Podcasts about Monterrey

Latin Grammy–nominated musician and debut picture book author Sonia de los Santos joins Jed to talk about birds, borders, and the magic of bilingual stories. Sonia shares the inspiration behind her new picture book La Golondrina, based on her song of the same name. The story follows a young girl who becomes fascinated with swallow birds while visiting her grandmother, and slowly begins to see her own migration story reflected in their long journeys. Sonia connects this to her real life, growing up in Monterrey, Mexico, then moving to the New York City area to pursue musical theater, eventually finding her calling making music for children and families. She and Jed swap bird stories (including a backyard turkey named Stella), talk about performing in less‑than‑glamorous multipurpose rooms, and celebrate the joy of seeing every child's face during school concerts. Sonia explains how her music evolved into books, how it feels to let an illustrator "finish" her story visually, and why she's committed to creating bilingual, welcoming spaces where all kids and families feel seen. They dive into big themes—migration, identity, empathy, and the courage to speak a second language (and make mistakes out loud!). Sonia also teases that La Golondrina is the first in a three‑book series, "Books That Sing / Libros que cantan", complete with lyrics, chords, and a QR code so families can read and sing together. Plus, we take a listen back to a conversation we had with children's music legend Raffi during his tour to promote his Nursery Rhymes for Kinder Times project and his lifelong commitment to honoring and respecting children.

En este episodio discutimos acerca de la visita a Monterrey, el partido que sigue frente a Pumas, las amarillas acumuladas del equipo, quién debe ser el titular en la portería y el patadón que le metieron a Javier. Estrenos lunes y jueves 8:00 p.m. hora centro de México. Síguenos en Youtube: https://www.youtube.com/channel/UCKUgzM-ueUwGTWHPifjx_8Q Síguenos en Facebook: https://www.facebook.com/profile.php?id=100093282376028 Síguenos en X: https://twitter.com/elpodcastdlm Síguenos en Instagram: https://www.instagram.com/elpodcastdelamaquina/ Síguenos en Patreon: https://www.patreon.com/user?u=95532763 Síguenos en Spotify: https://open.spotify.com/show/3tPrIVUNbhszDLBC7XJEpq?si=_brPaWW3SHaITfZqBqir3g Síguenos en Amazon Music: https://music.amazon.com.mx/podcasts/fa2a0da3-2ced-4dc3-bbc8-bd3895412680/el-podcast-de-la-m%C3%A1quina?ref=dm_sh_u8IoKWhVa2Sf2SmxxIWLVnIu6 Síguenos en Apple Podcasts: https://podcasts.apple.com/mx/podcast/el-podcast-de-la-m%C3%A1quina/id1694241184 Síguenos en Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy9lNDdlODZkNC9wb2RjYXN0L3Jzcw Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

¡NOCHE MÁGICA EN EUROPA! A medida que nos acercamos al Mundial 2026, la UEFA Champions League enciende motores con unos Octavos de Final de infarto: El FC BARCELONA empató a última hora contra el NEWCASTLE: ¿Qué pasó con el equipo de Flick? El ATLÉTICO DE MADRID pone un pie y medio en los Cuartos de Final tras pasarle por encima al TOTTENHAM. El equipo de SIMEONE demostró que es un candidato serio al título. BATACAZO EN TURQUÍA Y PODER BÁVARO: El LIVERPOOL sufrió una dura caída ante el Galatasaray y ahora apelará a la épica de Anfield para remontar. El BAYERN MÚNICH no tuvo piedad de la Atalanta en Italia. El REAL MADRID recibe al MANCHESTER CITY de GUARDIOLA con una baja sensible: ¡KYLIAN MBAPPÉ fuera por lesión! El PSG y CHELSEA reeditan la final del Mundial de Clubes en un duelo de pronóstico reservado. CONCACAF CHAMPIONS CUP: ¡Arrancan los octavos en nuestra región! El CLUB AMÉRICA de André Jardine viaja a USA para medir fuerzas ante el Philadelphia Union, mientras que en México viviremos un choque electrizante entre Monterrey y Cruz Azul en el "Gigante de Acero". Escuchamos las voces de los protagonistas, incluyendo a Javier Mascherano previo al duelo del INTER MIAMI. ACTUALIDAD MILANISTA: Excelentes noticias para la Selección Mexicana: Santiago Giménez está de vuelta en los entrenamientos con el AC Milan, enfocándose en recuperar su mejor versión física de cara a la Copa del Mundo. Redes Sociales de Fútbol de Primera: Instagram:   / fdpradio   Tik Tok:   / futboldeprimeraradio   Twitter: https://x.com/fdpradio#ChampionsLeague #AtleticoDeMadrid #FCBarcelona #RealMadrid #ClubAmerica #Concacaf #SantiGimenez #ManchesterCity #Bayern #LigaMX #InterMiami #Mascherano Learn more about your ad choices. Visit megaphone.fm/adchoices

En este episodio de Mundo Inmobiliario subimos a uno de los proyectos más ambiciosos de México y Latinoamérica: la Torre Rise en Monterrey. Accedimos al piso 30 (en plena construcción), un privilegio reservado para muy pocos, para mostrarte desde adentro cómo se está levantando la torre más alta de Latinoamérica, con 93 niveles y 475 metros de altura.Desde las entrañas de la torre, junto a Paulina Garza, Directora de Ventas, analizamos por qué este desarrollo ya es un caso de estudio inmobiliario: usos mixtos, residencias con marca hotelera de lujo, oficinas, amenidades premium y una proyección clara de plusvalía y rentabilidad.

Dios quiere usar tu vida para bendecir y formar a otros.Iniciamos esta semana con un mensaje compartido por el Pastor Mauricio Ordoñez, donde recordamos que cada proceso de nuestra vida tiene sentido en las manos de Dios.Estudiamos que nuestras experiencias se transforman en testimonios que pueden fortalecer la fe de nuestra familia, amigos y comunidad cuando aprendemos a verlas desde la perspectiva de Dios.Además profundizamos en las características de un discípulo:1. Iniciativa2. Escucha la enseñanza3. La pone en prácticaRecordamos que la fe no se trata solo evitar hacer lo malo, sino de crecer, obedecer y vivir de forma congruente, permitiendo que Dios forme nuestro carácter para impactar a otros con nuestro ejemplo.Juan 14Éxodo 102 Timoteo 3Lucas 6Suscríbete a nuestro canal: https://www.youtube.com/@AlientoMonterreySíguenos en nuestras redes sociales: https://www.instagram.com/alientomonterrey/https://www.facebook.com/AlientomtyfProcesos de Dios, propósito de Dios, discipulado cristiano, crecimiento espiritual, formación espiritual, propósito de vida, testimonio cristiano, vida cristiana práctica, predicas cristianas 2026, iglesia cristiana en Monterrey, Aliento Monterrey.

Sonntag der 08.März.2026 und dies ist Folge 1216 des Ultimate Wrestling Talk mit den Ergebnissen von „WWE Lucha Libre AAA World Wide“ vom 07.März.2026 aus dem Showcenter Complex in Monterrey, Nuevo Leon, Mexiko.

