Podcasts about minus

Am Jahresanfang stelle ich mir selbst eine Mutprobe. Heuer war es die Kältekammer oder auch Kryokammer genannt. Longevity, gut für die Gelenke, Biohacking - alle reden von der gesunden, trockenen Kälte - ich hatte Angst. In dieser Folge erzähle ich im Detail wie es war, weil mich sooooo viele Menschen danach gefragt haben...

For years, space cybersecurity has been a long sought after goal, but due to operational constraints, it was largely unfeasible. In this week's episode, host Maria Varmazis sits down with journalist Shaun Waterman to discuss his recent article “The Newest Space Race is Cyber.” As space has increasingly become a critical infrastructure component, industry leaders and security agencies alike have begun to launch new initiatives to improve capabilities both on the ground and in orbit. Key sources: The Newest Space Race is Cyber. DHS Wants Satellite Volunteers to Test New Cyber Tools. Five Teams of Hackers will Compete to Breach US Satellite in Space. Like what you heard? Be sure to subscribe to our free Signals and Space Briefing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, our Sunday newsletter covering the intersection of cybersecurity and space. Subscribe at: ⁠https://thecyberwire.com/newsletters/signals-and-space⁠  Is there a topic or person you'd like to hear on our show? You can send your questions and feedback to ⁠space@n2k.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. You can also fill our our audience survey: ⁠https://www.surveymonkey.com/r/NJYCN2P⁠  T-Minus: Space-Cyber Briefing is a production of N2K CyberWire. ⁠N2K⁠ is your nexus for discovery and connection for people, technology, and ideas shaping the future of secure innovation. Learn how at n2k.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Fuchs, Jörn Florian www.deutschlandfunkkultur.de, Fazit

Erin Tate is the former drummer for Minus the Bear. For 14 years, Erin played, wrote, and created with Minus the Bear, but after alcohol and substance use took over his life, he hit rock bottom. Erin lost everything: his marriage, his kid, and his band. After getting sober through AA, Erin has tried to make amends for the harm he has caused and keep himself accountable.  Erin is now the site manager for a permanent supportive housing non-profit that helps homeless people transition from the street into housing. This is Erin's story as he has lived it. 

To, co przez dekady uchodziło za symbol dojrzałej demokracji – naprzemienne rządy dwóch dużych partii – dziś rozpada się w całym świecie zachodnim. Nie ma już ani jednego dużego państwa, w którym ten porządek działałby jak dawniej – mówił Darii Chibner w podcaście „Posłuchaj Plus Minus” Kacper Kita, publicysta i redaktor „Nowego Ładu”, autor książki „Epoka chaosu. Dlaczego świat skręca w prawo?”.Kup subskrypcję „Rzeczpospolitej” podadresem: https://czytaj.rp.pl

From '49ers Plus Minus' (⁠Subscribe Here)⁠: Tim and Matt Barrows make their choices for the 49ers' biggest move of the offseason, their biggest worry going into training camp and the player most likely to surprise us in 2026.

Oliver plays tracks from his favourite neo-psych album on its tenth birthday, Psychic Ills' 'Inner Journey Out'. Plus, loud indie rock from Ty Segall and Jackal Onassis. Then, a look at The Minus 5, including a cover of a Neil Young and Crazy Horse classic. Tracklist: Psychic Ills - I Don't Mind Psychic Ills - Baby Ty Segall - Black Paint Jackal Onassis - Runty Little Puppy The Minus 5 - Let the Rope Hold, Cassie Lee The Minus 5 - Pocahontas (Neil Young cover) Psychic Ills - All Alone Follow @asonicyouthpodcast on Insta and Facebook. This show is part of the Free FM 89.0 YOUTH ZONE. Made with support of NZ on Air.

Thu, 11 Jun 2026 13:22:00 +0000 https://jungeanleger.podigee.io/3178-wiener-borse-party-1175-atx-wieder-uber-6000-do-co-und-at-s-sehr-fest-unterschied-zwischen-semperit-und-kontron 35fd8070b61b8f273dfbf9b9df83c8d4 Die Wiener Börse Party ist ein Podcastprojekt für Audio-CD.at von Christian Drastil Comm.. Unter dem Motto „Market & Me“ berichtet Christian Drastil über das Tagesgeschehen an der Wiener Börse. Inhalte der Folge #1175: - ATX stärker - Do&Co und AT&S gesucht - PIR-News: Starke DO & CO-News, Andritz-Großauftrag, Neues zu Kontron, Semperit, Post, Research zu RBI und Erste Group, SpaceX im global market - Unterschied zwischen Semperit und Kontron - Ute Greutter läutet die Opening Bell für Donnerstag. Ihre UKcom Finance wächst weiter als Boutique für IR- und IPO-Beratung ergänzt um Financial Literacy - Börse Frankfurt mit DAX im Minus, gestern Symrise Sieben-Rise - mehr dazu im Podcast bzw. in einem Trial unter https://www.boerse-express.com/suche?search=drastil Links:  - WM Songs: http://www.audio-cd.at/music - Börsepeople Philipp Pölzl: http://www.audio-cd.at/people - Fanboy-Fundraising: http://www.christian-drastil.com - Stockpicking Österreich: https://www.wikifolio.com/de/at/w/wfdrastil1? - Austria 30 Private IR: https://www.wikifolio.com/de/at/w/wf00atat30 ATX aktuell: https://www.wienerborse.at/indizes/aktuelle-indexwerte/preise-mitglieder/??ISIN=AT0000999982&ID_NOTATION=92866&cHash=49b7ab71e783b5ef2864ad3c8a5cdbc1 Die täglichen Folgen der Wiener Börse Party (Co-verantwortlich Script: Christine Petzwinkler) sind 2026 präsentiert von der Deutsche Börse Xetra https://live.deutsche-boerse.com/xetraplus . Infos zum Jingle: https://audio-cd.at/page/podcast/7326 Risikohinweis: Die hier veröffentlichten Gedanken sind weder als Empfehlung noch als ein Angebot oder eine Aufforderung zum An- oder Verkauf von Finanzinstrumenten zu verstehen und sollen auch nicht so verstanden werden. Sie stellen lediglich die persönliche Meinung der Podcastmacher dar. Der Handel mit Finanzprodukten unterliegt einem Risiko. Sie können Ihr eingesetztes Kapital verlieren. Und: Bewertungen bei Apple (oder auch Spotify) machen mir Freude: http://www.audio-cd.at/spotify http://www.audio-cd.at/apple Du möchtest deine Werbung in diesem und vielen anderen Podcasts schalten? Kein Problem!Für deinen Zugang zu zielgerichteter Podcast-Werbung, klicke hier.Audiomarktplatz.de - Geschichten, die bleiben - überall und jederzeit! 3178 full no Christian Drastil Comm. (Agentur für Investor Relations und Podcasts)

Wed, 10 Jun 2026 12:48:00 +0000 https://jungeanleger.podigee.io/3175-wiener-borse-party-1174-atx-schwacher-polytec-gesucht-auf-der-suche-nach-innio-losung-und-ein-hallo-an-frauenthal f781c8d240c71de8ae0e04b0d661329e Die Wiener Börse Party ist ein Podcastprojekt für Audio-CD.at von Christian Drastil Comm.. Unter dem Motto „Market & Me“ berichtet Christian Drastil über das Tagesgeschehen an der Wiener Börse. Inhalte der Folge #1174: - ATX schwächer - Polytec gesucht - PIR-News: RBI mit Addiko-Zwischenstand, Research zu wienerberger, Erste Group, Aktienkäufe bei Bajaj Mobility, News zu Reploid, Novomatic - das derzeitige Innio-Problem - Harald Sükar läutet die Opening Bell für Mittwoch. Der Ex-Chef von McDonalds Österreich und Sparringpartner für KMUs ist auch begeisterter Hobbymusiker und Remixer. More to come - Vintage: Frauenthal, Post - Börse Frankfurt mit DAX im Minus, aber 2x Fresenius im Plus - mehr dazu im Podcast bzw. in einem Trial unter https://www.boerse-express.com/suche?search=drastil Links:  - WM Songs: http://www.audio-cd.at/music - Börsepeople Philipp Pölzl: http://www.audio-cd.at/people - Fanboy-Fundraising: http://www.christian-drastil.com - Stockpicking Österreich: https://www.wikifolio.com/de/at/w/wfdrastil1? - Austria 30 Private IR: https://www.wikifolio.com/de/at/w/wf00atat30 ATX aktuell: https://www.wienerborse.at/indizes/aktuelle-indexwerte/preise-mitglieder/??ISIN=AT0000999982&ID_NOTATION=92866&cHash=49b7ab71e783b5ef2864ad3c8a5cdbc1 Die täglichen Folgen der Wiener Börse Party (Co-verantwortlich Script: Christine Petzwinkler) sind 2026 präsentiert von der Deutsche Börse Xetra https://live.deutsche-boerse.com/xetraplus . Infos zum Jingle: https://audio-cd.at/page/podcast/7326 Risikohinweis: Die hier veröffentlichten Gedanken sind weder als Empfehlung noch als ein Angebot oder eine Aufforderung zum An- oder Verkauf von Finanzinstrumenten zu verstehen und sollen auch nicht so verstanden werden. Sie stellen lediglich die persönliche Meinung der Podcastmacher dar. Der Handel mit Finanzprodukten unterliegt einem Risiko. Sie können Ihr eingesetztes Kapital verlieren. Und: Bewertungen bei Apple (oder auch Spotify) machen mir Freude: http://www.audio-cd.at/spotify http://www.audio-cd.at/apple Du möchtest deine Werbung in diesem und vielen anderen Podcasts schalten? Kein Problem!Für deinen Zugang zu zielgerichteter Podcast-Werbung, klicke hier.Audiomarktplatz.de - Geschichten, die bleiben - überall und jederzeit! 3175 full no Christian Drastil Comm. (Agentur für Investor Relations und Podcasts)

I listened to every album by mathcore band Botch. Made up of musicians who would go on to form Minus the Bear, Russian Circles, and Sumac, Botch was a brutal and excitingly technical band. A must listen for fans of Dillinger Escape Plan, Coalesce, or just rad heavy music in general.   Intro 00:00 How They Formed 3:26 Unifying Themes Redux 5:25 Matt Bayles 12:39 American Nervoso 14:43 We Are the Romans 22:56 An Anthology of Dead Ends EP 28:36 The Reunion 34:15 Outro 35:30   ---------------------------------------------------------------------------------------------------------- My Top 77 Album Recommendations: https://every-album-ever.kit.com/0ee90183d0   Join the Patreon, it rules: https://www.patreon.com/everyalbumever   Mike's music: Pander Monkey on Bandcamp, Spotify, Apple,   Mike on Instagram @pandermonkey Tom on Instagram @tomosmansounds   Tom Osman's stuff: Music on Spotify, Apple, Website Podcast on Spotify, YouTube   ----------------------------------------------------------------------------------------------------------   Mike's Picks: We Are the Romans (1999) -- Best Album, Personal Favorite Unifying Themes Redux (2002) -- Worst Album, Least Favorite

Successful 'Stros Weekend of Baseball! Until.. BURROWS! + Texans Mandatory Mini Camp Begins! + Ron The Show & Another Cheap Moment; + NBA Finals Head Back to NY with the Knicks Up 2-0! Is it All but OVER?!

