Podcasts about NARS

In this episode of TechMagic, hosts Cathy Hackl and Lee Kebler reunite to explore the latest in AI, tech hardware, and digital retail with special guest Dina Fierro, an Advisor and Fractional Marketing Leader. From Roblox's real-world commerce integration to Google's new XR glasses, the trio dives into how AI transforms distributed commerce, digital fashion, and the consumer experience. They also unpack wearable tech trends, spatial computing, and the ethical frontiers of AI-powered content creation. Whether you're a tech leader or brand builder, this episode delivers sharp insights on where innovation meets human connection in the future of retail.Come for the tech, stay for the magic!Dina Fierro BioDina Fierro is a visionary marketing leader with over 15 years of experience at the intersection of beauty, fashion, culture, and technology. She has held senior roles at Christian Louboutin, NARS, and Shiseido Americas, where she led groundbreaking digital initiatives across AI, social commerce, and mixed reality. Known for blending creativity with innovation, Dina has launched industry-first experiences on platforms like Roblox and TikTok. A sought-after speaker, mentor, advisor, and fractional marketing leader, she helps brands translate cultural shifts into strategic, consumer-centric growth.Dina Fierro on LinkedInKey Discussion Topics:00:00 Welcome to Tech Magic with Cathy Hackl & Lee Kebler03:00 Adventures in Big Sur: When Google Maps Leads You Astray04:30 Exploring Japan: Robotics, Culture and Innovation14:01 The YouTube AI Content Crisis: A New Era of Disinformation20:13 AI in the Workplace: Why Companies Shouldn't Replace Humans32:04 Interview with Dina Fierro: The Future of Retail & Commerce34:21 The Evolution of Distributed Commerce46:11 Future-Proofing Brand Strategy in the AI Era54:12 The Fashion Challenge of Wearable Tech58:59 Texas Social Media Laws & Gaming Platforms01:02:31 The ChatGPT Coffee Ground Divorce Story01:08:36 Book Recommendations & Looking Ahead to AWE Hosted on Acast. See acast.com/privacy for more information.

Marc Beckman is the author of Some Future Day, the Host of Some Future Day podcast, and the CEO of the award-winning advertising agency DMA United. He has executed campaigns for the NBA, Pepsi, Sony, Warner Bros. Entertainment, NARS, Washington, DC, Nelson Mandela, Gucci, and MoMA. Beckman embraces emerging technology to augment campaigns, including artificial intelligence (AI), spatial computing, and blockchain.Marc's book Some Future Day:https://www.amazon.com/Some-Future-Day-Change-Everything/dp/1648210775To watch the Full Cornerstone Forum: https://open.substack.com/pub/shaunnewmanpodcastGet your voice heard: Text Shaun 587-217-8500Silver Gold Bull Links:Website: https://silvergoldbull.ca/Email: SNP@silvergoldbull.comText Grahame: (587) 441-9100Bow Valley Credit UnionWebsite: www.BowValleycu.comEmail: welcome@BowValleycu.com Use the code “SNP” on all ordersProphet River Links:Website: store.prophetriver.com/Email: SNP@prophetriver.com

In this episode, Brogan shares her go-to makeup routine, which is one of the most requested topics from her audience. She emphasises that she's not a makeup artist and her process takes just 10 to 15 minutes. Starting with the No Filter Radiance Renewal serum for an even base, she walks listeners through her application of NARS foundation, preferring a lighter look complemented by bronzer. The episode includes tips on using Natasha Denona concealer for detailed application and highlights the importance of a clean workspace, humorously mentioning her love for sandwich bags. Join us for a fun and relatable makeup tutorial that's perfect for anyone looking to enhance their beauty routine without the fuss!

Despite a new, 90-day pause on President Trump's sky-high tariffs on goods imported from China, near-shoring and multi-shoring are leading topics on the minds of business insiders now.  But the idea of near-shoring, or moving a supply chain closer to the brand's home country, as well as multi-shoring, or diversifying your supply chain to additional regions, comes with many pros and cons.  On today's episode of the Glossy Beauty Podcast, host Lexy Lebsack is joined by Melissa Daniels, senior reporter at Glossy's sister publication Modern Retail and co-host of the Modern Retail Podcast, to unpack the nuances in supply chain pivots today (23:24).  “I'm hearing a lot of brands talk about this supply chain risk assessment that they're trying to make now,” Daniels said. “Even if it's not tariffs [prompting this], it might be something else: There was Covid that messed up supply chains, [and] certain weather events can have a huge impact on shipping and delivery, so if you are a company that has the resources to re-shore, you are looking into that much more seriously than you were a year ago.”  The two hosts share their latest reporting, including insights from brands actively looking to move their supply chains to places like Mexico, foreign manufacturers looking for U.S.-based brands to work with and the companies connecting them.  “If you're insulated by having products in multiple places, that prevents that really scary situation where you have no inventory [because of an unexpected global event],” Daniels said.  As previously reported by Glossy, many experts believe that “every purchase order is up for grabs” right now as brands rethink their suppliers. However, a future-proofed supply chain can take decades to build, so it's important to think through changes.  “This is such a relational business,” Daniels said. “Brands have a really close relationship with their suppliers and their manufacturers; they've worked together for a very long time, in some cases, and there's trust there.” What's more, there is a question over whether or not big supply chain shifts can be investigated fast enough, let alone implemented, to avoid tariffs this year. Ahead, Lebsack and Daniels discuss expected timelines, which can range from weeks to years, as well as the unexpected environmental and marketing benefits of near-shoring. But first, Lebsack is joined by co-host Sara Spruch-Feiner to unpack this week's industry news.  This includes one of the biggest brand exits of the year: Announced Monday, consumer goods company Church & Dwight is set to acquire hand sanitizer company Touchland for $700 million in cash and stock, plus a potential 2025 earnout of over $100 million. The team also dives into a new study out of the U.K. from watchdog group Advertising Standards Authority that found around a third of influencers fail to disclose their ties to brands.  And finally, a look at Drunk Elephant's sales tumble. Japanese beauty conglomerate Shiseido, which owns brands like Nars and Drunk Elephant, reported an 8.5% decline in sales on Monday. This is partially due to a 65% year-over-year drop in Drunk Elephant sales, the once golden child of the beauty industry. 

When was the last time you cried in front of someone else? Or shared a deep conversation that left you feeling fulfilled? Well friends, we've found a magical list of questions that might be the shortcut to connection. We unpack the secrets of supercommunicators. Plus - Holly's favourite lip products, a book Jessie needs everyone to read, and an article about the most wild new cosmetic procedure we've heard yet... it's our recommendations. And, our bests and worsts including a camping Nicole, a family sick-fest, and some feedback for Nana. Support independent women's media Get your tickets to the Mamamia Out Loud Live 2025 All or Nothing Tour Presented By Nivea Cellular Get your merch for Mamamia Out Loud What To Listen To Next: Listen to our latest episode: Sex Toys, Borrowing Money & A Dad's Group Chat Faux Pas Listen: The Influencer Who's Changed Too Much & Liz Hurley's Hard Launch Listen: Katy Perry, Gayle King & THAT Blue Origin Space Flight Listen: Another Little Treat: The Tyranny Of Looking Like You Haven't Tried Listen: A Little Treat: This Special Live Show Recording Spilt 10 Years of Tea Listen: The Exact Science To Keep You Enjoying Your Job Listen: A Very 2025 Diss Track. No Notes. Listen: Clare Stephens - We Have Questions Listen: A Reality TV Showdown & Coachella's Three Levels Of Cool Connect your subscription to Apple Podcasts Sign up to the Mamamia Out Loud Newsletter for all our recommendations and behind-the-scenes content in one place. Recommendations: Jessie wants you to read The Safekeep Novel by Yael van der Wouden Holly wants you to try the NARS Afterglow Lip Balm Mia wants you to check out 'Inside Australia's booming leg lengthening industry' by Erin Docherty What to read: The best new TV shows and movies to binge this long weekend. 'I used these two words constantly until someone called me out. My career changed overnight.' 'There are 6 different conversation styles. If you’re a "builder", stay away from me.' Yes, your friends are talking about you. And other lessons from the 'White Lotus Three'. GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloud CREDITS: Hosts: Jessie Stephens, Holly Wainwright & Mia Freedman Group Executive Producer: Ruth Devine Executive Producer: Emeline Gazilas Audio Producer: Leah Porges Video Producer: Josh Green Junior Content Producers: Coco Lavigne & Tessa Kotowicz Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Founder and Publisher Daniel Power started powerHouse Books in 1995, and was joined by Craig Cohen in 1996. The early years had Power and Cohen tag-teaming on a few books at a time, raising the bar each season when, in 1998, PowerHouse Books had its first best-seller, Women Before 10 A.M. by Véronique Vial. Power and Cohen followed up on that success in 1999 with the critically acclaimed cult monographs X-Ray by François Nars and Life is Paradise by Francesco Clemente and Vincent Katz. In 2000, Cohen became a partner in the company, assuming the title of Vice President and Associate Publisher, serving as Executive Publisher between 2008 and 2019. He quickly signed up for the next company bestseller, Back in the Days by Jamel Shabazz, and in the same year, he developed a packaging deal with Capitol Records to produce the Beastie Boys Anthology: The Sounds of Science. With the publishing program growing rapidly, Power and Cohen hired Sara Rosen, who served as Publicity Director from 2000 to 2009. Since then, the company has redefined the cultural landscape of the illustrated book, becoming the only U.S. independent publishing company to do so. He collaborated with photographer Larry Fink on the latter's posthumous retrospective monograph, Larry Fink: Hands On / A Passionate Life of Looking. Resources: Powerhouse Books Larry Fink: Hands On / A Passionate Life of Looking Larry Fink Altadena Photographers Support Ibarionex & The Candid Frame Websites Photo Workshops & Webinars Breaking Out of a Rut: Tips for Creating Breakthroughs in Your Photography Sponsors Charcoal Book Club Frames Magazine Education Resources: Momenta Photographic Workshops Candid Frame Resources Download the free Candid Frame app for your favorite smart device. Click here to download it for . Click here to download Contribute a one-time donation to the show thru Buy Me a Coffee Support the work at The Candid Frame by contributing to our Patreon effort.  You can do this by visiting or the website and clicking on the Patreon button. You can also provide a one-time donation via . You can follow Ibarionex on and .

In this episode of Out of the Clouds, host Anne Muhlethaler interviews Dina Fierro, creative thinker and seasoned omni-channel marketer with expertise spanning fashion, beauty and luxury. Dina is a specialist in content strategy, cross-platform storytelling and reshaping consumer engagement.Dina's career has spanned fashion, beauty and luxury, including leadership positions both agency and brand-side, including a few years where she worked with Anne at Christian Louboutin. In her most recent role at Shiseido Americas, she led the organisation's digital innovation group, partnering with portfolio brands including NARS, Shiseido, Clé de Peau Beauté and Drunk Elephant to create highly engaging consumer experiences anchored in emerging technology.Anne and Dina explore Dina's fascinating journey from her early aspirations in journalism to becoming a pioneering voice in the digital marketing landscape. Dina shares her path from launching one of the early fashion and beauty blogs in 2006, Eye for Style, to spearheading groundbreaking digital initiatives for prestigious brands. The pair discuss Dina's work creating virtual ambassadors for Nars, immersive retail experiences, and exciting gaming integrations that are pushing the boundaries of how brands in the beauty or luxury space connect with their customers.The conversation delves into the evolution of Web3, AI, and immersive technologies (with Dina offering some explanation for the meaning of the terms), examining how these tools are transforming brand storytelling. They explore the broadcast-to-dialogue shift - how brands in Web3 are moving away from one-way communication toward more interactive relationships with their audiences. Dina explains her vision for a more integrated approach to experiential marketing and how technology can enhance rather than replace physical experiences.Anne and Dina exchange thoughts on their favorite platforms in 2025, discussing platforms that really reinforce the dialogue between brands and consumers. They share insights on Substack, Reddit, and the untapped potential of audio, while expressing their mixed feelings about Meta and TikTok. The conversation also touches on the hazards of the subscription economy and makes a case for why more brands should embrace audio for deeper connection with their audiences.Throughout the discussion, Dina reveals her thoughtful approach to both personal and professional growth, touching on resilience, the importance of human connection in an increasingly digital world, and finding balance between control and vulnerability.A thought-provoking conversation that bridges the past, present, and future of digital marketing while offering valuable insights for anyone interested in the intersection of technology, creativity, and brand building.Happy listening! Selected Links from EpisodeYou can connect with Dina: Dina's Substack: Yet Another SubstackDina's Instagram: @dinafierro Other links: Daydream - AI-powered luxury shopping experienceXiidra - Multisensory VR experiencesZEPETO - Immersive metaverse-style app popular in AsiaUnreal Engine - Platform within Epic Games for photorealistic environmentsDimension Studio - London-based studio specializing in Unreal Engine developmentPatty Wilson - Renowned stylist who styles NARS campaignsVogue Business - Business publication featuring Dina's work with virtual ambassadorsRoblox - User-generated platform where NARS launched Color QuestKiki World - Co-creation platform disrupting the beauty industryDS & Durga - Niche perfume house with Spotify playlists including commissioned musicBarilla Pasta Timer Playlists - Curated music for pasta cooking timesSubstack - Newsletter platform Dina uses for her publicationLeandra Medine (Man Repeller) - Fashion writer and former blogger Dina followsAmy O'Dell - Former Editor-in-Chief of The Cut with original reporting on SubstackMarie Claire - Publication with sophisticated content strategies beyond printBloomberg on Telegram - Example of legacy media embracing alternative channelsMeta Ray-Ban Smart Glasses - Wearable technology Dina finds compellingTom Petty - "I Won't Back Down" - Song that represents DinaMichael Pollan - "The Omnivore's Dilemma" - Book that changed Dina's relationship with foodEric Ripert - Chef whose culinary memoir Dina enjoysGabrielle Hamilton - Chef and author Dina mentioned for her culinary writing This episode is brought to you by Le TrenteAre you a purpose-driven individual seeking clarity in your personal narrative? Is your brand struggling to communicate authentically with your audience? Looking for a thought partnership that transforms how you connect with the world?Le Trente is a global community that emboldens purpose-driven individuals and organizations to communicate authentically. Headquartered in Geneva but serving clients worldwide, we coach both individuals and brands through their communication journey—from identity exploration to strategy development—all grounded in mindful leadership and compassionate, holistic communication.Our mission is to be a catalyst for positive change. We inspire open-minded people and organisations to build better worlds through community-building salons, strategic consulting, mindful coaching and storytelling.Ready to transform your approach to communication and create ripples of positive change? Get in touch, we like to make magic happen. FIND OUT MORE ABOUT LE TRENTE HERE. *** If you enjoyed this episode, click subscribe for more, and consider writing a review of the show on Apple Podcasts, we really appreciate your support and feedback. And thank you so much for listening!For all notes and transcripts, please visit Out Of The Clouds on Simplecast - https://out-of-the-clouds.simplecast.com/Sign up for Anne's email newsletter for more from Out of the Clouds at https://outoftheclouds.com.Follow Anne and Out of the Clouds: IG: @_outoftheclouds or @annvi Or on Threads @annvi On Youtube @OutoftheCloudsFor more, you can read and subscribe to Anne's Substack, the Mettā View, her weekly dose of insights on coaching, brand development, the future of work, and storytelling, with a hint of mindfulness.

Recuperamos a Sergio Alejo y su saga Renovatio Imperii que bajo el título “Roma inmortal”, nos llevará de nuevo a vivir los tiempos de Justiniano, Belisario y compañía. Pero como no queremos destriparos la novela hablando de las vivencias de Vitelio, su protagonista, lo que haremos será dedicar la práctica totalidad de esta entrega de Por los Dioses a otro gran general del siglo sexto de nuestra era: Narsés. Al liberto le fue encomendada una tarea nada sencilla, arrebatar la península itálica a los ostrogodos. Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

**** VIDEO EN NUESTRO CANAL DE YOUTUBE **** https://youtube.com/live/5si01KnRs20 +++++ Hazte con nuestras camisetas en https://www.bhmshop.app +++++ #historia #ImperioRomanoDeOriente Gracias a José Soto Chico autor del libro “Imperios y barbaros” ** https://amzn.to/3wbHjT9 ** conoceremos a los generales olvidados del gran Justiniano: Narsés y Juan Troglita. Sus campañas te sorprenderán. Podeis ver "BELISARIO" https://youtube.com/live/OK32k6hKWjc Novelas de José Soto Chica ambientas en el Imperio Sasánida: TIEMPO DE LEONES https://amzn.to/3IKtqy4 LOS CABALLEROS DEL ESTANDARTE SAGRADO: TIEMPO DE LEONES II https://amzn.to/3vivgTA COMPRA EN AMAZON CON EL ENLACE DE BHM Y AYUDANOS ************** https://amzn.to/3ZXUGQl ************* Si queréis apoyar a Bellumartis Historia Militar e invitarnos a un café o u una cerveza virtual por nuestro trabajo, podéis visitar nuestro PATREON https://www.patreon.com/bellumartis o en PAYPALhttps://www.paypal.me/bellumartis o en BIZUM 656/778/825

Daniel Power of PowerHouse Books and Yolanda Cuomo of Yolanda Cuomo Design join me for my 200th episode to talk about their famed collaborations including their latest, Larry Fink: Hands On / A Passionate Life of Looking (PowerHouse). This was a really fun and enlightening episode. It is filled with great history and great humor from two incredibly influential figures in photography who also happen to be two great friends. Daniel and Yo talk about their own histories and achievements as well as the love and dedication that went into this last book they worked on with Larry Fink before he passed. https://powerhousebooks.com ||| https://yocuomo.com This podcast is sponsored by the Charcoal Book Club Begin Building your dream photobook library today at https://charcoalbookclub.com Founder and Publisher Daniel Power started powerHouse Books in 1995, and was joined by Craig Cohen in 1996. The early years had Power and Cohen tag-teaming on a few books at a time, raising the bar each season when, in 1998, powerHouse Books had its first best-seller, Women Before 10 A.M. by Véronique Vial. Power and Cohen followed up that success in 1999 with the critically-acclaimed cult monographs X-Ray, by François Nars, and Life is Paradise, by Francesco Clemente and Vincent Katz. In Fall 2006, powerHouse Books launched The POWERHOUSE Arena, a laboratory for creative thought: exhibitions, installations, presentations, displays, viewings, performances, readings, and retail therapy—all drawing upon photography and popular culture as sources of inspiration. Located at 28 Adams Street in the DUMBO section of Brooklyn, the 10,200–square foot marquis showroom and retail space is unlike any other in New York City, featuring a soaring 24-foot ceiling on the 5,000–square foot ground floor, and an equally impressive 5,000–square foot mezzanine, with over 175 feet of glass frontage, designed by esteemed architect David Howell Design. Attached by a central staircase is the Arena Skylounge, a 560 square-foot, mezzanine-level, multifunctional gallery, VIP lounge, and green room. These stunning spaces have hosted a series of landmark exhibitions and events, and are now available for private hire. Yolanda Cuomo is an experienced art director and avid educator. As Principal of Yolanda Cuomo Design, she provides the creative vision, direction, and passion behind all of the Studio's work. Cuomo and her team work collaboratively with their clients, which include leading publishers, museums, authors, editors, artists, and photographers, to develop memorable and meaningful cultural and commercial projects. Cuomo's recent projects include the design of two books with photographer Pete Souza OBAMA, An Intimate Portrait and SHADE, A Tale of Two Presidents, a seven hundred page book entitled An Anthology about Paolo Pellegrin curated by Germano Celant that accompanied an exhibition at the Maxxi Museum in Rome, Italy, a book about Bob Dylan called DYLAN BY SCHATZBERG and the book A Life In Pictures: Steve McCurry. Throughout 2013, Cuomo edited and designed a two-volume nine-hundred-page limited-edition box set, The Library of Julio Santo Domingo, which also included a special-edition iPad and private app celebrating this collection. In fall 2012, Cuomo co-authored with Norma Stevens the book New York at Night, a collection of photographs published by PowerHouse Books. In 2011, Cuomo's studio designed the enormously successful Diane Arbus retrospective which was organized by the Jeu de Paume in Paris, and traveled internationally.