How to Move to Mexico: Visas, Costs, Taxes, and the Best Places to Live Mexico is one of the most popular countries in the world for Americans who want a lower cost of living, a warmer climate, and a richer day to day culture without moving halfway across the planet. Many expats are retirees, remote workers, or entrepreneurs who find that their money goes further while they gain a more relaxed lifestyle. For someone in the southwestern U.S. (like Arizona), Mexico is especially appealing because you can often drive instead of fly, keep close ties with friends and family, and still feel like you've made a big lifestyle upgrade. This guide walks through why and where to move, what it really costs, how visas work, how Mexican taxes function, when you might owe them, and other real world considerations that don't always show up in glossy travel articles. ________________________________________ Why move to Mexico? People move to Mexico for a mix of financial, personal, and lifestyle reasons. You can open this section with a simple story: for example, a couple selling a house in the U.S., paying cash for a home or condo in Mexico, and cutting their monthly expenses nearly in half while eating better and traveling more. Key motivations to highlight: Lower cost of living Mexico's overall cost of living is significantly lower than in the U.S. Rents in many Mexican cities are substantially cheaper than comparable U.S. cities, groceries and fresh produce are affordable, and services like cleaning, childcare, and home repairs cost far less. A couple who spends 5,000 USD per month in the U.S. can often live comfortably in Mexico on 2,000–3,500 USD per month, depending on city and lifestyle. Proximity and connectivity Unlike moving to Europe or Asia, living in Mexico means you're usually one flight away from your U.S. hometown. Major cities like Mexico City, Guadalajara, Monterrey, Cancún, and Mérida have robust air connections. Internet infrastructure has improved a lot; mid size cities now often have fiber optic service, making remote work highly feasible. Lifestyle and climate variety Mexico is huge and geographically diverse. You can choose from: • Coastal beach towns with surf culture and sunsets • High altitude colonial cities with spring like weather • Mega cities with world class dining, museums, and nightlife • Smaller, artsy towns with vibrant local traditions You get to decide whether you want small town community, cosmopolitan buzz, or something in between. Culture, food, and community You'll never run out of festivals, markets, and regional dishes. For many expats, the biggest upgrade isn't just cheaper rent, but living in a place where there's always music in the plazas, food in the streets, and a sense of community. In many popular locations, there is also an established expat network to help you orient. Healthcare Private healthcare in Mexico is dramatically more affordable than in the U.S. Many expats pay out of pocket for routine care and buy local or international health insurance for major events. In larger cities you'll find modern hospitals and specialists, and in some cases doctors who trained abroad. ________________________________________ Where to move in Mexico Mexico isn't a single experience. Moving to Oaxaca is very different from moving to Mazatlán or Guadalajara. This section should help you “try on” a few places in your imagination. Mexico City Vibe: Big city, cosmopolitan, urban energy. Pros: World class restaurants, museums, art, music, and nightlife; excellent air connections; plenty of coworking spaces and job opportunities with international companies. Cons: Higher rents than many other Mexican cities, traffic and air pollution, security can vary by neighborhood. Mexico City suits people who want an urban life and don't mind density. It works well for younger professionals or creatives, and for remote workers who want big city culture at a lower price than New York, LA, or San Francisco. Guadalajara Vibe: Large city with a strong tech scene and traditional Jalisco culture (mariachi, tequila). Pros: Big city services without quite the chaos of Mexico City, growing startup and tech ecosystem, nearby towns and lakes for weekend escapes. Cons: Some neighborhoods can feel sprawling; traffic is very real; summers can be hot. Guadalajara is a good fit for remote workers and entrepreneurs who want a mix of modern infrastructure and traditional Mexican character. Lake Chapala (Ajijic/Chapala) Vibe: Classic retiree and snowbird destination near a large lake. Pros: Mild climate, large English speaking expat community, social clubs and activities, walkable village feel in places like Ajijic. Cons: Heavy expat presence can make it feel less “Mexican” to some; limited big city amenities compared to Guadalajara. This area is ideal for retirees who want community, comfort, and a gentle pace of life within reach of a major city. San Miguel de Allende Vibe: Picturesque colonial city, artsy, charming, and heavily international. Pros: Beautiful historic center, strong arts and cultural scene, plenty of restaurants and galleries. Cons: One of the more expensive inland cities; tourism and expat presence drive up housing costs. San Miguel appeals to people who prioritize aesthetics, architecture, and culture and are willing to pay a premium. Querétaro Vibe: Clean, orderly, fast growing city with industry and a large middle class. Pros: Safe reputation, good infrastructure, beautiful colonial center, strong job market in manufacturing and services. Cons: Less “touristy charm” in some newer suburbs; housing prices have been rising with growth. Querétaro works well for families and professionals who want a modern, organized city with good schools and services. Puebla Vibe: Historic, livable city with serious food culture and nearby nature. Pros: Gorgeous colonial architecture, famous cuisine (like mole poblano), access to mountains and smaller towns, a mix of traditional markets and modern malls. Cons: Higher altitude and cooler winters than coastal areas; still under the radar for many expats, so less English support than in Lake Chapala or San Miguel. Puebla suits people who love culture, gastronomy, and city life but don't need a huge expat bubble. Oaxaca City Vibe: Cultural and culinary capital with strong Indigenous traditions and arts. Pros: Outstanding food, vibrant markets, year round festivals, access to mountains and rural communities, often lower rents than more famous expat hubs. Cons: Smaller airport and fewer direct international flights; infrastructure can be a bit more rustic compared to megacities. Oaxaca is great for people who want deep culture, don't mind a bit of grit, and prefer authenticity over polish. Mérida and the Yucatán Vibe: Colonial city, family friendly, often cited for safety. Pros: Strong sense of community, rich history, cenotes and beaches nearby, growing expat scene. Cons: Hot and humid much of the year; air conditioning can be essential. Mérida appeals to families, retirees, and anyone who wants a mix of culture and relative safety in a warm climate. Puerto Vallarta / Riviera Nayarit Vibe: Beach town/medium city with a strong expat and LGBTQ+ community. Pros: Ocean, sunsets, whale watching, strong tourism economy, many English speaking services, international airport. Cons: Housing and dining in tourist zones are more expensive; high season crowds; summer humidity. This is an easy landing spot if you want a beach lifestyle and community support from day one. Mazatlán Vibe: Working port city with long beaches and a growing expat presence. Pros: Ocean side living, more “local” feel than some resort towns, improving infrastructure, cost of living that can be lower than in ultra commercial tourist areas. Cons: Humid climate; parts of the city feel industrial; some areas are still rough around the edges. Mazatlán is appealing if you want the Pacific coast without the heavy commercialization and highest prices of places like Los Cabos or Cancún. Place Vibe Big Pros Main Tradeoffs Mexico City Mega‑city Culture, jobs, flights Cost, traffic, pollution Guadalajara Big, traditional Tech scene, culture Sprawl, traffic Lake Chapala Retiree village Mild climate, expat community Fewer urban amenities San Miguel Artsy colonial Beauty, culture Higher housing costs Querétaro Modern, orderly Safety, infrastructure Rising prices Puebla Historic, foodie Cuisine, architecture, nature nearby Less expat support Oaxaca City Cultural hub Food, festivals, affordability Smaller airport, rustic edges Mérida Warm, family‑oriented Safety, history Heat and humidity Puerto Vallarta Beach city Ocean, expat support Tourist prices in key areas Mazatlán Port/beach city More local feel, coast Humidity, some gritty areas ________________________________________ Cost of living in Mexico Readers want numbers, but it's better to provide realistic ranges and examples than a single “magic” figure. Basic cost structure Housing Rents vary wildly by location. A modest one bedroom in a non touristy city might rent for the equivalent of a few hundred dollars per month. In upscale neighborhoods of Mexico City or popular beach towns, modern apartments can cost as much or more than many mid tier U.S. cities. Utilities and internet Electricity is affordable unless you run heavy air conditioning all year, which you might need on the coasts and in the lowlands. Internet and mobile service are reasonably priced, with fiber available in many urban areas. Food and groceries Fresh fruits, vegetables, and staples are cheap, especially if you shop in local markets. Imported items (certain cheeses, specialty products) are more expensive. Eating at local restaurants and street food stalls is inexpensive; high end dining in major cities is still far cheaper than equivalent places in the U.S. Transportation Public transit, taxis, and app based rides are affordable. Owning a car involves fuel, insurance, and maintenance costs, but these are usually lower than in the U.S. You can often live car free in dense cities like Mexico City, Guadalajara, or Puebla. Example monthly budgets (rough, per household) Frugal single in a non touristy city • Rent (studio/1 bed): 400–600 USD equivalent • Utilities and internet: 70–120 • Groceries and local dining: 250–350 • Local transport and misc.: 100–150 • Total: roughly 800–1,200 USD per month Comfortable couple in a mid range city • Rent (nice 2 bed apartment): 700–1,200 USD • Utilities, internet, mobile: 120–200 • Groceries and eating out several times a week: 400–600 • Health insurance (local or international): 200–400 • Transport, entertainment, gyms, etc.: 200–400 • Total: roughly 1,600–2,800 USD per month Beach town or premium neighborhood living In high demand areas (like parts of Puerto Vallarta, San Miguel de Allende, or prime zones in Mexico City), you can easily spend 2,500–4,000 USD per month or more for a couple if you choose modern housing, eat out frequently, and live a more upscale lifestyle. Startup costs Don't forget one time or irregular costs: • Visa fees for temporary or permanent residency • International flights or moving your belongings • First month's rent plus deposit (sometimes more for furnished places) • Basic furniture and household goods if you're not renting furnished • Car purchase or import (if you choose to have one) Encourage readers to arrive with a cash cushion: at least 3–6 months of living expenses plus relocation costs. ________________________________________ Visa options and residency paths Mexico's visa system offers several ways to stay, depending on your plans and finances. Tourist stay Many foreigners enter Mexico as tourists without a visa and receive permission to stay up to a certain number of days (often up to 180 days, but it is not guaranteed). A tourist stay: • Does not allow you to work for Mexican employers • Does not let you access local residency benefits • Is not meant as a long term “back to back” solution Tourist entries are good for exploration trips but not for a full time move. Temporary resident (Residente Temporal) Temporary residency is the most common path for people who want to live in Mexico for more than six months without immediately going permanent. General characteristics: • Usually granted initially for 1 year, with the possibility to renew up to 4 years • Allows you to live in Mexico full time, open local bank accounts, and sometimes get local health coverage • Does not automatically grant permission to work; if you plan to work in Mexico you need work authorization attached to your residency Most temporary residents qualify via financial solvency (proof of income or savings). Typical recent numbers: • Monthly income requirement: roughly in the low to mid 4,000 USD range for the last 6–12 months, depending on the consulate • Savings/investment requirement: often in the high five figures to low six figures in USD equivalent, again varying by consulate Each Mexican consulate sets its own exact thresholds and evidence rules, so readers must always check with the specific consulate where they'll apply. Permanent resident (Residente Permanente) Permanent residency is ideal if you plan to live in Mexico indefinitely. Characteristics: • No need for frequent renewals • Lets you live in Mexico as long as you like • Often used by retirees or those with strong ties to Mexico (like family connections) You can qualify either: • Directly from abroad if you meet higher income or savings requirements, often thousands of dollars more per month than temporary residency; or • By first holding temporary residency for several years (for many, 4 years), then converting to permanent status inside Mexico. Again, the exact thresholds and documentation depend on the consulate and can change year to year. Work visas and business If you plan to work for a Mexican employer or run a Mexican company that needs your presence, you need proper work authorization. Basic ideas: • A Mexican employer can sponsor you for a temporary resident visa with permission to work if they are registered with the immigration authorities. • You cannot legally work in Mexico for a Mexican entity on a tourist visa. • If you intend to start a business (for example, a hotel, restaurant, or tourism operation), you'll need legal and tax advice to structure it correctly and secure the right visa. ________________________________________ Visa process: step by step overview You can treat this as a checklist. 1. Clarify your plan Decide how long you want to stay and whether you'll work, retire, or just live on savings or remote income. That determines whether you need temporary or permanent residency, and whether you need work authorization. 2. Choose a consulate and check requirements Review the website of the Mexican consulate you'll use (near your U.S. residence, for example). Requirements vary: one might emphasize income, another savings; some want 12 months of bank statements, others 6. 3. Gather documents Typical documents include: passport, completed application form, passport photos, bank and/or investment statements, pension or Social Security award letters, marriage or birth certificates if applying with family members. 4. Book and attend the consulate appointment You'll have a short interview, submit your documents, and pay a fee. If approved, the consulate places a visa sticker in your passport, usually valid for a limited period to enter Mexico and “activate” your residency. 5. Enter Mexico and finalize at immigration (INM) Within a set number of days after entering Mexico on your new visa (often 30 days), you must go to your local immigration office, complete forms, pay fees, and provide biometrics to receive your residency card. 6. Renew or convert (for temporary residents) Temporary residents must renew before their card expires, often annually at first. After the allowed number of years, many can convert to permanent residency. Many applicants use a local immigration facilitator or attorney, especially if their Spanish is limited or if they have a more complex case. ________________________________________ How Mexican taxes work This is where readers start wondering, “How much are Mexican taxes, and what do they tax?” Income tax (ISR) Mexico has a progressive income tax called ISR (Impuesto Sobre la Renta) that applies to individuals. For tax residents (people who are considered resident in Mexico for tax purposes): • The system uses progressive tax brackets. • Rates start at low single digits on small incomes (around 1.9%) and rise stepwise. • The top marginal rate is around 35% on high incomes (at several million pesos per year). • Most employment income is taxed through withholding by the employer, with an annual true up in a tax return. For non residents (people who are not tax resident in Mexico but have Mexican source income): • There is usually an exemption for a small initial amount of income. • Above that, one common pattern is 15% tax on mid range income and 30% on higher income, depending on the type and level of income. You don't need to quote exact peso thresholds to readers; it's enough to say that most ordinary incomes are taxed at moderate rates, while high incomes pay up to about 35%. What income do they tax? For Mexican tax residents, Mexico generally taxes worldwide income: • Wages and salaries from Mexican or foreign employers • Self employment and business income • Rental income from property in Mexico or abroad • Interest, dividends, and capital gains • Some pensions and retirement income, depending on the source and treaties For non residents, Mexico usually taxes only Mexican source income: • Income from work physically performed in Mexico • Rental income from Mexican real estate • Business profits from a Mexican business or permanent establishment • Some Mexican source interest and dividends If your readers are U.S. citizens, remind them: they must still file a U.S. tax return even if they also become Mexican tax residents, and they may be able to offset Mexican taxes through tax credits or exclusions. Value added tax (IVA) Mexico's sales tax is a value added tax called IVA. • The standard IVA rate is 16%, applied to most goods and services, including many consumer purchases and professional services. • There is a reduced rate (often around 8%) in certain border regions to promote competitiveness. • Some items are zero rated or exempt: many basic foods, some medicines, exports, certain types of housing, and some education and health services. As a consumer, you see IVA embedded in most prices, much like sales tax in the U.S. For businesses (like a hotel or restaurant), you collect IVA on sales and remit it to the government. Other common taxes and contributions Depending on what you do in Mexico, you might also encounter: • Social security contributions for employees (if you work for a Mexican employer) • Property taxes (predial), which are generally much lower than typical U.S. property taxes on a comparable property • Vehicle registration fees if you own a car You don't need to go into detail here, but it's worth flagging that these exist and are part of the overall tax picture. ________________________________________ Tax examples: retiree, remote worker, and Mexican employed American These simplified examples assume the person has become a Mexican tax resident (over 183 days per year in Mexico and/or center of vital interests in Mexico). Real world outcomes depend on exact numbers, deductions, the current year's brackets, and treaty interpretation, so they are for illustration only and not tax advice. Example 1: Retiree getting 30,000 USD/year in U.S. Social Security Assumptions: • 30,000 USD/year in U.S. Social Security, no other income. • Exchange rate of 18 MXN per USD → 540,000 MXN/year. • Lives in Mexico full time and is treated as a tax resident. Key points: • Foreign pensions, including U.S. Social Security, may need to be reported to the Mexican tax authority (SAT) once you are a Mexican tax resident. • In practice, some advisors and expats find that U.S. Social Security and U.S. retirement distributions are primarily taxed in the U.S., with Mexico focusing more on Mexican source income, but the safest assumption is that Mexico can tax worldwide income and may expect you to declare it. How you might explain it to readers: • If you are a retiree with 30,000 USD/year in Social Security and no other income, you will still deal with U.S. tax rules on that income. • Once you become a Mexican tax resident, Mexico may require you to report that income, but whether they actually tax it depends on treaty rules and how your situation is interpreted. • A cross border tax professional can tell you whether you'll see any Mexican tax on that Social Security or whether your liabilities remain mostly on the U.S. side. Plain English takeaway: retirees living on moderate U.S. Social Security often don't get hammered by Mexican income tax, but they should plan on at least reporting their income and coordinating U.S. and Mexican filings. Example 2: Remote American worker living in Mexico, making 80,000 USD/year from a U.S. employer Assumptions: • 80,000 USD/year salary from a U.S. company, work performed remotely while living in Mexico. • Exchange rate 18 MXN/USD → 1,440,000 MXN per year. • Spends more than 183 days/year in Mexico, so is a Mexican tax resident. Key points: • Mexico taxes its residents on worldwide income, which includes your U.S. salary. • If you are effectively working from Mexico, Mexico views that as Mexican taxable employment or self employment income, even if your employer is in the U.S. Approximate effect: • At around 1.44 million MXN/year, you'll be in higher ISR brackets, facing a top marginal rate of 35% on the upper slice of your income and a blended effective rate likely in the low to mid 20% range, after standard calculations. • You still file a U.S. return every year. • You may use the Foreign Earned Income Exclusion and/or foreign tax credits to prevent being fully taxed twice. If you're a U.S. citizen working remotely from Mexico and earning 80,000 USD/year from a U.S. employer, expect to owe Mexican income tax as a resident and still file a U.S. return. The good news is that, with proper planning, Mexican tax you pay can usually be credited against your U.S. tax so you're not double taxed on the same income. Example 3: American earning 60,000 USD/year from a Mexican employer Assumptions: • American citizen employed by a Mexican company, working in Mexico. • 60,000 USD/year salary → 1,080,000 MXN/year at 18 MXN/USD. • Treated as a Mexican tax resident. Key points: • This is clearly Mexican source employment income. • Your Mexican employer will withhold ISR from your paycheck based on the progressive tables, plus social security and other payroll contributions. • At roughly 1.08 million MXN/year, you're again in higher brackets, with an effective tax rate that can land roughly in the low to mid 20% range, depending on deductions and credits. • As a U.S. citizen, you still file a U.S. tax return but can typically use foreign tax credits and, possibly, the Foreign Earned Income Exclusion to avoid paying full tax twice. If you're an American making about 60,000 USD/year working for a Mexican employer, you'll see Mexican taxes withheld from every paycheck and you'll still file in the U.S., but in many cases the Mexican tax you pay will substantially offset what you owe the IRS. ________________________________________ When do you have to file Mexican taxes? Taxes depend on tax residency, not just on immigration status (visa type). When do you become a Mexican tax resident? Mexico may treat you as a tax resident when: • You spend more than 183 days in Mexico in a calendar year; or • Mexico is the “center of your vital interests,” meaning your main economic or family ties are there (for example, your spouse and minor children live in Mexico and you earn most of your income from Mexican sources). Residency for tax purposes is a legal determination, not just a personal choice, so it's wise to consult a tax professional if you're unsure. Filing and paying For Mexican tax residents: • Individuals generally file an annual income tax return, often in the spring of the following year (recent years use April 30 as a common deadline). • Some types of income require monthly provisional payments. • Employers withhold tax on salary, and banks or brokers may withhold on interest and other income. For non residents: • Mexican tax is often withheld at source by the payer (for example, a Mexican employer or tenant), at the applicable non resident rates. A simple rule of thumb for your readers: • If you spend less than 183 days in Mexico per year and don't earn Mexican source income, you usually don't file a Mexican tax return (but you still file in your home country). • If you live in Mexico most of the year, own a business there, or earn income from Mexican property or employment, expect to deal with Mexican tax returns and possibly to be treated as a tax resident. Always encourage readers to get cross border tax advice, especially U.S. citizens who may need to coordinate U.S. and Mexican returns. ________________________________________ Other important considerations Rounding out the blog with practical and cultural issues makes it feel grounded. Healthcare and insurance • Many expats use a combination of local private healthcare and insurance (either Mexican private plans or international expat policies). • Some long term residents enroll in Mexico's public healthcare system, but quality and access can vary by region. • Before moving, review how your current health insurance will work abroad and plan for major emergencies. Banking and money • Most people keep at least one bank account in their home country and open a Mexican account after they get residency, making it easier to pay rent and utilities. • Money transfer services and online banks can offer better exchange rates and lower fees than traditional bank wires. • U.S. citizens must also be mindful of foreign account reporting requirements (like FBAR and FATCA). Renting vs buying property • Renting first is usually smart. It gives you time to test neighborhoods, understand noise patterns, get a feel for the climate, and decide if you really like the city. • Buying property in Mexico can be attractive, especially in less expensive markets, but there are legal nuances, including special structures (like fideicomisos) for coastal and border properties. • Using a reputable notario (a specialized legal official) and real estate professionals is critical. Safety • Safety in Mexico is highly regional and neighborhood specific. Some places are very comfortable for day to day life, while others have serious security issues. • Research specific cities and neighborhoods, use recent data, and talk to locals and expats on the ground, not just headline news. • As in any country, common sense precautions (knowing where not to go at night, avoiding displays of wealth, learning local norms) go a long way. Language and integration • Learning Spanish is one of the best investments an expat can make. Even basic Spanish opens doors: cheaper local services, smoother dealings with bureaucracy, better relationships with neighbors. • Integration means respecting local customs, supporting local businesses, and avoiding “little bubble” lifestyles where expats only interact with each other. Working or running a business • Anyone planning to run a hotel, restaurant, tour company, or other business in Mexico needs clarity on immigration status, work authorization, and tax obligations. • A business that employs locals (for example, a hotel/restaurant concept in Puebla or a tourism operation in Oaxaca or Mazatlán) can be both profitable and socially impactful, but it requires upfront planning with local lawyers, accountants, and immigration professionals. • Operating “informally” or on a tourist visa can create serious immigration and tax problems.