Keith talks with data-driven investor Neal Bawa, the "mad scientist of multifamily," about why apartment values have dropped 20%–30% while single-family prices have stayed resilient.  They break down how interest rate shocks, the homeowner lock-in effect, and a wave of new multifamily supply are reshaping returns for today's investors.  Keith and Neal also dissect the build-to-rent model—who it really serves, how apartment oversupply is pressuring its rents, and why pending legislation could upend the space.  Neal closes with a specific, data-backed timeline for when multifamily rents and values may finally turn the corner, giving listeners a concrete roadmap instead of vague market guesses. Resources: Grocapitus Website - https://www.grocapitus.com Multifamily U's Free eBook: Location Magic - https://multifamilyu.com/lp/location-magic-ebook/ Multifamily U's Investor Club – https://multifamilyu.com/club Episode Page: GetRichEducation.com/609 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. The single-family real estate market is steady, but with apartment building values down 20 to 30% since 2022 when will the multifamily Armageddon end? We ask our qualified guest, and how will slowing birth rates in immigration affect real estate? And more today on Get Rich Education. You know, Mid South Home Buyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock homes helps multifamily owners exit the operator grind, whether it's your six plex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre That's F L O C K homes dot com slash G R E.   Neal Bawa  2:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:29   Welcome to GRE from Valencia, Spain to Valencia, California, and across 188 nations worldwide. America's favorite shaved mammal on a microphone is back with you for another wealth building week. I'm Keith Weinhold, and you're listening to Get Rich Education. The world's biggest problems are the world's biggest businesses. That's not a coincidence, and that's why we discuss housing here. And there's been a chronic shortage of affordable housing last month at a commencement speech, Harrison Ford, yes, the guy that played both Han Solo and Indiana Jones, talked about how a fulfilling life has both passion and purpose. Passion is what gets you out of bed in the morning, purpose is what helps you sleep at night, you and I. We can bring this mindset to our lifestyle, to the business we do, and to our investing. Treating tenants well is what helps real estate investors sleep well at night. While we're doing well, we can be doing good too. Multifamily syndicators keep failing, going out of business, and losing all of their investors' money due to mortgage rate resets. It just keeps happening. What this really means, that these groups that pooled together investor money to buy apartment buildings, largely that were set up in 2022 and earlier keep blowing up almost fully due to the fact that interest rates reset higher. Some of them had a fixed rate for five years. Well, rates spiked four years ago, and that's why a lot of them have yet to blow up, and these apartments have lost so much value that no one will refinance them, you know. Even if that apartment operator increased the net operating income over the years, even if rents went up, it doesn't matter. So, you still haven't heard the last of it. Do you remember a couple years ago, when a lot of people in the apartment space, they were saying just stay alive till 25 and that nonsense, like if you keep your head above water until 2025 oh well, then rates are certainly going to fall, and everyone's going to be okay. Well, 2025 is long gone.    Keith Weinhold  5:01   Mortgage rates haven't fallen in any significant way, so that survive until 25 thing or whatever mantra derivative people used that was a farce, like I've said on the show here for years. You cannot predict interest rates, so I didn't make the call that they were going to go up or down at all, because you can't predict them, but so many people said, oh, rates will fall substantially by now, no way, you just can't make that assumption, you've got to take history over hunches, and all of that, a lot of those multifamily deals 100% depended. depended on refinancing at favorable rates, and that's exactly why they failed. A surefire way to look foolish is to predict interest rates. We'll talk more about the multifamily Armageddon with today's guest. I also want to get into what's called the 21st century road to housing act, because that became one of the most hotly debated housing policy provisions this year. And what this is, is a Senate bill, and it would require certain large institutional investors that develop these bills to rent single family communities. It would force them to sell those homes to individual buyers within seven years. So, in other words, what a big firm could do is build a neighborhood of rental homes, lease them for up to seven years, but they couldn't hold on to them any longer than that. They couldn't hold them indefinitely as rentals, this bill is not aimed at you, the individual investor. It is aimed at big institutions, and what I mean by that is that's generally defined as owning 350 or more homes. That's what we're talking about here. Small landlords and mom and pop investors are not the target, it targets corporate portfolios, and this means groups whose names you've probably heard of, like Blackstone, First Key Homes, Progress Residential, and Invitation Homes. They are some of the heavyweights that the government is looking to clamp down on, so whenever you hear someone talk about big Wall Street landlords, that is who they're talking about. Now, some groups are pretty worried about the 21st Century Road to Housing Act, like the NHB, that's the National Association of Home Builders, and a lot of multifamily groups are concerned, and why is that? Well, the effect is it could dramatically reduce new housing production.   Keith Weinhold  7:44   See, a big institution like First Key Homes or Blackstone, they wouldn't want to even get into this business anymore. They wouldn't want to build big build to rent communities anymore if they have to sell them all within seven years. See, they want to buy and hold for the long term, kind of like what you and I are doing, because you and I know that owning a group of selective buy and hold single family rentals is a really profitable place to be, but so if they don't want to build, then that creates a reduction in supply, which could make prices go up, and then obviously hurt those trying to afford their own home. Well, that would defeat the purpose of this whole thing. I mean, my gosh, this always seems to happen when government gets involved. So, the 21st Century Road to Housing Act could limit supply, which is the exact opposite of its intent to get first-time home buyers into their first home, and if this passes, it does have bipartisan support. This lower supply, then yes, indeed puts upward pressure on prices. Just amazing. So then it could actually go on to help the everyday mom and pop investor, like you and I, that already owns property, the individual at last check, though they're looking to pass a version that still restricts some of these giant institutions from getting into build to rents, but yet it does not have that seven year sale requirement. What's really important to remember here is that Washington, they're looking to stifle big Wall Street players from the rental market, which could reduce supply. They're not targeting individual investors. The context that's important is that these groups, they own 10s of 1000s of homes, they don't own hundreds of 1000s, and they don't own a million, so it's a really small percentage of the housing market, whatever direction policy breaks, then the headlines that it creates are just greater in magnitude than the effect on the market is. It's an important frame of reference here. Let's meet this week's guest. This week we're welcoming back a guest that we haven't heard from in a year or two in real estate circles. He is popularly known as the mad scientist of multifamily. He's quite an in-demand speaker. He has a $500 million multifamily portfolio that he essentially shares with over 1300 investors. He's sharp, a good educator, and a straight shooter. That's why he's here. It's a warm welcome back to Neal Bawa.   Neal Bawa  10:32   Thanks for having me on the show again. It's delightful to be here, and so many interesting things to talk about in the world these days.   Keith Weinhold  10:38   There really are.. I don't know if we can get it all in, Bawa is spelled B A W A. Neal, I want to get to your future housing market outlook later. How you think the future looks, including when multi families quasi Armageddon might end. But first, you're known as a data driven real estate guy. Tell us about that, and how being data driven makes you profitable.   Neal Bawa  11:03   I see concern, and I'll tell you why. The single family and multifamily market have been atrociously incredibly divergent since the first quarter of 2022 They have not tracked yet each other at all, even though if you look at the last 50 years, they tend to track each other. So you know, 2008 was a Armageddon for single family, Armageddon for multifamily, and they both sort of came up in 2012 2013 and then they had a really good time until Covid.   Keith Weinhold  11:30   Yeah,   Neal Bawa  11:31   but the second quarter of 2022 is when Fed started raising rates, and since then we've sort of slid - multifamily has gone down in terms of pricing between 20 and 30% depending upon the metro, you know, and depending upon whether it's new construction, new construction assets have gone down more than 30% and existing assets that are filled up have gone down by 20 to 30% depending upon the metro. So, metros that have a large amount of supply, closer to 30% decline in value, the metros that have less supply probably closer to 20% decline in value, right.   Keith Weinhold  12:03   Demand demand has been pretty resilient. It's more of a supply story.   Neal Bawa  12:06   It's a huge supply story, right. So, if you look at, you know, occupancy, essentially what's happened is there was so much supply that came in that really people started on those projects in 2022 maybe they didn't start a construction until 2023 they didn't finish construction until 2025 so they started leasing up in 2025 They had to give offer concessions two months, sometimes three months free, and so that pushed down the rents in 2025. And they're not done, because you typically can't rent an apartment in six months. If it's brand new, it's going to take you about 18 months to rent it, and sometimes 24 months, and so it's affected our rents in 2025 it's affecting our rents in 2026. Now it's unlikely to affect it in 2027 but we'll go there, you know, at a later stage. But at the moment, we, what we've seen is negative rent growth in the United States for multifamily for the last 12 to 15 months, and what I think is going to be negative rent growth in Q of this year and Q2 of this year, so Q1 was negative, Q2, which we are in now, is likely to be negative or flat now. Single family, on the other hand, has gone in a different direction, which has been very difficult to understand, and I believe it's taken me a while to really understand this, but I think I've finally figured it out. Single family prices are not down since 2022 which makes no sense at all, because the average mortgage in the United States today is almost double, almost double, not quite double, but almost double of what it was in at the beginning of 2022 when interest rates were about 3.3 3.4% Right now we're sitting around, you know, six and a half percent interest rates, so not quite doubled interest rates, but they've obviously gone up a fair bit, and as a result, your average, you know, mortgage has almost doubled, but home prices haven't dropped, which makes no sense if you really think about it, because home prices are a factor of demand, and they're also a factor of people's ability to pay, so if all of a sudden within four years you're paying, the mortgage is doubled, then less people are going to be able to buy, but it stayed up, the market has stayed up, and the biggest reason it stayed up is because of what is known as the lock-in effect. So, the US market typically has a million new homes every year, and there's more than a million existing homes that are transacted, right? So, it's an open market, it's a perfect competition market, but it hasn't been perfect competition for the last four years, because so many people locked in ridiculously low interest rates.    Neal Bawa  14:28   Perfect example, in 2021 and 2022 I have a 15 year mortgage at 1.75% If I sell my house back to myself, my mortgage quadruples, quadruples, right, because it goes from 1.75% to six and a half percent, so I can't even imagine even think about leaving my home, right, because it's just such a perfect loan. Most people don't have anywhere near 1.75% but there's lots of people with more mortgages in the 3% three and a half percent, and 4% range that basically can't go anywhere, and because those homes are not coming into the market. The last three years the market has had this unusual not enough supply factor, and that's been keeping prices up. That is ending. That is ending, because what we've been tracking is the percentage of homes in the United States that have low mortgages. Low is simply defined as anything under four and a half percent, and that percentage is going down each quarter, because you know divorces happen, deaths happen, you know people move for jobs, and so every time that happens, that locked in rate goes away, because you sell your home and move on, and so for a while that lock in effect was predominant, it was controlling everything, but as time has gone on, interest rates were higher in 2324 2526 For also almost four years have passed since the rate started going up. So each quarter the percentage of homes in the US that have these low interest rates has slowly moved down, and we're almost back to a normal timeframe.   Neal Bawa  15:53   And this is causing the single family market to not have a conniption, but we're starting to see a balancing of the market, where it's not just a buyer's market anymore, in some places it's actually seller's market, some places it's a buyer's market. So we're now starting to see home prices drop in number of markets in the United States. I can't say that they've dropped in super majors, but we're seeing a flattening out effect of home prices in most metros in the US, and there should be a flattening effect. Just to be blunt, I mean, obviously I own a bunch of single-family homes, so I just wanted them to keep going up for selfish reasons. But if you think about it, we had huge home price growth in like 30 plus percent in number of years, 2021 22 and even 23 and during those years, salaries only went up by two to 3% a year. In one year, they went up by 4% and rents also went up like crazy. There was a 2021 was 15% rent growth year. So, at some point, there had to be an adjustment, and we are in that period of adjustment where single family prices are basically flat on a national basis. Yes, going up in the San Francisco Bay Area because of AI, and going up in a couple other technology-heavy metros because of AI, but otherwise fairly flat, and I don't expect that to change for the next year. So, my forecast is next 12 to 18 months, home prices in the US are going to be flat on a nominal basis, they're going to be down on an inflation-adjusted basis, but you know, because of the Iran, more inflation's three and a half percent, so home prices should go up three and a half percent. So, if they stay where they are, well, they're really dropping three and a half percent.   Keith Weinhold  17:29   Yeah, before this year began, I released our forecast, it was for 2% nominal home price appreciation in the one to four unit space for the US this year, and I still like how that looks. There's so much to unpack with what you just talked about. In my view, there's nothing unusual at all that when mortgage rates rose sharply a few years ago, that home prices rose as well. Why? Because actually, that's what usually happens, which is counterintuitive to most people. In all of our lifetimes, residential real estate prices have only fallen significantly one time, that was around 2008 due to a number of unusual circumstances. The only thing that's a bit different this time is, of course, how fast rates increased in 2022 and 2023 and people wondering if residential real estate prices could still keep up, and they certainly have, but yeah, you brought up this dichotomy, this bifurcation about how the apartment market and the one to four unit space kind of separated from each other in 2022 or 2023 That's what's so interesting.   Neal Bawa  18:36   I do want to point out a couple things, though, and I don't want to be a Pollyanna here and talk about negative stuff, but I think that there's big difference between 2008 and that timeframe and where we are today, and that difference is, and it has multiple parts. Not all of your audience is aware of this. Until about 2012 the United States had very reasonable birth rates. You know, we were one of those countries that had avoided the debacle that Japan, Korea, China, and a number of other countries are seeing South Korea being the absolute worst, where basically they were producing one baby per generation, where you need about 2.2 babies just to kind of keep your population where it is, right, and the US was unusually high in that, and that we were still above that threshold, which meant that our population would continue to grow and not fall. Now, there was two reasons our population was growing: One, we had more than 2.2 babies per household, and second, we had a very significant amount of legal and a very significant amount of illegal or undocumented immigration. Right, so we had both of those pipelines today. All three of those have flipped, so the United States now basically looks like Korea or China or Japan in that every household is producing about one and a half babies, which means that our population growth, which hasn't stopped yet, because it takes a while for these things to catch. Up is likely to stop, like it's, and at some point decline again. Luckily, we're not there yet. The US is a fairly young population, unlike Japan, which is one of the oldest populations in the world. So, it'll, we'll still continue to see population growth, but there is no doubt. And you can ask Chat GPT, right? How has population growth in the United States slowed over the last 20 years.    Neal Bawa  19:22   Make me a graph, and it will make you a very nice graph, and you'll very clearly see there's a slowdown in population growth. The second part is both documented and undocumented immigration. It's my estimate that since this administration took over, somewhere between half 1,000,001 million people have left the United States. Now it's very difficult to get an actual number, as you can imagine. A number of these people were undocumented, so we didn't really know how many there were to begin with. And a number of them, when they left, they also left by an undocumented rate, that you know, path. So we've lost a bunch of those people, and also the people that have stayed in the country, we've lost a number of them in the workforce. Here's a perfect anecdote, Keith. About 33% of the construction workforce in the United States was undocumented, one in three. In Texas, as much as 40%   Keith Weinhold  19:45   Yeah, that's huge.   Neal Bawa  19:45   It's very significant. Number of those people don't show up for work anymore. I don't think they've left the US, at least I don't think so. But they don't show up for work anymore, because that's how they get caught, right. So, what we've seen is that the construction workforce in the United States has become been decimated over the last 12 months, and the impact is much greater in the second half of 2025 than the first half. Why? Because even though they wanted to do ICE enforcement, they just simply didn't have enough agents, enough facilities, enough judges. When the second half of last year, they sort of started catching up on that, hiring more agents, getting more facilities, getting more judges, and so we started to see a real challenge there. I have properties in 10 markets in the US, and what I can say is about seven of those markets, mostly Southern markets, I am beginning to see dropping occupancy related to this phenomenon. I'm seeing a reduction, and so markets like Georgia and Texas, Florida are more hit than my northern markets like Idaho. I haven't seen any impact at all, but these southern markets, multiple properties, multiple metros, I'm seeing this - people, mostly of Spanish, Mexican origin, not renewing leases. I don't know what they're doing. I don't know if they're sleeping in their cars. I don't know if they're basically just, you know, staying with mom or staying with, you know, some other family. But I'm seeing a very, very big pullback in my leases tied to this, and occupancy is dropping in those markets that are heavily Hispanic. And so I'm seeing the impact of that on landlords, but I also know that there's an impact on the US at all, and overall demand on rentals, whether it's single family or multifamily. This is a significant impact, because I don't think that the Republicans are going to make a U-turn on this. I don't want to get political, but you know, stating the obvious.   Keith Weinhold  19:45   Yes, United States had its biggest birth year in 2007 when there were more than 4 million babies born. The average age of the first time homebuyer today is 40 years old. If that holds true, that peak would take place in 2047 And then, yes, to your point about changes in immigration, yes, it sounds like a potentially a reduction in demand with what you're talking about, with some vacancies, and also maybe a reduction in supply when you have fewer construction workers to build these places as well, we're talking about building properties. Neal, I want to talk to you about the build to rent space. Somewhat is build to rent better than traditional real estate? I think that's what we really want to know. And for those that don't know, build to rent means when you construct a property where from day one that construction project is built for a tenant, not an owner occupant. I see a lot of pros and cons there. Can you talk to us about the trade-offs between build to rent and traditional real estate?   Neal Bawa  19:52   Yeah, if you think about it, it's a really terrible word, built to rent, because if you think about the word built to rent should be apartments, right, but actually doesn't mean apartments, right? So, built to rent actually means single family or town homes that were built to rent out, right? And then you're like, why don't they just said built to rent apartments and town homes? Well, you know, was too long an acronym, and we suck at acronyms anyway. But BTR, or built to rent, is essentially building single family or town homes, but specifically building them to rent, and it doesn't include any apartments at all, right? And the reason why the BTR market was growing in the last five or six years is that roughly 18 million American families can no longer afford to buy starter single family homes, you know, and by starter I mean, small old single-family homes. That's how Americans usually started, you know, in their 20s and 30s. They would buy these homes, some of them, but they would fix up, and then they over time, in their 30s, late 30s and 40s and 50s, they would upgrade, and then at starting the 50s, it would flatten out, and then the 60s, they would start to downgrade, right? That's been a typical thing that's happened in America for 56 5070, years. Well, that is, cannot happen anymore. And it broke in 2022 until 2022 It was a normal cycle beyond 2022 because interest rates almost doubled, and the mortgages almost doubled, but the incomes only increased by 10 to 20% There became this orphaned generation of Americans, roughly 18 million families, that simply cannot afford to buy that starter home, and they are now forever renters. They don't know it. They think that they're going to catch up at some point, but five minutes with an Excel spreadsheet, I could prove it to them that they're not going to catch up.    