Discover the latest global real estate trends and untapped investment opportunities. Keith uncovers high-yield new build rental properties that can deliver impressive returns, even in today's challenging market. Don't miss your chance to build lasting wealth through strategic real estate investing. Tune in now to get the insider insights you need to get ahead. The podcast dives into dramatic global real estate trends, with home prices skyrocketing over 10% in countries like Colombia and the Netherlands. It also examines the alarming rise in U.S. homelessness, driven by factors like housing shortages and inflation. To counter these challenges, the show spotlights compelling new-build rental properties that could offer attractive returns for passive investors. GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/536 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:02   Welcome to GRE. I'm your host. Keith Weinhold, we look at global home price change, the asset class rundown, then the homelessness crisis is mega bad. It just reached new, unprecedented levels, and real estate and inflation has a lot to do with the homelessness surge today on get rich education.   Speaker 1  0:28   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, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show. Guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from Kent Washington to Tashkent, Uzbekistan and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education. One reason for a not just national, but global, rise in real estate prices is that you can't fake it. Real property is not a derivative, yeah, you can't fake it. So this really emphasizes the word real in real estate. It's not a crypto within infinite supply. It's not an NFT. You can't fake construction. You can't fake real materials put into property, from concrete to kitchen cabinets. So in the year recently ended, as we catch up to global home prices and select nations, per Fitch Ratings. Let's do that because it was not just a US centric thing. In the Netherlands, the home price change last year was 13% you had that much appreciation in the Netherlands. Colombia, 10% Mexico up 9.3% Brazil had 8% home price appreciation. Australia, 5.2% Australia has just seen year over year home price appreciation for such a long time. The UK had 5% appreciation. Spain, 5% as well. The USA, 4% just like I predicted at the end of 2023 for 2024 It did indeed come in at 4% Canada also had exactly 4% home price appreciation last year, just like the USA did. Denmark 3% Italy and Japan each at two and a half percent. Germany home prices were up just one and a half percent. And France had home prices that fell 3% China had home prices that fell 7.8% that supply versus demand thing in China, where they massively overbuilt, that's why home prices are down there. And as I unveil the depths of the USS homelessness crisis later here on the show, you will see that, yeah, those appreciated real estate prices, like I just mentioned, they have a lot to do with it. Now you might think of the youngest generation, the generation after Gen Z, as generation alpha, and that is true. However, they are no longer the youngest generation, because the babies born on New Year's Day of this year not only got to be featured in feel good local news stories. You know what? They are, also the first members of generation, beta, yeah, which will include children born from 2025 through 2039 so that is the future and the future demographic that's going to demand housing. But first of all, let's look at a year that was yes for years here on the show, we have our asset class rundown shortly after most quarters end, and certainly after a year ends. And today is no different, and this is because at times you've got to compare real estate with the other investment options that are out there. We now have music to play for our asset class rundown feature each time for today and. Future shows. And I know the GRE sound engineer has got to like this. He's also a DJ dropit, Vedrand. Here is GRE 's asset class rundown for the 12 months of last year, residential real estate values were up 4% per the NARS. Single Family existing home price, like I said earlier, single family rents up about 2% per core logic, apartment rents pretty flat, down six tenths of 1% for the year per apartment list, office buildings were down in value 9% the 30 year fixed rate mortgage. It started last year at 6.6% everyone, I mean, everyone, thought that they would go lower, but nope, they ended at 6.9% a little higher. That's per Freddie Mac survey. The s5&p 100 index was up over 23% topping out at 6100 last year. That is the first time the s&p has been up 20% plus in back to back years since 1998 and the s&p is meant to represent 500 companies, but it has become so concentrated due to the rise of the Magnificent Seven stocks that its effective diversification is less than 60 stocks. Morgan Stanley just announced that they expect the SP500, 100 returns to be flat for the next decade due to lofty valuations. Do you know that since 2000 gold has outperformed the s&p last year, gold shot up from about $2,000 peaked near $2,800 and then ended up about 30% for last year, the yield on the 10 year T note was up 63 basis points last year, basically rising from four up to 4.6% by year end. What that means is that that signals higher inflation expectations. Bitcoin up an astounding 111% to end last year around 95k and it topped out at an all time high of 108k oil up just 2% to 72 bucks and a wild card for you. Through October, Bible sales were up 22% compared to the same period versus the previous year. That is GRE 's asset class rundown. It was.    This is get rich education. Let's drop back and do some learning before I update you on housing and the homelessness crisis. Now, a lot of Americans don't really know history that well, and not very many have a good financial education either. But you know, it is quite possible that even the next person you spot in a Trader Joe's aisle has heard of Adam Smith in his landmark 1776 book The Wealth of Nations. Did you know that Adam Smith is the one credited with actually inventing the very concept of supply and demand? Yeah, Adam Smith, a Scotsman is credited with that. He is known as the father of modern economics. You might have already known that. Well, of course, supply versus demand seems to be a more relevant concept than usual. Here with the housing shortage crisis, Adam Smith, he proposed the idea of what he called an invisible hand, that is the tendency of free markets to regulate themselves using competition, supply and demand and self interest, a Darwinian sort of struggle. Really, did you know that he also created the concept of gross domestic product? Yeah, prior to Adam Smith's work, most people considered a nation's wealth based on the amount of gold and silver reserves that they had stored. But Adam Smith said no, it's more about productivity quantified in this GDP in a lot of his work. It also discusses the evolution of human society from a hunter stage with no property rights and no fixed residences, to nomadic agriculture with shifting residences. And then the next stage after that is a feudal society, where laws and property rights are established to protect privileged classes. And finally, that modern society is characterized by laissez faire or free markets, so a good chunk of Adam Smith's work revolved around real estate. Now, the history of economics like that is a phrase that sounds boring. Maybe it is to some people, but as an investor, the least that you should know about Adam Smith's landmark book The Wealth of Nations from the year 1776 is that to review, he invented the supply demand concept. He created the GDP concept, and he championed free markets. That's something you're going to appreciate knowing in your investor life. And also supply demand, as I discussed that in the homelessness problem shortly.    we are a real estate show, and, you know, I just don't hear other real estate shows talk about, well, the unfortunate, I guess, absence of real estate in an increasing number of people's lives now, even if you have a home, learn about how homelessness is gonna make your life worse, too. In fact, it already has. I'm not sure if you've noticed, I will get into that as well. First listen to these two spots, freedom, family investments for an eight to 10% return on your liquid capital and Ridge lending group, they specialize in income property loans. They can really help you, and I would know, because I use them both my self. I'm Keith Weinhold. This is get rich education. Here you go.   Oh, geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself earn 10% like me and GRE listeners are. Text family to66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, you can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Ken McElroy  12:41   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  12:57   Welcome back. You're listening to get rich education Episode 536, I'm your host. Keith Weinhold, it is bad. America just hit a record high homelessness number, and it is up double digits, over 18% in just one year. It is even worse when we look at family homelessness and the rise in that and gosh, get this unaccompanied youth homeless, meaning like a 15 year old kid homeless and drifting by themselves. And this is all in the most powerful nation in the world. And even if you have a home. Homelessness is gonna make your life worse, too. We'll also look at how Trump wants to address this. It is major. And finally, are there any solutions to the homelessness crisis in America today? Well, there are now over 771,000 homeless in America, that's up from 653k just last year. And yes, the homeless can be hard to count, but as long as the methodology stays the same, I mean, there you go with the 18% increase. And here's the thing from all the years, from 2007 to 2023, all 16 of those years, we only saw a total increase of 19% during that entire span, and now 18% in just one year this latest year. I mean, talk about exponential and accelerating homelessness growth. And before I tell you about why this is happening, let's get a better idea of the gravity of this sad situation here, and this is all from HUD's newly released annual homelessness assessment report to Congress among subgroups families with children saw the biggest increase as. At 39% year over year. You think that's sad, but consider how sad this is. Unaccompanied homeless children, they're up 10% in just a year, and that was only up 3.4% all of the previous 16 years combined. Veterans are the only group to see a decrease, and the number of homeless people over 65 so we're talking seniors here that is expected to almost triple by 2030 that is just five years away, and it is just widespread too. I mean, nearly no US geography is immune from this spike in homelessness, from Florida to Maine to California to Alaska. Now, even if you have a home, the shoes of that are pretty good, if you're listening to me, you know, why does this even make your life worse? Well, of course, first of all, homelessness can make your city blighted. But beyond that, just think about how many ways it's just changing your week in and week out routine. I mean, have you noticed, like, just take, for example, when you or I walk into some grocery stores anymore. I mean, I notice how different things are than they were just say, five years ago. I mean, you've got to notice some of these things now, more often than there was just a few years ago, there's an armed guard when you walk into a store near the entrance. Well, someone is paying for that security, whether it's the store passing the price along to you, or whether it's a government or municipality paying that, well, that's where your tax money goes. And what about when you're shopping the aisles of a supermarket, or, say, CVS? Well, now even kind of moderately priced items like bottles of moisturizer, they are under lock and key behind a Plexiglas case. That's inconvenient while you're shopping if you need to use the bathroom, oh, now you need to go get a key or learn the door code to access the bathrooms. That's inconvenient when you're done and as you walk out of the store now, they are more likely to have an attendant that checks your receipts on the way out, and this is just one example at the supermarket. I mean, so many of your patterns are changing due to poor people getting poorer, and the homelessness crisis, if you're in a rural area, it probably affects you less. But just take a look around and notice the change. We're not talking about the change from your parents era, but just in your own life over the past, say, three to five years, homelessness is not good for an area's crime rate either. I mean, it is not good to have desperate people, hungry people, these people have nothing to lose if you're homeless and you commit a crime and go to jail. Hey, that might be an upgrade for some people now you've got a warm, clean place to stay in jail. So now that you and I understand more about why this even affects you and I let's talk about why is homelessness growing at this alarming rate, well, higher prices for real estate, which really accelerated in 2021 and they are not going to relent. As I've said elsewhere, home prices are not going to go down in a meaningful way anytime soon as just three weeks ago. Here on our forecast episode, I forecast another 5% of national home price appreciation this year. And it's not just higher prices, it's higher rents. Rents really started taking off in 2021 as well. Well. Higher rents, that means more evictions, and an eviction is the start of homelessness for a lot of people. And a third reason for this surge in homelessness is just that overall lack of housing. I have covered that extensively elsewhere. Yes, the housing supply crisis, and as I'm known for saying, the housing crash already occurred. Did you miss it? It was a supply crash that occurred about five years ago, and a lot of agencies think we're under supplied by 3.7 million housing units. Now, when you look at the new HUD supplied map of homelessness by state, you can very much see that it is about housing, because those regions with the highest home prices generally have the most homelessness. We're talking about the Northeast, the West Coast and Hawaii. And the fourth reason for the homelessness surge is that, of course, inflation started accelerating about four years ago, and people just cannot make ends meet anymore. CPI inflation peaked at 9.1% back. In June of 2022 and year over year, prices are still going up 3% today. Prices are not going down. They're just rising at a slower rate. And of course, inflation hurts the poor and actually helps the wealthy, exacerbating the inequality Canyon the wealthy have assets. Those assets float up in value with inflation and the prices at the grocery store are just a tiny part of a wealthy person spending. But the poor don't own assets that float up with the inflation and higher grocery prices and things like electric bills, well, they comprise a big part of a poor person's income. And fifthly, the massive arrival of immigrants pushed up homeless numbers these past, oh, three or so years. And it remains to be seen how many of those people really get deported. And you know, a sixth reason for homelessness. It's not something new, it's what I'll call all of these background reasons that have been there for decades and are not going away, like how a medical emergency can even drain a middle class person's savings and things like ongoing substance abuse. I mean, drug users often cannot stay employed. So there you have it. What was that? Six big reasons that I've identified for surging homelessness now let's see what Donald Trump has to say and understand that, due to last June Supreme Court decision, Trump now has got more power to clear out encampments and make life for the homeless more difficult, opening the door now to be criminally charged for trespassing and illegal camping. I mean, you really don't want to be homeless today as part of what Trump calls his agenda 47 his plan to tackle homelessness. Here is his preamble.    Donald Trump  21:57   Our once great cities have become unlivable, unsanitary nightmares surrendered to the homeless, the drug addicted and the violent and dangerously deranged. We're making many suffer for the whims of a deeply unwell few, and they are unwell. Indeed, the homeless have no right to turn every park and sidewalk into a place for them to squat and do drugs. Americans should not have to step over piles of needles and waste as they walk down a street in a beautiful city, or at least once beautiful city, because they've changed so much over the last 10 years.    Keith Weinhold  22:40   So that's the problem. Here's the solution. I'll boil down the meat of the Trump agenda, 47 homeless statement to just the most salient 40 seconds for you here. Just listen to this, and as you listen in closely, note that this is not a housing first plan for the homeless. Instead, it's treatment first.   Donald Trump  23:03   Under my strategy, working with states, we will ban urban camping wherever possible. Violators of these bans will be arrested, but they will be given the option to accept treatment and services if they're willing to be rehabilitated. Many of them don't want that, but we'll give them the option. We will then open up large parcels of inexpensive land, bring in doctors, psychiatrists, social workers and drug rehab specialists, and create tent cities where the homeless can be relocated and their problems identified. But we'll open up our cities again, make them livable and make them beautiful.   Keith Weinhold  23:43   Okay, it's not housing first, because, see, he wants to ban urban camping, something that parallels the Supreme Court decision. What this is not is that it is not giving the homeless hotels in the city, like some cities have recently done, converting their hotels into homeless shelters. Instead, this is designating large parcels of cheap land for tent cities, but outside the urban core, like in a big grassy lot, and then bringing in social workers and rehab specialists for them, and that way, his solution is that this city is free of homeless people, and really that is the crux of Trump's plan. But what are some other solutions here? And these are now my insights, not Trump's, that is, build more housing. That's really simple. I mean, this will naturally slow down, accelerating home prices and spiking rents, and we've got to relax regulation and zoning. We had a zoning expert, Nolan gray on the show here last year. Some scholars believe that we should just eliminate zoning in America completely. And one. One way to relax regulation is to Gosh, revisit some of these over the top safety concerns. I mean, look, it increases the cost of the most basic entry level housing when every home needs to have all these thick, fire rated doors and smoke detectors all over the place, and carbon monoxide detectors everywhere, and GFCI electrical outlets all over the place. I mean, hey, it sounds kind of funny to say out loud, but all this stuff contributes to making affordable housing impossible. And another solution is that you've got to kill nimbyism in a lot of cases, yes, that not in my backyard. Ism, you know, a person can act like they're all pro development, and like they're all free market, and they want to have their home built just how they want it, where they want it, but you know what, as soon as their home was built, they don't want others moving near them, yeah, somehow the free market's not so great anymore, okay? And they sure don't want apartment buildings nearby. Well, that is what we need, allowing taller structures to be built. That is called up zoning. It doesn't have to be a gigantic apartment building either. We need more, mmm, properties, multi families, missing middle. That means building more two, three and four unit structures in single family neighborhoods, duplexes, triplexes, fourplexes, because a lot of those can be built so that they look like single family homes. But yet it's something affordable and it helps with density. Another solution to deal with homelessness is to, of course, bring down inflation. The government needs to stop printing, say, $1 trillion to pay for a program, whether that's sending aid to foreign nations or whatever that program is. When more dollars are created like that, it debases the currency everyone else is holding on to, including your dollars, and it makes everyone from landlords to grocers have to raise their prices. And you know, here's the funny thing in the last election for president that we had last year, well, that administration got voted out of office, and many say that the number one reason was due to high inflation, but yet, look at what they voted for with the incoming administration. Everyone expects higher inflation. So there's a real paradox there.    On our YouTube channel, you can watch videos of me going out outdoors and interviewing the homeless. In fact, I'm surprised at how many homeless let me into their tents, and they wanted to show me their makeshift shelters and tell me about their life. I mean, that's kind of the good news. They were open. They were friendly people. I think they really wanted that to get exposed, because they were hoping that people would see that to come do something for them. I think that's why they've been so open with me. So that was good on the flip side, oh gosh. One thing that they have in common is that they all seemingly want to blame somebody else for the condition that they're in other than themselves, like the government or including telling me that landlords are greedy. But it really is fascinating to see from our get rich education YouTube channel, which is different content from this show. Just search the word homeless there on the get rich education YouTube channel and you can see it.    Hey, I want to ask you something. What is your on ramp to real estate investing? Like, how did you approach it? Or how did you get into it? I mean, mine was as a disgruntled employee. That's it. I didn't come from a complimentary professional place. I mean, that's how I became an investor, and there was nothing wrong with my job position. Specifically, I worked with good people and everything. In fact, I had an easy and safe job, and it paid a little bit well. But, you know, safe is not the place to be. Safety is the opposite of freedom. As an employee, you know, I could see that 401 K type plans. They were designed so that you don't get income from them until you're old. It's a salary reduction plan all those working years as well. Well, no wonder that your employer encourages participation in them. That way they're going to keep you working as an employee until retirement, because that's when they're designed to generate income. But see my point here, really is that I did not have a complimentary skill set to real estate investing, and if you do, it can be to your advantage. So you know what I mean. Let's take a couple of friends of. The show here, Robert Helms, host of the terrific real estate guys radio show. He came from a real estate agent family. His dad was an agent. Well, that can help you find deals. How about Ken McElroy, another frequent guest on the show here, very successful real estate investor. Well, he was a property manager before he became a real estate investor, totally complementary skill set. And by the way, two months ago in New Orleans, I was invited to participate in a collective inner circle mastermind group session that Robert and Ken help run. That was cool, but getting back to complementary skill sets, Michael Becker, a former guest here on the show, he was a lender, so he got to see the paperwork of all these successful investors. So he became one himself. I mean, as a lender, you keep seeing savvy investors leverage themselves with debt and then do cash out refinances, a tax free windfall event, all while they keep the asset too well. He wanted to get in on some of that. And I also know real estate investors that started out as handymen, okay, a hands on trade that can totally help when you're starting out as a real estate investor. So do you have a complimentary skill set that can help make you a successful real estate investor. If you don't, then don't despair, because you know what? I don't have one myself. I was just a former employee that wanted something else. I don't have a complimentary skill set to real estate investing. No transferable professional skill. Instead of that, I just became a reader, but not a massive reader. Of course, I was a learner before I was a teacher. I enjoyed learning this stuff, and I also got a good grasp on the numbers and how that works. But importantly, my advantage was I take action, I just keep adding property to my portfolio. You just got to keep doing that, regardless of what's happening in the larger economy or what prices are or what interest rates are.    And as you know, last week, I discussed the advantages of owning and building with brand new build rental property today, and you know, new build and these build to rent properties, those are things that that really wasn't even available when I started out investing. Well, it wasn't. I mean, with new build, oh, your maintenance repair costs are going to be low. You tend to attract a high quality tenant that also tends to stay for a while. Insurance costs tend to be lower on new build. And there's a bigger advantage than all of that in the market cycle right now that I'll get into shortly. Well, historically, the long run average. Do you have any idea what proportion of homes for sale are new build homes? Any guess, like, what share of those homes are new? It's only about one in eight. Yeah, the Census Bureau and the NAR tell us that it's 13% historically. Okay, well, what do you think it is today? Well, today, that number is up. Existing homeowners, they're not selling those homes aren't getting on the market as often due to the lock in effect, and we have to add supply. So in order to do that, we are building more new there's just no other way to bring it to market. Well, today, the proportion of new build homes for sale among all homes for sale is fully double that, at 26% although we're still undersupplied of homes in the US by about 30% you know there are pockets where they've overbuilt with new builds, including in Florida and Texas. So the time could really be right to expand your income property portfolio in one of those places, because builders that we work with at GRE marketplace are really willing to give you a deal now you've got them right where you want them if you're looking for a deal. How does a four and three quarter percent interest rate sound? Yes. Rates on non owner occupied property are about eight right now. They're about seven on owner occupied property, but we've got builders willing to buy your rate down to 4.75% and they're also offering one year of free property management and three months of rent guarantee protection in case your property is not occupied right away. The first one is a brand new build duplex in Inverness, Florida, two beds, two baths, each side, price of 420k projected rent from both sides at $2,830 and the size is 2100 square feet. I mean the. That sounds like it could make your cash flow thin, until you consider that 4.75% fixed mortgage rate the property tax is about one and a half percent and insurance get this projected at just $1,155 a year for an entire new build duplex, and now you might ask, what could the rate of return be on this Florida duplex new build? Well, I projected 5% appreciation for this year. New builds tend to appreciate better than existing property, but let's just use 5% if you have a 25% down payment, that's four to one leverage. So you've got a 20% return on your money. And let's just keep it conservative. When we look at monthly cash flow, that results in a 5% cash on cash return. Add that to your 20% leverage appreciation, you're up to a 25% ROI already. Add in the fact that your tenant is paying down your principal for you by $405 every month. That's 4860 annually, divided by your 105k down payment. That means you've got another four and a half percent return here. Let's just call it four. You're up to a 29% total ROI we haven't even added in yet, your tax depreciation benefit, and now you're up to a return in the mid 30s. Finally, your inflation profiting benefit on your fixed amortizing debt, and you are well into the 40s for a percent return on an annual basis. And of course, most of these are only projections. It could disappoint you at 30 or less, still a nice return, or it could over perform at 50% or more. I mean, this right here is how wealth is built. I mean, this is how you do something that disrupts your entire family tree that was the new build duplex. Then I'll share one other one with you. Here from GRE marketplace. Is a single family rental. This one is in Locust Grove, Georgia. Gosh, it looks really good in the photo here with a two car garage and some brick facing, its price is 339k rent is 2350 The size is 2164 square feet, so only a little bigger than the duplex here in this new build, Georgia, single family rental, four beds, two baths, beautiful looking new construction on the inside, open floor plan, stainless steel appliances, I can't tell whether the floor is LVP or wood laminate, but it's got a flooring type that's resilient, that tenants like, and your rate of return is going to be similar to the duplex ROI that I laid out, though probably not quite as high as the duplex. I mean, with these interest rate buy downs, these could very well be the property types where, in just five years time, maybe even as little as two or three years time after owning them, you look back and you consider how opportunistic you work in this part of the market cycle where there are now more new builds that you can choose from, and a builder was willing To make you a deal to keep their product moving, because they build a little too much in some pockets of Florida, for example. So yes, these and more like them are available, and there are more in Florida, Georgia, Alabama and a number of other states. And you know, something I don't think I shared with you earlier, it's convenient. You can get a spot with one of our GRE investment coaches right on their calendars, you can look at their calendar and pick a date and time that's convenient for you. For a free coaching session, they will learn about you. They'll let you know where the real deals are, if they're right for you at all, all you've got to do is visit GRE marketplace.com, and click on the free investment coaching area. There you are with some real opportunities and an actionable resource. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  39:17   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 you   Keith Weinhold  39:45   The preceding program was brought to you by your home for wealth, building, get rich, education.com    