La semana pasada volé ida y vuelta a Monterrey para dar una conferencia. No imaginé que ese viaje me dejaría cargando algo mucho más pesado que el equipaje.Mientras hacía fila para el baño, una sobrecargo se me acercó. Me dijo que admiraba mi trabajo. Hubo un silencio. Y luego, en voz baja, me preguntó si podía contarme un caso.Le dije que sí.Me habló de cómo un piloto la había drogado y violado durante un viaje de trabajo. Me contó que denunció, que enfrentó el proceso, que habló. Y que aún así, él seguía volando. Que incluso los habían vuelto a programar juntos en el mismo vuelo. Como si nada. Como si la violencia fuera un trámite administrativo menor."Los pilotos son intocables", me dijo. "Nosotras somos reemplazables."Esa frase no me la puedo sacar de la cabeza. En esta columna hablo de ella y de las miles que, cada día, se ven obligadas a elegir entre denunciar o sobrevivir. Para ver episodios exclusivos, entra aquí: https://www.patreon.com/Penitencia_mx ¿Quieres ver los episodios antes que nadie? Obtén acceso 24 horas antes aquí: https://www.youtube.com/channel/UC6rh4_O86hGLVPdUhwroxtw/join Visita penitencia.com Síguenos en: https://instagram.com/penitencia_mx   https://tiktok.com/@penitencia_mx   https://facebook.com/penitencia.mx   https://x.com/penitencia_mx   Spotify: https://spotify.link/jFvOuTtseDb Apple: https://podcasts.apple.com/mx/podcast/penitencia/id1707298050 Amazon: https://music.amazon.com.mx/podcasts/860c4127-6a3b-4e8f-a5fd-b61258de9643/penitencia Redes Saskia: https://www.youtube.com/@saskiandr - suscríbete a su canal https://instagram.com/saskianino   https://tiktok.com/@saskianino   https://x.com/saskianino

¡PÁNICO MUNDIALISTA POR KYLIAN MBAPPÉ! La estrella del Real Madrid enciende las alarmas a solo 98 días del inicio de la Copa del Mundo. Analizamos la plaga de lesiones que azota al conjunto merengue y que pone en duda la participación de varias figuras en la justa de 2026. ¡EL AMÉRICA DE JARDINE ESTÁ TOCADO! Tras una jornada de Liga MX que dejó al Monterrey más vivo que nunca, las Águilas entran en una crisis profunda. ¿Podrá revertir el vuelo el técnico brasileño? Previa del Clásico Tapatío: ¿Chivas romperá su mala racha o se hunde más ante el Atlas? FIFA lo hace oficial: ¡Habrá comerciales en las pausas de hidratación del Mundial! Inter Miami en la Casa Blanca: Messi y compañía visitan a Donald Trump. Leagues Cup cambia todo: ¡Partidos en México para la próxima edición!

Presentan “Xoli”, chatbot turístico para recorrer la capitalCáncer cervicouterino causa unas 4 mil muertes al año en MéxicoEcuador y Brasil impulsan banano resistente a plagas  Más información en nuestro podcast 

Deportres 6 de marzo 2026 (1279) - www.deportres.comEn el Deportres de hoy: ¡Comenzó el clásico mundial de beisbol, y Mexico se mide a Gran Bretaña en su primer compromiso del evento! todo sobre esta competencia y las grandes ligas, en el automovilismo, regresa la Fórmula Uno, y también vuelve Checo Perez, en el baloncesto, Lakers peleo, LeBron rompió otra marca de Kareem pero los Lakers volvieron a perder, listos para el fin de semana y la jornada diez en la liga MX con clásicos en Guadalajara y en Monterrey, Xolos recibirá a Santos Laguna, ademas de la información de las mejores ligas del planeta y la copa del mundo, tu participación y como siempre ¡mucho mas! https://www.patreon.com/c/Deportres

Buenas noches, madrugadores y trasnochadores del Inframundo.Esta noche no escucharás simples historias.Escucharás relatos contados por quienes pasan su vida detrás de un volante, recorriendo calles vacías, colonias olvidadas y carreteras donde algo siempre observa desde la oscuridad.Taxistas que aceptaron servicios que nunca debieron tomar.Direcciones que no existen.Pasajeros que no pertenecen a este mundo.Historias reales, narradas en primera persona, donde cada viaje deja una marca imposible de borrar.Prepárate… porque no todos los pasajeros llegan con vida,y no todos los destinos tienen regreso.Encuentra tu parte favorita00:00 HISTORIAS DE TAXISTAS01:11 9 DIRECCIONES — Un taxista en Monterrey recoge a una adolescente que no debería estar viva. Le da una dirección… y luego otra… hasta completar nueve paradas que lo llevan a entender algo aterrador. 18:28 DEAMBULANTE — Un conductor revive el accidente donde perdió a su esposa. Dos semanas después, en la misma curva, ella aparece en la carretera y se acerca a su ventanilla como si quisiera decirle algo. 35:08 EL LEVANTÓN (Taxistas) — Un viaje de aplicación se convierte en una trampa: suben a un joven a la fuerza, y un “sacerdote” con ojos blancos ordena conducir sin preguntas… hacia un lugar del que nadie debería volver. #HistoriasDeTaxistas #RelatosDeTerror #InframundoLas historias de terror de esta noche estás relacionadas con:historias de taxistas, relatos de taxistas, taxistas de noche, pasajeros fantasma, pasajeros que no existen, viajes malditos, relatos paranormales reales, historias de terror reales, taxis embrujados, experiencias de taxistas, encuentros paranormales, fantasmas en la carretera, apariciones nocturnas, relatos urbanos de terror, miedo en la ciudad, historias reales de miedo, terror nocturno, relatos en primera persona, historias que pasaron de verdad, oscuridad urbana, servicios prohibidos, destinos malditos, relatos del inframundo

Pentágono investiga ataque a escuela de Minab Sheinbaum y empresarios revisan avances del Plan México Heladas de hasta -10 grados golpean a Chihuahua y Durango 

En el episodio de hoy hablaremos de la cuenta regresiva rumbo al Mundial y de cómo Guadalajara y Monterrey levantan la mano para decir “estamos listos”, aunque el contexto no sea sencillo. Abordaremos el tema de la seguridad, la presión social, los hechos recientes de violencia y la gran pregunta que flota en el ambiente, ¿realmente se puede garantizar una fiesta mundialista cuando el país vive momentos tan tensos?. El episodio nos lleva de la voz de los organizadores locales a la realidad de las calles. Escuchamos a las autoridades de Jalisco y Nuevo León explicar cómo se prepara el dispositivo de seguridad, cómo se evaluarán los partidos de repechaje y por qué estos juegos oficiales de la FIFA servirán como ensayo general antes del Mundial. No se promete un escenario perfecto, pero sí uno controlado, vigilado y listo para responder. También se habla del legado que dejará el Mundial, no solo en infraestructura, sino en niños, jóvenes y comunidades que ven en el fútbol una salida, una ilusión y una oportunidad. Entre logística, pasión, estadios casi listos y selecciones que ya preguntan fechas y sedes, el episodio pinta un panorama claro, el reloj avanza, el Mundial está encima y no hay margen de error. Mantente actualizado con lo último de 'TUDN Podcast'. ¡Suscríbete para no perderte ningún episodio!Ayúdanos a crecer dejándonos un review ¡Tu opinión es muy importante para nosotros!¿Conoces a alguien que amaría este episodio? ¡Compárteselo por WhatsApp, por texto, por Facebook, y ayúdanos a correr la voz!Escúchanos en Uforia App, Apple Podcasts, Spotify, y el canal de YouTube de Uforia Podcasts, o donde sea que escuchas tus podcasts.'TUDN Podcast' es un podcast de Uforia Podcasts, la plataforma de audio de TelevisaUnivision.