Neal Bawa  25:35   Maybe one in 100 families would see a very large increase in income, and that would result in them catching up, but for the most part, as a group, these 18 million families, they're forever enters as a group that didn't exist before 2021 right. It's entirely because of this outrageous increase in mortgages, while not seeing a drop in home prices, that led to this, and so those orphan families, they actually earn pretty well, so these are families that make 70, 80, $90,000 in mid markets. They make over $100,000 if they're living on the coasts or in expensive markets, and they still can't buy that, you know, starter home. And so they don't want to live in apartments. I have lots of apartments, old ones, new ones, and I want these people to live there, but they don't want to live there, and so they've been looking for an option, and that option has been developers like me building communities of 200 300 townhomes or single family homes with a small little yard, and then basically from day one, instead of selling them, renting them out, and then once you're done renting out the whole community with 200 tenants, then you sell that to an apartment company. You know, there's lots of apartment companies in the US that have 100,000 units. Well, they want to buy these because the turnover is lower. So, what happens is most of these town homes and single-family homes for rent. Families come in, and they typically rent for three to five years before they move, whereas in on my apartments I lose 40% of my tenants each year. So, if I have 200 tenants, I lose 80 of them every year, and I have to basically go back, clean up those units, deal with the vacancy. But when I have townhome communities like my Idaho Falls townhome community. I lose a tenant at roughly every four years, and so, as you can imagine, profitability goes up when turnover goes down, right?   Neal Bawa  27:31   Because you don't have that cost of turnover and vacancy, and so eventually those large landlords that are holding 100,000 units figured out, I like this, what Neal Bawa is doing, he's building these 200 townhomes, I want to buy these from him when they're rented. I don't want to build them, I don't want to lease them up, I just want to buy them when they're stabilized. And so BTR became that name for that marketplace where developers would build townhomes and single families, rent them out, and then sell them to institutional, and it was some—   Keith Weinhold  27:56   People think of fabulous institutionalization of the starter home.   Neal Bawa  28:00   And in many ways it is, because what happened is, for a while, these institutional players, like Blackstone and BlackRock, they were like, we are just going to go out and buy 50,000 single-family homes, and that's going to be the institutionalized. Well, that worked really well if you bought in 2008 2009 2010 2011 because you got them bought them at a discount, but when they started buying them in 2015, 16, 17, 18 at ever higher prices, they didn't make any money. So the vast majority of these public funds that were created to buy large amounts of single family have failed if they've purchased anything in the last seven or eight years. If they bought before that, they made huge amounts of money. Family homes are so expensive that basically buying them for rental did not make sense, so these companies have now pivoted to saying we'll only buy communities that have 100 or 200 or 300 of these homes, because then we get the benefits of having centralized leasing, centralized property management, centralized maintenance, and I don't have homes spread all over the metro, they're all in one place, and I can make more profit from that. In theory, that's been good, and you might think that I'm bullish on BTR, but I'm actually today bearish on BTR for one single reason. About seven months ago, Republicans started talking about a bill - I don't know what the name of the bill is, but what this bill does is it forces builds to rent developers like me within seven years of building the property to sell all of the homes in that property to single family tenants, not to Blackstone, not to Blackrock, but to single family tenants. Hasn't passed yet, but it passed the Senate with an 8910 vote, which means that both Democrats and Republicans wanted to vote for this. If it passes the House, and because Donald Trump himself is very heavily opposed to it, he's made it very clear he doesn't like this. He's a developer, obviously. It hasn't passed the House yet, but if it passes the house, that will destroy the build to rent market. No one will ever build build to rent, because the worst possible thing is I build this, and within seven years I have to actually sell it to individual buyers. If I do that, my banks are going to hate me and not give me loans to build BTR anymore. Obviously, there's going to be some grandfathering to the communities that I'm building now, or maybe even build the ones that I'm building in 2027 maybe grandfathered. It usually is, because you know, Congress never does anything retroactively, and they give you a year or two, but if it passes, it's doomsday for BTR. I hope it doesn't happen, but that's the way it's looking, because it's bipartisan. Bipartisan bills are more likely to pass   Keith Weinhold  30:40   Now for the mom and pop investor, the individual investor build to rents have obvious appeal due to your point about the lower turnover, lower maintenance costs on a new build, lower insurance costs often on a new build, and then there's the tenant appeal to a new build as well, but of course there is that investor downside. I think a lot of investors are aware of their thin initial cash flow that they're going to have on build to rent, but you know, Neal, another downside with build to rent, I think a lot of investors don't look at is, hey, just how many of these things are they building? Are they building 500 of them? Do I have some overbuild risk if I buy into this community that could suppress occupancy and rents for a while.   Neal Bawa  31:21   What we've seen is that when Built to Rent started out in 2017-2018 it was its own asset class. It wasn't competing with apartments, it wasn't competing with single family rentals, it was just its own thing. However, in the last two or three years, as more and more apartments flooded the marketplace, we had a glut. It moved away from that. It basically started getting affected, and the rent started falling, just like any other portion of the market. You know, think of it as three portions of market. There's the built to rent, which I described, you know, brand new single family homes, town homes per rent. There's the apartments, both brand new and existing, and there's the single family rentals, right, which there are millions of. What we are seeing now is it's become one market, right? All of them are affecting each other, and the apartments, which have a huge amount of glut, there's a massive amount of new apartments that have come in in the last two years, are really pushing the rents down for single family, they're pushing that rents down for BTR. So, at this point, what I would say to people that have this concern, Keith, is simply look at incoming apartment supply, because if you're in a marketplace, and I'll give you examples of really good markets that are crushed right now. If you're in a market that has a lot of incoming supply, whether you buy a single family rental, a quadplex, a 50 plex that's an apartment, or 100 unit BTR, you're going to suffer for rent growth if you have a lot of incoming supply in 2026 and that is across the board in every market in the US. Huntsville, Alabama is, in my opinion, one of the most interesting markets in the US for 5 year, 10 year growth, right?    Neal Bawa  32:54   If I had to say you don't need a loan, it's just your own cash, no investors, where would you put money in? It would be at the top of my list, not at the very top. Idaho Falls is definitely the number one market in the US in my list, but Huntsville is up there. But right now, do you know what rent growth in Huntsville is? Minus 2% negative 2% Why? Because there's 6000 units coming into a market that's, you know, 1/5 or 1/10 the size of Phoenix, right. It's 1/10 the size of Dallas, but it has half the units of Dallas or Phoenix coming in, and so rent growth is negative there. So, what I would say is today absolutely everyone that is an investor should understand that we live in the magic world of AI, and you should be talking with Chat GPT about incoming supply for any market that you're interested in, and using that to make your decisions, because all of these markets merged, BTR, new apartments, old apartments, single family, everything has emerged in the last 24 months, where they're all affecting each other, and if there's too much supply of any one kind, it's affecting all of the other markets, and that's the message that I have. And none of this is like you have to go buy a $25,000 software like Costar today. Chat GPT is your costar.   Keith Weinhold  34:11   You're listening to Get Rich Education. We're talking with the mad scientist of multifamily, Neal Bawa, where we come back, including what he thinks about recovery for the beleaguered multifamily market. I'm your host, Keith Weinhold. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com that's ridgelendinggroup.com    Keith Weinhold  34:56   Let me ask you something: if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 268 66 That's Family 266 866    Speaker 1  36:00   This is the star of the A E Show, The Real Estate Commission. Todd Rollette. Listen to Get Rich Education with my friend Keith Weinhold, and don't quit your daydream.   Keith Weinhold  36:20   Welcome back to Get Rised Education. We're talking with Neal Bawa, a really sharp multifamily syndicator who's also highly data driven. And Neal, tell us more about the beleaguered multifamily market that had those aforementioned problems really cropping up in 2022 and we had a lot of supply and spiking rates. What does it look like for the path to recovery for the US multifamily market?   Neal Bawa  36:45   Luckily, demand is strong, and even though occupancies have dropped, typically the multifamily market, the large multifamily market in the US, tends to be between 95 and 96% occupied. Okay, and right now we're on 93% so that all that incoming supply means that about 7% of our apartments in the US are empty at the moment, we're trying to fill them, and we are seeing that occupancy drop, not across just new apartments that are leasing up, but also drop in class B and class C. We've also seen a huge increase in concessions, so I studied this quite obsessively, and I can tell you that 2026 in some markets is the recovery year, but not across the board in the United States, and the reason for that is sentiment. Once renters get used to huge amounts of concessions, it's like a drug, it takes a little while before you wean those renters off of those drugs, and so there's that hit right now. Every renter program,   Keith Weinhold  37:44   Everyone wants their freebie for good.    Neal Bawa  37:46   Yeah, exactly. It's like, hey, what, you're not giving me two months free? Hey, what, you're not even offering me one month free? It takes a while for that expectation to happen, because there's such a huge amount of concessions in the US. So, to me, there are a few markets, usually the smaller markets or very fast growing markets, where there's a recovery in 2026 but otherwise 2027 The first half of 2027 is recovery. The second half of 2027 is fast rent growth in a lot of markets. Why? Because remember, interest rates have been high since 2023 A lot of projects were started in 2022 went into construction in 23 came to market in 25 and 26 Lease ups are happening in 25 and 26 By early mid 27 these are all leased up, right? The second half of 2027 there isn't a lot of delivery in any of these big markets, because to deliver in the second half of 27 you would have started construction in that second half of 2025 and I counted those permits market by market. There's just not a lot, because by that time everyone knew that projects were not getting funded, everyone knew that interest rates were high, so there wasn't a lot of supply of new starts in the apartment market in the second half of 25 so there's not going to be a lot of delivery in the second half of 27 and all of the existing stuff would have been leased by then. So 2026 is one of those years where we could still see more concessions in the second half of 2026 I still see rent growth for apartments to be flat. You mentioned single family might be a little bit higher. It tends to be a little bit higher than apartments in terms of rent growth, but I think flat rent growth for 2026 is what I'm projecting. I'm projecting small rent growth in the first half of 2027 for most markets, and then I'm projecting robust rent growth, call it 3% or greater on an annualized basis, in the second half of 2027 and I'm projecting that most markets in the US that are not seeing a population drop, so count out places like Detroit are going to see a very aggressive rent growth, four or 5% rent growth, that's aggressive in our world, in 2028 28 and 29 are shaping up to be. Supply deficit years, years where supply is well under demand.   Keith Weinhold  40:05   It's pretty easy to project completions when you just go ahead and look at starts, and really, what you're counting is the story of absorption.   Neal Bawa  40:14   Yep, and what's nice about apartments is you can actually build a single family home in about nine months, right, but you can't build apartments in less than 24 months. There's just so much permitting issues, there's so many delivery issues, fire code issues, and so we have a crystal ball on the multifamily side that we are now getting better at using. I don't think the industry was very good at this in 2022 but now we're really all obsessed with how many permits does my metro have, and how many permits does my state, and how many permits does the US have? And everyone that I know in the industry that's data driven knows that there's a massive glut now, maybe a little bit of a glutton that remaining portion of 2026 equilibrium in 27 and a huge, huge supply deficit in 28 and 29 So everything that I'm doing is based on this, and this crystal ball actually works because of that two year gap between shovels in the ground and delivery,   Keith Weinhold  41:10   and it sounds like you've recommended Chat GPT as a go-to source for investors to look into these things, that happens to be my favorite one as well, and you are well, maybe it's a bit too much to say, but it almost feels like to me pioneering with the way that you use AI. In fact, I know before our show today you were running some other things in the background that made me wonder, hey, am I talking to the real Neil or the clone Neil? I know I've got the real Neil here, but why don't you tell us about how you're using AI to make data-driven decisions in real estate?   Neal Bawa  41:40   Sure, so the first thing is that we've completed our journey with the low hanging fruit of AI. Every single person in our company is fully trained on how to use Chat GPT. Most of our research-related processes are automated. For example, 100% of our investor updates are now written by Chat GPT. What we do is we go into our property manager meetings on Mondays or Tuesdays sit down with them, beat them up, and the transcript is then taken by our team in the Philippines. They take that transcript and put it into a pre-trained Chat GPT string, it's called a custom GPT, and the string took a while to train, but now that it's trained, all it needs is a transcript. We just copy paste it in, we don't give it any instructions, and it outputs a really wonderful investor update, right. And so our updates for our investors are 99% written by AI. Of course, we'll go in and add our comments at the end of the process. So we've automated investor updates, rent comps, so you know if we are underwriting a new property today, what we do is we simply go into a Google file and copy paste the address and hit enter roughly once a minute. A software, which is written by AI - we're not coders, but the software knows how to write code - it checks the file, if it sees a new address, it goes in there, grabs the address, and then it basically goes to apartments.com rent.com realtor.com and all of these places, and checks the rents for this particular property in two mile radius. It eliminates all the ones that don't match, like you don't want to match the rents of a 1970 or 80s built property with a brand new 25 built property. Those are not comps, it's not comparable. So it basically is very careful, it keeps a radius range of two miles, and also basically is a property of the same kind, you know, like it never matches up a three story property with a 10 story property. Those don't match, one of them obviously is more of a central business district or downtown sort of thing, and so it basically grabs all of those rent comps and then puts them into a file and posts in a Slack channel. Usually it takes it about 1213 minutes to do that, and so whoever put that address in about 12 minutes later goes into the Slack channel and says, "Hmm, these are all my rent comps, right? And boom, now you're basically, you have all these ready rent comps. So, what we've done is, we've automated a significant portion of what we are doing with both our property managers and inside the company with acquisitions and things like that, we're also scraping massive amounts of data from the Bureau of Labor Statistics website, which we just couldn't deal with that data before, and building very beautiful, very interactive dashboards. We don't use Chat GPT for that. We find for dashboarding a tool called Claude, which is by a company called Anthropic, is much better, so we have currently over 150 interactive dashboards that Claude has created that update in real time and give us access to data. If anything, I find that we are in this incredible time where decision making has become much easier, as long as you spend time with these tools. So, in our company we have an absolute mandate that no one has broken for the last year. One year per day, people must program, and by programming we mean issuing common language instructions to tools and build dashboards and build software that automates our work. Have we laid off anyone because of this? I mean that. Be the next obvious question. The answer is no, because it's made it easier for us to serve a much larger audience, so it's easier to grow your company. We just are not hiring anyone, and we haven't hired anybody for the last 18 months, so we have a hiring freeze, but at the same time all of our people are employed because they're they're now much more valuable. So everyone in our company is now a programmer, and even though that sounds weird, it's completely true.   Neal Bawa  45:24   Every single person in our company writes code, and they write code by talking with Cloud Code or talking with Chat GPT, and then Chat GPT, of course, does the actual code writing, but people have become very, very good at answering questions and saying, "I want a dashboard like this, turn these radio buttons into drop boxes, and give me the last month, and last three months, and last 12 months, and do this, and do that, and connect this, and I also want to host this on a server, but I want to make sure that only I can see it. I need a password added. Imagine 1000 of these conversations happening in our company every day. Yeah, that's interesting. And what you just described   Keith Weinhold  46:00   there at Gro Capitas is somewhat of a microcosm for what's happening in the broader economy, where we've been in this low high or low fire environment for quite a while. Well, Neal, as we're winding down here, we recently had a new Fed chair come in. It seems incomprehensible to me that there could possibly be any rate cuts. I don't know how we could responsibly make a rate cut with all these inflationary layers. We had the pandemic, and then terrorists, and then the Iran war, and the energy shocks, and all these bottled up supply chains. What are your thoughts with regard to the Fed?   Neal Bawa  46:29   I still think that we'll get one rate cut, and that rate cut will be based on political pressure. So, for the first time ever, I have seen the Fed break into factions, so if you look at the latest Fed meeting, which happened, you know, there was dissent, there were two clear factions, so the Fed is becoming less data driven and more faction driven, and I think that one of the factions, which obviously wants rate cuts to go down, is going to triumph at some point later in the year, but until we get past the incredible increase in inflation because of the Iran war, I don't think that faction is going to win. Right, there's three or four people in that faction, that's not enough votes to get past the others. So I'm predicting no rate cuts until Q4 of this year. If the Fed was entirely logical, there should still not be a rate card in Q4, but I think it'll happen because there's political pressure.   Keith Weinhold  47:25   The preservation of independence is key. Neil Bhawa, this has been great, and a lot of people learn from you. You're a brilliant educator, as well as what you're doing in the multifamily space, and a lot of other places. So, if someone wants to connect with you, learn more about what you do. What's the best way for them to do that?   Neal Bawa  47:43   So we built a website called Multi Family University. It's completely free. There is no subscription. There's no upsell. We do not have an educational product, but what we do is each year we have 8-12 webinars that we create with their extraordinarily good looking thanks to the use of AI. Yay, and we share them with an audience, and usually between 5000 and 1000 people attend our webinars each year, of which roughly 1% become investors with us. The rest, the remaining 99% just continue to get free access to data, and we cover every imaginable real estate topic: Single family, multifamily, industrial hotels, self storage, Airbnb, and even controversial topics outside of real estate, like climate change or impact of climate change and impact of AI. So you know, multifamily university is the best place you can go to, multifamily you.com/club It's a free club, and it's free forever.   Keith Weinhold  48:42   Neal, it's been valuable to our audience. Thanks so much for coming back out of the show.   Neal Bawa  48:46   Thanks for having me.   Keith Weinhold  48:53   Oh, a terrific, wide-ranging chat with Neal. There, yes, this interesting 2022 divergence between single family and multifamily, the slowing birth rate, and how that won't really catch up with real estate in a big way for perhaps 20 plus more years. How single family rentals beat multifamily on the basis of tenant retention, and a lot more that we covered there, and he's got a good data driven timeline for apartments being back in favor by 2027 and 2028 After the interview, Neil and I chatted some more off Mike, and he would like to come back on the show next year. We're probably going to have him, because we have a lot more to talk about at that time. We can see if the multifamily market is really healing. Also, did you pick up on this? I wonder why, for his own home he would get a 15 year mortgage at 1.75% interest, so I'll have to ask him about that. That's surely a fantastic interest rate, but a 15 year loan rather than a 30 year that maybe he could have gotten at two and a half percent at the time. Well, 15 year probably. Is not the best use of capital, because it increases your equity position rapidly. When instead, those dollars could have been out in the market earning an actual return somewhere else. But he's a smart guy, he must have an answer. We can talk about that at that time. We've got a lot of terrific shows coming up here on the GRE podcast, specific learning episodes, where it's just me teaching you, as well as new guests and returning guests too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 2  50:35   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.    Speaker 2  51:03   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.  