Keith unveils our 2025 National Home Price Appreciation Forecast. Learn the factors driving the housing market and discover why Keith's predictions have been spot-on for the past 3 years. Gain the insights you need to make strategic real estate moves in the year ahead. Don't miss this must-listen episode packed with actionable real estate insights. The Fannie Mae home purchase sentiment index rose, indicating growing consumer confidence. Trump's immigration and tariffs policies and their potential impact on housing demand and labor market disruption. Hear about the impact of the under supply of housing in the US and the potential impact on home prices. Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” or for Spotify. Show Notes: GetRichEducation.com/533 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:00   Welcome to GRE I'm your host. Keith Weinhold, today is the day that I'm giving you our 2025 national home price appreciation forecast. You'll get the exact percent that I expect home prices to rise for Fall next year. Learn the factors that really move prices. Importantly, I follow up and you get the results of previous years forecasts too. Will it be a holly jolly forecast or more Grinch like today on Get Rich Education.     Mid-south home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive. Cash Flows, an A plus rating with a better business bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   you know, whenever you want the best written real estate and finance info. Oh, geez. Today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now just text GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866.   Corey Coates  3:12   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  3:28   Welcome to GRE from North port, Florida to North Pole, Alaska and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education episode 533 Yes, your favorite slack jawed real estate podcaster here is indeed the GRE founder. I'm also an active Forbes real estate council member, best selling author. I write our weekly Don't quit your Daydream newsletter. And perhaps most importantly, I am an active real estate investor, I am here to help you invest well in real estate, and that is because most Americans have enough saved for an absolutely incredible single day of retirement. Look the content that you choose to listen to will shape your behavior, it'll even gradually alter your identity over time and forge your dreams. Middle class financial advice will keep you squarely in the middle class. They get robbed of the fruits of their labor through taxes. Get robbed of their purchasing power through inflation, and they get robbed of their financial future by staying financially illiterate. I mean, if you're grinding hard and sacrificing experiences to be debt free at 36 well then that means you aren't using other people's money. You, it confirms that you've got no leverage. Why celebrate that? Celebrate financial freedom or a great vacation, or, you know, anything else, like with your friends and family to the Canary Islands. I mean, that's stuff that's worth celebrating, that's extraordinary in this one and only life that you got. I love the old African proverb, if you want to go fast, go alone. If you want to go far, go together. You and I are on this journey together. Dream of living the life where you just give a light touch to some of your investments while they are building your wealth, just adjust the sales of your ship a little here and there. Now. We'll get into the big picture real estate forces in my exact percent home price appreciation figure shortly. But doesn't that sound amazing where you can just do this? I mean, that's what I do. I just give a light touch to my investments. For example, at the beginning of this month, I looked at the statements as they came in in emails from my property managers in various real estate markets, like I usually do now when you have a perfect month as a real estate investor, US landlords, or should I say, housing providers, acknowledging last week's show we develop our own vernacular. A perfect month is when you have 100% rental occupancy and no repair items. Once though you have more than about five rental units, it's hard to ever have a perfect month. It's always good to budget something toward long term vacancy and maintenance. But I had a pretty good month last month. For some reason, my properties needed a few new appliances, a replaced fridge. Here, a new microwave. There, a lot of appliances like a fridge, you know, they can still look pretty close to new, even if they're used. That's fine for a rental. This was just a $280 fridge replacement, for example, in this one rental, single family home of mine. So yeah, just that monthly scan of your property manager statement, seeing that income and expenses look kind of reasonable to you, and then going about your day and the rest of your month. Now, it wasn't always that way for me. As I started and grew, I self managed my own properties for the first six or seven years, and sometimes, you know, something will happen where I want to get more proactive and maybe take, say, a 90 minute block of time to shop for lower insurance premiums if I see those rates rising in a certain market or something like that, but that's how it feels to give a light touch to your active direct real estate investments. Keep that going, because this is all happening while you keep other people's money working for you, the banks, the governments and the tenants.    Hey, something that's become newsworthy, an index measuring consumer confidence in the housing market, rose again last month, and that is the latest sign that potential property buyers and sellers are growing more accustomed to today's mortgage rates and prices. The Fannie Mae home purchase sentiment index that has now increased to 75 points. So the index has risen 11 points or more than 16% in the last year. So there is, however, not one shred of evidence, for example, that sub 3% mortgage rates are coming back anytime soon, maybe not even in this decade or in your entire lifetime. Who really knows? I mean, it's soon going to be three years since the Fed began their aggressive rate hiking cycle and the market and consumer expectations are finally adjusting and settling down, and that right there that factors in just the touch to the housing forecast that I'm going to deliver to you today. And before I get into that, since we are get rich education, do you know what the federal funds rate is like, what it really means? Let me explain this to you in a way where I think you'll not only learn, but I'm going to give you an example so that you can actually remember it. And I'm going to over simplify it, the federal funds rate, that thing that Jerome Powell and his committee set, that is the rate that banks pay other banks to borrow from each other. It's a little over 4% right now. Okay, let's just say it's 4% here's why the federal funds rate is typically lower than mortgage rates. Say that Wells Fargo pays bank of America this 4% federal funds rate to borrow so that Wells Fargo can then turn around and lend the funds to you for a real estate mortgage loan. All right. Well now you can see that Wells Fargo had to pay Bank of America 4% that's why, when you go get your real estate loan from Wells Fargo, you can understand and see why they'd have to charge you, say, 7% in order to make a spread. That is why mortgage rates are higher than the federal funds rate. Wells Fargo made the spread of 3% because they borrowed at four, and they lent it to you at seven, and you yourself you borrowed at seven because your tenant pays your interest and principal for you, and you get the leverage and all of the other benefits. So again, the federal funds rate is the rate that banks pay when they borrow from other banks, and since they need to make a spread arbitrage, this is why mortgage rates are higher. Again, that's oversimplified, but I think that's a way where you can really remember what that is and why that is that way. All right.    Well, with that lesson understood, let's talk about the big national home price forecast for next year. And here's what's interesting. Look at the forecasts that my peers have made. All right, I've already got the forecasts from 16 other housing analytics platforms here, and they have all predicted that home prices will rise next year, all 16 of them, but they've all forecast something different. And everything we're discussing today, by the way, is nominal, meaning, not inflation adjusted. All right. Note that the average of all these platforms, all 16 of them, is a 2.8% gain for next year. All right, if you look at all of them the range, the highest is Goldman, Sachs at 4.4% and the lowest is Moody's Analytics at just 310 of 1%   I'll tell you now that my forecast today, it wouldn't even fit on this chart, it is going to be off the chart. And this is something that might ramp up your intrigue. Maybe you think I would look at this and choose something safe, and since I have the benefit of seeing how 16 others have weighed in that, I'll just pick something in the middle of that. Oh, no, not at all. This is an independent forecast. So since our forecast is off the chart, then that means that what I'm going to tell you today either has to be higher than the highest, which is that 4.4% from Goldman Sachs, or lower than the lowest, which is that 310 of 1% from Moody's. Yes, it is outside of those brackets, busting the bookends today. And as I lead up to it, I will detail the reasons why the calculus that went into this forecast. So before we're done, yes, you will get the exact percent number that I expect existing single family home values to increase by or decrease by next year. It is the fourth straight year that I'm doing this. And now a lot of people make whimsical predictions, you know. But today, you're gonna get something that you rarely, if ever get accountability, because I'm also going to show you the results, you'll see how well my forecasts have actually performed each of the past three years. Sheesh, don't you wish everyone followed up on the prediction that they made now, oh gosh, most housing price crash Predictions Fail Faster than your average New Year's resolution. All right, we need first historic context in order to put this future that we're talking about into perspective. Let's look at how bad other predictions have been this is something that Yahoo Finance recently pointed out, the year by year, reasons that people thought housing prices would crash Since 2012 so we're talking about the past 13 years here, starting in 2012 it was shadow inventory. Remember that that never came true. 2013 higher mortgage rates. 2014 in that year. People thought that housing prices could tumble hard because QE was ending in October of that year. That is quantitative easing, which is dollar printing. I mean, basically QE, that's just the Genteel way of saying inflation. In 2015 they thought a manufacturing recession would make home prices crash. In 2016 home prices were back to their pre global financial crisis high. Well, people thought that seemed shaky. In 2017 I don't know what it was. No one had a good reason. But the word crash just gets attention, so some media tried to scare people with that headline. Anyway, in 2018 it was mortgage rates went from 4% up to 5% seriously like that was the top reason. In 2019 it was that home price growth was cooling off in 2020 of course, it was the COVID 19 pandemic in 2021 it was mortgage forbearance in 2022 it was that mortgage rates hit 7% that was the first time we saw those in a while, even though 7% is still below the long term average of seven and three quarters percent in 2023 it was historically low housing demand. People thought that would bring down real estate prices. In 2024 it was sustained higher mortgage rates and an uptick in inventory. And what's it going to be in 2025 I don't know. Clickbait artists will have some other farcical reason why home prices will crash. Just watch, all right, well, with that, look back every year since 2012 of course, real estate prices definitely don't always go up. In fact, when we look at a longer term history, the national home price appreciation rate every year since World War Two. Like I told you on a previous episode, there were only two periods where home prices fell, that's over a period of 80 to 85 years. There was just 1% attrition in 1990 and then the only appreciable loss period, of course, were those years around the 2008 global financial crisis, where you really probably could consider that an all out crash, prices were down more than 20% nationally, more than 40% 50% in some markets, all right. Well, how did that concerning period compare to now? Well, 2008 is when conditions were largely opposite of what they are now that is back 2008 we had an oversupply of homes, and it was all supported by poorly underwritten mortgages, meaning the borrower really couldn't afford the payment. And also that's when people had low or no equity in homes, so they just walked away, so borrowers had no equity to lose, nor any credit score to protect, and it was oversupplied there about 17 years ago. I mean, that era was so bad and also such an anomaly, that home prices actually fell below the replacement cost, if you can believe that, meaning that you could ostensibly buy existing property for less than the cost that it would take to build a property, then all right. Well, all three of those conditions are opposite. Now today, we have an under supply of homes. Secondly, we have carefully underwritten mortgages, and thirdly, we have record high equity positions, about 300k on average. People are not walking away from that unless things got absolutely dire. All right, with that historical context. So here we are building up to my factors for the forecast, and then the big reveal of the percent figure here, before we're done, to be clear, what I'm providing is the projected sales price of existing single family homes per the National Association of Realtors, stat set. All right, so why existing? And not include the new builds into that? Well, first of all, there are way more existing home sales. Then there are new build sales each year. And see, the thing is, though, that tracking new build that really skews the numbers, because what can happen is, one year, you might have a ton of luxury new build homes. Well then that skews the numbers up too much. Or then there's the more nascent trend of what's happening lately, building smaller homes this past year in order to help with affordability and building smaller that can skew the numbers down. So sticking with existing homes that allows us to keep things more same same. Today, you'll learn about what goes into my forecast and the factors that actually don't matter as much as you would think, like the incoming Trump administration. You'll also hear an important clip from Trump in a few minutes for the second week in a row, I'm bringing you the show from a fairly interesting place, Anchorage, Alaska. This city of 300,000 people, is at sea level. The west side is confined by a coast. The east side is confined by mountains. It's a modern US city. There are high rise buildings and convention centers and freeways and a really convenient International Airport. What's interesting about being in America's northernmost city right now? Anchorage is. That Saturday, just a couple of days ago, that was the winter Equinox for half of the globe, the entire northern hemisphere. And here, the sunrise time is about 10:15am, and sunset about 3:45pm, that right there is just five and a half hours of daylight. That's it, but it feels like more than that. It feels closer to perhaps seven plus hours of daylight, because at high latitudes, the sun barely drops below the horizon, so therefore you get more Twilight on either end of sunrise in Sunset. Well, this is a real estate show, so I hope that's not too much of an astronomy lesson for you here. But anchorage can never get 24 hours of daylight or darkness, because it simply is not far enough north. In fact, when I fly from, say, the center of the 48 states out here. I travel more west than North. The thing for you to remember is that the only places on the globe that can get 24 hours of daylight and darkness are inside the Arctic and Antarctic circles. They're at 63 and 1/3 degrees of latitude or greater, and Anchorage is just 61 I've been skiing here, but suffice to say, with a lot of darkness, it's been a good place for me to study research and put my effort into this forecast that I'm sharing with you today, which you'll hear after the break.    This week's episode is supported by ridge lending group. It's the same place where I get my investment property mortgages and refinancings, you can go ahead and originate your loans at the same place I get mine, that is Ridgelendinggroup.com.  Also freedom family investments, you can make a loan and get a stable return of 7% 8% or Even 10% yet still have some measure of liquidity. Why park your funds at a bank? You can learn about their private money loans by texting FAMILY to 66866, if you want 8% or more on your money while it's on your mind, just text FAMILY to 66866, and see if it's right for you. I'm your host. Keith Weinhold, more next you're listening to get rich education.    Oh geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk. Your Cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself, earn 10% like me and GRE listeners are text FAMILY to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text, FAMILY to 66866.   hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they've provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Tom Wheelwright  24:08   This is Rich Dad Advisor Tom Wheelwright. Listen to Get Rich Education with Keith Weinhold, and Don't Quit Your Daydream.   Keith Weinhold  24:24   welcome back to GRE. I'm your host. Keith Weinhold, with the factors that are weighing into my home price appreciation determination for next year. Here now all of these factors matter, but I'm generally going to start with less weighty factors and proceed more toward the weighty factors Trump tariffs. Could Trump tariffs increase materials costs, the cost of materials that go into homes? Well, yes, of course, they could. Could it also increase the labor costs that go into those homes, if, say, businesses decide to onshore. Sure in order to avoid paying the tariffs, yes, and you would have to pay a higher wage to Americans. That's obviously inflationary, but applying tariffs is slow, and it takes a long time to trickle through, okay? But here's the thing, even the threat of tariffs can produce inflation, and we already have the threat that's something real. And now see if you're a consumer and you want to buy a new washer, dryer set or a microwave, well, you're more motivated to do that today, not in a year, because this threat of tariffs might mean that that appliances price will spike. You might want to buy your new car now, if you anticipate the terrace could be coming and it's going to affect that well, the apartment building owner feels the same way before she or he buys 48 washer dryers for their apartment building. Home Builders and remodelers they want to get their materials orders in now, in some cases, whether that's for concrete, drywall, lumber, any component that goes into a home where they think that a tariff could jack up the price, you really need to be paying attention to whether you think this is going to happen or not. So Trump likely means more inflation, and that correlates also with sustained higher interest rates of all kinds, including mortgage rates. And there's no certainty there. There is just that correlation. Now, a lot of real estate investors anticipate that a president with a real estate investor background like Trump Has he is going to return 100% bonus depreciation and extend his tax breaks, okay, all of these things, especially that bonus depreciation, can really enhance your tax situation, but that's not part of the home price appreciation forecast for next year. Okay, we're just looking at next year here. How about mortgage rates? How is that going to factor into home prices for next year? Mortgage rates hardly matter. And the newer listener that you are, the more of a surprise that is, rates are about 7% now, a lot of experts think they're going to go to 6% in a year. But who knows? I mean, a year ago, everyone thought rates would be substantially lower today. But here's the thing, it's not just a who knows. It's almost a who cares about what mortgage rates will be when it comes to prices. Because, like I've shared with you before, since 1994 mortgage rates have risen 1% or more seven different times, and home prices went up all seven times.  Long time listeners like you, you already know this, so for the complete backstory on the why, you can listen to earlier episodes, but the short story is that higher rates, you gotta look at what's happening when there are high rates that's a confirmation that the economy is strong, and when the economy is strong and people feel secure in their job, what do they do? They buy a home. So mortgage rates matter, but a person's personal economy matters more when they make a decision to buy a home or not. A sharp fall in rates that correlates with a recession. So higher rates usually lead to higher home prices, something that almost everyone in real estate thinks of oppositely. On weeks with lower rates this year, we did have lower housing inventory, and with higher rates, we had higher inventory. So that did affect that the next factor is more important than tariffs and mortgage rates, and that is Trump and immigration. Okay? Because this affects the supply versus demand component of housing, something supremely important. Well, more immigrants mean more housing demand, pushing up prices and on immigration, who really knows how many of this surge of fresh immigrants are going to be deported? Will it only be the illegals, or will it be others? Or will it be none at all? Or will it be something else, will trump deport everyone? I mean, that is not easy to do, and it's really expensive. Here are Trump's latest public remarks on how he's going to treat recent immigrants to the US. The interviewer is Kristen Welker from NBC, and she's heard shuffling some papers here too. So don't let that throw you off as you listen to Trump.    Speaker 1  29:39   You raised the point that the logistics are complicated. You said yourself, everything's gone. You mean you need 24 times more ICE detention capacity just to deport 1 million people per year, not to mention more agents, more judges, more planes. Is it realistic to deport everyone? First of all, they're costing us a fortune, but we're starting. With the criminals, and we got to do it, and then we're starting with others, and we're going to see how it goes   Keith Weinhold  30:06   well there, before Trump's first day in office for his second term, see he's already saying we'll see how it goes with deporting immigrants. He now realizes how costly that is. If there is mass deportation, housing demand goes down, but we'd also have fewer laborers, which a lot of those immigrants are, to build the new housing that our country needs. So there's somewhat of a canceling out effect there. It could mean higher home prices because it could even mean higher home prices because most fresh immigrants are renters. They aren't occupying homes that they own anyway, and just how many people we're talking about here, the Pew Research Center estimates that 13% of construction workers are undocumented. That disruption to the labor market that can produce higher inflation, because the slowdown in home building means less supply and higher prices. Now let's get to the biggest factor before I provide my track record, and then the big number, and that is more on the housing supply versus demand. So yeah, it's really fundamental economics. That's the core driver of next year's anticipated home price change. All right, let's start with supply. How undersupplied of housing are we still in the US? Well, an update on the Fred active listing count, and this is for single families, condos and townhomes. It's that we are up off the bottom, but we're still a good 40% or so below the equilibrium point where demand meets supply. America grew its available inventory 27% this year, pretty significant, and next year, it might grow another 15 or 20% that's my best guess. All right then, well, let's try to project future supply by what you have to do is look at new housing starts. That means shovels in the ground. That means taking a backhoe and excavating for spread footings, digging that trench that you're going to pour concrete into, starting homes from the ground up. Well, we don't have enough starts either not enough. In fact, we could be digging a deeper hole with the under supply at our current level of building, US housing under supply will grow by over 200,000 homes per year if we continue at this low level of building. And would you consider all housing types, single family homes, apartments, mobile homes, condos, ADUs, everything? Freddie Mac estimates that we are currently under supplied by a whopping 3.7 million housing units. Now, you probably heard figures like that before, but let me put it into perspective. At two persons per home, our shortage is greater than what could house the entire population of Libya. That's what we're talking about here. And some agencies estimate we're even more undersupplied than the 3.7 million homes. Now, of course, I'm making only a national forecast today. There are regional variations in some Texas and Florida sub markets, they have built plenty of new build single family homes now, let me tell you something scary. What if your income dropped by a third, making 1/3 less in the future than you do right now? Like that would be a moment of panic for a lot of people, you and your family, as you hold that thought when it comes to supply, this year had historically low home sales. When I talk about sales, these are not prices. This is different. This is the volume of sales. Next year, there will likely only be a few more sales than this year, and there weren't many this year. Now see for you, as an individual real estate investor and a consumer that goes grocery shopping, you know, you are interested in real estate prices, but the industry, if you work in the industry, like as a builder or as a real estate agent or even a furniture provider, they are more concerned about the number of home sales. This sales volume that I'm talking about, and here's what's going on, normal is about 5 million home sales per year. It was over 6 million during the pandemic, and now we're down at 4 million. So I mean, in a short period of time to go from 6 million down to 4 million, that is a drawdown of transactions by a third. So just imagine if you are a home builder or a real estate agent, or you're in the retail furniture business and your volume is down by a third. I mean, what would happen to you if your income were down by a third? And you're in one of those industries and you don't have a way to pivot, so that is scary stuff for that subset of people. Well, while all of that was happening to sales volume, lower and lower volume. Home prices have just kept ticking up these past few years. All right. Well, that was supply, and there is one last factor to weigh before I reveal the forecast number, and that is demand. There is a long way to go before there is enough housing inventory for the pent up demand in the housing market, pent up demand from these people that can't quite afford a home. Demographics is destiny. You know, it is one of the easiest things to project, because demographics is a known forget immigration here, because I already talked about that just domestically, the US had its own high birth rate years from 1990 to 2010 and most people don't know about this. Many of those years between 1990 and 2010 there were over 4 million births annually, and that peaked in the year 2007 All right, you might be wondering, so what? That's the past? What about the future? Well, in housing prices, that right there is the future, with today's first time homebuyer now being a record 38 years old, like I told you about a few episodes ago. Alright, if you add 38 to the year that they were born, 2007 that home buyer demand won't peak until the year 2045 so that is a big part of where the demand just keeps coming from, and is going to keep coming from this wave of demographic demand that might not slow down much until the 2050s and what could slow prices is if a major recession that included a lot of job losses were eminent, that could slow home price growth. But nobody expects that. you know something, on future demand, What if health and fitness influencer Brian Johnson is right, and Earth now has the first generation not to die. What would that do to real estate prices? Have you ever thought that through that would really expand housing demand, but that wouldn't affect things for a couple decades. All right, well, let's talk track record and understand that it is pretty difficult to predict the future, and I have made all these forecasts at the end of one year, just before the forecast year even starts, just like I'm doing today, and here's how I've done at the end of 2021 for 2022 I forecast 9-10% home price appreciation the year ended, and in 2022 they came in at 10% so I got that one right. For 2023 before that year even began, I forecast 0% just that home prices would stay flat. And by the way, so many people were calling for a housing price decline that year because mortgage rates had risen. But as we know here on the show, when mortgage rates rise, home prices typically do too. And I also said back then was supply so low, I don't really see how home prices could fall. Well, the year ended, and sure enough, they came in at 0% and all of this is published in on record. You can go back and find all this, in fact, for 2024 you can hear the forecast that I made near the end of last year for 2024 and you could do that by going back and listening to Episode 481 this is episode 533 that was 52 weeks ago, and you will hear that my forecast back then for this year's home price appreciation was 4% this year is not quite over, plus housing data lags somewhat, in fact, through October, however, they were 4.1%   we've almost got that November number, not quite, but it's very likely going to end up being 4% this year, just like I had forecast at the end of Last year, but it's still officially to be determined. Before I gave the awaited fresh forecast for next year with what looks to me like really nailing the forecast spot on three years in a row now you might be wondering something, how did I know? How did I have the foresight to know that and nail those. Forecasts. You know, at this point, I have to concede that there's probably a little luck that has come into play, but this is what I do. I study research and even participate in the National residential housing market. What you're getting is my best estimate. It's not any sort of promise or guarantee. I mean, like all other 8.1 billion human beings on earth, I don't have a crystal ball, and a streak like this has gone on for three years, but it cannot go on forever. So this is what I can best surmise. So really, for 2025 The short story is that I expect more buyers than homes, which creates bids and buoyant prices. I also expect continued inflationary pressure. Those are the two chief factors that went into this. We don't ever revise our forecast mid year. This is it. For 2025 I expect home prices to increase by 5%. Yes, there it is 5% projected appreciation for next year. And to be clear, that is the NARS national median existing single family home price, the same stat set that I have cited all four years again, it is nominal, meaning, not inflation adjusted, so at Christmas or New Year's or your next dinner party, when You see your slack jawed brother in law that thinks the housing market is always going to crash, give the dude a hug and a turkey leg and tell him that I expect plus 5% and pass me the wishbone for good luck on our fourth consecutive housing price appreciation forecast, I really hope that this helps with planning your own portfolio moves, whether that's you owning more income property next year or doing a refinancing, or how you think about your own primary residence. And do you like the forecast that I've done here near the end of each year ever since 2021 if you do let us know, write us or leave us voicemail at get rich education.com/contact let me know you can always get a hold of us there year round with any type of feedback or questions.    Hey, if you appreciate this show here, do you think that you could help me out in one small way? Call it my Christmas gift request. There's only one item on my Christmas list, and it should only take a couple minutes of your time and none of your money. Leave a podcast rating and review for the get rich education podcast on Apple podcasts or Spotify, or wherever you listen, the rating is the five star thing. The review is a few short sentences about why you like the show. I would really appreciate the gift from you, and I will read your review myself too. If you don't know how to do it right inside those listener apps, just open up a browser tab and search how to leave an apple podcast review, or Spotify podcast review, or whatever platform you prefer to listen on it would feel like a little Christmas gift to me after all these years, I'd love your feedback given that way. Tell me what you think, and thanks from me and the entire team here at GRE Merry Christmas and Happy Holidays. Until next week, I'm your host. Keith Weinhold, don't quit your day dream.   Speaker 2  43:46   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  44:06   The preceding program was brought to you by your home for wealth building. Get rich education.com    