Hoy en ¡Ya Párate!... Scrolleando … Lo que no sabías que sabías … Operación dejando a la bendi …Clases de Finanzas con Karla Bayly… El top con Diego Cárdenas y Lavando Ajeno con Rudy desde Monterrey...

Estamos a 100 días de la Copa del Mundo y en este episodio de Sin Llorar hacemos un análisis profundo del panorama de la Selección Mexicana rumbo al torneo más importante del planeta.¿Hasta dónde le puede alcanzar al equipo de Javier “El Vasco” Aguirre? ¿Qué ronda es realista pensar? ¿Cuáles podrían ser los cruces más complicados y qué sedes marcarán el camino del Tri? Desmenuzamos el presente del equipo tras el 4-0 ante Islandia y debatimos qué jugadores realmente levantaron la mano para subirse al barco mundialista.También analizamos lo que viene en la próxima Fecha FIFA ante Portugal y Bélgica, dos sinodales europeos que pueden marcar el tono competitivo del equipo. ¿Qué ajustes debe hacer Aguirre? ¿Qué pruebas ya no puede permitirse?Además:La salida de Domenec Torrent de Rayados de Monterrey. Otra vez un técnico más que se va en medio de una de las nóminas más caras de Norteamérica. ¿Problema de proyecto, de vestidor o de identidad?La última jornada de Liga MX: Toluca vs Chivas, Tigres vs América y el debate que ya está en la mesa… ¿Pumas es de verdad?Un episodio cargado de análisis, contexto y debate directo, sin teorías conspirativas y con argumentos sobre la mesa.#SeleccionMexicana#JavierAguirre#CopaDelMundo2026#Mundial2026#LigaMX¡Mándanos un mensaje!Support the show

En este episodio discutimos acerca de la victoria tan cómoda en Monterrey, la visita a TSM y un poco acerca de los partidos de marzo. Estrenos lunes y jueves 8:00 p.m. hora centro de México. Síguenos en Youtube: https://www.youtube.com/channel/UCKUgzM-ueUwGTWHPifjx_8Q Síguenos en Facebook: https://www.facebook.com/profile.php?id=100093282376028 Síguenos en X: https://twitter.com/elpodcastdlm Síguenos en Instagram: https://www.instagram.com/elpodcastdelamaquina/ Síguenos en Patreon: https://www.patreon.com/user?u=95532763 Síguenos en Spotify: https://open.spotify.com/show/3tPrIVUNbhszDLBC7XJEpq?si=_brPaWW3SHaITfZqBqir3g Síguenos en Amazon Music: https://music.amazon.com.mx/podcasts/fa2a0da3-2ced-4dc3-bbc8-bd3895412680/el-podcast-de-la-m%C3%A1quina?ref=dm_sh_u8IoKWhVa2Sf2SmxxIWLVnIu6 Síguenos en Apple Podcasts: https://podcasts.apple.com/mx/podcast/el-podcast-de-la-m%C3%A1quina/id1694241184 Síguenos en Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy9lNDdlODZkNC9wb2RjYXN0L3Jzcw Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Resumen Jornada 8 Clausura 2026 Liga MX - Futbol Mexicano LIGA MX CLAUSURA 2026 - RESUMEN DE LA JORNADA 8 ⚽

El REAL MADRID de ÁLVARO ARBELOA firma un partido para el olvido y cae ante el GETAFE en el Bernabéu. Analizamos cómo el FC BARCELONA de HANSI FLICK se escapa a 4 puntos de distancia. ¿Se despide el Madrid del título tan pronto?La IFAB aprueba las nuevas reglas para el MUNDIAL 2026: Más intervenciones del VAR, cuentas regresivas en cambios, saques de meta y laterales. Te explicamos cómo estas normasrevolucionarán la Copa del Mundo en Norteamérica.¡TERREMOTO EN LA LIGA MX! Repasamos una jornada de locura: TOLUCA supera a CHIVAS, mientras TIGRES golea al CLUB AMÉRICA en su propia casa. Además, el CRUZ AZUL hunde al MONTERREY.¿QUÉ SIGUE PARA RAYADOS? DOMENEC TORRENT es despedido tras la derrota ante La Máquina. Analizamos quién podría tomar el banquillo de la Sultana del Norte.¿DÓNDE SE JUGARÁ LA FINALISSIMA? El duelo entre ESPAÑA y ARGENTINA está en duda debido a la situación en Medio Oriente. ¿Peligra el choque de campeones?LIONEL MESSI brilla con el INTER MIAMI ante Orlando City para sumar su primer triunfo en la MLS 2026.RECUERDA SUSCRIBIRTE Y ACTIVAR LA CAMPANA

IMSS lanza convocatoria para médicos especialistas  Trump afirma que es tarde para dialogar con Irán  3 de marzo Día Mundial de las Anomalías Congénitas  Más información en nuestro podcast

Claudia Sheinbaum reconoce gravedad de desaparicionesFuerza Civil garantizará seguridad en 8M en MonterreyPapa León XIV insta a privilegiar el diálogoMás información en nuestro Podcast

En este episodio: Cruces de octavos de final en la ChampionsSe vienen nuevas reglas en la FIFA¿Irán los de Irán al Mundial? No se sabe…Operativos antidrones en estadios para el MundialPeligran los FanFest de la FIFARant de Monterrey y América: están pal perroSydney Sweeney sí sabe hacer dominadasHYPEBALL! es el podcast lleno de testosterona sobre el ancho mundo del deporte y la cultura pop con los fifas de clóset de Paiki Network.Nuestro mejor paquete de miembros está en ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. O únete a nuestro canal en ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ y desbloquea contenido extra.Únete a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ¡Es gratis!Escúchanos en ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ o en ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠--Información sobre ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠la música⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ de nuestra intro: Good for Nothing Safety by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license.

El aumento en el empleo formal, reportado por el Instituto Mexicano del Seguro Social, fue celebrado por la presidenta Claudia Sheinbaum, quien informó de 157 mil 882 nuevas plazas, sin considerar plataformas digitales. En un operativo coordinado, fue detenido Gerardo ‘N', El Congo, pieza clave en la célula delictiva que atentó contra el presidente municipal de Uruapan, Carlos Manzo. La secretaria de Desarrollo Humano e Igualdad Sustantiva de Monterrey, Karina "N" recibió por parte de un Juez Federal Prisión Preventiva Oficiosa. Hosted on Acast. See acast.com/privacy for more information.

Deportres 2 de marzo 2026 (1275) - www.deportres.comEn el Deportres de hoy: Jalisco le tomo la medida a Zonkeys y se llevo los dos de la serie en CIBACOPA, y nuestro recorrido por el mundo de la NBA, en el futbol, Toluca le reafirmo el baño de humildad a Chivas derrotándolos para la segunda caída del rebaño consecutivamente y Tigres goleo al America que se vio mal e inoperante, Puebla gana en un thriller, y Cruz Azul derroto a Monterrey propiciando la salida de un técnico, en Tijuana Pumas se vio mejor, pero solo hubo un empate aderezado con violencia en las gradas, en el contexto mundial incertidumbre sobre la copa del mundo, en el beisbol seguimos rumbo al clásico mundial, boxeo con el Vaquero Navarrete, tu participación y como siempre, mucho mas...https://www.patreon.com/c/Deportres

Sener destaca reducción de deuda de Pemex  Detienen a funcionaria de Monterrey por presunta extorsión   Reino Unido autoriza  a EU a usar sus bases para defenderse de Irán  Más información en nuestro podcast

El concierto gratuito de Shakira en el Zócalo de Ciudad de México rompió récords y resultó apoteósico. Unas 400 mil personas asistieron al espectáculo de 2 horas 15 minutos. Además en El Gordo y La Flaca: Al parecer Gloria Trevi y Mary Boquitas arreglaron sus diferencias y compartieron escenario en Los Ángeles sorprendiendo a sus fanáticos. Este fin de semana se entregaron los premios del sindicato de actores de Hollywood, ahora llamado Actors Awards. Te contamos todo lo que allí ocurrió.  Alejandro Fernández se presentó en Monterrey y nos contó de todo: desde cómo va salud hasta cuando irá al altar.  

Hoy viajamos al pasado, de hecho, a hace muchos años, a una galaxia muy lejana... Hoy ponemos a prueba nuestra franquicia favorita en el delicioso, Star Wars... con todas las preguntas coquetas y kinkys que nos definen...Para hacer este programa más nutritivo, les trajimos a un par de expertes:Grisi es licenciada en derecho y también licenciada en relaciones internacionales con enfoque en paz, conflicto y seguridad, sin embargo, su mayor pasión (Aún que la descubrió tarde) es Star wars episodio dos... Mauricio es también licenciado en relaciones internacionales por el Tecnológico de Monterrey, es también escritor y comentarista geopolitico en radio y contenidos web... Pero también, es un nerd del mundo de Star Warsy su episodio favorito es el cinco...No te preocupes, no tienes que ser un experto para entender este episodio, porque como siempre, en realidad de lo que hablamos fue más bien sobre arquetipos románticos como la princesa y el pirata, la mistica sensual de ciertos personajes que nos atrapan, etc. etc. etc.Esperamos que lo disfrutes, lo hicimos con cariño para toda la comunidad de Star Wars y El Delicioso Síguenos: / eldeliciosomx / eldeliciosopodcast https://x.com/eldeliciosomxo escríbenos a podcasteldelicioso@gmail.comTambién sigue a Relaciones intergalacticas:  / r.intergalacticaspodcast     • ELLOS HUBIERAN CAMBIADO LA HISTORIA  Recuerda que puedes grabar tu podcast en La Secta Creativa: / lasectacreativa https://lasecta.com.mx/

Escúchanos todos los jueves a las: 9:00 pm (hora del centro de México), por Radio Esperanza, 1140 AM (www.radioesperanza.mx) y los domingos 9:00 pm (hora del centro de México), por Radio Formula 1230 AM en Monterrey, Nuevo León, México (www.radioformulamonterrey.com.mx), y 11:00 pm por Radio Esperanza Para escuchar más de nuestras prédicas puedes visitarnos en, www.elevatuvision.com Si deseas comunicarte con nosotros puedes escribirnos a elevatuvisionmonterrey@gmail.com o info@predicascristianas.mx