In einer EY-Umfrage glauben nur noch 39 Prozent an einen passenden Berufseinstieg, ein Minus von 15 Prozent.

Mon, 08 Jun 2026 11:39:00 +0000 https://jungeanleger.podigee.io/3168-wiener-borse-party-1172-atx-etwas-unter-druck-fit-group-ist-ein-schlagwort-fur-eine-potenzielle-umbennung-des-direct-market-plus 15af7f22247210181bece6fd7d71d172 Die Wiener Börse Party ist ein Podcastprojekt für Audio-CD.at von Christian Drastil Comm.. Unter dem Motto „Market & Me“ berichtet Christian Drastil über das Tagesgeschehen an der Wiener Börse. Inhalte der Folge #1172: - ATX etwas unter Druck - UBM gesucht - kommt eine Umbenennung des direct market plus - neue Aktie für die Wiener Börse, News zu Strabag und Andritz, Aktienkäufe bei Bawag, Research zu Agrana, Reploid auf Messe in Turin - Vintage: Hirsch Servo, Jenbacher - Thomas Bobek läutet die Opening Bell für Montag. Als Head of Private Markets der Erste Asset Management hat er unlängst den Erste Private Markets Evergreen Eltif aufgelegt - Börse Frankfurt mit DAX im Minus, Infineon gesucht - mehr dazu im Podcast bzw. in einem Trial unter https://www.boerse-express.com/suche?search=drastil Links:  - WM Songs: http://www.audio-cd.at/music - Börsepeople Philipp Pölzl: http://www.audio-cd.at/people - Fanboy-Fundraising: http://www.christian-drastil.com - Stockpicking Österreich: https://www.wikifolio.com/de/at/w/wfdrastil1? - Austria 30 Private IR: https://www.wikifolio.com/de/at/w/wf00atat30 ATX aktuell: https://www.wienerborse.at/indizes/aktuelle-indexwerte/preise-mitglieder/??ISIN=AT0000999982&ID_NOTATION=92866&cHash=49b7ab71e783b5ef2864ad3c8a5cdbc1 Die täglichen Folgen der Wiener Börse Party (Co-verantwortlich Script: Christine Petzwinkler) sind 2026 präsentiert von der Deutsche Börse Xetra https://live.deutsche-boerse.com/xetraplus . Infos zum Jingle: https://audio-cd.at/page/podcast/7326 Risikohinweis: Die hier veröffentlichten Gedanken sind weder als Empfehlung noch als ein Angebot oder eine Aufforderung zum An- oder Verkauf von Finanzinstrumenten zu verstehen und sollen auch nicht so verstanden werden. Sie stellen lediglich die persönliche Meinung der Podcastmacher dar. Der Handel mit Finanzprodukten unterliegt einem Risiko. Sie können Ihr eingesetztes Kapital verlieren. Und: Bewertungen bei Apple (oder auch Spotify) machen mir Freude: http://www.audio-cd.at/spotify http://www.audio-cd.at/apple Du möchtest deine Werbung in diesem und vielen anderen Podcasts schalten? Kein Problem!Für deinen Zugang zu zielgerichteter Podcast-Werbung, klicke hier.Audiomarktplatz.de - Geschichten, die bleiben - überall und jederzeit! 3168 full no Christian Drastil Comm. (Agentur für Investor Relations und Podcasts)