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Today's guest is makeup artist James Boehmer, whose dreams took him from St. Louis, Missouri, to New York, to Japan – working at one of the most influential makeup brands in the world: Nars. In this episode James shares how he got to where he is today but also shares where he started, as a little queer kid growing up in St. Louis and watching glamazons such as Donna Summer and Debbie Harry on television. James shares some amazing stories from the late ‘90s when he first began working for Nars and how his entire life changed when he moved to Japan after the brand was purchased by Shiseido in 2000. James also shares on the differences between living and working in hectic Manhattan to the quieter, slower surroundings of Connecticut and how he's finding the early days of opening a new store, Peggy Mercury. I would love to know what you think of this one, so don't forget to let me know in the DMs over on Instagram @charisse_kenion, or find me on Threads at @charisse_kenion. You can also share your thoughts by commenting on my Spotify page now! Also, don't forget to follow or subscribe to the show so you never miss another episode and be sure to subscribe to my YouTube channel too, link in the shownotes. Links Find James on Instagram: https://www.instagram.com/jamesaaronboehmer Follow Peggy Mercury on Instagram: https://www.instagram.com/itspeggymercury Shop James' skincare faves: https://shopmy.us/collections/985162 Find me on YouTube: https://www.youtube.com/@CharisseKenionYT Find me on Threads: https://www.threads.net/@charisse_kenion/ BeautyMe newsletter: https://beautymenotes.substack.com Find me on TikTok: https://www.tiktok.com/@charissekenion BeautyMe on ShopMy: https://shopmy.us/beautyme   

In this episode of Skin Anarchy, Dr. Ekta chats with Shirley Pinkson-Mañas, co-founder of Well People and Head of Education at e.l.f. Beauty, about her pioneering journey in clean beauty. Shirley's career started as a makeup artist with brands like MAC and NARS, where she developed a passion for quality ingredients and transparency. After realizing a gap in clean beauty products, she co-founded Well People in 2008, with a mission to make effective, safe, and socially responsible cosmetics accessible to all. Well People's ethos is grounded in performance, skin health, and ethics. Shirley discusses the brand's commitment to transparency, educating consumers without fear tactics, and ensuring safety by banning over 2,500 ingredients. Well People was the first color cosmetics brand to receive EWG verification, reinforcing its dedication to transparency and consumer trust. With innovative multifunctional products, like their Supernatural Complexion Stick, Well People has continued to raise the bar in clean beauty. Shirley also shares the challenges of being a Latina, LGBTQ+ founder and the importance of perseverance and staying true to values in the face of industry obstacles. Her insights on today's conscious beauty consumers, particularly Gen Z, highlight a growing demand for ethical and effective products. Through Well People and e.l.f. Beauty, Shirley is shaping a future in beauty that champions integrity, sustainability, and empowerment. Tune in for an inspiring look at how clean beauty can transform both industry standards and consumer choices.To learn more about Well People, visit her website and social media. Don't forget to subscribe to Skincare Anarchy on Apple Podcasts, Spotify, or your preferred platform. Reach out to us through email with any questions.Shop all our episodes and products mentioned through our ShopMy Shelf! Hosted on Acast. See acast.com/privacy for more information.