¡EL SORTEO QUE PARALIZA AL MUNDO! Los octavos de la UEFA CHAMPIONS LEAGUE nos regalanuna final adelantada: REAL MADRID vs MANCHESTER CITY. Analizamos el camino a la "Orejona" con el Chelsea-PSG, el reto del Barcelona ante Newcastle y el duelo entre Atlético de Madrid y Tottenham.¡CAMINO A LA GLORIA EN CONCACAF! Repasamos el cuadro final de la Champions Cup. El INTER MIAMI de LIONEL MESSI se verá las caras con Nashville SC, mientras el CLUB AMÉRICA busca imponer condiciones ante Philadelphia Union. Toluca vs San Diego FC, el choque de titanes entre Cruz Azul y Monterrey, y Tigres ante Cincinnati.¡PREVIA DE INFARTO EN LA LIGA MX! El Clausura 2026 se enciende con tres partidazos: Toluca vs Chivas, Rayados ante La Máquina y el duelo de garras entre América y Tigres.RODRIGO HUESCAS habla sobre su lesión: ¿Llegará a la convocatoria de JAVIER AGUIRRE para el MUNDIAL 2026?Platicamos sobre la SheBelieves Cup, el torneo que narraremos por Fútbol de Primera.RECUERDA SUSCRIBIRTE Y ACTIVAR LA CAMPANA

Durante este episodio discutimos acerca de la actuación de nuestros seleccionados nacionales, el partido que esperamos frente a Rayados y un poco de la recuperación de la planta de Hidalgo. Estrenos lunes y jueves 8:00 p.m. hora centro de México. Síguenos en Youtube: https://www.youtube.com/channel/UCKUgzM-ueUwGTWHPifjx_8Q Síguenos en Facebook: https://www.facebook.com/profile.php?id=100093282376028 Síguenos en X: https://twitter.com/elpodcastdlm Síguenos en Instagram: https://www.instagram.com/elpodcastdelamaquina/ Síguenos en Patreon: https://www.patreon.com/user?u=95532763 Síguenos en Spotify: https://open.spotify.com/show/3tPrIVUNbhszDLBC7XJEpq?si=_brPaWW3SHaITfZqBqir3g Síguenos en Amazon Music: https://music.amazon.com.mx/podcasts/fa2a0da3-2ced-4dc3-bbc8-bd3895412680/el-podcast-de-la-m%C3%A1quina?ref=dm_sh_u8IoKWhVa2Sf2SmxxIWLVnIu6 Síguenos en Apple Podcasts: https://podcasts.apple.com/mx/podcast/el-podcast-de-la-m%C3%A1quina/id1694241184 Síguenos en Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy9lNDdlODZkNC9wb2RjYXN0L3Jzcw Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Aidan Williams returns as England's tournament goes from bad to worse in Monterrey, lightning doesn't strike twice for Northern Ireland, the World Cup's poster boy has a major misstep, the greatest clearance of all time and much more. Hungary v Canda - https://www.youtube.com/watch?v=ohDvj08eybk Brazil v Algeria - https://www.youtube.com/watch?v=M3qnpl9AB3c England v Morocco - https://www.youtube.com/watch?v=MBFyPcB3sT4 Mexico v Paraguay -  https://www.youtube.com/watch?v=o9XcaTTa1Ho Spain v Northern Ireland - https://www.youtube.com/watch?v=fNU0VVCUPlI Poland v Portugal - https://www.youtube.com/watch?v=cBWVDbtlzQM If you want weekly exclusive bonus shows, join our Nessun Dorma community chat, want your episodes without ads and a couple of days earlier or just want to support the podcast, then head over to ⁠⁠⁠patreon.com/NessunDormaPodcast⁠⁠⁠ where you can subscribe for only $3.99 a month (less than 75p a week!). Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hoy en ¡Ya Párate!... Scrolleando … Lo que no sabías que sabías … Operación dejando a la bendi …Clases de Finanzas con Karla Bayly... El top con Diego Cárdenas y Lavando Ajeno con Rudy desde Monterrey.

Escúchanos todos los jueves a las: 9:00 pm (hora del centro de México), por Radio Esperanza, 1140 AM (www.radioesperanza.mx) y los domingos 9:00 pm (hora del centro de México), por Radio Formula 1230 AM en Monterrey, Nuevo León, México (www.radioformulamonterrey.com.mx), y 11:00 pm por Radio Esperanza Para escuchar más de nuestras prédicas puedes visitarnos en, www.elevatuvision.com Si deseas comunicarte con nosotros puedes escribirnos a elevatuvisionmonterrey@gmail.com o info@predicascristianas.mx

Surnommé El Mencho, le chef du cartel Jalisco nouvelle génération (CJNG) a été abattu lors d'une opération policière le 22 février 2026. Ce cartel était l'un des plus puissants du Mexique et la mort de son leader a été suivie de violences terribles dans 20 des 32 États du pays. Le calme semble revenir, mais les guerres de succession ne devraient pas tarder. Quelles sont les marges de manœuvre de la présidente Claudia Sheinbaum à quatre mois de la Coupe du monde de football ? Avec :  - Stéphane Quéré, enseignant en Criminologie au Conservatoire national des Arts et Métiers CNAM, animateur du site spécialisé crimorg.com et auteur de « La ‘Ndrangheta » et « Planète mafia » (éditions La Manufacture de Livres) - Maria-Teresa Martinez Trujillo, chercheuse au Technologico de Monterrey (Institut technologie et d'études supérieures de Monterrey) et co-fondatrice du think tank Noria Research, spécialiste de la criminalité au Mexique.

What happens when a global brand famous for saving the planet from itself decides to challenge the very DNA of corporate leadership?In this first episode of The Conscious Capitalists' Summer Series, hosts Timothy Henry and Kate Adams speak with Charles Conn, Chair of Patagonia, co-founder of Monograph, and former senior partner at McKinsey. Together, they explore how conscious enterprises can thrive in a world of radical uncertainty — from geopolitical shocks to disruptive technologies — by rethinking the way leadership works.Charles takes us inside Patagonia's approach to leading with purpose, agility, and trust, showing why the old top-down, control-heavy playbook is no longer fit for a future that demands resilience, innovation, and courage. From breaking hierarchies to empowering frontline teams, he reveals how to build organizations that adapt fast and stay true to their values.This is more than a conversation about business — it's a blueprint for a new era of leadership. Charles shares stories and strategies from the boardroom to the trailhead, illustrating how authenticity, curiosity, and conscious capitalism can create lasting impact in both business and society.Listeners will gain insights into:Why traditional leadership models are collapsing — and what's replacing themPatagonia's trust-first culture and how it fuels innovationHow conscious capitalism drives agility in uncertain marketsThe role of curiosity in making better decisionsPractical ways to shift from hierarchical control to empowered teamsBalancing purpose with performance without losing momentumHow leaders can thrive — not just survive — in disruptive timesWhether you're a CEO looking to future-proof your organization, a startup founder hungry for agile growth, or a leader seeking to balance profit with purpose, this episode offers a rare inside look at what it takes to lead consciously in the face of unprecedented change.**If you enjoy this podcast, would you consider leaving a review on Apple Podcasts/iTunes? It takes only a few seconds and greatly helps us get our podcast out to a wider audience.Please subscribe on Apple Podcasts / Spotify / Stitcher, or wherever you get your podcasts.For transcripts and show notes, please go to: https://www.theconsciouscapitalists.comThis show is presented by Conscious Capitalism, Inc. (https://www.consciouscapitalism.org/) and is produced by Rainbow Creative (https://www.rainbowcreative.co/) with Matthew Jones as Executive Producer, Rithu Jagannath as Lead Producer, and Nathan Wheatley as Editor.Thank you for your support!- Timothy & KateTime Stamps02:02 Introduction to Summer Series00:45 Understanding Radical Uncertainty01:40 Introduction of Kate Adams02:34 The Future of Conscious Enterprise03:57 Introduction of Charles Conn06:17 Rethinking Business Strategy09:17 Organizational and Leadership Changes13:19 Patagonia's Approach to Purpose and Strategy21:08 Leading Through Disruption27:57 Decision Making and Purpose34:48 Leadership for the Future

¡MANO DURA! La UEFA sanciona a GIANLUCA PRESTIANNI por el caso VINÍCIUS y el joven talento del Benfica se perderá la vuelta definitiva ante el REAL MADRID en la CHAMPIONSLEAGUE.¿PELIGRA EL MUNDIAL 2026? La crisis en MÉXICO escala previo al REPECHAJE INTERCONTINENTAL y los rumores sobre una decisión drástica de la FIFA mantienen en viloa todo el país.CRUZ AZUL y PUMAS mandan en la LIGA MX: La Máquina pasó por encima de las CHIVAS, mientras que los universitarios hicieron rugir el Olímpico tras derrotar a RAYADOS de Monterrey.El FC BARCELONA asalta el liderato: El conjunto blaugrana vuelve a la cima de LALIGA tras golear al LEVANTE, aprovechando el inesperado tropiezo del REAL MADRID ante OSASUNA.TENSIÓN en el INTER MIAMI: Tras la derrota ante LAFC, LEO MESSI intentó encarar a los árbitros en su vestuario y tuvo que ser frenado por su amigo LUIS SUÁREZ en una imagenviral.RECUERDA SUSCRIBIRTE Y ACTIVAR LA CAMPANA

Escúchanos todos los jueves a las: 9:00 pm (hora del centro de México), por Radio Esperanza, 1140 AM (www.radioesperanza.mx) y los domingos 9:00 pm (hora del centro de México), por Radio Formula 1230 AM en Monterrey, Nuevo León, México (www.radioformulamonterrey.com.mx), y 11:00 pm por Radio Esperanza Para escuchar más de nuestras prédicas puedes visitarnos en, www.elevatuvision.com Si deseas comunicarte con nosotros puedes escribirnos a elevatuvisionmonterrey@gmail.com o info@predicascristianas.mx

En 1983, la NASA no sabía cuántos tampones necesitaba una astronauta para una semana en el espacio. Hoy, el ciclo menstrual es considerado el quinto signo vital y hasta podría ser un motor de plasticidad cerebral. En este episodio de Historias para Mentes Curiosas exploramos la ciencia de la menstruación, las barreras que persisten en torno a ella y los consejos clínicos para vivirla a nuestro favor. Entrevistamos a Andrea Rodríguez, fundadora de "Organización para chicas"; Claudia Hernández, ginecóloga del Hospital Zambrano Hellion de TecSalud del Tec de Monterrey; Viktoriya Babenko, neurocientífica de Biopac Systems, y Elizabeth Rizor, investigadora posdoctoral en la Universidad de California, Santa Bárbara.

