market update today. And along the way, you'll also learn lessons if you're consuming this 5 or 10 years from now. Our expert guest was with us last week to discuss the economy. This week, it's episode two of two as we discuss the real estate market.   (00:01:25) - He has been the executive VP of markets at some of America's leading housing intelligence firms, and today he's the founder and CEO of Patrick Company, either a market intelligence firm for the real estate and mortgage markets. And he has 20 plus years of experience in those industries. It's the return of Rick Saga Part two of two. It's not imperative that you listen to last week's Part one of two that we can help you see the big picture. Enjoy this long, unbroken interview and then after the break, I'll come back to close it. Just you and I. We're talking with Rick Sagar, expert housing analyst, previously. We talked about the general condition of the economy. And now Rick and I are going to break down the housing market with what's happening there. There's so definitively connected. Keith One of the things to that the Federal Reserve has done by raising those short term rates is caused mortgage rates to go up, right? Mortgage rates tend to run loosely in line with the yields on the ten year US Treasury bonds that we talked about at the end of the first segment.   (00:02:37) - Those are now up around 4%. And typically a 30 year fixed rate mortgage will be between one and a half and two percentage points higher than that yield. So in a normal market, we'd be looking at a mortgage rate today of about five and a half to 6%. Instead because of the risk and the volatility that the market is pricing in because they're not sure what the Federal Reserve is going to do next. We're looking at mortgage rates for a 30 year fixed rate loan of over 7%. The most recent numbers from last week from Freddie Mac, we were at almost 7.2% on that average, 30 year fixed rate loan and 6.5% on a 15 year fixed rate loan. You and I were talking before the show and and you know, historically speaking, if we keep these things in context, we're still actually below the 25 year average, which was 8%. But we have a whole generation of homebuyers who've come of age during the period of the lowest mortgage rates in the history of the country. They got spoiled, they got spoiled.   (00:03:38) - And to be clear, it's one of the reasons that home prices rose as rapidly as they did and got as high as they are is because you could afford to make monthly payments with a two and a half, three, 3.5% mortgage. Now, you still have home prices about as high as they were then, and you have a mortgage rate that's doubled. And for most home buyers, particularly first time home buyers that make your monthly mortgage payment was going to go up by 45 to 60%. And most of us didn't get that 45 to 60% raise last year. It really had a huge impact on affordability. In fact, this is such an unusual occurrence that according to Freddie Mac, it's the only time in US history when mortgage rates doubled during a calendar year and they didn't just double in a calendar year. Keith They doubled in the space in a few months. It was that kind of systemic shock to the system that really hit the housing market as hard as it did. Right. And they've also nearly tripled in a pretty short period of time.   (00:04:35) - Yeah, they really have. And again, going back historically speaking and and get this from Gen Z folks and millennials, when I talk about, you know, the old days of mortgage and I do remember my first mortgage had two numbers to the left of the decimal point. I forget if it was 11 or 12%, but it was something like that. And they basically say, okay, Boomer, but that 11% mortgage was on your $70,000 house, Right. And not, you know, today's median priced home of $430,000 or whatever it is. So it's a fair point. Mortgage rates are not high, historically speaking, but that monthly cost, because of the combination of home prices and higher interest rates, is choking some people and making affordability a problem. And because of that, one of the forward looking metrics that I take a look at is the purchase loan mortgage application index from the Mortgage Bankers Association. So this is the number of people that are applying for loans with the purpose of buying a house.   (00:05:35) - They're off almost 30% on a year over year basis right now. You can see without straining your eyes at all the impact that these higher mortgage rates are having on the housing market. And we had almost record numbers of purchase loan applications from the time people who are allowed out of their house during the pandemic until these mortgage rates doubled from 2020 through the early part of 2022, mortgage rates were in the threes and fours and sometimes even in the twos. Yeah, everyone wants to talk about mortgage rates and it is an important discussion to have here at Marketplace with our investment coaches. Rick Some builders, as you know, they commonly offer rate buy down incentives to buyers of new homes. And what some of our providers are doing here, Rick, is we have one builder where if you use their preferred lender, they're buying down your income property's mortgage rate to 5.75%. And we have another builder where if you use their preferred lender, they're still buying down your mortgage rate to 4.75%. And of course, with Non-owner occupied property here, you know, previously you had talked about mortgage rates in excess of seven.   (00:06:47) - They might normally be about 8% for non owner occupied property, but you're able to buy them down to five and three quarters or even four and three quarters with one of our providers for new builds right now, that's a great deal and your listener should really be taking advantage of those opportunities. We'll get into new homes in a few minutes and what we're seeing builders do for consumers, But have to tell you, those numbers are better deals than consumers are getting right now. And you're being generous when you're talking about private lending rates right now. Most of the lenders I'm familiar with are nine, ten, 11%, depending on the nature of your investment. So your folks are getting a great deal with those rates. We talked about purchase loan applications. The other advanced predictor I look at is pending home sales. These are people that are entering into contracts. The deal hasn't been closed yet. Has it been recorded yet? This comes out from the National Association of Realtors. And those numbers are down on a year over year basis as well.   (00:07:42) - There's a lot of rate sensitivity in the market, though, Keith. And if you go back to March when rates went down just a fraction of a percent, we saw more purchase loan applications. We saw more pending home sales. But as rates have climbed back up over seven, we've seen both of these metrics go down. Yeah. So we're talking about pending home sales. We're talking about sales volume that's down in this discussion, not sales price. And anyone might be hard to say, but when you see sales volume that's down, including pending sales, how often is that due to worse affordability and how often is that due to low supply of homes? Why don't we jump right into that? Keith That's a great segue. And this is a very difficult time in the housing market because it has both of the factors that you just mentioned, two very difficult headwinds for the market to try and overcome. And and we'll get into details on both of those in just a minute. Because of that, existing home sales were down in July and they were down pretty significantly on a year over year basis, about 16%.   (00:08:48) - And that's the 23rd consecutive month where existing home sales were lower than they were the prior year. January was the lowest month of sales this month, and it broke a streak we started this year. I was forecasting that we'd see between 4.3 and 4.4 existing home sales. That's down from about 5.2 last year in about 6.1 million the year before. Right now, we're trending at a little over 4 million existing home sales for the year. So even my relatively low forecast for the year may have been overly optimistic. You mentioned inventory and inventory is a huge headwind for the market. Inventory of homes for sale today is down about 9% from where it was a year ago. It's down 47% from where we were in 2019, which was probably the last normal year we've had in the housing market. In a normal year, we would be looking at about a six month supply of homes available for sale. That's what economists or housing market analysts will look at as a balanced market balance between supply and demand. We're at about two and a half months supply right now nationally and in many states it's much lower than that.   (00:09:56) - So there's just not much out here. And the only reason the inventory number looks as good as it looks and it doesn't look very good is because it's taking a little longer to sell properties once they hit the market. If you were looking at new listing data, it's even worse. There's very little inventory coming to market in the way of new listings, and that's because of the rate increases we talked about a minute ago. 90% of borrowers with a mortgage have an interest rate on that mortgage of 6% or less. 70% have an interest rate of 4% or less. If you're sitting on a mortgage rate of 3.5% and you sell your house and buy a house at the same exact price with a 7% mortgage, you've just doubled your monthly mortgage payment. It's not that people psychologically don't want to trade a low rate for a high rate. There's a financial penalty for them doing so. And until we see mortgage rates come down a bit, probably into the fives, we're just not going to see a lot of inventory coming to market except for homeowners who need to sell or have so much equity and maybe you're going to downsize into a smaller property that they don't care about that kind of shift.   (00:11:05) - Yeah, that is the mortgage rate lock in effect. Perfectly explain. And the Fed with the raising rates, they can crimp demand. But one thing that the Fed cannot do is create supply. As much as you might like to see Jerome Powell in work boots with a nail gun, that just doesn't happen. There's an image for you, for your listeners. Yeah, and I'm not sure I'd want to. I'd want to live in that house. That's not Chairman Powell building, but inspection. Yeah. Good economist. Maybe not a carpenter. We were talking about this a little bit earlier, too. And if you're an investor, this is probably worth noting, whether you're a fix and flip investor or investor who's buying properties to rent out a lot of the interest. This is from the sharing some data from Realtor.com and they've taken a look at where people are searching for properties and where transactions are taking place and they're finding that Midwest Southeast are really the hottest markets, places that are a little off the beaten path, you know, places in New Hampshire and Connecticut and Maine and Ohio and Wisconsin.   (00:12:06) - But interestingly, some of the markets that had been suffering a little bit, they're starting to see a little more interest in whether it's California, but off the coast or markets in Colorado or Washington state. But clearly, a lot of the activity, a lot of the money is moving into the Midwest, in southeast. That's right. With the work from anywhere trend, you might see this small flattening and not as much of a disparity in home prices between markets. You're certainly still going to see that, but that can just help create a mild flattening when it doesn't matter where you live anymore and you can go ahead and purchase in lower cost markets. Yeah, and what I'm sharing now is national home prices, home price. And I'm glad you mentioned what you just did, Keith, because the fact of the matter is this has been a very localized correction. And if you're in San Francisco or San Jose, if you're in Seattle, if you're in Austin, if you're in Phoenix, you're in markets where prices are off 10% or more from peak.   (00:13:06) - If you're in Boise, Idaho, you're off more than 10% from peak of Boise had oil prices go up by 47% in a single year, a year or so ago. So he just overshot the mark. One of the reasons the national numbers don't show more volatility is because of what Keith just mentioned. It's because people are trading in where they are in a high price, high tax state moving into a lower price state and candidly outbidding local buyers and probably overpaying a little bit for those properties. So you're seeing home prices go up in some of those less expensive markets much more rapidly than they would under normal circumstances. And what we're talking about here is national home prices that are appreciating at a modest rate now. Yeah, and they are. So if you look at whether you're looking at the Case-Shiller index, it gets published monthly or the National Association of Realtors data. We saw home price appreciation start to go down last year. It was still positive but going down and that was true until pretty much the end of the first quarter this year when the data went negative for the first time in years.   (00:14:15) - So we were seeing on both a month over month and year over year basis home prices go down and that happened until June, June, things flatlined in July. Prices actually went up ah, year over year. So if you're looking at the median home price compared to the peak price a year ago, it's actually up about 1% from where we were last year, which is kind of amazing. The Case-Shiller index is a little bit of a lagging indicator and it rolls three months together, but it also started to turn the corner with its July report. So after almost a full year of price appreciation coming down and prices in decline, we've seen both of these indexes turn and are starting to go positive. It does show you that there continues to be demand for properties that are brought to market. And while home price appreciation certainly isn't soaring by any means, it's back in positive territory now. And that's something that a lot of people hadn't predicted this year. When the supply of homes is this low, it keeps generating a few bids for any available home.   (00:15:21) - Now, not as many bids as it did back in 2021. But besides generating bids, you have these huge population cohorts of millennials and Gen Zers that are growing, and they're in their prime homebuyer years moving through the system to go ahead and place those bids and keep just modest home price appreciation here lately. That's sort of how I see it. Rick If you want to add any color or thoughts to that, I think you're spot on. Keith It's the largest cohort of young adults between the ages of 25 and 34 in US history. That's prime age for forming a household. 33 to 34 is the average age of a first time buyer right now. And so these people would like to buy a house. And for people who are investing in single family rental properties in particular, at least short term, the affordability issue is something that definitely works in your favor. If somebody was looking to buy a house, they might prefer to rent a house rather than rent an apartment. I've read research that shows somewhere between 20 and 30% of people who had planned to buy have decided to rent for the next year or two while market conditions settle down or while they can put aside more money for a down payment.   (00:16:27) - These market conditions are playing in favor of people who have rental properties to offer. One other metric I'd like to share in terms of home prices, Keith is the FHFa puts out its own index. FHFa is the government entity that controls Fannie Mae and Freddie Mac. So these are your conventional bread and butter, vanilla kind of 30 year fixed rate loans. If you look at their portfolio, home prices are actually up 3.1% year over year. And every sector of the country is showing positive rice appreciation except for the Pacific states and the mountain states. And those are some of the markets we talked about earlier. And even those are very close to breaking even at this point. So HFA breaks it into about ten regions, nine of those ten currently appreciating year over year. Yep, something like that important for you to know again as an investor as to what's happening in your region. Again, whether you're you're planning to sell the property or rent it out. You talked about what builders are doing for your investor folks.   (00:17:28) - Yeah, we're seeing new home sales actually improving to consumers as well for a lot of the same reasons, incentives. So a lot of builders are coming to the closing table with cash. They're paying points on mortgages and getting those rates down where they're short term or long term. They're offering discounts, they're offering upgrades to properties. And so new home sales are still down, but just slightly on a year over year basis and have actually been beating last year's numbers for the last four months. My original estimate for new home sales this year was about 600,000. I think we're going to probably coming closer to 675,000 this year. And the only reason we won't sell more is because the builders aren't building that fast enough. But one of the reasons people are buying these new homes is because that's what's on the market today. People would have bought an existing home, can't find one. Here's the other factor. New home prices are down 16.4% from last year's peak. Now, this is informative. Think this would surprise a lot of people? Well, it surprises me.   (00:18:28) - It should surprise people because new home prices almost always go up, right? This does not mean builders are discounting homes 16.4%. What's happening is they are building less expensive homes, They're less expensive per square foot, and they're building smaller homes. And they're doing that in acknowledgement of the higher cost of financing. That also, by the way, is in sending people to look at these properties as either a starter home or a minor move up kind of property. But it is one of the reasons why new home sales are doing better than existing home sales right now on a percentage basis. That's an interesting number, Rick. A few weeks ago, I shared with our newsletter audience that builders are building homes smaller and closer together, which might be reflected in lower prices, but just didn't think it would be 16.4% lower from peak. Now, if you're doing year over year, it's probably not that big of a drop, but from the peak price we are off. And it is to your point, it's a pretty significant number.   (00:19:26) - It would be a problematic number if it was the existing home market, right, because then you'd be looking at the same property being worth 16% less. But a builder can kind of play with those numbers a little bit. Single family housing starts after falling for quite a while, are now back going back up only slightly from where they were a year ago, but they are moving in the right direction. Multifamily starts have actually tailed off a little bit after reaching record high numbers. There could be as many as a million apartment units coming to market this year. Yeah, which would be an all time record. So we've seen building on those multifamily units slow down a little bit. If you look at at new home starts for single family properties still below where they were a year ago. But again, for the first time in quite a few months, starting to trend up. A couple of things to share with your viewers here, Keith. In terms of construction, we're seeing construction continue to grow in the multifamily market because of all the starts we saw previously.   (00:20:23) - We are seeing single family construction slowed down, but that's because the builders are working their way through a glut of homes that was under construction. So we had a really weird happenstance about a year ago, a little over year, we had the highest number of homes under construction ever. And this data goes back to the early 1970s, and we had the lowest number of completed properties available for sale ever. And a lot of that was due to supply chain delays and to labor shortages. And over the last year to 15 months, the builders have gradually begun working through this glut of homes that were started but not finished. And we've seen the number of completed homes go up a little bit, almost back to normal levels, not quite there. One of the reasons they're not quite there is people are buying these homes before they're completed. They're working with the builder. Buying a home is it's almost ready to go, but still under construction. What's been encouraging, looking into the future is that permitting has increased a bit over the last two quarters.   (00:21:24) - We know builders are betting on the future. They're not necessarily breaking ground on all these properties they have permits for because they don't want to oversaturate either. And they're being very judicious with their building because they got caught with a ton of inventory during the Great Recession that they wound up selling at fire sale prices. But the trends are long term, looking like they're going in the right direction right now for new homes. So to help the viewer and listeners chronologically, we're talking about housing permits followed by housing starts. And then finally, housing construction. Right? Permits are up, starts are up recently, but down year over year. And the construction numbers are getting back close to normal levels. And we need the builders to build more because even before the rate lock effect took effect and existing home inventory got so scarce we didn't have enough housing in the works, we were depending on whose numbers you believe, somewhere between 2 and 6 million units short. We need the builders to come back to market. Note for your folks.   (00:22:28) - Keith Investors continue to account for a fairly significant amount of activity in the residential market. Over a quarter of home purchases 26% in June, which is the most recent data we have, were made by investors and believe this number actually under reports the number of investor purchases because it's from a company called CoreLogic, it's accurate data for what they count, but they only count investor purchases where the buying entity has an LLC and LP Corp kind of entity. And we know that a lot of buyers don't do that who are investors. So it probably understates it. But the fact of the matter is that historically speaking, 26% of residential purchases being done by investors is pretty high number. That's a pretty high number and as you alluded to, is probably actually higher than 26% of home purchases being made by investors. And so the headlines will breathlessly tell you that Main Street is being gobbled up by Wall Street. Oh, I know. And those institutional investors are evil people. They're buying everything that the truth is is completely the opposite.   (00:23:31) - If you look at investors who are buying properties, it's really the small investors who are buying about 46% of those investor purchases and medium sized investors about 35%. If you're looking at the biggest of the big investors, they're buying less than 10% of what's going out today. And they still own collectively about 3% of the single family rental stock. It's the mom and pop investor who continues to drive the market. Yeah, I'm glad you bring this up, Rick, because there seems to be this outsized perception that institutional money through someone like, say, in Invitation homes is just gobbling up all the good investor homes. And and they're really not. It's mom and pop investors that rule. In fact, there's some legislation pending in D.C. right now that's aimed to keep these institutional investors from doing what they're already not doing and have some tax penalties for anybody who owns. Here's the number that's important. More than 50 properties well, Invitation Homes owns significantly more than 50 properties. I know a lot of medium sized investors who own more than 50 properties.   (00:24:36) - Yeah, they're certainly not institutional investors. They certainly don't have a hedge fund behind them. Important again, for folks in this market to be in touch with their legislators and let them know what's really going on in the marketplace so we don't get this kind of bad legislation. It makes it tough for the average investor to really take full advantage of the opportunities that are out there. 100%. Mom and pop investors might need more than 50 units to obtain financial freedom. Yep. Just to wrap up, Keith, a couple of points on delinquencies and foreclosures. I know a lot of investors got into the business, you know, a decade or so ago and there was just a rash of foreclosure activity and you could buy a distressed property by just walking down the street and knocking on doors. It's a little different these days because of that strong economy we talked about earlier. In that low unemployment rate. Mortgage delinquencies are at an all time low. Mortgage Bankers Association reported that the midpoint of this year, at the end of the second quarter, the total delinquency rate was 3.37%.   (00:25:36) - To put that in context, historically the number is somewhere between 4 and 5%. So not only are we not seeing a lot of delinquencies, we're seeing less than we would see normally as seriously delinquent loans. The ones that are 90 days plus past due is as low as we've seen it in probably the last 6 or 7 years. That's really interesting. So not very many homeowners are in trouble with making their payments, which to some people might seem like a conflict with what we described back in the earlier part of the chat about low savings and higher credit card debt. So many of these homeowners are locked in to these really low payments where they got low mortgage interest rates. Plus inflation cannot touch those fixed rate payments. And that's an important point for those people that are in these homes. It would be more expensive for them to go rent right now, probably because they got such a good deal on the mortgage rate. There's usually a pretty strong correlation between unemployment rates and mortgage delinquency rates. So I mentioned that the most recent report had unemployment at 3.8%.   (00:26:37) - I think at the end of June it was a 3.5%. So we might see delinquency rates tick up a little bit. There was also some really bad social media memeing going on during the government's mortgage forbearance program. There was even an economist who predicted that almost everybody who got a forbearance was going to go into default and that would have been a catastrophe. If you look back a little over a year ago, actually more like two years ago when there was there were a lot of people in forbearance. You saw delinquency rates very high, but that was because people were allowed to miss payments. They were just being counted by the industry as delinquent. The fact is that less than a half of a percent, less than one half of 1% of the borrowers who were in forbearance and there were 8.5 million of them have defaulted on their loans. The overwhelming majority have done very, very well with that program. So it really didn't contribute to any kind of delinquency or default activity. So strong economy, extremely high, low quality because lenders really haven't been making many risky loans since the Great Recession.   (00:27:40) - The record amount of of homeowner equity that's out there. Yeah. Is keeping this market pretty solid to the point where foreclosure activity today is still running at a little bit less than 60% of pre-pandemic levels. So in a normal market, about 1 to 1.5% of loans are in some state of foreclosure. In today's market, it's about a half a percent. So we're just not seeing much go into foreclosure and the properties that go into foreclosure. The homeowners have a significant amount of equity. 92% of borrowers in foreclosure have equity in their homes, which is wildly different from where we were during the great financial crisis, when a third of all homeowners were underwater on their loans. At just about everybody in foreclosure was upside down. And people push back at me when I'm out talking at conferences about this. Keith Oh, yeah, they have equity, but they don't have enough equity to make a difference. Oh, yes, they do. 88% of the borrowers in foreclosure have more than 20% equity. That's typically the magic number that a realtor will tell you you need in order to sell your property and avoid any other kind of complications with one of these foreclosures, preventing any sort of fire sale and lowering of prices that makes all home prices go down in a neighborhood where not anywhere near that.   (00:28:57) - No, not at all. And in fact, some other data that I'll share with you and your listeners is that about 62% of the distressed property sales we see right now are properties in the early stage of foreclosure prior to the foreclosure auction, which means these distressed homeowners are protecting their equity by selling the property before it gets sold at a foreclosure sale. And so they're protecting the vast amount of this equity. But if you're an investor in today's market, there's some really important information in what I just gave you. You can't wait for the bank repossession. In this cycle, bank repossessions are running 70% below where they were prior to the pandemic, so there's fewer properties getting to auction because 67% of these distressed property sales are prior to the auction. Properties that get to auction are selling through at about 60% rate. So there's nothing going back to the lenders. So if you want to buy a property in some stage of foreclosure, your best bet in today's market is to get a list of people in the early stages of foreclosure and reach out directly to them.   (00:30:01) - Your second best bet is to get to that foreclosure auction. Be ready to move at the auction, and your worst bet is to wait for the lender to repossess the property. And in fact, I've seen anecdotal data that suggests that those properties are actually more expensive than the ones you could buy from the homeowner or at the auction because the lenders are fixing them up and selling them at full market price. Good guidance for those chasing distressed properties. So that's what's going on in the foreclosure market. I don't see foreclosure activity being back to normal levels until sometime next year. And I don't see activity bank repossessions being back to normal levels even next year. It's a very different marketplace. This is what I was just talking about. Keith If you were to break up what selling and what stage of the foreclosure process right now, about 64% of distressed sales are taking place prior to the foreclosure auction and less than 20%. Distressed sales today are those background properties. So it's a very different world than what a lot of investors grew up in.   (00:31:03) - Rick is about to share his summary with us, his closing thoughts. Before he does that, I've got two questions for you, Rick. I hear some people out there, it seems to be oftentimes the real estate agent type, maybe that's trying to be a big cheerleader for the market. And I hear a few of them say something like, hey, you know what? You better buy now, because when mortgage rates fall, home prices are really going to shoot through the roof. I don't really know that that necessarily happens because when mortgage rates fall, okay, that might increase demand of capable homebuyers, but it should also increase supply. Now, the mortgage rate lock in effect, goes away and more people will want to bring supply onto the market. And I also like to think about what happens when rates are falling. Typically, that means the economy needs help and unemployment might be a little higher. So my thoughts, Rick, are if mortgage rates do fall substantially, that might help home price appreciation a little bit, but I don't see it as any sure thing that that would make home prices go through the roof.   (00:32:00) - What are your thoughts? It's a great question. You make a very logical argument. A lot of it comes down to supply. And that's where I would hedge my bets. I don't think we see a ton of supply come back to market until rates are back in the low fives. So there's a point and a half of interest going from little over seven to maybe 5.5%, where we're probably going to see more buyers come to market than we're going to see inventory come to the market. My other thought we touched on it earlier is with rents. Talk to me about the future direction of rents. They were horribly hot a year or two ago, up 15% year over year. Rents have moderated substantially. But with this really lousy home affordability and a high homeownership rate, it seems like with this low affordability, we're set up for the homeownership rate to go lower in the proportion that rent go higher, which could put upward pressure on rents over time here. What are your thoughts with rents? Yeah, offsetting what you just said is a record number of apartment units coming to market this year.   (00:33:03) - There are likely to be some markets across the country that wind up oversupplied because of the amount of inventory coming to market. Now, don't get me wrong, the inventory coming to market is going to tend to be expensive inventory. And so that in and of itself could make rent prices come up a bit. I do believe in the short term I would tend to agree with you that the lack of housing stock available for people who would like to buy is going to play in the benefit of the folks who own properties to rent. And that will, I believe, be particularly true for people that own single family residential units that are like houses to rent. I guess we're going to split the difference on these two questions. I'm going to mostly agree with you on the second one. I do believe there's a chance prices will go up a little bit more than you think as mortgage rates come down until we get down to about 5.5%, mortgage rates are lower when we see more of that inventory coming to market. And what is the real wild card in all of this, of course, is what happens with the overall economy.   (00:34:03) - Do we enter a recession? Does unemployment spike? If that's the case, that should weaken, demand a bit and you could have a little bit of an uptick in foreclosures, which will weaken the market as well. So a lot of different components at play. And I think what people ask you questions like that, Keith, about, you know, mortgage rates come down, is this going to happen? They kind of oversimplify the equation quite a bit. There are a lot of other variables that go into it. 100%. Why don't you go ahead and share your closing thoughts with us? A lot of stuff we covered, so I won't dwell on too much of this very long. But from my perspective, a recession is still a real possibility. Probably not until next year if we have one. And if we do, it's likely to be pretty mild and fairly short and we shouldn't see a huge, huge spike in unemployment. I do believe that as the Fed decides it's done raising the Fed funds rate and announces that we'll see mortgage rates gradually decline back toward 6% by the end of this year.   (00:34:57) - And we'll be back in the fives next year. And by the way, historically, every time the Fed has stopped raising the Fed funds rate, we have seen mortgage rates come back down. Existing home sales right now are on pace for their lowest number since 2009. Likely, we're going to see somewhere in the neighborhood of 4.2 million existing home sales. But we're likely to see more new home sales than a lot of people had forecast beginning of this year, maybe 650, 675,000 of those sales in 2023. And we've seen prices decline in the new home market, but they might have bottomed out in the existing home market because of the supply and demand thing that Keith and I have kind of beaten to death during this podcast. Again, importantly for this audience, investors continue to account for a very large percentage of residential purchases and a lot of you seem to be shifting toward buy and hold strategies, which again makes ultimately good sense in a market like today's. And then that anticipated wave of foreclosures that all those folks on YouTube were trying to sell you courses to figure out how to maximize never materialized.   (00:35:57) - And at least during this cycle, not likely to any time soon. Probably won't. Yes, A lot of people a couple of years ago, especially on YouTube, were talking about a certain price collapse is coming and it never happened. And I never saw how it would have happened and I never made those sort of dire predictions. Well, Rick, this was a great chat about the overall economy, the housing market and what investors need with the housing market. I'm sure our audience learned an awful lot. It was a terrific update. If our audience wants to learn more about you and kind of wish this chat would just go on and they could learn more about you and engage with your resources. What's the best way for them to do that? Well, you can certainly follow me on social media. I refuse to say my Twitter handle is just Rick Saga. I'm on LinkedIn to hard to find there. You can also check out my website which is Patrick. Com. Enjoy doing these conversations with you Keith.   (00:36:51) - Think the first time we talked you reached out because I had come down like the wrath of God on somebody who was predicting a housing price crash because I didn't see one coming either and thought he was doing investors a disservice. So keep the faith and keep the good fight going. Keith And I'll be here whenever you want to talk. Jerry Listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. Com. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with freedom family investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%.   (00:38:00) - Their minimums are as low as 25. K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, eight six, six. Hi, this is Russell Gray, co-host of the Real Estate Guy's radio show. And you're listening to Get Rich Education with Keith Reinhold. Don't Quit Your Day dream. Yeah, terrific insight from Rick, as usual. It's remarkable how much this interview is aligned with what we're doing here. As Rick discussed how, though, it's a tough environment for homebuyers, it's better for investors, especially for single family rentals and especially in the Midwest and South are core areas.   (00:39:23) - It's a better market for the buy and hold investor than it is for flippers. It's a tough chase for flippers. Sometimes you don't flip the house, the house flips you. There are still so few homeowners in delinquency and foreclosure. Rick believes that when lower mortgage rates come, home, prices could appreciate more than I tend to think. We'll see how that turns out. And, you know, historically here, as we talk about the direction of home prices and the direction of rent growth Now with respect to home prices, when I provided you with the home price appreciation forecast, I keep somewhat undershooting. The market appreciation tends to outperform what I think by just a bit. Back in 2018, 2019, home price appreciation rates, they were just kind of bumping along at 4 or 5%. Back then, interest rates were super low, housing supply was more balanced. And I said right here on this show then about five years ago, that I don't see what will make home price growth like really accelerate or shoot up from here.   (00:40:32) - Well, then we had the pandemic, something that no one saw coming when the pandemic fog cleared. You remember that all here on the show in late 2021, I forecast 9 to 10% home price appreciation for the coming year, which back then I was talking about 2022. And then that appreciation rate for 2022 came in at 10.2%. Although I was close, I shot just a touch low. Now at the end of 2022, well, about nine months ago, I predicted zero home price appreciation for this year. As we near the fourth quarter, it looks like we'll get low single digit appreciation, but that remains to be seen. However, I've long been undershooting the market just a bit, though. Close and mortgage rates. No, don't even ask me. I don't try I don't make mortgage forecast. That is too hard to do. Making a mortgage rate prediction is almost like a certain way to be wrong. Although Rick and I talked about how this is a good market for investors, to my point from last week, in some markets, cash flow has become an endangered species with some of these increasing expenses for investors.   (00:41:46) - And again, I have some really good news for you here. We have largely solved that problem here at Gray of higher mortgage rates, hurting your cash flow. And that's why investors like you are still snapping up rental properties from Marketplace right now because of the strength of our marketplace network and relationships. Here we have a new build provider offering a mortgage rate to investors of 5.75%. Yes, they will see that your rate is bought down to 5.75%. In today's environment, another new build investment property provider is offering a rate buy down to 4.75%. Yes, you heard THAtrillionIGHT? And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. There is more to it than that. And these builders, though they are in business to move property. So take advantage of it where you can. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year. In addition to buying down the rate. I don't know how long all that's going to last, so this can be a really good time for you to contact your in investment coach.   (00:43:06) - Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Today, your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out. And marketplace properties they are often less expensive than elsewhere in addition to the low rates from some of the providers. But now you might wonder why often are the prices not always, but often, why are they lower? Well, first of all, investor advantage markets just intrinsically have lower prices than the national median. And secondly, there is no real estate agent to compensate with the traditional 6% commission, you are buying more directly. Thirdly, these property providers, they are not. And pop flippers that provide investors like you and other people where they just flip like one home a year instead. These are builders and renovation and management companies in business to do this at scale so they get to buy their materials in bulk, keeping the price lower for you.   (00:44:20) - And another reason that you tend to find good deals at Marketplace is that you aren't buying properties from owner occupants where their emotions get involved and they get irrational over there on the seller side. So you can go ahead and get started with off market deals at GRI, marketplace.com. If you'd like the free coaching from our investment coaches, then contact your coach. And if you don't have one yet again you can do that straight at GRI marketplace.com/coach that's an action item for you this week that your future self should thank you for until next week. I'm your host Keith Winfield. Don't quit your day dream.   (00:45:04) - 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.   (00:45:32) - The preceding program was brought to you by your home for wealth building get rich education.