Great news: it's never too late to start creating content online! But there are plenty of traps and pitfalls that can trip you up on the way. That's why we're here to spill our beauty content creation secrets that we wish we knew sooner. And, we share our biggest beauty regrets—the ones we desperately wish we could undo and the invaluable lessons they taught us... Plus, discover the new concealer that's become Lucy's ultimate favourite and the supercharged serum that gave Kee's skin an "epic plump." LINKS TO EVERYTHING MENTIONED:  PicturePal Silicone Sticky Phone Case $29 NARS Radiant Creamy Concealer $53 BOUJEE:  NARS Soft Matte Complete Concealer $53 BUDGET: Alpha-H Vitamin B Serum with 0.5% Niacinamide $39.95 SUBSCRIBE:  Subscribe to Mamamia Sign up for our free You Beauty weekly newsletter for our product recommendations, exclusive beauty news, reviews, articles, deals and much more! Want to try our new exercise app? Click here to start a seven-day free trial of MOVE by Mamamia  GET IN TOUCH: Got a beauty question you want answered? Email us at youbeauty@mamamia.com.au or send us a voice message, and one of our Podcast Producers will come back to you ASAP. Join our You Beauty Facebook Group here. You Beauty is a podcast by Mamamia. Listen to more Mamamia podcasts here. CREDITS: Hosts: Kee Reece & Lucy Neville Producer: Cassie Merritt Audio Producer: Lu Hill Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Johnny and Kevin countdown the Top 30 dirtiest and most controversial makeup shade names! Your jaw will drop when you discover shades from Kat Von D, Jeffree Star, and Kylie Cosmetics that make NARS' iconic “Orgasm” and “Climax” feel tame! They dissect the problematic nature of these products being marketed to minors amidst TikTok's viral beauty fever. They also discuss how uncomfortable it was selling these products as Sephora employees and the passing of beloved Charmed actress Shannon Doherty.

In this episode of the TNT Business Podcast, your hosts KT and Kent Temple break down the recent NARS Settlement that's set to shake up the real estate world. We'll dive into what this landmark settlement means for agents, brokers, homebuyers, and sellers alike.Wondering how commission structures will change? Curious about how this will affect real estate transactions? We've got you covered. KT and Kent share their insights and practical tips to help you navigate these changes and stay ahead in the game.Join us as we chat about:The key points of the NARS Settlement and why it matters.How the settlement impacts commission transparency and protects consumers.Tips for real estate pros to adapt and thrive under the new rules.What this all means for the future of the real estate market.Whether you're a seasoned pro or just starting out, this episode will give you the scoop on what you need to know. Tune in and stay ahead with the TNT Business Podcast. Don't miss this must-listen episode on the NARS Settlement and its impact on real estate.

Model, reality star, and Miss Universe finalist Vakoo Kauapirura is a true makeup connoisseur. With her experience in makeup artist chairs, on campaign sets, and creating content, she has mastered what makes makeup mesmerising and what makes it miss the mark. Today, Vakoo shares her industry secrets, including how to discover your true undertone, the most pigmented blushes that flatter everyone. Plus, a crucial conversation about representation in the beauty industry, and the brands and products that are setting new standards. LINKS TO EVERYTHING MENTIONED:  NYX Micro Brow Pencil Espresso $19.99 M·A·C Cosmetics Studio Fix Fluid Foundation SPF15 $72 NARS Radiant Creamy Concealer $53 RARE BEAUTY Stay Vulnerable Melting Blush $43 Mco Beauty MIRACLE FLAWLESS SKIN FOUNDATION (As Contour) $35 M·A·C Cosmetics Lip Pencil $38 FENTY BEAUTY Killawatt Freestyle Highlighter $61 Anastasia Beverly Hills Micro-Stroking Detailing Brow Pen $41 Anastasia Beverly Hills Dipbrow Pomade $35 FENTY BEAUTY Hella Thicc Volumizing Mascara $35 KISS Products So Wispy Lashes $24 Ardell Wispies Multipack $32.99 NYX Professional Makeup Make Up Setting Spray $18 Morphe Continuous Setting Mist $28 SUBSCRIBE:  Get $20 off for our birthday with code BEAUTYBIRTHDAY. Click here to get a yearly Mamamia subscription for just $49.  Subscribe to Mamamia Sign up for our free You Beauty weekly newsletter for our product recommendations, exclusive beauty news, reviews, articles, deals and much more! Want to try our new exercise app? Click here to start a seven-day free trial of MOVE by Mamamia  GET IN TOUCH: Got a beauty question you want answered? Email us at youbeauty@mamamia.com.au or send us a voice message, and one of our Podcast Producers will come back to you ASAP. Join our You Beauty Facebook Group here. You Beauty is a podcast by Mamamia. Listen to more Mamamia podcasts here. CREDITS: Host: Lucy Neville Guest: Vakoo Kauapirura Producer: Cassie Merritt Audio Producer: Lu Hill Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Why have brands like Prada, Dior, Fendi, Nars, and Charlotte Tilbury created 3D immersive stores to engage with their online shoppers? Simply put, money, money, money. In this episode, Marc sits down with Neha Singh, the founder of Obsess and a former tech lead at Google and head of product at Vogue. They discuss Neha's unique journey from computer science to fashion, her innovative work at Vogue transforming its digital presence, and the creation of her startup, Obsess. Neha elaborates on how Obsess is revolutionizing online shopping through 3D immersive experiences, the importance of these innovations for modern consumers and brands, and the benefits of integrating such technology into marketing strategies. The episode also touches on the potential future of digital assets, gaming platforms, and how immersive technologies can enhance superfan experiences with celebrities.Sign up for the Some Future Day Newsletter here: https://marcbeckman.substack.com/Episode Links:LinkedIn: https://www.linkedin.com/in/neha-singh-679a9b17/Obsess: https://obsessar.com/To join the conversation follow Marc Beckman here:YoutubeLinkedInTwitterInstagram

If you're a millennial or spend a lot of time online, you've probably come across Lana Kington. She's a trailblazing comedian and actor known for her sketches and online content that keep her going viral (regularly.)  Today Lana's sharing her anti-hacks, and what not to do if you want great makeup. She's sharing her simple, paired back and foolproof approach to beauty that keeps her feeling comfortable in her skin.  LINKS TO EVERYTHING MENTIONED:  NARS Radiant Creamy Concealer $53 Ere Perez Oat Milk Foundation $62 Anastasia Beverly Hills Cream Bronzer $55 Mcobeauty Instant Contour Cream Bronzer Light/medium $29 RMS beauty Lip2Cheek Illusive $60 Westman Atelier Baby Cheeks Blush Chouchette $80 NUDESTIX Nudies Matte All Over Face Color Blush $60 UK Lash Eyelash Enhancing Serum $73 Chantecaille Faux Cils Longest Lash Mascara $129 Yves Saint Laurent Mascara Volume Effet Faux Cils $65 Anastasia Beverly Hills Brow Wiz $41 NYX The Brow Glue $16.99 MECCA MAX Brow Guru Clear Control Gel $19 By Terry Hyaluronic Lip Liner $46 Dermal Therapy Lip Balm $6 Mcobeauty Glow & Treat 2-in-1 Lip Treatment Coconut $14 Gorgio Armani LIP MAESTRO LIPSTICK Ambra $69 SUBSCRIBE:  Subscribe to Mamamia Sign up for our free You Beauty weekly newsletter for our product recommendations, exclusive beauty news, reviews, articles, deals and much more! Want to try our new exercise app? Click here to start a seven-day free trial of MOVE by Mamamia  GET IN TOUCH: Got a beauty question you want answered? Email us at youbeauty@mamamia.com.au or send us a voice message, and one of our Podcast Producers will come back to you ASAP. Join our You Beauty Facebook Group here. You Beauty is a podcast by Mamamia. Listen to more Mamamia podcasts here. CREDITS: Host: Lucy Neville Guest: Lana Kington Producer: Cassie Merritt Audio Producer: Lu Hill Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Today, we're sitting down with Maggie Zhou. She's a writer, podcast host, influencer and MC - and today she's telling us all about her favourite beauty products. Maggie's Instagram bio pretty much sums her up "wears slow fashion, talks very fast." She's a passionate advocate for recycled fashion, sustainability and importantly - the side of the beauty industry no one's talking about enough - mental health. Today - a candid chat with Maggie about skin positivity vs. skin neutrality, and learning to accept your appearance. LINKS TO EVERYTHING MENTIONED:  Stila One Step Correct $60 NARS Sheer Glow Foundation $78 ILIA Multi-Stick $60 3 in 1 Flat Eyebrow Pencil(Dark Brown) The Quick Flick Brow Sculpting Lamination Gel Clear $34.99 HOURGLASSUnlocked Instant Extensions Mascara $53 VIOLETTE_FR Bisou Balm $46 SUBSCRIBE:  Subscribe to Mamamia Sign up for our free You Beauty weekly newsletter for our product recommendations, exclusive beauty news, reviews, articles, deals and much more! Want to try our new exercise app? Click here to start a seven-day free trial of MOVE by Mamamia  GET IN TOUCH: Got a beauty question you want answered? Email us at youbeauty@mamamia.com.au or send us a voice message, and one of our Podcast Producers will come back to you ASAP. Join our You Beauty Facebook Group here. You Beauty is a podcast by Mamamia. Listen to more Mamamia podcasts here. CREDITS: Host: Lucy Neville Guest: Maggie Zhou Producer: Cassie Merritt Audio Producer: Lu Hill Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Are YOU blushing? Or are WE blushing? Some days, we are just girls who want to hear a good story that makes us scream and squeal. In this episode, let's take things up at notch and share some risqué stories that would make our hearts flutter and faces flush. Get ready to tune in for some serious hushing and blushing this episode! Check out the new NARS blush at Sephora Singapore here or in-stores now!  Watch this episode on YouTube: https://youtu.be/OZVFmo6m8EISee omnystudio.com/listener for privacy information.

"Noong una akong pumasok [bilang prison nurse] natakot din ako. Kasi it's an environment that I don't know. At alam naman natin na prison is like a violent environment, iyon pa lang nakakatakot na," kwento ng nars na si Cristine Sanz.

Unlock the secrets to a flawless makeup routine with the guidance of Marlena Stell, beauty guru and Makeup Geek Academy founder. We kick off by cracking the code to understanding your skin's undertone—a game-changer in picking the perfect hues for your face. Our heart-to-heart takes us deeper into the beauty world as we discuss maintaining authenticity amid the pressures of online influence, proving that staying true to oneself is the ultimate trendsetter.JUMP RIGHT TO IT:------------------------------------0:00 Makeup Expert Marlena Stell Interview12:27 Foundation and Concealer Makeup Tips20:34 Makeup Brushes and How to Apply Makeup34:35 Eyeshadow Color Palette Tips44:31 Makeup Setting Sprays and Techniques50:13 Skincare Brand RecommendationsCONNECT WITH MARLENA:------------------------------------Website: www.makeupgeekacademy.comInstagram: @marlenaStellTik Tok: @themarlenastellShop the Early Morning Habit Amazon storefront for all the resources from this video or tap below.​Estee Lauder foundation for oily skin​​NARS foundation for dry/normal skin​​IT CC Cream for dry/normal skin​​BK Beauty 101 contour brush​​ Contact The Show!Website: http://www.ahnafulmer.comYouTube: https://www.youtube.com/@imperfectlyempoweredpodcastInstagram: https://www.instagram.com/ahnafulmer/Facebook: https://www.facebook.com/ahnadfulmer

If you have questions about working with a hair and makeup artist but are unsure who to ask, you're in luck! In this episode on the Design Your Wedding Business podcast, we're talking to makeup artist Anne Timss about what it's like for a wedding planner and makeup artist to work together and what that process looks like. Anne is covering wedding makeup trends, planning hair and makeup into the wedding day timeline, how to learn your client's makeup preferences and more! Anne has been a working makeup artist for over 20 years and she absolutely loves it. She worked with Lancôme, MAC, and NARS before she eventually decided to build her own bridal styling company and she hasn't looked back! She specializes in weddings, adventure elopements, and lifestyle commercial work, but she is happy to style you for a fun event or party as well. Topics covered in this episode include:Changes in the wedding industry from a makeup artist's perspectiveA day in the life of a makeup artist How to build relationships with the wedding professionals you're working withWhether you've worked directly with a makeup artist before or not, you'll love this chat with Anne!I would love to connect on Facebook: www.facebook.com/DesignYourWeddingBusiness & Instagram: www.instagram.com/design_your_wedding_business!Resources Mentioned:Visit Anne's Website: https://www.annetimss.com/Follow @mstimssmakeupartist on Instagram: https://www.instagram.com/mstimssmakeupartist/ Show notes available at: designyourweddingbusiness.com/design-your-wedding-business-podcast/Want to find out which of the 8 CEO's your business needs you to be and the tasks that will benefit you the most? Take the 2 minute quiz and find out now: https://bit.ly/DWYBQuiz

From the onset, it's clear the emphasis Shiseido Company, Limited places on strategic investments. The CEO's affirmation of their commitment to strategic growth sets the tone for the enterprise's tenacity towards success. The company recognizes the importance of intelligent investments to achieve a successful market presence. They emphasize investing in areas guided by thoroughly planned strategies, rather than aimlessly raining resources. The company's diligent market responsiveness and strategic planning have been crucial in sustaining consistent growth, regardless of the challenges at play. Shiseido's mid-term strategy, SHIFT 2025, has been instrumental in this regard. Its focus on enhancing cost efficiency and profitability, and confronting key concerns has allowed the company to maintain profitability, despite not always reaching sky-high profits. Shiseido's product performance, both in the domestic Japanese market and globally, plays a crucial role in its market success. Mid-to-high-priced brands have been a particular area of focus, contributing to a growing market share. Brands such as Clé de Peau Beauté, NARS, Drunk Elephant, and Narciso Rodriguez have all seen impressive growth, showcasing Shiseido's ability to succeed across various regions and markets. As the CEO reiterated, the company's growth hinges on understanding and responding to consumer trends. Shiseido has maintained product relevance by staying in tune with these evolving patterns and addressing them effectively. The company is continually looking towards the future, focusing on strategies that will enhance profitability and overall performance. Expect improved forecast accuracy, rigorous cost management, and SKU optimization as part of this forward-facing strategy. Shiseido has ambitious plans to increase its core operating profit margin through selection and concentration, focusing on key growth regions, and working to strengthen brand value. Commitment to industry evolution also features prominently in Shiseido's future plans. Exploring potential diversifications through acquisitions, mergers, and partnerships, reinforces Shiseido's resolve to maintain a leading position in the beauty industry, despite known challenges. In conclusion, Shiseido's stronghold in the marketplace is no coincidence. It's the result of a strategic focus on leveraging strengths and a resolve to confront market challenges head-on. Given the company's agility and adaptability, Shiseido remains a dominant force in the highly competitive beauty industry. Their ability to balance investment, strategy development, and profitability make them a model of sustainable success in a rapidly evolving market. SSD Company info: https://finance.yahoo.com/quote/SSD/profile For more PSFK research : www.psfk.com  This email has been published and shared for the purpose of business research and is not intended as investment advice.

Our latest drugstore haul is here! From drugstore makeup to drugstore skincare and a revamped beloved drugstore SPF - this week we've got some of our best 2024 drugstore beauty finds - nothing more than $35! First up, we test-drive the latest drugstore foundation - CoverGirl's new Simply Ageless Skin Perfector Essence to find out how it really stacks up against its French luxury counterpart.Plus, from a longwear matte lippie set to rival a popular department store brand to Bioré's new-to-Canada UV Aqua Riche SPF 50 vs the Japanese O.G, we find out which of these wallet-friendly offerings are worth our pennies.Tested in today's #DamnGood drugstore beauty face off:CoverGirl vs. Chanel – the tinted face beads showdown is hereRevlon vs. NARS – which hot red lippie Carlene is loving nowL'Oréal Voluminous Panorama Mascara vs. ??? – find out why this killer formula is in a league all its ownMeet the $4.99 brow gel duping an existing drugstore offering that was already pretty darn affordable! Peak dupe culture! French pharmacy for the win – Jill shares her latest ‘everything shower' obsession that promises to do away with rough spots the Parisian wayFor any editorial products or links mentioned in this episode, check out our website: https://breakingbeautypodcast.com/episode-recaps/*Disclaimer: Unless otherwise stated, all products reviewed are gratis media samples submitted for editorial consideration.PROMO CODES: When you support our sponsors, you support the creation of Breaking Beauty Podcast! NudaThe Nuda Face Tan Water is like a boost of self-confidence in a bottle. Visit nuda.ca and use code BREAKINGBEAUTY at checkout for 20% off your first order. NutrafolTake the first step to visibly thicker, healthier hair. For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to Nutrafol.com and enter the promo code BREAKING. Find out why over 4,500 healthcare professionals and hairstylists recommend Nutrafol for healthier hair. Timeline To see a real difference in your skin, invest in its health. If you want to try it for yourself, Timeline Nutrition is offering our community 10% off the Timeline Skin healthline at timelinenutrition.com/BEAUTY. Macy'sThe big game is coming up, so get ready at Macy's. From team jerseys to serveware, plus food and snacks for every party you're hosting or attending. Check it all out at macys.comRelated episodes:Ep 316 The #DamnGood, Definitive Guide to Winter SkincareEp 65 J-Beauty Shopping Special!Ep 142 Uoma Founder Sharon ChuterGet social with us and let us know what you think of the episode! Find us on Instagram, Tiktok, Twitter. Join our private Facebook group, or give us a call and leave us a voicemail at 1-844-227-0302. Hosts: Carlene Higgins and Jill DunnTheme song, used with permission: Cherry Bomb by Saya
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Clinical rotations are not just about testing knowledge; they're a chance to become the confident SRNA you want to be. In this episode, we have guest hosts and Nurse Anesthesia Residents Cordero and Monica to share their experiences and insider tips for all SRNAs starting clinical rotations. They discuss the expectations set by preceptors on your very first day and week in clinicals. Together, they share how to come prepared, know your patients, and handle machine checks like a pro. They also talk about the mystery of care plans, the word “pimping” in the medical field, the Vargo app, and more. Tune in now! FREE! CRNA School Interview Prep Guide: https://www.cspaedu.com/uc9a5ih4 Have you gained acceptance to CRNA school? Congratulations! Prepare with the #1 pre-anesthesia curriculum, as recommended by CRNA program faculty. Start the NAR Boot Camp today: https://www.cspaedu.com/bootcamp Get access to planning tools, mock interviews, valuable CRNA Faculty guidance, and mapped-out courses that have been proven to accelerate your CRNA success! Become a member of CRNA School Prep Academy: https://www.crnaschoolprepacademy.com/join Book a mock interview, personal statement, resume and more at https://www.TeachRN.com Join the CSPA email list: https://www.cspaedu.com/podcast-email Send us an email or make a podcast request!Hello@CRNASchoolPrepAcademy.com