Keith digs into what's really going on with apartments now that values in many markets have dropped 20–40%. You'll hear why larger multifamily properties have been hit so much harder than one-to-four unit rentals, and what that means for both current owners and new buyers. "The Apartment King," Brad Sumrok, joins the conversation to share how recent economic shifts, financing structures, and market forces have reshaped the apartment landscape—and why he believes we may be near a key turning point in the cycle. You'll also learn how investors are approaching deals differently today, what makes certain markets and property types more attractive right now.  Resources: Learn more about Brad here. Episode Page: GetRichEducation.com/594 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold us. Apartment Building values have fallen 2030, even, 40% over the past few years. Investors lost millions. What are all the reasons that it happened? And when will apartments turn around? I'm joined by the apartment king today on get rich education.   Corey Coates  0:26   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold, writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:09   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com you   Corey Coates  1:40   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:59   Welcome to GRE from Monterrey, California to Monterrey, Mexico and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack. John, act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education, and I'm still not wearing a pair of Dockers. We all know that the one to four unit space single family homes, up to four plexes have held under their values despite soured affordability, but five plus unit apartment buildings are a drastically different story. We're going to talk about just how much value they've lost recently, and the reasons why it's about more than just the interest rates doubling and tripling that began in 2022 Today's guest is an apartment educator. His students have had both losses and wins over time. I'll ask about both, because adversity is where you get the lessons now today, you might buy an apartment building at a steep discount compared to what it sold for five years ago. And who might you buy an apartment from today, it might not be the type of seller that you're thinking about because of owners defaulting you might now be buying it from a bank that had to basically repossess it. Yeah, you might try to buy it from a lender at 60% of the loan amount. Well, a lender doesn't want to do a 40% write down, so they're going to try to get more and see. That's how this could practically look today for an apartment owner that survived the crisis and is still standing today. They're asking themselves, now, why would I sell at a discount if I don't have to? So they're probably going to try to hold on. And then, of course, the tenants in these apartments don't know that any of this is going on now. I own a lot of single family rental homes myself, also apartment buildings in the one to one and a half million dollar range is where I've played, and often that ends up being eight to 12 units, because in that space, I don't need partners to invest in assets of that size. One to $2 million is also small enough so that you're not competing with institutional money and other players. Today, I'll tell you what I did with some of those buildings myself when interest rates reset about four years ago, and before you and I wrap up the show today, I've got something to tell you about what's coming in future. GRE episodes here stuff that's really unexpected as the apartment King waits in the wings. One last thing to tell you about, like I mentioned to you recently, investors say that they want an opportunity, but what they really want is certainty. Once certainty arrives, the opportunity. Is gone.    Keith Weinhold  5:01   Our GRE live event last Thursday was a success. It is about how central Florida is the most compelling housing market right now, with the builder offering rate buy downs as low as 3.75% and, you know, I just ran the numbers on something, and I can hardly believe this. All right, right. Now owner occupied mortgage rates are near 6% this means investment property rates are almost 7% with the rate by down to 4% here's how your cash flow looks with a 30 year fixed rate mortgage on a 300k loan with a 7% rate, your p and i payment is 1996 at a 4% rate. It's just 1432, this is a reduction of $564 per month, a whopping payment difference. That's really the difference between treading water and stacking cash flow on these brand new build properties that we're talking about here in Central Florida. So talking about opportunity and certainty, that is a big measure of both. Yeah, before I ran the numbers, I didn't realize that the spread was this wide. With high demand for these properties, the builder does have some more available, a long term fixed rate of around 4% it should be up for you now you can see the limited time replay of GRE, freshest live event at grewebinars.com, in case you want to look into This again, grewebinars.com let's discuss the apartment market. Foreign apartment building values have fallen at 20% 30% even 40% over the past few years, depending on the market that they're in today, we're going to learn how bad it is, why it happened, and if that actually creates an opportunity here in the late 2020s, decade, our guest is known as the apartment king. He is the number one nationally known educator and mentor for apartment investing. He started with a bang in 2002 by making his first ever real estate investment, not a four Plex like I did, but a 32 unit apartment building, and he's now owned and invested in over 11,000 units and over 1 billion in assets under management. He's received awards like the naa independent owner of the year, and he's the star of the massively popular in person events that he puts on, which you'll learn about soon. Hey, it's been several years. Welcome back to the show. Brad sumrock,   Brad Sumrok  7:46   hey, Keith. It's really good to be on again. Nice to be here.   Keith Weinhold  7:50   Brad and I were together in person last month, and we also talked physical fitness. Then Brad is one of the fittest guys you'll ever meet in person. He just looks fantastic. We want to hear about your apartment forecast shortly. Brad, let's talk about the hard stuff. First, you've endured adversity since we last had you here several years ago. Tell us about that.   Brad Sumrok  8:14    Well, look, I mean, I think anyone that's been serious about investing in apartments over the last five years. And I'll also say it this way, anyone who did a deal and say 21 the middle of 21 till probably the end of 2022 it's very likely that that property is worth less today than than it was when we bought it. So that, in itself, has created, you know, adversity, because I got into the business in 2002 and the market went up until 2008 and we went through a downturn in 2008 nine and 10, as is, I'm sure you're aware. And then the market went up again until around 2021, mid year. And then, due to so many reasons, and I could go into those reasons, but let me just just cut to the chase. That you alluded to is we had another downturn, and so the downturn, you know, impacts property values, it impacts confidence, it impacts investor appetite to do deals. It impacts just about everything related to the business, on the investment side, and the other business that I'm in, which is the seminars, the events and the mentoring. So it's been a big downturn, and we could go into those, you know, into the reasons why, and I'm sure you'd like to know my take on that. But now is a great time, because things are recovering, and one of the things Tony Robbins teaches Keith is pattern recognition. It's like I've been through two downturns, and I could see the patterns, and it occurs to me that we're at or near the bottom of a cycle. So like it's also a good time to be gearing up.   Keith Weinhold  9:50   Now, many realize but for those uninitiated on this, the one to four unit space really didn't feel much pain starting in 2022 so much of that is time. Two people get long term fixed interest rate debt on the one to four unit property, but it's shorter term debt on five plus unit apartment buildings. So when interest rates went up, people soon had to pay those higher rates. They were underwater. That's really the genesis of so much of the apartment building pain.   Brad Sumrok  10:19   Well, and I would say, look, it was, I'm going to throw a bunch of things at you here. So we had the pandemic, right? And during the pandemic, people got paid to stay home from work, right? The government printed, what, $5 trillion worth of money, right? And so that kicked off what became a period of, like, very high inflation. And you know, the published number was 9% but I think a lot of people experience certain items that were a lot more than 9% like, for example, for sure, in 2022 when we bought a 286 unit property, you know, we were able to replace all the appliances inside of a unit in The kitchen, you know, for $1,800 and even today it's like $3,200 so that's a little bit more than 9% and so we had that. So we had the printing of money, we had inflation, we had variable rate debt. Why did people do variable rate debt? The first thing I'll say is there is a place for variable rate debt. But what happened in 2021 and 2022 is the fixed rate lenders, which are typically the government sponsored agencies Fannie and Freddie. They were still lending money, but because of their criteria for lending, if you would go with one of those loans, you would get like 50% leverage the shorter term lenders that would give you the three year loans, you can still get like 75 to 80% leverage. So the vast amount of people that were buying anything in 2021 and 2022 I mean, I'm not just talking about myself. I'm talking about people with 2030, 4050, 70,000 doors all over the country, they were buying with short term debt. And historically, short term debt performs at or better than long term debt. I mean, think about it, when you get a long term, 10 year fixed rate loan and multifamily you have prepayment penalties. You know, when the market's constantly going up like it did, from 2012 to 2022 you could get that fixed term loan. You could pay it off early, you could pay the seven figure prepayment penalty, and you could still make lots and lots of money, and that's what people were doing. So when you bake in the prepayment penalties on long term debt, you know short term debt is oftentimes the better option. Well, nobody saw the Fed raising rate 16 times in 12 months. And look, I don't care what anybody says, Nobody predicted it. If they had predicted it, they would be probably the richest person in the world right now, right nobody saw a comment like, there may have been some people that said, hey, yeah, this is going to happen, or this is going to happen. But what actually happened with the Fed rates over a very short period of time was unprecedented. Unprecedented means it never happened before. So it's not something you could anticipate or something anyone can model. Okay? And so what that did is most of us had what's called an interest rate cap, which is an insurance policy that if the rates go up too much, that yours is capped. But the problem with those rate caps is they're only good for like, two years, right? So we're buying these deals in 2021 and we're getting short term debt, which is a three year debt. And in two years, in 2023 the rate cap expires, and now the rates are 9% instead of 3% and when we bought the deal, the rate cap insurance was $40,000 and now it's a million dollars. And so you're in a very awkward, unfriendly financial situation. And it wasn't just that. So it wasn't just inflation, it wasn't just interest rates. And many of us sung belt markets, specifically Texas and Florida, which historically have been some of the best markets to invest in, because of migration and no taxes, and then landlord and business friendly environments. Well, these states also suffered a lot of named storms, with, you know, hurricanes and wind storms and hail storms and so in these markets, at the same time, we had rising rates. At the same time, we had massive inflation. Now we also have insurance rates doubling or even tripling in some occasions. And then the final thing was, during the pandemic, a lot of the multifamily projects that were in the middle of being built, these development projects, they all slowed down. People couldn't work. And so back in 2020, or after we're fully recovered from the pandemic, some of these markets, like Nashville and Austin and Dallas and Houston and Phoenix, they got deluged Keith with new supply coming on, like a disproportionate amount of new supply. So there's like five. Five things that contributed to multifamily being really tough in the last few years. And so it wasn't just people with short term debt that had challenges. It was probably just about anybody that bought a deal within an 18 month timeframe that I outlined before that just really experienced challenges, and some of those people are still in deals, right? And so let's just take a deal that's, you know, a $10 million deal with a $7 million loan. Well, that deal right now might be only worth 7 million, yeah, and that's the opportunity. So the owner that has that deal may get punched in the face, so to speak, you know, by the market, and they may lose their equity in that deal, but the borrower coming in, or the buyer coming in, like one of my mentees right now, had a deal that was listed at 11 million, and he's picking it up for seven, which is, like, at or below the current loan value. So one buyer group's loss is the new buyer group's opportunity, if that makes sense   Keith Weinhold  16:03    right? 100% there's nothing unusual at all about the mortgage rate levels that began to go higher about four years ago. The unusual part, and Brad has touched on it, is the rate of increase, with mortgage rates doubling or tripling in a short period of time, within about a year or so, but yeah, it's a great point. It's about more than the mortgage rates. It's about increasing insurance costs and increasing expenses of all types, like you talked about with the appliances there, and then, even if you were able to weather all that as an apartment building owner, with all of the supply coming on to the market, when supply exceeds demand, we know what happens to price, and we also know that you can't raise rents very much with all of this supply coming on the market, but the supply of new apartment buildings, that inflow, that wave, is beginning to die down, because builders got the memo quite a while ago that they need to stop building at such a fast pace in places like Florida and Texas and you know, Brad, there are a lot of asset classes that have been beaten up lately. We can always point to a few. You can look at Bitcoin or nfts or even commercial office space. Now those assets might bounce back, but they don't have to, because no human needs those things. But I expect apartments to bounce back because having a place to live is a primordial Maslow and human need. It's almost inevitable. In fact, shelter is at the base of Maslow's hierarchy of needs. So a bounce back has almost got to happen. Yeah.   Brad Sumrok  17:46   Look, it's becoming the big word right now in politics. Right is affordability. And so when you look at affordability, if you take a median priced home in this country of say, $400,000 I don't know if that's the actual median, but maybe it's around 400 420,000 100, $420,000 yes, to buy that home. And who's going to buy a $420,000 home? It's going to be a working class family making 60 to 70,000 a year, right? They could rent a median priced apartment unit for $1,800 a month, or they could pay a 20% or a 10% down payment on a $400,000 homes, and they need 40 to 80,000 down right, or maybe less, but they still need a down payment and that p i, t i, the principal, interest, tax and insurance is going to be around $3,100 okay, so there's a $1,300 per month gap, and that's a big, big gap for that working class family. And so where are they going to live? Like we're becoming more and more of a renter nation? Keith, and the statistics that I read say that only 27% of American families can even qualify to get a mortgage, yeah, on a $400,000 home. So we're becoming more and more and more of a nation of renters by necessity. And so the demographics like look, all markets are not equal. You got to know what's going on in your market. But there are markets, ie locations, geographies that have even a higher affordability gap. You know, some markets have a 2000 a month or a $2,500 a month affordability gap. So you're going to find more and more people renting in these markets.   Keith Weinhold  19:37   Yes, there is a premium to ownership opening up that gap, and that's why we have this wave of renters that's really already begun. In about the last year, the American homeownership rate has fallen from 66% to 65% 1% doesn't sound like much, but that already means that we have 1.3 million new renters. We're going to talk to Brad some more, including about. His apartment market forecast you're listening to get rich education. Our guest is apartment King. Brad sumrock, more when we come back, I'm your host. Keith Weinhold,    Keith Weinhold  20:09   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/gre,   Keith Weinhold  20:45   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom. Coach, directly. Again. 1-937-795-8989,   Hal Elrod  21:58   this is Hal Elrod, author of The Miracle Morning, and listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:13   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking about a sector we have not talked about very much lately because it's been in rather moribund condition, but we are beginning to turn the corner where there are more opportunities in apartment building investing, because it's been beaten down an awful lot. And Brad, that plays right in to your apartment forecast. So tell us about some of the highlights of your apartment forecast.   