Der Iran-Krieg belastet die Börsen, aber längst nicht so stark wie befürchtet. Der DAX holt seine Tagesverluste weitgehend auf und schließt nur leicht im Minus. Gleichzeitig sorgt ein überraschend starker US-Arbeitsmarkt für neue Zinssorgen. Was bedeutet das für Aktien, Anleihen und die hoch bewerteten KI-Gewinner? Tom Gitzel analysiert die Risiken für die Weltwirtschaft. Uwe Eilers warnt vor extremen Bewertungen und zieht Parallelen zu früheren Börsenblasen.

GPS constellations have become foundational in modern society supporting everything from navigation to financial services, making the impacts of GPS disruptions all the more concerning. As reliance on these systems have grown, so too have efforts by threat actors to disrupt them through techniques such as jamming and spoofing. As these attacks have become more effective, they are becoming increasingly common, especially in conflict zones where disruption and confusion can prove exceedingly valuable. Key sources: Information about GPS Jamming What is GPS Spoofing? GPS jamming: The invisible battle in the Middle East Like what you heard? Be sure to subscribe to our free Signals and Space Briefing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, our Sunday newsletter covering the intersection of cybersecurity and space. Subscribe at: https://thecyberwire.com/newsletters/signals-and-space  Is there a topic or person you'd like to hear on our show? You can send your questions and feedback to space@n2k.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. You can also fill our our audience survey: https://www.surveymonkey.com/r/NJYCN2P  T-Minus: Space-Cyber Briefing is a production of N2K CyberWire. N2K is your nexus for discovery and connection for people, technology, and ideas shaping the future of secure innovation. Learn how at n2k.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

In der spanischen LaLiga wird Real Madrid für die schwache Saison, die zum Ende hin von Chaos geprägt war, in Sachen Marktwert deutlich abgestraft. Unter den im spanischen Oberhaus insgesamt 505 neu bewerteten Spielern erhalten 19 von 29 Königlichen im Zuge des letzten Sommer-Updates einer Top-5-Liga eine Abwertung – darunter auch Kylian Mbappé, Vinicius Junior und Jude Bellingham. In der neuen Folge „DONE DEALS – der Transfermarkt-Podcast“ fragt Host Lennart Gens den Marktwert-Koordinator Tobias Kröger über die Gründe der Abwertungen für die Real-Profis.