Wrestling mall cops, hiding bikes in the bushes, whacked out on librium in jail, these are the elements in today's episode. Today Jeannine shares her last arrest in 2013 for strongarm robbery. Jeannine and Kim also discuss the 4 stages of contemplation and the importance of having a purpose in life for successful recovery. Connect with Jeannine on IG HERE Connect with show on IG HERE Connect with the show on TikTok --- Send in a voice message: https://podcasters.spotify.com/pod/show/jeannine-coulter-lindgren/message

Is real estate cheap, adequately valued, or overpriced? I explore.  Everything considered includes: inflation-adjusted price, affordability, quality, and other nations' prices.  Stadium trends are affecting urban real estate. More plan to move outside of downtowns. I divide society into four groups of people. Then I discuss who is harmed by inflation and who benefits most: 1: The poor—lose 2: Paid-off homeowners—hedge 3: Mortgaged homeowners—hedge and profit 4: Mortgaged income property owners—hedge, profit, and increase income  Learn how to talk to your tenant so that they never think “How the Rent Stole Christmas”. It'll help ensure timely rent payments. Many tenants don't understand that you have a mortgage to pay. Finally, I reveal the exact percentage number that indicates GRE's 2024 National Home Price Appreciation Forecast. Timestamps: Real Estate Valuation and Gold Ratio (00:02:53) Explains the concept of using the home price to gold ratio as a measure of real estate value and compares it to the long-term average. Global House Prices (00:05:28) Discusses how US home prices are comparatively cheaper than those in other developed nations, such as Australia and Canada. Impact of Quality on Real Estate Value (00:06:40) Highlights the increase in home size, amenities, and safety features over time, suggesting that today's homes offer more value at a potentially lower inflation-adjusted price compared to the past. The trend of sports complexes with casinos (00:12:15) The speaker discusses the trend of building sports complexes with casinos, mentioning examples such as Mark Cuban's plan for a new Mavs arena and the proposed entertainment complex and casino next to Citi Field. The necessity of a second job due to inflation (00:13:36) The speaker explains why inflation makes a second job necessary, emphasizing the importance of investing money at a rate higher than inflation to maintain prosperity and quality of life. The four groups and their relationship with inflation (00:14:46) The speaker categorizes four groups of people based on their ownership of property and how they are affected by inflation, highlighting the benefits and disadvantages each group experiences. The Landlord-Tenant Relationship (00:24:22) Discussion on maintaining open lines of communication with tenants and addressing misconceptions about landlords being greedy. Explaining Property Expenses (00:25:37) Informing tenants about the various expenses that landlords have to cover, such as mortgage, insurance, taxes, and maintenance. Forecasting Home Price Appreciation (00:29:04) Discussing past predictions and forecasts for future home price appreciation, including insights from various agencies and factors influencing prices such as housing supply and interest rates. Home price appreciation forecast (00:35:22) Keith Weinhold discusses his forecast for home price appreciation for the next year, which he predicts to be 4%. Investment decisions based on forecast (00:36:51) Keith Weinhold mentions that people are increasingly making investment decisions based on forecasts, but reminds listeners that forecasts are not guarantees. Resources mentioned: Show Notes: GetRichEducation.com/481 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Speaker 1 (00:00:01) - Welcome to GRE! I'm your host, Keith Weinhold. Today is real estate underpriced, adequately priced or overpriced? All outline a hierarchy of winners and losers with inflation in real estate. How the rent stole Christmas. Then the verdict is in as I reveal GRE's 2024 home price appreciation forecast all today on Get Rich education. When you want the best real estate and finance info. The modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers are. At no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of hours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple. Text grey to 66866. And when you start the free newsletter, you'll also get my one hour fast real estate course completely free.   Speaker 1 (00:01:18) - It's called the Don't Quit Your Day dream letter and it wires your mind for wealth. Make sure you read it. Text grey to 66866. Text grey 266866.   Speaker 2 (00:01:35) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Speaker 1 (00:01:51) - Welcome to GRE! From North Pole, New York, to North Pole, Alaska, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to Get Rich Education on Christmas. Happy holidays. Today is real estate cheap? Adequately valued or overpriced? Well, to many it doesn't feel like a relative bargain today, when you see how much housing prices and payments have escalated these past three years. There are a lot of ways to approach the question about whether today's U.S. real estate is cheap, adequately priced, or overpriced, so let's approach them. But when you ponder that question, didn't dollars quickly come to mind? Well, the median home price is $431,000 today, depending on how you slice it. Let's not be quick to forget that when you're looking for a measuring stick to determine the value of real estate or anything, dollars are an exceedingly poor way to track value.   Speaker 1 (00:02:53) - Because also, starting about three years ago, their slow, steady debasement turned into a rapid debasement and dilution of purchasing power. Dollars keep getting so relentlessly debased that, well, of course, it would take substantially more of those dollars to buy most anything today than it did three years ago. Property included. And this is precisely why the car that you own today costs more dollars than your grandparents first home did. Okay, so let's cancel out dollars. For 5000 years, gold has had enduring value. It's been a loose barometer for inflation all that time. As the dollar goes down, it takes more of them to buy the same amount of gold. So rather than pricing the home in dollars, wouldn't it make more sense to use the home price to gold ratio? Yeah, that is just what it sounds like. Instead of comparing home prices to dollars, compare it to how many ounces of gold it takes to buy a home and track that over time. Well, we find out that today it only takes about half as many ounces of gold to buy a home today as the long term average.   Speaker 1 (00:04:12) - And that's dating all the way back to the year 1889, yet just half as many. Yeah, that is a data set in the past 130 plus years, when you take the long term average of how many ounces of gold it takes to buy a median single family home, realize how special this comparison is. You now see the value of two of the most popular real assets relative to each other. All right, so home prices now appear low since it takes just 50% as much gold to buy a home today. But isn't that measure right there in itself enough evidence to say that real estate is under priced? No, that's certainly not. But it is one powerful touch point. We need more than that. Consider global house prices. So much of the world is a renter nation compared to the US, because home prices are substantially higher in other developed nations, from Australia to Canada, Canadian home prices are still nearly double the price of the same US home. This is a second powerful measure that US home prices are cheap here in the middle of the 2020s decade.   Speaker 1 (00:05:28) - Well, let's add some more. Consider affordability. Can people afford homes? Well, there is wage growth, which often lags home price growth in, you know, your wage growth. It often lags inflation until the latter part of an inflationary cycle like where we could be now. But let's look at what really happens. Most people don't buy property based on its price as much as its monthly payment. It's the affordability of that payment that most people are looking at. Today's mortgage rates, though, they don't feel low because of where we were a few years ago. Like I mentioned here on the show before, mortgage rates are still below their long run average of 7.7%. This is another important measure of how real estate prices in America today are not overpriced. But what I'm going to do now is turn the prism in another direction here so that the sunlight strikes it differently. Let's shine the light somewhere else, because we still have not adjusted for something extremely important. When you're valuing real estate or anything for that matter.   Speaker 1 (00:06:40) - Let's look at the attribute of quality. Yes, we need to adjust for quality since 1889. And. An ounce of gold is just still that same ounce of gold. Its physical properties have not changed one bit since the year 1889, which is one reason why it's a good measuring stick and why I brought it up earlier. But in 1889, let's look at real estate. It has changed to an astounding degree. A new Victorian style home back then had sparse amenities and perhaps 950ft². And yet that was a normal sized home back in that era. In 2023, a home average 2415ft² in today's home has features that would be considered unthinkable luxuries yesteryear like air conditioning, multiple bathrooms, quartz kitchen countertops and closets vast enough that you could play pickleball inside them so you're getting more, more home today. Between today's home size, lot size, amenities, and safety features, you can make the case that you're getting five x more, or perhaps even ten x more home than you were in 1889. And you're getting that perhaps even at a lower inflation adjusted price.   Speaker 1 (00:08:13) - And the more you realize all of this, you can increasingly validate asking the question, why are homes still so cheap in America today? And there are some other factors too. But all things considered, one can surely make the case that today's US residential real estate is not overpriced. It's cheap. As we're talking about the relative valuation of homes today. Here's a hint this plays into when I'll reveal Gary's 2024 home price depreciation forecast at the end of the show today, where I will pin the projected appreciation number down to the nearest whole percent for you. That's how exact we're going to get before we talk about residential real estate again. When we discuss how the Reds stole Christmas, let's discuss a niche of the commercial real estate market here that we've never discussed that Gary, before. And it's so interesting whether you are a sports fan like me or you're not. And that is stadiums. Yes, sports stadiums have a lot to do with urban real estate dynamics, and they're even more important amidst this struggling office sector that's already hollowing out parts of some downtowns.   Speaker 1 (00:09:30) - Well, the reason that I'm telling you about this with stadiums is that it looks like a new trend now. About 30 years ago, there was a trend toward having urban stadiums beginning to use these great city skylines or old historic buildings as backdrops. Everyone points to Camden Yards in Baltimore in the 1990s as kicking off the urban real estate ballpark trend. All right, we'll fast forward 30 years to today. Earlier this month, Ted Leonsis, the owner of the NBA's Wizards basketball team and the NHL's capitals hockey team, both in Washington, DC. They announced the deal to move both teams from downtown D.C. across state lines to Alexandria, Virginia, although at last check no official documents had been signed. So, yes, moving them out of the central city, the move looks like a huge win for Virginia. By the way, it's the most populous state without any big league sports teams. That's where the two teams could play. At the heart of a new proposed $2 billion, 12 acre entertainment complex as soon as 2028.   Speaker 1 (00:10:46) - But it is a huge bummer for the nation's capital. Yes, Washington, D.C. it has one of the highest rates of people working remotely in the US, so that hollows out the urban core. DC's once buzzing downtown is still struggling to recover post-Covid. Now, DC Mayor Muriel Bowser, who has made a last minute offer to Leonsis to keep the teams right there in the city, faces the potential loss of two major fan bases and a sports hub. It's right there in the city's Chinatown area. Yeah, this could be a new trend in stadiums in shaping the complexion of urban real estate. Now Leonsis is playing for Virginia. That really places him, among other billionaire franchise owners that want to build these massive entertainment complexes near their teams in order to capitalize on this growing synergy between sporting events and other nightlife and entertainment, and part of what's really going on here. Is the legalization and the spreading of sports gambling. That's the big prize that some other franchise owners are chasing a casino as part of this complex next to the stadium, and oftentimes you're going to have to move the team out of the city center to build these big multi acre complexes that will surround the sports stadium.   Speaker 1 (00:12:15) - Earlier this month, Dallas Mavericks owner Mark Cuban he came one step closer to his dream of building a new Mavs arena in the middle of a resort and casino after he struck a deal to sell his majority stake of the team to a casino mogul named Miriam Adelson. In November, New York Mets owner Steve Cohen, along with hard Rock international, they proposed an $8 billion entertainment complex and casino to be built next to Citi Field. These are major urban projects, so this trend of sports complexes with casinos is really picking up in the nation, but not absolutely everywhere in Oklahoma City. There is an exception there. In OKC, voters approved a good old fashioned 1% sales tax for the next six years to fund the construction of a new downtown arena for the OKC Thunder, and with that agreement, the Thunder could stay in OKC through 2050. We're talking about how a trend worth tracking in urban real estate is stadiums leaving downtowns. Now, one reason that I often talk about the power of inflation ravaging most people's lives here on gray is because it's so bad that it means you need a second job.   Speaker 1 (00:13:36) - Yes, you do not in the traditional sense. But look, if you are, say, during the day, a corporate attorney or you're a financial systems analyst or you're a crab fisherman, why can't you just do a really good job at your day job in that position and then go home and at the end of the week, call it good enough? Why can't you just do that? Well, you cannot do that because if you're being paid in dollars, your second job is learning how to invest those dollars at a rate higher than inflation. Otherwise, your prosperity gets diminished in your one quality of life and one set of opportunities are going to suffer. That's why inflation makes a second job a necessity. So your second job is investing. The other reason that I often discuss this topic is because, as we know, real estate helps you profit from inflation three ways at the same time. Two weeks ago I told you that if you want to learn more about how that works with the Inflation Triple Crown, that you can go to get rich education.   Speaker 1 (00:14:46) - Com slash Triple Crown to watch my free three part video series, I did that because I've described the inflation Triple Crown here on the show before, and I don't want to be too repetitive, but seeing that it is an enduring great principle. I've got a new way to explain this to you. Whether you're a long time listener or a newer one, then you're going to get some perspective out of this. I think you're really going to like it. What we're going to do is let's look here at four groups of people and see how much they benefit from or lose to inflation. We're going to view this through a real estate lens. Let's go from the worst off group to the best off group. And then what you can do is see which one of these four groups you belong to. The first group are the poor. They don't own any property and therefore they don't benefit from inflation one bit. This first group, the poor, their grocery and energy expenses are exacerbated by inflation, but yet they have no assets to benefit from it if they have a job.   Speaker 1 (00:15:54) - But the poor tend to have the job type wage that lags inflation, so the poor lose to inflation. The second group. So getting a little better off as we move through here. They are the primary residence homeowner with a paid off mortgage. So they benefit from one crown of the inflation triple Crown, yet they are better off. Two of every five homeowners have a paid off mortgage, just like this second group does here. And if there's 10% inflation over, oh, a couple years, well then there are 500 K home price floats up to 550 K and now they got 10% more dollars. But each one's worth 10% less. So at least they didn't lose purchasing power. But they are right back where they started. So this homeowner with the paid off mortgage does not profit from inflation. They are merely hedged. Then we have the third group out of four. This third group is homeowners. Again, just primary residence owners with a mortgage. Yep. They're actually better off than Group two with the paid off mortgage.   Speaker 1 (00:17:04) - Just in terms of who benefits from inflation. So like the second group, 10% inflation makes this third group's 500 K home rise to 550 K. But this mortgaged homeowner has another benefit. There are 400 K mortgage on this property, gets water down to just 360 K of inflation adjusted debt. And that is because inflation makes salaries and wages and prices and rents float higher, making the debt easier to pay back over time. Banks and lenders don't ask you to repay them with inflation adjusted debt, they will accept your diluted future dollars. It's like they got you locked in to a contract that was good for you years earlier. That effect is called debt debasement. And this is why this third group now benefits from two crowns as primary residence homeowner with the mortgage. And then come on, you know who this fourth group is? The coup de gras landing, the deathblow to inflation because they really make out in profit, benefiting from all three crowns. This fourth group owns income property with a mortgage. If you listen to this show, you're constantly trying to add more income property with a mortgage.   Speaker 1 (00:18:30) - And that's precisely what we hope you do here in gray. And this fourth group has both asset inflation like the second group and the debt debasement benefit like the third group. And additionally the rent income will outpace inflation enriching them. Now listen to this part closely for just a minute or two because the math is simple. But there are a few numbers here. Say you begin with $2,000 of monthly rent income on your rental property, minus your $1,200 mortgage, -$600 of expenses. That's $200 a monthly positive cash flow left over. All right. We're going to add 10% inflation on all that. And this inflation could happen in one year or over a number of years like magic. Now you've got $2,200 of rent income up from 2000 minus that same $1,200 mortgage balance because it stays fixed, -$660 of expenses, up from 600. All right. You're now left with $340 of cash flow. That's up from 200 bucks before the inflation. Do you understand the significance of this? Do you see how you're really on the superhighway to financial freedom? This is big because the mortgage principal and interest payment stays fixed with just 10% inflation.   Speaker 1 (00:19:58) - You just saw the money you feel in your pocket each month skyrocket from $200 to $340. In that example, that's 70% more income, 70% more. Extrapolate that effect across your entire rental portfolio. Wow. That is called cash flow enhancement. The third and final crown of the inflation Triple Crown. You just won all three with a loan on an income property. And hey, congratulations. If you caught that and you would have had to skip back to listen again, you are really on your way to understanding a path for creating wealth in your life. Now. I sure kept that example general in order to simplify things. And also some people span multiple groups. For example, poor people in terms of income could still be homeowners. Let's review what you just learned there. With inflation in real estate, the poor lose paid off, homeowners hedge, mortgaged homeowners hedge in profit mortgages income property owners hedge profit and increase income. So look and this is kind of weird. Once you've got income property, you might notice that the price for a pound of salmon rises from 1599 up to 1899, or that a Ford F-150 truck price spikes from 50 K up to 55 K over time, these could actually be strangely positive signs.   Speaker 1 (00:21:40) - It's a soft indicator that your real estate wealth is growing, though people would think you're nuts. I mean, you might secretly start. Rooting for inflation as avidly as an NFL Philadelphia Eagles Tailgater. Now, I'm not really sure if you'll pump your fist after the first time that you pay 12 bucks for a gallon of gas. We'll see about that. Well, hey, now that you've done the hard learning coming up straight ahead, a little more entertaining here how the rent stole Christmas and the anticipated 2024 Jerry housing price appreciation forecast. I'm Keith Weiner. You're listening to episode 481 of get Rich education. Role under the specific expert with income property, you need Ridge lending Group and MLS for 256. In gray history, from beginners to veterans, they provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your pre-qualification and chat with President Charlie Ridge personally. They'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com.   Speaker 1 (00:23:00) - You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love. How the tax benefit of doing this can offset capital gains in your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six.   Speaker 3 (00:24:04) - This is Ridge Lending Group's president, Shale Ridge. Listen to get Rich education with Keith Wine.   Speaker 3 (00:24:10) - Hold and remember don't quit your daydream.   Speaker 1 (00:24:22) - Welcome back to get Rich education. I'm your host, Keith Reinhold. Be friendly, not friends. Those four words are the best concise guidance for how a landlord should keep their relationship with tenants. But there's a persistent school of thought out there among some in the general public. And it is that landlords are greedy. Landlords like you even want rent on January 1st. Who do you think you are, the Grinch that stole Christmas? Well, as a landlord, of course, you should maintain open lines of communication with your tenants if you're also managing them. When it comes to things like those top priorities, I mean repair and maintenance issues. But when I've had conversations with tenants and by the way, I don't anymore, my property managers do. Let me share with you some pieces that I have gently inserted into my conversations with tenants in regard to rent collection. This has done a lot to ensure timely payments, and they've always known then that my intent is not to steal Christmas.   Speaker 1 (00:25:37) - I see a lot of tenants. They're smart people, but they just don't understand your situation as an income property owner, often with a mortgage on your rental property, many tenants think that you just take their rent payment of, say, $1,800 and that that money is all yours for, say, a big Hawaiian vacation. You and I both know that most of that rent income is spoken for and already passed along for your expenses. One thing that you can tell tenants is, I have a big mortgage on this property to pay every month. That's what you tell them. Younger tenants are less likely to know this at all. Another thing that you can say is 90 to 95% of the rent goes toward all the property expenses, which are always going up. Yeah. I mean, these are your mortgage, insurance, property tax, maintenance, repairs, turnover, utilities and more. That's what I've called mortgage plus vim. Tom expenses, vim Thomas vacancy insurance, maintenance, taxes, utilities and management. Yeah.   Speaker 1 (00:26:47) - Even with the decently cash flowing mortgage rental, this statement is true. 90 to 95% of that rent is gone. It's not yours. Another thing you can tell tenants is I'll be in debt all my life. That's another thing you can mention. And of course, you and I both know that that's good debt. Another thing that you can say to tenants, and really, this is just something else that could be said to broader society that thinks that landlords are greedy. And you can say this, I build up my credit score, made a big down payment and put my money at risk. That's what you say? Yep. Ian, you did all this to provide good housing to strangers. How is that greedy? You can also just simply say I don't have a 401 K, and the more you listen to this show, the more you would ask yourself, why would you want one? And I'll leave you with this last one. I must constantly maintain this property. That's what you say, and you should constantly maintain that property.   Speaker 1 (00:27:52) - Now, you probably only need to bring up 1 or 2 of those sentences with tenants. The best time for you to do it is actually. Just before they're officially attendants. Say those things right at the beginning of the relationship. When you're just reviewing the lease, when you're going over that with them and they're about to sign that initial lease. Or you could also mention this months later when they pay the ongoing rent. So this is about your ongoing tenant relations. So they understand your situation. They're going to know that you're a human and you have your own set of issues in financial obligations and you have to take care of. And it's always about telling the truth. Only a Grinch would lie during the holidays. So it's always about being honest and informative. And, you know, with all of that said, it is somewhat of a paradox that all of this can be true. And yet at the same time, strategically bought property is so profitable on your side and see with your tenants, this is not the optimum time to wax poetic about how financially free beats debt free.   Speaker 1 (00:29:04) - Yes, it's really remarkable that all these statements can be true, even if 90 to 95% of your written income goes toward your mortgage and operating expenses, all while real estate pays five ways at the same time. And now they'll know that the rent they pay is not the rent. It's still Christmas, and you sure are not the Grinch. Let me prepare you for Gary's National Home Price Appreciation Forecast for 2024. First things first how well have past predictions performed? Well, let's take a look at this using the Nars number of median existing single family home prices. Understand that the forecast that I make here is always made near the end of the year, prior to the year forecast. It's all done ahead of time and unlike a lot of agencies, we don't revise our forecast later. It's all set in stone before the forecast year begins in late 2021. Recall that we had just come off a year there, 2021, when national home prices were up 20%, and some people predicted that prices would fall in 2022.   Speaker 1 (00:30:12) - Oh no. I let you know in late 2021 that home prices were going to rise a healthy 9 to 10% for 2022. That was the forecasts made at the time, and the result was 10%. Then late last year, you had more agencies predict that prices would fall. I let you know. I did not see how with such low housing supply and some of the other reasons. So I forecast 0% for this year. Yeah. Forecast, no gain, no loss. And as far as the result there it is too early to know yet. The year isn't done. All right. We'll build some context here as I make the reveal the forecast for next year. How about other agencies. What are they forecasting for next year. At last check, the NBA mortgage Bankers Association says home prices will rise 4%. Fannie Mae 3%, Freddie Mac 3%. The HP's. That is the home price expectation survey. They forecast 2% appreciation. Goldman Sachs also 2%. The Na 1%. Zillow 0%. Realtor.com -2%.   Speaker 1 (00:31:23) - If you take all of those and average them, you get a forecast of about 1.5% appreciation for next year. I'll tell you as we lead up to our forecast here, I'll let you know that it is not that close to the 1.5% average from those agencies. And none of those figures understand, including mine, are inflation adjusted. So nominal prices. All right. Well let's look at what we use to determine the trajectory of home prices. How is housing supply looking. We know demand is strong. Well with the fed active listing count data that I usually use where the normal supply is 1.5 million units or more will. The current amount is about 750,000. So it has rebounded somewhat, but it's still less than half of what's needed. And this dearth of supply supports more upward prices. Let's look at interest rates. Recent developments from the last fed meeting show us that Jerome Powell does not plan to put a rate hike lump of coal in your Christmas stocking now or anytime soon. Everyone wants to talk about how far rates are going to fall next year.   Speaker 1 (00:32:40) - But here's the thing to remember. Like I've discussed before, mortgage rates hardly matter when it comes to prices. They don't have much to do with housing prices at all, and I've discussed why a few times before. In short, that is because when rates rise, yes, it hurts affordability, but rates also rise when the fed is trying to cool a hot economy in that hot economy is what helps prices. Conversely, when rates fall, it helps affordability. But unemployment is higher and we might be in a recession when rates are falling and that constrains upward prices. You know something even real estate agents in the certification course, they have to take in those ongoing agent continuing education classes. They're taught that higher mortgage rates mean falling prices, but yet in reality, they almost never do. Just look at history. She she don't have to look any further than the last few years. Rates tripled and prices rose anyway. So when an agent prepares a CMA, a comparative market analysis for a client, agents are taught to consider mortgage rates with CMAs because higher rates put downward pressure on house prices.   Speaker 1 (00:33:58) - Yeah. Agents are taught that mortgage rates determine buying power, but they aren't taught the entire economic picture like I just briefly explained. So the point is that the direction of mortgage rates are not completely, but they're actually largely irrelevant in forecasting prices. Four out of every ten homeowners in this nation are free and clear with no mortgage. And among those that do have a mortgage 62. None of them still have a rate under 4%. All right. So if mortgage rates do drop next year from 7% to 6%, it still doesn't become that attractive for those homeowners locked in at that really low rate to sell. And yet if rates do fall to 6%, you're going to have a larger buyer pool because more people can now qualify to buy a home. Looking at the broader economy. Jobs are still being added, but many are part time jobs and GDP growth is strong. Unemployment is under 4%, CPI inflation, that's near 3%. So I'm not going to be full speed ahead with a huge number for next year's appreciation rate, because the economy, it still has a pretty substantial chance of slowing down because all these pass rate increases, lag effects could show, but that won't totally break the economy.   Speaker 1 (00:35:22) - And note something Fannie, Freddie, and FHA, they all announced higher conforming loan limits for 2024, and that's because they expect that more home price appreciation is coming. And I do too. We're a show about rental income. So what do I forecast? Prices rather than rents anyway? Well, there's a few reasons rents are more stable, so there's not as much to talk about that 15% year over year rent increase from last year that is seriously atypical. Also, as you are leveraged, you're going to get more overall gain from price appreciation than you do rents. As everything that I discussed and more has been weighed and analyzed in sprinkling in the spice of my personal experience as a direct real estate investor, I am happy to report to you here on the last show of the year that my expected home price appreciation rate for next year is 4%. Yes, a pretty historically normal 4% for next year. As the forecasts for the previous couple years, they saw more anomalous numbers, of course. What's that mean to you, the savvy leveraged investor? If you make a 25% down payment on a property, meaning you're leveraged 4 to 1 as best I can see it, you will then have a 16% return on your invested capital.   Speaker 1 (00:36:51) - Just as one of up to five ways that you're simultaneously paid. Increasingly, people make investment decisions based on the forecast any reasonable person should know. But I then be remiss not to remind you that this is a forecast, not a guarantee. Is this is the last show of the year. I trust that you've got even more to be grateful for than the expected 4% home price appreciation. I am sincerely grateful to have you as a listener this week, every week, and for another year here, as I'm sure you'll understand that I recorded this episode a few days before Christmas so that I could have a free and clear holiday. Best wishes on the remainder of your holiday season. I'll be back next week. Right on cue to talk about investing in a new way that you've never thought about before. May all of your New Year's resolutions be as successful as the home price forecast. Uh, until then, happy holidays to you and yours. I'm Keith Reinhold. Don't quit your daydream.   Speaker 4 (00:37:56) - Nothing on this show should be considered specific, personal or professional advice.   Speaker 4 (00:38:00) - Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get Rich education LLC exclusively.   Speaker 1 (00:38:24) - The preceding program was brought to you by your home for wealth building. Get rich education.com.