Brad Sumrok  22:38   Yeah, sure. And one of the things that I want to share with you, Keith, is that, you know, back in the peak of the market, the market peaked, say, at the end of 21 early 22 there were so many investors that were in multifamily or that wanted to be in multifamily. And the other thing that caused this so called, you know, downturn that I didn't mention before is, let's take this $10 million deal. If a property was listed at $10 million you'd literally have 30 to 40 buyer groups pursuing that deal, bidding up the price. Yeah. And so a $10 million Listing would sell for 11 and a half million Okay, now what I'm seeing is that same $10 million deal might sell for a seven to 8 million and you might be the only buyer going after the deal. Wow. And how do I know? Because you said, like, I run a an investor community and and I have active multifamily buyers, and I coach them, and I look at their deals, and this is what's happening. And the other reason I know is I sold two of my deals personally in 2025 and both of the deals that I sold, I bought in 2015 where we had 10 year fixed rate debt. So we didn't sell because we had a three year loan. We needed to sell because we had a 10 year loan due. And look, first thing I'll say is I made money, because over that 10 year period, values did go up. They peaked in 2022 and they came back down that because I bought it so long ago. That's the one lesson that I think people also want to understand, is over the long term, the values always tend to go up, but there are short term ups and downs that one would need to be aware of. But when I sold these two deals like I didn't have many buyers one deal in particular. I mean, I had eight buyers going after the deal, but only one was anywhere close to what I wanted. So I was negotiating with myself, you know, telling the buyer and his broker, hey, you know the other guys are here, and you got to come up on price and you got to come up on terms. But truthfully, I was bluffing, because I didn't have anybody that was coming up on price or coming up on terms. And so part of why I'm answering this way is when you look at the forecast, one thing that that I want people to know is that those. Of us that are in the business now and that have our pencils up, and we're underwriting deals, and we're making offers, like I used to teach Keith, don't make lowball offers, because you'll develop a reputation of being that guy or that borrower or that buyer that submits lowball offers, right? And word will get around in that market? Well, right now, like low ball offers are expected, and I would encourage people, let's just say you make an offer that whatever the deal pencils out to. So if you know how to underwrite deals correctly, and they're offering 10 million as a listing price, and you're coming up at seven or 7.5 don't be bashful to make the offer, and you may be the only buyer in the game. So that's one thing is like the competition that I'm seeing right now on the buyer side is not a lot of competition, and that's definitely shifted to a buyer's market. So people need to know that. The other thing I would say, on the macro level, is there's still a lot of uncertainty out there, and the uncertainty is kind of becoming like what I would call a new normal. You know? I'll speak for myself. When Trump was elected and at the end of 2024 I thought it was going to be amazingly well for all of us real estate investors, right? And there are some things that have been like the big, beautiful bill that restores 100% bonus depreciation like this is a really good thing, but you know, the tariffs, the immigration policies, some of the things that he's doing, you know, they have mixed impact for us and our in the economy and in real estate and in multifamily. And the thing is, when he first started doing that again, like lenders, they didn't know how to price debt, like, what's going to happen with tariffs, what's going to happen with ice what's going to happen with immigration, you know? But now that we're a year in to his second term, I can tell you a couple things. Debt is back. Lenders are lending. They're confident. Lenders are issuing debt like you can get 70 to 75% of your acquisition funded by a commercial lender. The government agencies are lending. Freddie Mac is lending. Fannie Mae is lending, and they have a mandate to lend 20% more money in 2026 than they did in 2025 so that bodes well for people that want to get, you know, affordable workforce housing, which is my specialty, also known as Class B and Class C housing. So the lenders are lending like, there's a lot of debt out there. One of the challenges is the equity. There's a lot of institutional equity. But if you're going to the retail investor who got into the business three to five years ago. They don't want to hear about your next deal right now, they're wondering about, hey, what about the deals that I'm in? Right? So one of the things that I'm doing, Keith is, and I think, you know, this is like, you know, I build up a huge investor community from 2012 to 2022 and I did it by traveling the country, speaking at conferences, sponsoring trade shows, talking about the benefits of investing in apartment buildings, how it changed my life, how it enabled me to retire from a six figure income in just three years, and how I've helped many, many other people Do the same, and also just sharing experience today, every asset class, every 10 to 15 years is going to go through a correction. And so where we're at now. And I wasn't the only one on the forecast. I brought in John Chang who is the senior intelligence officer at Marcus and millichep, one of the biggest commercial real estate firms in the country, and he presented about 20 or 30 slides that by and large were very bullish on where we're at in the market cycle. Why now is a great time to be looking at apartment buildings, a lot of the same things that I've been talking about. Prices are down. It's a buyer's market. We have a huge affordability issue. More and more people are becoming renters, and so what I'm committed to do, Keith and I don't know if I shared with you my travel schedule, like when we met each other last month, but I'm on the road every single week going to another city, talking about where I see us right now in the market, and why people should be looking at deals and making offers right now. Because to me, you know, Warren Buffett said it best. He's like, you want to be fearful when everybody else is being greedy, and you want to be greedy when everybody's being fearful. And right now, people are on the sidelines. They're waiting for some green light, like for the Wall Street Journal to come out and say, Hey, now's a good time, you know? I mean, look, Trump, just the point of the new Fed chair, right? And so we know interest rates are going to go down like that's one of his goals, and the guy that he appointed is going to lower rates. So we're looking at a future, a very near future, where we have lower rates, and lower rates is going to create more demand, again, for people that want to buy. I invest in apartments now, look, if you wait another year, I still think it's going to be a good time, but I think we have a better time right now.   Keith Weinhold  30:10   I sold one apartment building in 2022 for about $1 million and I sold another one of my apartment buildings in 2023 for about $1 million I had bought those in 2013 with 10 year balloon loans, so I was enjoying that nice fixed rate as late and as long as I could, until 2022, nine years and 2023, 10 years before the rate went up on me. But of course, my new buyer had to pay that rate, so it limited the amount that they could offer for it. However, to your point about investing for a long time horizon, I still had profits on those nine and 10 year holds, but yeah, to your point, Brad about the looser lending, this is huge. I read a summary of the latest national Multifamily Housing Council meeting, and one of the biggest takeaways that came out of that meeting is that there is abundant debt available. It's in increasingly attractive terms. And a lot of people think about mortgages, and they just think about the rates, and you should that's certainly important, but they don't think as much about the propensity for others to lend. How loose, or how tight are those standards? They're loose, yeah.   Brad Sumrok  31:25   And, I mean, look, the first deal I did in 2002 the interest rate was 6.35% the rates right now are less than that, you know, as of the date of this recording. So, you know, I always talk about a base case of a $10 million deal. It may seem large to you or to people listening, but like in my world of syndication, where we're not just looking at the real estate piece, but learning how to raise money to buy real estate so we could have a bigger property that's professionally managed and become a true business owner like Robert Kiyosaki talks about, do you want to be self employed? I tell my students, buy a six Plex. Do you want to own an apartment business by 60 units and hire a management company? So when I'm talking about this $10 million deal, you know, you can get a $7 million loan right now for probably in the mid 5% and it would be non recourse, and you could probably get three years of interest only, meaning for the first three years, you're going to have a higher cash flow. So like, this is a really good loan compared to 2021 when we could get 3% debt. It's not but remember that 3% loan was a short term loan. You know, it wasn't a 10 year fixed rate loan, it was a short term loan, and we all saw what happened with that when they raised rates so many times in such a short period. So the fixed rate debt is very competitive based on, like, the long term, 20 year average, and it's lower than it was when I started.   Keith Weinhold  32:55   Well, we've been talking about elements of your apartment market forecast, and of course, that's going to inform your Buy Box. Brad, you mentor students constantly and oftentimes we think about a Buy Box. We think about then in terms of geographic market, but as we look for an opportunity, we also might think about some other things in your Buy Box, for example, new build versus vintage build. So with all of this traveling you do, and you're in the markets, and you're informing students, and you're looking at students prospective deals as well. But tell us more about what a good buy box is for the near term in apartment buildings.   Brad Sumrok  33:36   Yeah. So look like what is in the buy box, right? So one is going to be your location. And so, you know, how do I select a good location? Just some tips and strategies around that is, I look for landlord and business friendly environments. In other words, if the tenant doesn't pay, do they get to stay or not, you know, so I like to be in market so that they don't pay, that we could legally, you know, not have them consume our product for a long period of time. So I also look at things like job growth and population growth, affordability gap. New supply is a percentage of inventory, you know, the new supply coming online in a diversified economy. So, like, you want to get your geographies nailed down. Like, where you buy matters, like, there's no substitute to I would rather pay more for a property in a location that meets that criteria than less for a property that doesn't. Yeah. So geography is important. You want to pick your property size, like, how many units, or what's the price point. Okay? And this is huge, because if you're gonna buy your own deal with your own money, which is another reason I prefer syndication. Let's say you have pick a number, 100,000 to invest. Like you can only buy a $300,000 property, two units somewhere, three units somewhere, you know. Or zero units somewhere, right, right? So if you have expanded your you know, your mind and your skill set to do a syndication 100,000 doesn't limit you to your own money, you know. And then I would say, Well, what is a great size for a first time syndicator is I would target somewhere around 60 to 80 units, and at 100,000 a unit, which is a ballpark price for maybe a nice B class property or high C Class property, and a market that meets the criteria that I outlined earlier. You know, you're looking at, say, a six to $8 million property. And so what you could do from there, Keith is, you could say, Okay, well, you know, this is why, like in my educational course, I use a $10 million property, because the numbers are easy. But even just say, Well, I'm going to do an $8 million property, you'd say, Okay, I need two to 3 million down, depending on the debt, right? And then I'm going to get a the balance in a loan, you know, because you could get a 70 to 75% loan. So then you ask, Well, where am I going to get to 2 million, right? If I have 100 I need $1.9 million and so then you got to start thinking about like, do I have access to people or work or in the neighborhood or at the community or at the church, you know, or do I go to masterminds and conferences and meetup groups like, where I saw you Keith last month, like, there's a lot of investors there with a lot of money, right? And some of them are looking to be passive investors. And so, you know, there's a whole nother conversation around, you know, raising capital. And if you can't raise capital, then you may want to bring in some people on your GP team that could help you raise capital, as long as you're following, like the SEC compliance and again, that's another discussion. That's the importance of having the buy box so you have your geography, your property size, your property class. You know, again, if you just want the new construction stuff. There's some people out there, like big name, famous people, that are highlighting their 800 unit a class deals that they're buying. And of course, like you or I that are just getting started, can't go buy that deal. And so why? You know the institutions are going after the large A class properties in the best areas. And so where I've made my niche Keith, and what I would recommend most people start is start with the older vintage properties, start with the 1970s properties, and then maybe work your way up to the 1980s and 1990s properties. And why is this is because the institutions don't want those properties, and they're still able to be professionally managed. Like, if you go and buy 100 unit C Class property, as long as it's not in a bad neighborhood with, like, high crime or whatever like that. Like, these are very honest, hard working, working class people that need a clean, safe and functional place to live, and you'll be able to get better returns on a C or A B class, also known as like the cap rate. And again, that's another discussion, but you'll be able to get a better return on an older vintage property than you would on a vintage property. And you're not competing with the institutions, but you're also not competing with the mom and pops, because the mom and pops are going to take that 100,000 they have and go buy a duplex. You know, they're not going to want to syndicate a deal. They're not going to want to have partners. They're not going to want to deal with the so called complexities of buying a company. And that's what buying an apartment community is, Keith, it's buying a company. You're buying a business that has an income stream already being generated those customers, they're called residents. They're called tenants, you know, but if you just go upstream from buying real estate or buying an apartment building, we're buying a cash flow producing business that's existing, that's in place, and then our job is to figure out how to run it better and more efficiently. You the   Keith Weinhold  39:04   You the listener, you might have access to, say, 500k in equity that's sitting in your existing properties. And some of these numbers that Brad and I are throwing around are rather large, $10 billion but one of the biggest epiphanies that I think your students have is that doesn't need to be much of your own money. We're talking about what's called the capital stack to take down a $10 million apartment building. Maybe you borrow seven and a half million of that. Maybe you raise 2 million of that from your other investors in the syndication, and then you put your 500k into the deal, and there you have $10 million in order to make that purchase. But yes, that does involve a learning curve and the SEC rules and all that. But the big takeaway here is you don't need much of your own money. You can leverage other people's money, even for the down payment. And Brad, you're also an expert at showing people how to pay almost. Zero tax, which is another discussion unto itself, but some of your students start with zero experience, and within a few short years, I mean, you've had hundreds of people that have either retired early or increased their net worth by over a million dollars. A lot of success stories,   Brad Sumrok  40:17   yeah, look, I mean, I started with no previous real estate investing experience. My experience was going to college, studying hard, getting decent grades, becoming an engineer, you know, being fired once, being laid off once, and reading Robert Kiyosaki books that motivated me to to go out and seek specialized education. And I think it was Jim Rohn that said formal education, like degree could get you a job, and specialized education like you can get in a conference or a mastermind or a mentorship program. And that's also how I started. I went to a weekend workshop back in 2001 and I bought the mentorship program. And boy, I'm glad I did, because, you know, that's how I got into my first 62 units. So you don't need to have experience. What you need to have is a powerful reason, a powerful why? Why do I want to be financially free? Like apartments is just a vehicle. I didn't choose apartments because I love departments. I choose departments because they cash flow, they go up in value, and you have amazing depreciation benefits.   Keith Weinhold  41:23   Yeah, I'm the same. I don't love apartments in a way. I don't love real estate. I love what these things do for me    Brad Sumrok  41:30   exactly. Yeah? So, like, you don't have to have experience. In the other category, of people that have come into my community that don't have apartment experience, a lot of them have real estate experience, Keith, that are doing, like, single family homes, short term rentals, or maybe smaller, multi unit deals. And they listen to a show like this, and they're like, huh, I want to transition from doing these smaller types of assets with my own money and self managing to scaling into a syndication.   Keith Weinhold  42:03   Brad has taken countless people from get rich education to got rich education. His core values are faith, finance, fitness, family and fulfillment. He is committed to helping people experience not just financial success, but personal fulfillment, purpose, contribution, freedom and Brad and his investor community have contributed over $1 million to charity. Is really the person you want to learn from if you want to think about going bigger with multifamily apartment buildings. This has been great, Brad. Let our audience know how they can connect with you and learn more?   Brad Sumrok  42:42   Yeah, sure. So I would say this is where I should just be very clear here, okay, but I'm gonna give a couple options, because that's what I'm so of course, there's a website which is my first and last name.com, B, R, A, D, S, U, M, R, O, k, for those of you on social media, I respond to my own social so you'll find me again. B, R, A, D, S, U, M, R, O, K, on LinkedIn, Instagram and Facebook.   Keith Weinhold  43:13   Brad, it's been so valuable. It seems like American apartment buildings are in for redemption story here. It's been great having you back on the show.   Keith Weinhold  43:29   Brad and I both emphasize physical fitness, and we chatted about that a good bit when we were together last month. I think he looks better than me. To summarize, the reasons for this historic collapse in apartment building values. It was the combination of soaring interest rates, massive inflation, spiking insurance costs, construction soared, and it created an oversupply, and that oversupply still is not absorbed. In fact, according to the outlet apartment list, the National multifamily vacancy rate recently hit 7.2% that's the highest in the history of the index, which dates back to 2017 and that's chiefly due to apartment oversupply. Have apartments really hit the bottom? Brad just said, we're at or near the bottom, and it's a good time to be gearing up as far as what's coming. To give you an idea of new apartment supply, what takes about two years from construction start to completion. And now you can't just have all US apartment construction come to a complete stop. You have to keep people working. And there are almost 400 MSAs in the United States, so you couldn't coordinate a complete ceasing of construction across every area. So how about the level of new construction starts in apartment units today, and the way that HUD counts it is the number of units started in buildings of five plus units the recent peak. Was about 600,000 annually in 2023 and today it's closer to 400,000 there it is that slowing pace of new apartment construction. If you jump into multifam, be careful of properties with deferred maintenance, because understand that you have a lot of underfunded owners Now Brad can tell you specifically what to look out for his rat race to retirement event is March 28 and 29th in Dallas. It's a two day hands on workshop. You'll learn how to find apartment deals, how to underwrite deals, how to raise capital management and your exit. Discover how you can retire in five years or less by owning apartments again. His website is Brad sumrock.com    Keith Weinhold  45:49   coming up on future episodes here on the get rich education podcast. We're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished experts, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy of the 50 US states. I'm going to discuss some awful states to invest in, including ones with population loss. On another episode, a distinguished subject matter expert and I are going to dive deep on does America really have a housing shortage, not in apartments which are oversupplied, but is there a shortage in the one to four unit space? That's our topic, because you probably heard contradictory information in the media about whether there's a shortage or not, and then some outlets say there's a housing shortage of 2 million units. Others, 10 million. They're all over the place. We're going to sort it out on an upcoming episode. Does America really have a housing shortage? Then the youngest guest to ever appear on the show will be with us. He's a 19 year old college student that has a real estate investing related major, and since last year, he and I have befriended each other. He was born in about 2006 so it'll be interesting to see how he views the investing world and what they teach him about real estate investing in college today, he is probably the most impressive teenager that I've ever met in my life. Then six weeks from now, we will have an epic get rich education podcast episode 600 on a subject as paradoxical and complete with a GRE contrarianism That builds real wealth, debt is the American dream will be episode 600 if you're serious about building wealth, be sure to follow or subscribe to the show. We are going on a run. If you know someone in your life who needs to think differently. If you know one investor who's still waiting for perfect conditions. This will help them tap the Share button and tell them about the show until next week. I'm your host. Keith Weinhold, don't quit your daydream.   Unknown Speaker  48:14   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  48:42   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Escúchanos todos los jueves a las: 9:00 pm (hora del centro de México), por Radio Esperanza, 1140 AM (www.radioesperanza.mx) y los domingos 9:00 pm (hora del centro de México), por Radio Formula 1230 AM en Monterrey, Nuevo León, México (www.radioformulamonterrey.com.mx), y 11:00 pm por Radio Esperanza Para escuchar más de nuestras prédicas puedes visitarnos en, www.elevatuvision.com Si deseas comunicarte con nosotros puedes escribirnos a elevatuvisionmonterrey@gmail.com o info@predicascristianas.mx