Fri, 05 Jun 2026 11:12:00 +0000 https://jungeanleger.podigee.io/3162-wiener-borse-party-1171-atx-unverandert-privatanleger-gedanken-zur-b-c-rbi-und-nlb-weiters-hello-again-an-die-omv 1985e2a52306f1ae528cfdb0add6e3e7 Die Wiener Börse Party ist ein Podcastprojekt für Audio-CD.at von Christian Drastil Comm.. Unter dem Motto „Market & Me“ berichtet Christian Drastil über das Tagesgeschehen an der Wiener Börse. Inhalte der Folge #1171: - ATX unverändert - was den Feiertagshandel gestern betrifft, so hab ich mich getäuscht - Privatanleger-Gedanken zur B&C, RBI und NLB - PIR-News: Semperit, Porr - Vintage: Hello again, OMV - Judith Pap läutet die Opening Bell für Freitag. Die Stimme des Kinderradios Radino hat für meinen 20-Jahre-ZFA-Podcast-Countdown die Gründungsmotivation eingelesen. Der Countdown endet kommende Woche nach 20 Folgen und dann kommt der Award - Börse Frankfurt mit DAX leicht im Minus, Scout24 gesucht - mehr dazu im Podcast bzw. in einem Trial unter https://www.boerse-express.com/suche?search=drastil Links:  - WM Songs: http://www.audio-cd.at/music - Börsepeople Franz Schellhorn: http://www.audio-cd.at/people - Fanboy-Fundraising: http://www.christian-drastil.com - Stockpicking Österreich: https://www.wikifolio.com/de/at/w/wfdrastil1? - Austria 30 Private IR: https://www.wikifolio.com/de/at/w/wf00atat30 ATX aktuell: https://www.wienerborse.at/indizes/aktuelle-indexwerte/preise-mitglieder/??ISIN=AT0000999982&ID_NOTATION=92866&cHash=49b7ab71e783b5ef2864ad3c8a5cdbc1 Die täglichen Folgen der Wiener Börse Party (Co-verantwortlich Script: Christine Petzwinkler) sind 2026 präsentiert von der Deutsche Börse Xetra https://live.deutsche-boerse.com/xetraplus . Infos zum Jingle: https://audio-cd.at/page/podcast/7326 Risikohinweis: Die hier veröffentlichten Gedanken sind weder als Empfehlung noch als ein Angebot oder eine Aufforderung zum An- oder Verkauf von Finanzinstrumenten zu verstehen und sollen auch nicht so verstanden werden. Sie stellen lediglich die persönliche Meinung der Podcastmacher dar. Der Handel mit Finanzprodukten unterliegt einem Risiko. Sie können Ihr eingesetztes Kapital verlieren. Und: Bewertungen bei Apple (oder auch Spotify) machen mir Freude: http://www.audio-cd.at/spotify http://www.audio-cd.at/apple Du möchtest deine Werbung in diesem und vielen anderen Podcasts schalten? Kein Problem!Für deinen Zugang zu zielgerichteter Podcast-Werbung, klicke hier.Audiomarktplatz.de - Geschichten, die bleiben - überall und jederzeit! 3162 full no Christian Drastil Comm. (Agentur für Investor Relations und Podcasts)

Problemy mężczyzn w Polsce przestają być niszą i coraz mocniej wchodzą do głównego nurtu debaty o równości. – Myślę, że czas przejść już do następnej fazy, czyli do działań – mówi Michał Gulczyński, współzałożyciel Stowarzyszenia na Rzecz Chłopców i Mężczyzn oraz autor książki „Mężczyźni. O nierówności płci”.Kup subskrypcję „Rzeczpospolitej” pod adresem: https://czytaj.rp.pl

Tim and Matt Barrows discuss Kyle Shanahan canceling next week's minicamp and what that means about how the offseason has gone. Also, final OTA observations.

In dieser Ausgabe sprechen Jan, Ha und Christoph über die Outperformance des BIT Global Crypto Leaders in einem schwierigen Marktumfeld. Während Bitcoin seit Jahresbeginn rund 20 Prozent im Minus liegt, steht der Fonds rund 17 Prozent im Plus. Geholfen haben dabei gezielte Picks in Altcoins mit echter fundamentaler Traktion und Bitcoin-Minern, die ihre Infrastruktur inzwischen als KI-Rechenkapazität vermieten. Der Kern der Folge ist die These, dass sich die Spreu vom Weizen trennt. Als Musterbeispiel dient Hyperliquid: Die dezentrale Handelsplattform ermöglicht inzwischen den Handel von Rohstoff-Futures, fungierte beim Cerebras-IPO als präzises Preisfindungsinstrument und wird von Investmentbanken inzwischen neben dem Bloomberg-Terminal genutzt. 97 Prozent der Protokollgewinne fließen in Token-Rückkäufe, das ist ein Modell, mit dem auch die traditionelle Wall Street etwas anfangen kann. Außerdem erklärt Jan, warum er Privacy für das nächste große Krypto-Thema hält, und Ha ordnet ein, wo der Markt im Zyklus steht: aus dem Winterschlaf erwacht, aber noch weit von euphorischen Niveaus entfernt. Habt ihr Feedback, Kritik oder Anmerkungen? Schreibt uns an beckers-bets@financefwd.com.

Transfermarkt hat die Marktwerte in der wertvollsten Liga der Welt aktualisiert, in diesem Update geht es für die Premier League aber ausnahmsweise mal nicht nach oben. Insgesamt verlieren die 524 neu bewerteten Profis 240 Millionen Euro an Wert, auch für die deutschen WM-Fahrer Florian Wirtz und Nick Woltemade zeigt die Kurve weiter nach unten. In der neuen Folge „DONE DEALS – der Transfermarkt-Podcast“ spricht Host Lennart Gens mit Marktwert-Koordinator Tobias Kröger über die großen Verlierer FC Liverpool und Tottenham Hotspur. William Saliba erreicht eine historische Marke.

Wed, 03 Jun 2026 12:19:00 +0000 https://jungeanleger.podigee.io/3158-wiener-borse-party-1169-atx-etwas-schwacher-polytec-und-bajaj-mobility-selbstbewusst-und-dazu-ein-danke-an-robert-kleedorfer 711f4f4a4109ffcfae44ee41feb0c96a Die Wiener Börse Party ist ein Podcastprojekt für Audio-CD.at von Christian Drastil Comm.. Unter dem Motto „Market & Me“ berichtet Christian Drastil über das Tagesgeschehen an der Wiener Börse. Inhalte der Folge #1169: - ATX etwas schwächer - Verbund gesucht - danke an Robert Kleedorfer - PIR-News: News zu KTM, Polytec, Österreichische Post, UBM/Porr, DO & CO, Raiffeisen Top Picks - Franz Schellhorn läutet die Opening Bell für Mittwoch. Heute ist ein Börsepeople-Podcast mit dem Leiter der Denkfabrik Agenda Austria live gegangen. Eine Klassenkollegin von ihm in der Schihauptschule St. Gastein war übrigens eine gewisse Petra Kronberger - Börse Frankfurt mit DAX ebenfalls im Minus, Energiewerte gesucht - mehr dazu im Podcast bzw. in einem Trial unter https://www.boerse-express.com/suche?search=drastil Links:  - WM Song: http://www.audio-cd.at/music - Börsepeople Franz Schellhorn: http://www.audio-cd.at/people - Fanboy-Fundraising: http://www.christian-drastil.com - Stockpicking Österreich: https://www.wikifolio.com/de/at/w/wfdrastil1? - Austria 30 Private IR: https://www.wikifolio.com/de/at/w/wf00atat30 ATX aktuell: https://www.wienerborse.at/indizes/aktuelle-indexwerte/preise-mitglieder/??ISIN=AT0000999982&ID_NOTATION=92866&cHash=49b7ab71e783b5ef2864ad3c8a5cdbc1 Die täglichen Folgen der Wiener Börse Party (Co-verantwortlich Script: Christine Petzwinkler) sind 2026 präsentiert von der Deutsche Börse Xetra https://live.deutsche-boerse.com/xetraplus . Infos zum Jingle: https://audio-cd.at/page/podcast/7326 Risikohinweis: Die hier veröffentlichten Gedanken sind weder als Empfehlung noch als ein Angebot oder eine Aufforderung zum An- oder Verkauf von Finanzinstrumenten zu verstehen und sollen auch nicht so verstanden werden. Sie stellen lediglich die persönliche Meinung der Podcastmacher dar. Der Handel mit Finanzprodukten unterliegt einem Risiko. Sie können Ihr eingesetztes Kapital verlieren. Und: Bewertungen bei Apple (oder auch Spotify) machen mir Freude: http://www.audio-cd.at/spotify http://www.audio-cd.at/apple Du möchtest deine Werbung in diesem und vielen anderen Podcasts schalten? Kein Problem!Für deinen Zugang zu zielgerichteter Podcast-Werbung, klicke hier.Audiomarktplatz.de - Geschichten, die bleiben - überall und jederzeit! 3158 full no Christian Drastil Comm. (Agentur für Investor Relations und Podcasts)

It's another round of Soccer Over There getting you ready for the World CupWe look at your Cupdates- Iraq, Paraguay, South Africa, Costa Rica, and a stadium update on the Azteca and hat it might cost to get into a suiteWe look at the Panel writings on the Southampton decision and who is in line for the Celtic jobPLUS, PICKS OF THE WEEK!

Die Staatsanwaltschaft hat das Verfahren gegen den Spiritual des Klosters St. Johann in Müstair eingestellt. Laut Staatsanwaltschaft sind einzelne Vorwürfe verjährt, beim Vorwurf der sexuellen Nötigung seien die gesetzlichen Tatbestände nicht erfüllt. Weitere Themen: · Beim Einheitsticket auf dem Bodensee ist man laut einer Mitteilung der Parlamentarischen Bodenseekonferenz auf einem guten Weg. Ende Juni soll ein erster Vorschlag für das Ticket vorliegen. · Die Sprachenorganisation Lia Rumantscha trennt sich von Generalsekretär Markus Solinger. Man sei bezüglich der Zukunft der Organisation nicht einer Meinung, heisst es in einer Mitteilung. · Die Thurgauer Stadt Kreuzlingen schliesst das Jahr 2025 besser ab als budgetiert. Es gab ein Plus von 112 000 Franken, während ein Minus von mehr als 5,5 Millionen Franken budgetiert wurde. · Im Thurgauer Freizeitpark Conny-Land wird eine neue Achterbahn gebaut. Sie wird rund 20 Millionen Franken kosten. Die ersten Testfahrten sind für den nächsten Frühling geplant. · Der Spieler des St. Galler Clubs TSV St. Otmar, Max Höning, wird Trainer beim SV Fides. Er wird weiterhin auch für St. Otmar spielen.

Since its original creation in the 1970s, GPS has evolved from a technology primarily used by the military to a foundation for modern society.  After the removal of selective availability for civilians in 2000, GPS's value has significantly expanded. In the past two decades, nearly every critical infrastructure sector–telecommunications, transportation, energy, agriculture, emergency services, and financial services–relies on GPS constellations to ensure that timing and location accuracy are precise. Though many do not see its utility in day-to-day efforts, GPS has become entrenched in modern networks and services. Key sources: Removal of selective availability. Satellite Navigation - GPS - How It Works. What can GPS do? Like what you heard? Be sure to subscribe to our free Signals and Space Briefing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, our Sunday newsletter covering the intersection of cybersecurity and space. Subscribe at: https://thecyberwire.com/newsletters/signals-and-space Is there a topic or person you'd like to hear on our show? You can send your questions and feedback to space@n2k.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. You can also fill our our audience survey: https://www.surveymonkey.com/r/NJYCN2P T-Minus: Space-Cyber Briefing is a production of N2K CyberWire. N2K is your nexus for discovery and connection for people, technology, and ideas shaping the future of secure innovation. Learn how at n2k.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

From '49ers Plus Minus' (⁠Subscribe Here)⁠:Tim and Matt Barrows review the standouts from the first open OTA and the podium sessions from Nick Bosa, Christian McCaffrey, Dre Greenlaw and Colton McKivitz.