✨  Victoria De León, E-Commerce Manager @ NARS☁️  How to break into the fashion/beauty industry as an immigrant☁️  Tips for pushing past financial barriers to pursue your dreams☁️  Insights into the e-commerce fashion industry☁️  Lessons learned from Rue La La, Bloomingdale's, Bulgari and NARSJoin the Sky Society Women in Marketing private LinkedIn group.Follow Sky Society on Instagram @skysociety.co and TikTok @skysociety.co

Nesse episódio: O que faz um empresário de celebridades? Como recrutar pessoas com inteligência emocional; Como dar feedbacks sinceros; Como manter os pés no chão; Como realizar sonhos estrategicamente; Início do empresariamento da Bruna Marquezine; Internacionalização da carreira; Posicionamento de marcas; Humanização de marcas; Como abordar parceiros comerciais; “Testes” que marcas fazem com influenciadores; Entendo o que você tem autoridade; Gerenciamento de crise. Hoje Thais entrevista a empresária Juliana Montesanti, sócia fundadora da Coolab, que cuida de carreiras como Bruna Marquezine, Camila Coelho e Sasha Meneghel, além de ter em seu portfólio marcas como Sephora, Nars, Givenchy e Shiseido. Ela é formada em moda, trabalhou com jornalismo na Vogue Brasil e fez uma mudança de carreira daquelas. Hoje, em seu trabalho, ela se sente um pouco gênio da lâmpada, realizando os sonhos mais impossíveis dos seus clientes. Vambora entender como esse sucesso aconteceu? LIVRO DA THAIS Doce jornada - https://amzn.to/46MhIxp Toda semana tem novo episódio no ar, pra não perder nenhum, siga:  LinkedIn: https://www.linkedin.com/in/thaisroque/ Instagram Thais: https://www.instagram.com/thaisroque/  Instagram DCNC: https://www.instagram.com/decaronanacarreira/ TikTok: https://www.tiktok.com/@decaronanacarreira YouTube: https://www.youtube.com/@Decaronanacarreira?sub_confirmation=1 Thaís veste Look- https://www.instagram.com/amissimaoficial/ Brincos - https://www.instagram.com/shop_nour_ Sapato - https://www.instagram.com/schutzoficial/ Styling: André Puertas - https://www.instagram.com/andrepuertas/ Beleza: Rosman Braz - https://www.instagram.com/rbraz/ Links da Juliana: Instagram - https://www.instagram.com/julianamontesanti/ LinkedIn - https://www.linkedin.com/in/juliana-montesanti-71b9553a/ Mala de viagem: O poder da vulnerabilidade - https://www.ted.com/talks/brene_brown_the_power_of_vulnerability Meu corpo minha casa - https://amzn.to/3sLiqfn Dez por cento - https://www.netflix.com/title/80133335 Equipe que faz acontecer: Criação, roteiro e apresentação: Thais Roque Consultoria de conteúdo: Alvaro Leme Supervisão: José Newton Fonseca Sonorização e edição: Felipe Dantas Identidade Visual: João Magagnin

Í þættinum fékk Dagný Hróbjartsdóttir Ágústu Rúnarsdóttur til sín í spjall um foreldrahlutverkið og þróun og þroska sinn í því frá því hún varð móðir fyrst, tæplega 17 ára gömul og svo aftur komin yfir fertugt. Tímarnir hafa breyst og fólkið breytist með. Yndislegt spjall sem við mælum með!

The Sitzer and the Burnette verdict against NARs, Keller Williams, Re/Max and Anywhere is in.  And boy it was huge!!! Plus, are you ready for 2024?  This year is not even in the books yet. We still have two months left. But, if you want to have your best real estate year ever, then here is what you need to be doing TODAY to prepare for 2024. Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area. 