Escúchanos todos los jueves a las: 9:00 pm (hora del centro de México), por Radio Esperanza, 1140 AM (www.radioesperanza.mx) y los domingos 9:00 pm (hora del centro de México), por Radio Formula 1230 AM en Monterrey, Nuevo León, México (www.radioformulamonterrey.com.mx), y 11:00 pm por Radio Esperanza Para escuchar más de nuestras prédicas puedes visitarnos en, www.elevatuvision.com Si deseas comunicarte con nosotros puedes escribirnos a elevatuvisionmonterrey@gmail.com o info@predicascristianas.mx

Escúchanos todos los jueves a las: 9:00 pm (hora del centro de México), por Radio Esperanza, 1140 AM (www.radioesperanza.mx) y los domingos 9:00 pm (hora del centro de México), por Radio Formula 1230 AM en Monterrey, Nuevo León, México (www.radioformulamonterrey.com.mx), y 11:00 pm por Radio Esperanza Para escuchar más de nuestras prédicas puedes visitarnos en, www.elevatuvision.com Si deseas comunicarte con nosotros puedes escribirnos a elevatuvisionmonterrey@gmail.com o info@predicascristianas.mx

La democracia no suele romperse de golpe. Se erosiona gradualmente, a través de decisiones que parecen legales, técnicas o incluso necesarias. El debilitamiento de los contrapesos, la captura de instituciones y el uso del miedo como herramienta política son parte de ese proceso. En este episodio de Con su permiso, conversamos con Miguel Toro, director de la Iniciativa de Democracia y Desarrollo del Tec de Monterrey, sobre cómo opera la erosión democrática, su vínculo con la desigualdad económica y la polarización social.

Ante el incremento de lesionados en la Selección Mexicana, Javier Aguirre, técnico Tricolor, aseguró que en su equipo no hay lugar para rehabilitar a nadie; Larcamón o Milito, ¿quién tiene la carrera más prometedora? ¿Vencer al Monterrey le daría a Efraín Juárez el crédito que necesita en Pumas? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episodio donde Wisto no está deacuerdo con el casting de Jason Mamoa para Helldivers, sus similitudes con Brandon Lee, el cambio en la industria del cine para tener más cuidado con las pistolas y balas de verdad vs las de mentiras, el papá de Pari juega Zelda en su Nintendo Switch 2 y le está encantando, beneficios al jugar videojuegos, Pari le recomienda a sus papás el juego de Cabin Factory causándole pesadillas a su mamá, el género de juegos Metroidvania y ese estilo de juego que tanto le gusta a Wisto, los nuevos juegos anunciados en State of Play como el God of War: Sons of Sparta como 16-bit, por fin anuncian remake de Metal Gear Solid 4, la anécdota de Pari donde cree necesitar una limpia shamánica y debaten de cómo es que pudieran funcionar las malas energías, diferencias entre bruja y brujo, la duda sobre Aleister Crowley de ser brujo o mago ceremonial, y terminamos con la historia de cuando Pari se desnuda en un festejo de campeonato de los Rayados del Monterrey!! Escúchanos: Spotify / Apple Podcasts / YouTube Apóyanos: patreon.com/holamsupernova Síguenos: Instagram/ Twitter/ TikTok @holamsupernova Merch: holamsupernova.myshopify.com

¿Qué pasó realmente en el caso Cumbres en Monterrey en 2006?

Mexicable tendrá 278 cabinas modernas con wifi Seis heridos tras incendio en AzcapotzalcoCinco adolescentes mueren en incendio en EspañaMás información en nuestro Podcast

Welcome back to the Bayou City Soccer Podcast. In this episode, we catch up on all the Houston Dynamo news we've missed since our last recording — including the official release of the Mission Control Kit, the hiring of club legend Wade Barrett as Vice President of Community Engagement, and Sebastián Rodríguez's year-long loan move to Liga MX side Monterrey. We also break down the final preseason matchup against the New York Red Bulls and recap the unforgettable, high-energy atmosphere at Fan Fest that same day. With the MLS season kicking off this week, we preview Houston's home opener against the Chicago Fire and share what to watch for as the Dynamo begin their 2026 campaign. All that and more — oh, and a big happy birthday to Carlos!-All that and much more in this episode!-We invite you to follow us at Bayou City Soccer!-BayouCitySoccer.net-@BayouCitySoccer on Facebook, IG, and Twitter-Hit us up using our hashtag #AskBCS-Hosts:@rudysegura3 on Twitter@crisputallaz on Twitter-Again, BayouCitySoccer.net for everything!

Durante este episodio discutimos acerca de la serie frente a Vancouver F.C., el rendimiento de las nuevas contrataciones, la llave frente a Monterrey, el momento que vive el equipo femenil y nuestras predicciones para el domingo. Estrenos lunes y jueves 8:00 p.m. hora centro de México. Síguenos en Youtube: https://www.youtube.com/channel/UCKUgzM-ueUwGTWHPifjx_8Q Síguenos en Facebook: https://www.facebook.com/profile.php?id=100093282376028 Síguenos en X: https://twitter.com/elpodcastdlm Síguenos en Instagram: https://www.instagram.com/elpodcastdelamaquina/ Síguenos en Patreon: https://www.patreon.com/user?u=95532763 Síguenos en Spotify: https://open.spotify.com/show/3tPrIVUNbhszDLBC7XJEpq?si=_brPaWW3SHaITfZqBqir3g Síguenos en Amazon Music: https://music.amazon.com.mx/podcasts/fa2a0da3-2ced-4dc3-bbc8-bd3895412680/el-podcast-de-la-m%C3%A1quina?ref=dm_sh_u8IoKWhVa2Sf2SmxxIWLVnIu6 Síguenos en Apple Podcast: https://podcasts.apple.com/mx/podcast/el-podcast-de-la-m%C3%A1quina/id1694241184 Síguenos en Google Podcast: https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy9lNDdlODZkNC9wb2RjYXN0L3Jzcw Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

* Crecen los pleitos en Morena y sus aliados* Cancelan más de mil concesiones mineras* Joven en Monterrey pone el foco en la salud mental