On this episode of The 3DO Experience we return to the Army Men series once again, this time to discuss the first entry in the World War sub series!Check Out Call of Duty: Thrak Ops: https://superpodnetwork.com/podcast/call-of-duty-thrak-opsProud member of ⁠⁠⁠⁠https://superpodnetwork.com/⁠⁠⁠⁠Follow us at: https://linktr.ee/ThebarberwhogamesFollow Thrak at: https://bsky.app/profile/thrak.bsky.social

Die Wirtschaftsweisen senken ihre Wachstumsprognose auf 0,5 Prozent für dieses Jahr – gegenüber dem letzten Jahresgutachten ein Minus von 0,4 Prozentpunkten. Warenexporte sinken das dritte Jahr in Folge, private Investitionen sind rückläufig. [01:43]H.R. McMaster, ehemaliger nationaler Sicherheitsberater in Trumps erster Amtszeit, sieht die transatlantische Partnerschaft nicht am Ende: Die große Mehrheit der Amerikaner stehe hinter dem Bündnis, und Deutschland gewinne durch seine Verteidigungsausgaben an Gewicht. Den Abzug der 5.000 US-Soldaten hält er für eine schlechte Idee.Die Verstimmungen zwischen Donald Trump und Friedrich Merz aber würden nicht von Dauer sein. Trump werde nicht ewig wütend sein: „I think he's going to stay angry for another couple of weeks and then it'll get better." [10:13]In München beginnt Manfred Webers Brief seine Wirkung zu entfalten: Der Brief habe denen eine Stimme gegeben, die sich öffentlich noch nicht trauen, Söder zu kritisieren. Spekulationen gibt es auch um Henrik Wüst. [05:14]Table.Briefings - For better informed decisions.Sie entscheiden besser, weil Sie besser informiert sind – das ist das Ziel von Table.Briefings. Wir verschaffen Ihnen mit jedem Professional Briefing, mit jeder Analyse und mit jedem Hintergrundstück einen Informationsvorsprung, am besten sogar einen Wettbewerbsvorteil. Table.Briefings bietet „Deep Journalism“, wir verbinden den Qualitätsanspruch von Leitmedien mit der Tiefenschärfe von Fachinformationen. Professional Briefings kostenlos kennenlernen: table.media/testenHier geht es zu unseren WerbepartnernHol dir deine persönlichen Daten mit Incogni zurück und hol dir 60 % Rabatt auf ein Jahresabo: https://incogni.com/tabletodayImpressum: https://table.media/impressumDatenschutz: https://table.media/datenschutzerklaerungBei Interesse an Audio-Werbung in diesem Podcast melden Sie sich gerne bei Laurence Donath: laurence.donath@table.media Hosted on Acast. See acast.com/privacy for more information.

Despite being an indispensable technology, traditional GPS remains vulnerable to exploitation and is needed for an update. In this week's episode, host Maria Varmazis sits down with Dr. Sean Gorman, CEO of Zephr.xyz, to discuss the current state of GPS. For decades, GPS has been a cornerstone technology for private, public, and military entities; however, through new technological advancements, companies and governments are looking to modernize this technology. Key sources: Next Generation Operational Control Systems. Why GPS III, and what comes after it, still falls short in modern war. Like what you heard? Be sure to subscribe to our free Signals and Space Briefing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, our Sunday newsletter covering the intersection of cybersecurity and space. Subscribe at: https://thecyberwire.com/newsletters/signals-and-space⁠  Is there a topic or person you'd like to hear on our show? You can send your questions and feedback to space@n2k.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. You can also fill our our audience survey: https://www.surveymonkey.com/r/NJYCN2P T-Minus: Space-Cyber Briefing is a production of N2K CyberWire. N2K is your nexus for discovery and connection for people, technology, and ideas shaping the future of secure innovation. Learn how at n2k.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Minus tides, the sound of songbirds, ravens nesting, and bees! Summer appears to be just around the corner on Kodiak Island and just in time for the Crab Festival. Life on Alaska's Emerald Isle, Kodiak!

Sponsor Link:To check out our special money saving deal and upgrade your online security with NordVPN - Click HereSpaceX came agonisingly close to launching the most powerful rocket ever built in its newest configuration — but a technical halt at T-minus 40 seconds sent Starship V3's debut back to the drawing board, with another attempt window opening this evening (6:30–8:00 p.m. EDT). Anna and Avery dig into what went wrong, what makes V3 different, and the stunning announcement buried in the webcast: a named commander for humanity's first crewed Mars flyby mission. Plus: JWST rewrites exoplanet atmospheric science with unexpected ice clouds on a distant super-Jupiter, researchers map a mysterious magnetic 'flip' inside the Milky Way, and Rocket Lab launches from New Zealand.Links & Further Reading •       Starship Flight 12 live updates: space.com •       SpaceX launch webcast (tonight): spacex.com •       Chun Wang Mars announcement: universetoday.com •       JWST Epsilon Indi Ab paper (ApJL): doi.org/10.3847/2041-8213/ae5823 •       Milky Way magnetic field study (ApJ): doi.org/10.3847/1538-4357/ae28d1 •       Rocket Lab Viva La Strix mission: rocketlabusa.com •       Astronomy Daily website: astronomydaily.ioBecome a supporter of this podcast: https://www.spreaker.com/podcast/astronomy-daily-space-news-updates--5648921/support.Sponsor Details:Ensure your online privacy by using NordVPN. To get our special listener deal and save a lot of money, visit www.bitesz.com/nordvpn. You'll be glad you did!Become a supporter of Astronomy Daily by joining our Supporters Club. Commercial free episodes daily are only a click way... Click HereThis episode includes AI-generated content.

Did you know that 50% of us have a family member or friend who has some kind of criminal record? It’s the unspoken secret not many of us know how to negotiate–largely because of the shame, confusion, and hurt that goes along with it. What happens to the families left behind when someone goes to prison? In this eye-opening conversation, I sit down with Heather Rice-Minus, CEO of Prison Fellowship, to talk about incarceration, shame, second chances, and the transforming power of Jesus. Heather shares powerful stories of hope, restoration, and what it really looks like to walk alongside people impacted by prison. We talk about the misconceptions many Christians have about incarceration, how churches can better support hurting families, and why no one is beyond redemption. This conversation challenged me deeply, and I think it will encourage you, too. And remember, I'd love to connect more on Instagram, where you'll find me at @donnaajones. And don’t forget to subscribe so you don’t miss a single episode! Xo, Donna Key Takeaways: 0:01:12 - Unexpected Calling to Prison Ministry 0:05:55 - Prison Fellowship’s 50-Year Mission 0:09:00 - Angel Tree: Serving Children of the Incarcerated 0:16:49 - Shattering Shame and “Us vs. Them” 0:22:31 - What Actually Works: Deep Discipleship & The Academy What We Talk About Heather’s unexpected journey from law school to prison ministry The incredible origin story of Prison Fellowship and Chuck Colson How incarceration impacts entire families, not just the individual behind bars The life-changing impact of Angel Tree for children with incarcerated parents Shame, silence, and why so many families suffer alone Common misconceptions Christians have about prison ministry What true rehabilitation and transformation really require The importance of discipleship, accountability, and community How churches can become places of restoration and welcome Practical ways listeners can get involved and make a difference What Actually Helps People Change Heather shared several key elements that lead to lasting transformation for incarcerated individuals: Consistent Discipleship Real change takes time, accountability, and spiritual growth—not one emotional moment. Healthy Community People need relationships that model integrity, restoration, and healthy living. Biblical Worldview Replacement Criminal thinking patterns must be replaced with truth, purpose, and identity in Christ. Long-Term Investment Transformation happens through sustained support, mentoring, and coaching. Second Chances Rooted in Grace The Gospel reminds us that no person is beyond redemption. Donna’s Resources: Order a copy of my latest book - Healthy Conflict, Peaceful Life: A Biblical Guide to Communicating Thoughts, Feelings, and Opinions with Grace, Truth, and Zero Regret. It is available anywhere books are sold– here is the link on Amazon. If you need a helpful resource for someone exploring faith and Christianity or simply want to strengthen your own knowledge, you’ll want a copy of my book, Seek: A Woman’s Guide to Meeting God. It’s a must for seekers, new believers, and those who want to deepen their confidence in their faith. Connect with Heather: Website: https://www.prisonfellowship.org/ Facebook: https://www.facebook.com/PFMinistries Instagram: https://www.instagram.com/prisonfellowship/ Let’s Connect: Instagram: @donnaajones Website: www.donnajones.org Donna’s speaking schedule: https://donnajones.org/events/ Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Host Carter Yates and senior writer Mike Craven discuss the burning questions for every Power Four team in Texas. (INTRO – 12:45) Will the Will Muschamp hire work at Texas? (12:45 – 18:30) How good is Marcel Reed? (18:30 – 24:45) What's Texas Tech's ceiling if Sorsby is ineligible? (24:45 – 29:30) Does DJ Lagway have weapons around him at Baylor? (29:30 – 36:30) What version of Makhi Hughes does Houston get? (36:30 – 39:30) Can TCU cut down on turnovers and increase its rushing output? (39:30 – END) Can SMU's homegrown recruits turn into proven playmakers? Learn more about your ad choices. Visit megaphone.fm/adchoices

From '49ers Plus Minus' (⁠Subscribe Here)⁠ Tim and Matt Barrows discuss Barrows' interview with 49ers VP Tariq Ahmad about last month's draft class. Also, should the 49es close the offseason by signing Joey Bosa?

Same-day expiration action dominated the tape as traders piled into TSLA, NVDA, AMD, AAPL, AMZN, MSFT, GOOGL, MU, INTC and POET. On this episode of The Hot Options Report, Mark Longo breaks down the hottest contracts, aggressive upside bets, Nvidia positioning ahead of earnings, Tesla leading volume, and today's MA 200 Minus scan featuring names breaking below their 200-day moving averages. Get more scans and analytics at TheHotOptionsReport.com.

Few quick things. First, I forgot to record the second half of the show. My bad. It's a short show and the ad is awkwardly placed. Second, It gets heated early. But we get passed it quick. And I came to an obvious epiphany; it's not that we all have opinions that differ that greatly, it's that it's all so fucking boring. Politics has ruined this show. And many others. But I can't control other shows. We used to shoot the shit and talk shit, and that was it. It was mostly lighthearted banter. And most important, it was fun! Politics ruins that. It takes all the fun out of the show. And to make matters worse, it's Canadian politics lately. I'm Canadian and it bores me to no end. I can't imagine being a listener from abroad and having to listen to three guys bitch about local politics. BOOOOOORRRING! Trust me when I tell you that the second hour that didn't get recorded (of course) was great! We all laughed and got along and it was great! Minus me not pressing the fucking button. Third, and probably most important, our boy Tyler, the man behind many of our jingles, hit a little bit of a bump in the road this week when he was forced out of his home. He has a very achievable GoFundMe to help him get a new place quick. If you can, head over and drop him a couple bucks! https://gofund.me/c5b4d11e7 Enjoy! The Joe Rogan Experience Experience is sponsored by BetterHelp. Give therapy a try at betterhelp.com/jree and get on your way to being your best self!

For years, in-space internet capabilities were rarely worth the hassle. Now, that's changing. In today's episode, Maria Varmazis and Ethan Cook sit down to discuss how internet data moves through space systems and its recent advancements. For decades, GEO satellites made up most of the marketplace; however, LEO satellites are changing the landscape improving connectivity and speeds. Key sources: In-space relay and WiFi services. Space Development Agency On Orbit. Like what you heard? Be sure to subscribe to our free Signals and Space Briefing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, our Sunday newsletter covering the intersection of cybersecurity and space. Subscribe at: https://thecyberwire.com/newsletters/signals-and-space  Is there a topic or person you'd like to hear on our show? You can send your questions and feedback to space@n2k.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. T-Minus: Space-Cyber Briefing is a production of N2K CyberWire. N2K is your nexus for discovery and connection for people, technology, and ideas shaping the future of secure innovation. Learn how at n2k.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Katherine Massey Book Club @ The C.O.W.S. hosts the 5th session on Michelle Alexander's The New Jim Crow: Mass Incarceration In the Age of Colorblindness. Alexander is a non-white female with one White parent and one non-white parent. Despite 15 years of institutional celebration, Gus T. anticipated this being one of the 5 Worst Books Ever. Racists generally do not promote literature that provides an accurate understanding of the System of White Supremacy. Deception by Omission: A serious exploration of prisons and Racism must account for the systemic forces that built them. This book's failure to center COINTELPRO, the torture legacy of Chicago's Jon Burge, or the raw profitability of caging Black men suggests Alexander is guilty of a whole lot of lying. Last week's review included: 1. The "Basically" Deception & The Audio Patch: Alexander claims the 10th Anniversary edition is "basically" the same book, yet we discovered she began "slipping in" massive, structural data, like the $36B Clinton-era housing-to-prison strike, as early as the 2012 audio book. This is Administrative Concealing of her own original errors. She's been running a "live patch" on her scholarship for 14 years to look more "radical" than she actually is. 2. The COINTELPRO Foundation: Alexander details the prosecutorial work of the drug war involves deceiving black male defendants, the use of paid, unidentified, often coerced informants, wiretapping, and draconian sentences to compel suspects to accept plea bargains and/or plead guilty to lesser sentences. She willfully ignores that most of these tactics were hallmarks of the COINTELPRO campaign against innocent black people who were struggling to counter-racism, not peddle drugs. 3. Black People Have Never Been Free: Michelle with 1 White parent told us: “Once upon a time, it was generally understood that the police could not stop and search someone without a warrant unless there was probable cause to believe that the individual was engaged in criminal activity.” All of the book club members united to point out the insanity of such a claim. White people - including children - with or without a badge have had the authority - if not he mandate - to stop any black person, at any time, for any reason. That's what White means - The Law. Reminded Gus of Trayvon Martin and Ahmad Arbery. #TheRedboneDeception #COINTELPRO #TheCOWS17Years INVEST in The COWS – [http://paypal.me/TheCOWS](http://paypal.me/TheCOWS) Cash App: [https://cash.app/$TheCOWS](https://cash.app/$TheCOWS) CALL IN NUMBER: 720.716.7300 CODE 564943#

T-Minus: Space-Cyber Briefing  from N2K CyberWire examines the  expanding attack surface created between Earth and orbit. Each week, we cover space and cyber developments that bridge technology, commerce, and innovation. We are the cybersecurity industry's source for understanding how space-based infrastructure reshapes digital networks,  risk, and resilience globally. Learn more about your ad choices. Visit megaphone.fm/adchoices

From '49ers Plus Minus' (⁠Subscribe Here)⁠: Tim and Matt Barrows go week-by-week through the 49ers' just-released schedule -- it's heavy with home games early and gets tougher late. Obviously with the two long international trips in there, too. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Hour 3

Heather Rice-Minus is the President and CEO of Prison Fellowship, the nation's largest ministry serving those impacted by incarceration. With a background in law, public policy, and justice reform, Heather has dedicated her career to helping people encounter hope, dignity, and restoration through faith and community. Through her leadership, Prison Fellowship continues to expand its mission of supporting incarcerated individuals, their families, and the churches and volunteers who walk alongside them. In this episode, Brad and Heather Rice-Minus explore the mission and impact of Prison Fellowship, the organization founded by Chuck Colson after his experience in prison following Watergate. Heather shares her journey from seeing herself as a secondary leader to stepping into the role of CEO, along with the importance of mentorship, vision, and empowering others. The conversation dives into prison ministry, Angel Tree, justice reform, leadership development, generosity, and the powerful ways lives can be transformed through faith, presence, and purpose. "Sometimes the people you least expect to teach you about grace are the very people who understand it most deeply." – Heather Rice-Minus "Leadership is not about doing everything yourself. It is about equipping others to thrive and succeed." – Heather Rice-Minus "We are not just serving people impacted by incarceration. We are witnessing God transform lives both inside and outside prison walls." – Heather Rice-Minus This Week on The Wow Factor: Heather's journey from policy work and law school to leading Prison Fellowship How mentorship and encouragement helped Heather step into leadership The origin story of Prison Fellowship and Chuck Colson's transformation after Watergate The impact of Angel Tree and supporting children with incarcerated parents Why prison ministry is about presence, dignity, and restoration The role churches play in serving families impacted by incarceration Heather's vision for the future of Prison Fellowship and the next generation of leaders Heather Rice-Minus' Word of Wisdom: Do not underestimate the power of vision, encouragement, and showing up consistently for people. Leadership is about helping others discover their purpose, staying faithful to the mission in front of you, and continuing to point people toward hope, restoration, and lasting impact. Connect With Prison Fellowship: Prison Fellowship Website Prison Fellowship Facebook Prison Fellowship Instagram Prison Fellowship YouTube Connect With Heather Rice-Minus: Heather Rice-Minus on LinkedIn Connect With Brad Formsma: WOW Factor Website   Brad Formsma on LinkedIn   Brad Formsma on Instagram   Brad Formsma on Facebook   Brad Formsma on X      

In this episode, Gem sits down with Heather Rice-Minus, President and CEO of Prison Fellowship, to explore what it means to follow Jesus in places that are complex, urgent, and often overlooked. Heather shares how her calling into justice and prison ministry unfolded, from advocacy work that helped shape the First Step Act to her current leadership of one of the most influential prison ministries in the world. But this conversation goes beyond her role and into her life with God. Together, they reflect on what she has learned from those who are incarcerated, how proximity to suffering reshapes our understanding of people and of God, and what Jesus may have meant when he said, “I was in prison and you came to visit me.” They also explore the tension between urgency and presence, and how an unhurried life is not only possible, but necessary, even in work that carries real weight. If you care deeply about making a difference but feel tired, stretched, or unsure how to keep going, this conversation offers a grounded and hopeful way forward. You’ll also hear: The unexpected discovery of joy among the incarcerated. Transformational leadership in the prison system. How slowing down can actually strengthen your leadership. This is a conversation about justice, leadership, and the kind of life that can sustain both. Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Great news! If you make a purchase from any link of the links below, the channel earns a small affiliate commission from the site. Many thanks ahead of time. BETTER HELP: https://www.betterhelp.com/JAYREELZ save 10% OFF of your first month. OLIPOP Soda: https://www.drinkolipop.com use promo code JAYREELZ for 15% off of your purchase. BOMBA SOCKS: https://www.gopjn.com/t/2-561785-354075-142593 SAVE 20% CONSUMER CELLULAR: https://www.pntrs.com/t/2-593611-354075-293459 May continues to slay when it comes to what's happening in the world of sports. I've got you covered on a bunch of different topics as the latest podcast has arrived. On deck: (4:14) The Knicks finished the job in Philadelphia as they broke out the brooms and embarrassed the Sixers. If you're a fan of Joel Embiid & co. you may want to listen up because not only was I disgusted over this performance, but it's time to blow this thing up if I were the front office. I'll touch on the other series as the Timberwolves show some fight, the Cavaliers try to even their series and the Lakers avoid a sweep of their own. Also, the NBA Draft lottery took place yesterday where the Wizards have the #1 pick. And Steve Kerr is back as coach of the Warriors. What does this mean for the organization moving forward? (34:34) As for the Stanley Cup Playoffs, the Canadiens are flying, the Ducks get even, the Wild look to get the equalizer tonight and the Hurricanes are home after another sweep. I'll recap what's gone on and what lies ahead. (42:46) MLB marches on as the Yankees had a lost weekend in Milwaukee. A couple of AL division leaders get to .500 and the Mets couldn't salvage a solid road trip, despite it being a winning trip altogether. (52:11) The NFL schedule will be officially released on Thursday, but the leaks will begin as early as today as to which matchups will be on our radar before you know it. And MUCH MORE in between. Please subscribe, leave a rating and post a review on Apple Podcasts, Google Podcasts, Spotify, Audacy, Amazon Music and iHeartRadio or wherever you get your podcasts. For daily shorts, weekly vlogs and then some, please subscribe to my YouTube channel at: https://www.youtube.com/channel/UCMucZq-BQrUrpuQzQ-jYF7w If you'd like to contribute to the production of the podcast, please visit my Patreon page at: www.patreon.com/TheJAYREELZPodcast   Many thanks for all of your love and support.   Intro/outro music by Cyklonus. LINKS TO SUBSCRIBE, RATE & REVIEW: APPLE: https://podcasts.apple.com/us/podcast/the-jayreelz-podcast/id1354797894 SPOTIFY: https://open.spotify.com/show/7jtCQwuPOg334jmZ0xiA2D?si=22c9a582ef7a4566 AUDACY: https://www.audacy.com/podcast/the-jayreelz-podcast-d9f50 iHEARTRADIO: https://www.iheart.com/podcast/256-the-jayreelz-podcast-43104270/ AMAZON MUSIC: https://www.amazon.com/The-JAYREELZ-Podcast/dp/B08K58SW24/ref=sr_1_1?dchild=1&keywords=the+jayreelz+podcast&qid=1606319520&sr=8-1

From 'Warriors Plus Minus: A show about the Golden State Warriors' (subscribe here): Marcus and Tim discuss Steve Kerr's new two-year deal to continue coaching the Warriors -- why it took so long and what it means for the team's future. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

"You know about that Pooh Shiesty?" Chris never feels cooler than when he's jaywalking, and Zas doesn't understand why people are live-streaming Coachella, which is why he'll be attending Rolling Loud with his son. Plus, The Pitch Clock returns with Aram Leighton of Just Baseball discussing some of the best and brightest in the game, and Chris attempting to get his first W of the season against Jeremy in Pitch Clock Trivia. Learn more about your ad choices. Visit podcastchoices.com/adchoices