Uncover the keys to success in the dynamic world of marketing and PR with Lesley and Whitney. Discover actionable insights for understanding and connecting with your target audience and how you can differentiate yourself from a saturated market. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co . And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe.In this episode you will learn about:How to boost marketing skills and pick the best platform.Why clear target audience definitions matter and ways to get direct customer feedback.How to prioritize visibility and set goal benchmarks.The benefits of brand partnerships and capitalizing on uniqueness.Cultivating a problem-solving approach and avoiding emotion-led decisions.Episode References/Links:Whitney Lee's Instagram - @thewhitneylee @truestorypublicrelationsWhitney's True Story Public Relations WebsiteTrue Story: The PR PodcastWhitney's LinkedInShe Who Wins Whitney Lee episodeGuest Bio:Whitney Lee is a marketing and PR strategy expert, the founder of True Story Public Relations - a 7-figure, award-winning agency, helping companies in the hospitality, products, and service industries thrive. Her superpower is her ability to help frustrated business owners who've tried it all, cut through all the noise and develop a custom strategy that actually moves the needle.   If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox.Join us at our Cambodia Retreat - Oct. 8-13, 2023Get your free Athletic Greens 1 year supply of Vitamin D3+K2 and 5 free travel packsGet your discount for some Toe Sox using the code: LESLEYBe It Till You See It Podcast SurveyBe in the know with all the workshops at OPCBe a part of Lesley's Pilates MentorshipFREE Ditching Busy Webinar ResourcesWatch the Be It Till You See It podcast on YouTube!Lesley Logan websiteBe It Till You See It PodcastOnline Pilates Classes by Lesley LoganOnline Pilates Classes by Lesley Logan on YouTubeProfitable PilatesSocial MediaInstagramFacebookLinkedInEpisode Transcript:Lesley Logan 0:00  Just because we're experts, not every single thing we do works perfectly on the first try. Hello, I jokingly say like we're like little scientists, like we make a hypothesis based off of our education and our experience. And then we try out the hypothesis. And then we see what happens and we tweak from there. You know, like, it's okay, if everything you do, it's not going to, I'm going to go ahead and make that like clear statement, not everything you do is going to work on the first try. And most of the time, it's not going to work on the first try. But the difference is they're just people who push through and keep trying. Lesley Logan 0:00  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:04  All right loves, so today's guest I'm so excited about. First of all, I'm more excited than my voice sounds. I don't know why it's gone. Always gonna Be It Till You See It for this whole intro. I have one of my dear friends on her name is Whitney Lee, she is phenomenal. She's such a badass bitch. And I, I just love being around her. I love the conversations I have. I love how honest and vulnerable she is. And she doesn't, she's she, what I love about what she does in her life is that she doesn't take things that happened in her business personally, she really truly is like, let's look at the facts. And let's make these things happen. And I love that as an inspiration to all of us, whether it is a business that you're listening to this podcast for, or your or a personal goal, the things that are happening to us are not personal attacks on us. They are just interesting obstacles for us to get some information from and move forward. And so when you get to this part of the conversation, that's going to come about feelings, I hope that you stop, listen, rewind, pay attention again. She's fucking phenomenal. And and so today I had her on because I love talking to PR people because they are like an ultimate be it till you see it when it comes to business. But she also has such honest advice that you can use to create your own PR and be your own self. And if you remember from Hillary Heartlines episode about branding that even if you're not a business, you are a brand because it's how you leave people feeling. If you listen to that episode and this one back to back, babe, I think you're gonna have a great fucking day. So here is Whitney Lee. Lesley Logan 1:32  Hey, Be It babe. So I'm super excited. This can be a fun conversation with a friend. I'm so happy to have met. We have a lot of friends in common many who've you've heard on the podcast before. Whitney Lee, we actually met at She Who Wins. She has a PR company called True Story. And she's just phenomenal at what she does. But we met at the She Wins Conference, which is like a bunch of amazing women. And you're just I went to your workshop and you're just a delight about PR and making it so accessible. So I had to have you on because I wanted to share your amazingness with our listeners, can you tell everyone who you are and what you rock at? Whitney Lee 2:28  Hey, friend, thanks for having me. My name is Whitney Lee, So, my company is True Story. We've been in business about 10 years now. So we do a lot of PR we also do social, social media paid and organic. We do a lot of email funnels. But honestly, like, at the end of the day, what I would say our superpower is is like business owners are so overwhelmed with all this crap that they see. Should I be doing email marketing, text messages, Google ads, billboards? Should I have my own podcast, they get so overwhelmed with all these different, I should be doing this to promote my business, we help kind of like, bust through all of that and just say no, no, here are the things you need to focus on. And let's crush these things. So for some clients, we're actually their team, we're the ones executing for them. And then other clients, especially some of the smaller businesses that we work with, we just build a plan for them. And we teach their team how to take it and run with it. SoLesley Logan 3:26  Freaking so cool. I mean, like, I love, there's a lot of things I love, first of all, 10 years is an it's like a lifetime, in a in a business like that. Not everyone makes it to 10 years. So congratulations. That's humongous. (Whitney: Thank you.) but also, what an interesting 10 years it's been to be in the PR industry. And like I imagine the things you guys have had evolved to do because PR has changed so much. And just these last 10 years, you know, going from like doing the, you know, death sides and all the different things with the magazines to actually like we can create our own PR without using any of these outlets. So what muscle you had to learn?Whitney Lee 4:05  Oh my gosh, well, you know, I always say like, you know, some people go to school to become this or you know, like a nurse or this or that. And once they learn the skill, they have it forever, right. But like, this is the one job that I see that like, if you don't continue to learn, like you'll literally be out of date in three months, and you'll just be clueless. So it's like continually pushing us to like learn new stuff and to stay on the edge of everything. But I mean, that's what makes it fun, right?Lesley Logan 4:32  Yeah, yeah. And I think like, what you just said, might someone be like, Oh, my God, you're right. If I don't do this, in three months, I don't even know how to use that app anymore. And it's like, what's so great is you're like, hi, we actually will tell you if you need to use that app. We we've done the stress for you.Whitney Lee 4:48  Yep, and half the time that's what we see is like people that are doing all the things but they're just in the wrong places. It's always one of two things like they're either putting their message out in the wrong place and they're actual their people aren't in that in that zone like you're, you're doing, you know, social media, but you're, you know, Avatar is a 65-year-old man. Okay? You missed the mark. So they're either in the wrong place, or they're just saying the wrong thing. And people aren't clear on what they do or what they serve. You know how they serve some. Lesley Logan 5:17  Oh my god. Okay, so yes, I love we just dove right in. So I want to highlight it's true, a lot of people are in the wrong place for the person to hear them. Or they're in the right place, but their messaging is wrong. So half, I guess, like, how, how do people the obvious thing is like, just go where people are, but like, how do you have to, how do you find where people are? Like that's so people, it seems like people are everywhere, and everyone's on Tiktok, but actually Tiktok is not for everybody business to be on, like, let's just be real. So like, how do you find out where people are?Whitney Lee 5:50  Oh, my gosh, well, I think it just comes down to like, being really clear on who you serve, you know, if you serve moms that are between the ages of 30 and 45. Like there's so many demographic information out there that can tell you like where those women are, you know, and also like, I'm a huge believer in just asking people, like, you know, asking the people that you're already serving, like, how they heard about you where they found you, sometimes it is literally that simple. I think I just tell people, I'm like, you have to remember that, like, customers, and consumers don't think the way we do as like marketing and PR people. For example, like we used to have a functional medicine practice. And people would go in and we train their front desk, people to say, How did you hear about us? And all the people would always say, Oh, well, Google, Google's had heard about you. But that's not necessarily true. What it is, is that they saw the billboard, they saw a social media ad, and then they Googled to get the phone number or the address in their mind. Oh, I found you on Google, because they found your phone number on Google, but they didn't. What we're trying to get to the bottom of is like, where did you first hear that we existed? You know, like, where all of a sudden, did you hear about us originally? Not where did you get my phone number or my address? Yeah. Did you originally hear from me? It was at a friend that told you about it? Did you see my billboard? And then Google me like sometimes it's kind of hard to get into the brain of a consumer.Lesley Logan 7:19  Yeah. You that's, I mean, like, first of all, I love that you're just like, I just ask people like, it's, it's that simple. But also like, really making sure the question is very specific, like, where did you first hear about me? You know, that actually, like, I was like, we were doing all this stuff. Just trying to get more people to hear about our online membership for Pilates and everything. And finally, I was just like, everyone just finds us on YouTube. What are we doing on YouTube to make it actually better? Because if everyone's following us on YouTube, and then they're somehow making their way to Instagram, and then they're somehow making the way the list? What if we just like shorten that up? So we've made YouTube our bigger focus versus like, other any other social media platform, they're there. They like, definitely highlight the experience in there and additive there. But like, it's like doubling down on where people actually find you. The first time is going to be for us, I think, the most effective use of our time. Whitney Lee 8:12  Well, and I would love to know, well, here's the kicker, too. If someone truly did find us on Google or find you on YouTube, I would say what did you search? (Lesley: Ooh, yeah) that is kind of the key. And then they're like, Oh, well, I was searching like, I was looking for this one Pilates machine. Or I you know, I went to a class and I didn't understand this machine. So I got on YouTube and typed in reformer. And then you'll start to learn like, what are the words? What are the words? Lesley Logan 8:39  Oh my gosh. Whitney, how did you even get started in PR because everyone's gonna kind of like people love to know like, what's the journey? Like, were you like growing up? Like, oh my god, I'm gonna be Emily in Paris or Okay, so but like, what was the, what was the step? What was the journey?Whitney Lee 8:59  I'm about to go throwback here for a moment before Emily in Paris was even born, okay. We were all watching Sex in the City, right, in like the 90s. And they are like (Lesley: Oh my God, yes. Kim Cattrall's character.) Yeah, of course. Yeah. Samantha had her own PR agency. And it's so funny because I say like, that's what people think we do all day. Like, I just wear these fancy bright colored fun business suits. And I just flood around town and drink martinis. And I go to parties every night and I just meet people and that's my job. Like, people think that's legitimately what PR people do. No, honestly, like, I really don't know how I got into PR specifically, I went to school for communication because it was really broad. And I was like, I know I could take that and do that with a lot of things. People used to tell me all the time that I should be like a news girl. (Lesley: I could see that.) What's funny is I ended up I did end up hosting my own show like my own, like local news show for several years, but it, so I got into communication because I really didn't know what I wanted to do with my life. And it just kind of spiraled. Actually I went, I did grad school I did undergrad at Southern Miss. And then I did grad school at Florida State and one of my professors, he was a PR consultant and like, his clients were like Cindy Crawford. And, I mean, he was like, 70 years old at the time. So like, and also I was in grad school, like over 10 years ago. So he's much older. But he represented Cindy Crawford, that was like his biggest client. And he uses, he opened my eyes to what the heck a consultant was. And I was like, that's so cool. Just the idea that he had all these different clients. So one day, he's talking literally about Xerox machines, and helping Xerox get their name out there. And then the next day, he's dealing with Cindy Crawford, you know, like, it was just so interesting. I know, right? It was just so interesting to me that like, you didn't just go to a desk and sit there all day and like, crunch out, you know, information. So after grad school, I got my start in the hotel world. And that's really honestly kind of where the agency leans most now is like, just from my connections in that world, as a lot of hospitality clients, a lot of people think hospitality and they think hotels, but like, it's a lot of food and beverage. So we have like a group of Indian restaurants. We have a chain of burger joints, we have several different hotels, we have a huge shopping center. You know, and we also have a medical marijuana practice. So like, it's pretty interesting. We're I, you know, for the most part, we have a lot of hospitality clients, but we do have, you know, a few other, you know, we've done retail, like clothing lines and things like that. So it's really fun. And every day is different.Lesley Logan 11:45  Yeah, like, there's not a day that's the same. So yeah, maybe sometimes you're at an event living your Samantha life, but most of the time, you're like in an office, trying to help people get their message out there. That's really what Whitney Lee 11:57  Yeah. And really, like I said, you know, people think of PR, and they like don't even get it. They think it's like, Samantha out giggling and drinking martinis. But the whole if I had to sum it down into one word, like PR is visibility. (Lesley: Yeah.) Like, how do you get your name out there in a creative way, and get it to the right people with the right message. And, and people always think that marketing and PR are the same thing. They're totally not. (Lesley: Right.) Like marketing, the point, the goal of marketing is sales, the goal of PR, is visibility, more followers, you know, like, more clicks more, you know, that's the point of PR. So I have to tell all of our clients coming into it. Like, you're not sometimes you're not going to be able to equate, like, Oh, we got a feature on the Today's Show. And then you're not going to overnight, sell a million dollars worth of products, like, sometimes that will happen and we've had that happen for clients, not necessarily to the date. That's Today's Show. But the whole point of PR is to consistently stay out there in the right light, you know.Lesley Logan 13:06  Well, like, you're right. So like, I got, I got a call in 2013. It was like, hey, congratulations, your Los Angeles best Pilates instructor for LA magazine. Like we we chose you. And I was like, Oh, I thought people paid for that. I thought someone's be our first and got them that gig. And they're like, no, no, you you're it so we're gonna put you in this thing it's in the best best issued cup of this party was so fun. And I had people go oh my god, you're in yet so many clients from this you guys. I'm gonna tell you right now. I got zero. I got no client, however, but you know of that I know that I know of. You're right. You're absolutely right. However, I do know that I got to say last I'm like, I'm best voted Best Pilates instructor in Los Angeles by the LA magazine, the PR that came from that the the there's like notoriety. There's some there's some stuff that we can use from that. But it wasn't it's not like the marketing that I do where like we actually like I intentionally promoted my classes, you know, where that would be the difference? In the two things right there. So I, I guess I want to know, I'm very curious. Because it takes a special person to do a job, where every day is different. And everything that you do, doesn't exactly like always look like what you did here, equated to this over here. So you show up every day, and do this amazing, very essential job for people knowing that like you're kind of having to sell yourself to them all the time. Because for especially for a small business, it's not it's a lot of money for them to consider. Like I wanted to hear this answer just because I think a lot of people don't realize like everything that we do is like selling our dream to the people that are around us. So um, you have a very unique job or you have to do this all the time.Whitney Lee 14:53  Yeah, and it's just always being creative. So I think you just have to what I remind our clients is like we call them benchmarks, right? Like in in marketing, it's like your benchmark is like, how many click throughs did you get how many sales? Did you get? What was your return on investment? Like, how much did you spend on the ad versus what did you sell in advance? Or what did you sell, but PR, I think we just have to create different goals and stay on, on track that, like the goals for PR are just different. You know, the goal is to establish yourself as an expert, right? That's what that that award did for you. It's an immediate, like, people are like, wow, I'll give you an example. So we're working with an international client that sells I would say like party supplies for the most part, so they have like party and like they sell like gift bags and and notebooks and markers and pens and things like that to like Joanne and Michaels. So their social media and PR, our goal is not to sell more markers. Our goal is to get their name out so much that the buyers for those companies are like, whoa, have you heard of those new glitter pens? Like they're everywhere, they're listed here, they're listed there this influencer's using them, like we need these glitter pens in our store. So like, it's a totally different, you know, like, not a single one of our social media posts is going to be like, buy this pen now. Link in bio. No, the whole point of it is to elevate and get people talking about that product so much that the buyers at Michaels, the buyers at Hobby Lobby are like oh my god, I keep seeing this stuff everywhere. We have to sell these, we have to sell these.Lesley Logan 16:39  Right because like, I mean before the pandemic I used to hear would take seven to 17 touchpoints before anyone click on anything. So now that's like probably, it's probably like 35 So you're like just like being everywhere, omnipresent with a product or a mission or a restaurant so that people go oh, that thing I need to have that thing. Let's go get that that thing.Whitney Lee 16:59  I've or it's like a qualifier. You know, like when somebody thinks about your business or whatever, they go scope you out, right? That's the first thing you do is like when someone hears about something, they Google it, and they're like, Okay, I just need to scope this, this brand or this business out. So they probably Googled you and they're like, damn, okay, she was LA's top, she was L.A. what was it?Lesley Logan 17:20  L.A.'s Best Pilates instructor in Los Angeles. Whitney Lee 17:22  Yeah, she was L.A.'s Best Pilates Instructor and immediately in their brain, you are legitimate. Yeah, whether what's sad and some of it you have to be careful because some of this PR stuff can be totally fake, is that somebody could pay for an award like that, that unfortunately, that does exist. But it's an immediate qualifier in that person's brain, whether they know if you paid for it or not. You know, they're the immediate qualifier is like, she's legit. You know, and so that's a lot of, you know, PR's like reputation, visibility. Okay, I haven't heard another so partnerships and sponsorships. We do a lot of this. I saw recently. Okay, so Skims has bathing suits, right, anybody who's out there listening, Kim Kardashian's brand Skims, they do bathing suits, and they just did a partnership with Body Glove if anybody remembers Body Glove from the 90s remember the baby suit brand that has a zipper all the way (Lesley: Yes, yes.) So the body gland body glove has kind of been out for a while right? It was a thing in the 90s and it was cool back then. But it's not really super relevant now. Well, whoever is their freakin PR person is a genius because they went to Skims they got a partnership with skims skins is all hot now. And I guarantee Body Glove is going to be a thing again now. It's like this whole partnership is blowing up they did a collab and now it's like Body Glove suddenly is back on the scene. (Lesley: Yeah) and I guarantee their whole brand is about to be revived. Just thanks to like this collab that they did you know. Lesley Logan 18:56  So and so I love this because the what you're you keep focusing on is like, being out in front of the people with the with the with with what you're doing and not trying to sell to them just trying to be like show almost like show off like show off how these glitter pens work like show like, oh, look (Whitney: Show who they are.) Look how cool Body Glove is. They're friends with Skims, you know, like that kind of a thing. So, I guess I want to say like, I talk a lot about collaborating. When we business coach. I'm like, just like you've guys have no idea how many clients I got by teaching at NARS. Like, who would have thought NARS NARS big makeup company like oh, yeah, you can come teach Pilates in our store. But we did I did it all the time was so much fun. And because my clients while I was like my, my client, my lady, she wears makeup like, right like she's gonna be at the cool place. So how do you work with? How do you consider like, who to collaborate with? Is it always like who's the hottest on the market? Or is it more like what's what are you guys? What's the criteria you look at to make sure someone's a good partner?Whitney Lee 19:59  Exactly what you just said, so like, you know who your woman is so well, right? You know, the woman that's doing Pilates. And you also know that she's a makeup girl, you know, she's probably also a hair girl and a nails girl, like, you know, you know who your person is. And all you have to do is find other brands that they are that mean, that's like literally a perfect example and other brands and other products or other services that aren't competitive to you necessarily. But you know that that person also uses that, you know, so like, gosh, if I was Lululemon, I would be out partnering with some mom brand, every mom, you know, they're all wearing Lululemon, you know, like, go out and partner with some mom brand of anything. I mean, I'm not a mom. So I don't really necessarily know all the brands and businesses that moms use, but done that that's a great partnership right there. So I think it just goes back to like being clear, really clear on who your person is. And not just how they use your product, but the other things, the other aspects of their life. And then you hit them in those other angles. And just like you said, it's so key is like, it's not all people don't want to be sold stuff all the time. Just show up and serve. And, and let them meet you and see who you are and see your personality and see what you stand for. And the people that align with that will immediately be drawn to you. And I guarantee they'll be even more drawn to you by the fact that you didn't try to cram something down their throat.Lesley Logan 21:31  Yeah. So something that I I'm, I know that like some of our listeners, we think it's like, yeah, I get that guys, but like, I'm, I don't know that what makes me like uniquely different like we have, there's this thing about our women, a lot of women, they have a hard time identifying their unique differences. Is this something that you talk about with the businesses that you work with? Like, are there key? Are there things that you look at? You're like that makes you different than you know what you can't read the label inside the bottle, so you can be a fairly confident person and still go. I don't like to be different from these people over here.Whitney Lee 22:03  Yeah, I don't know if you are the one who taught me that saying I literally said that on another podcast like a week ago about like, you can't see the label inside the bottle. And they were like, That's genius. And I was like, I can't take credit for that because someone else told me that. So I don't know if it was you. Lesley Logan 22:19  But someone definitely told it to me too, because I was probably in a moment where I'm like, I don't understand it like well, you can't read the label inside the bottle. So it's a good saying everyone should like remember it. Whitney Lee 22:29  Yes. And now I totally forgot. So we were talking about Lesley Logan 22:32  Oh, like how to figure out like what makes you uniquely different for the person who's like stuck in the bottle. They're like, also they're like imposter syndrome. They see like these other brands over here like what makes me different than them. It's so funny to me. I'm getting inside my own question, but maybe this will help. In my neighborhood. There are four coffee shops, locally owned coffee shops, four of them. They are two across the street from each other. The other two one is down the street, one block and the othe's around the block. So like to me these four business owners are like there's enough there's enough to go around we can each have a coffee shop and they're all different like one a little bit more Cuban one definitely is like a bit more like a like a Dunkin Donuts it's a little clinical and there it's like not super exciting. Then there's one that like they are their signature latte is cardamom or the other one. The signature latte is Rosemary. Right? It's very strange. One is very hip to working. So like they eat for like, how do I be uniquely different person we all are? They're all doing lattes. Yeah, but they all are serving a different clientele. One is very hipster. One is very punk. One is very businesslike. Right. So I think that that's really easy. They can totally highlight who they were talking to. But when I work with people who work for themselves, they are their own business, I find that the hardest thing to get them to understand is that there's a unique difference to them. Because it's all like they it's almost like they're bragging or something like art, something like that. So I'm just wondering, like, how do you highlight? Or how do you figure out what that is to highlight with this with someone? Whitney Lee 24:00  Yeah, and you know what we talked about this sometimes in brandbuilders group too of like, I'm not the first PR person to ever exist. But there's something different about the way that I deliver it, or there's something different about my personality or my angle or my way of thinking I watch Shark Tank all the time. I'm such a nerd. It's just so interesting to me. And I felt like I learned so much about business. So Mark Cuban used to say like you're either the first, you're the best, or you're different. So am I the first PR person? No, not never. Am I the best? Well, of course we all think we're the best and unless you have an award, you know, if you have an award, definitely put that out there to show you're the best but if you're different, how do you portray that you're different and I think even some of that can go back to like talking to the people that you serve now. Like what made you pick me over some other PR person or you know, and also just really getting to know like what is your superpower? You know? So for me, what I like recognizes is that I think my superpower is like taking things that are really complicated. And making it super approachable and easy for people to understand. You know, even like when I spoke at She Who Wins, like, when I speak in front of people, it's not my, my goal was not to make everybody in the crowd think I'm smart, Ooh, hoo, cool. My goal is for everyone in the audience to like, walk away with something that they're like, Wow, I can actually do this or like, Wow, it's really not that complicated. So I would say that my superpower, again, there are so many great publicists out there. But I have such a good way of making things so simple for people where they don't feel stupid, they don't feel overwhelmed. They know exactly what the point is. And it's simple to them. So you know, again, sometimes it's not always the service that you're doing is different. It's your way of thinking about it, or your way of delivering it is different to people. And some people just jive. You know, like, you know, some people meet me and my personality, either totally jives with them, or it totally is like, not their thing, you know, and sometimes it just boils down to like personality and connection. Lesley Logan 26:14  Yeah. I really like that you broke down like you're the first year the best or you're different. I think like that is that's an I've really highlighted because like, not the first place instructor. Yes, I was the best in L.A. for who they and I did not buy that. I was like, I really did think that people like pay for those things. And that issue, maybe people do, but they actually did come to my class. I looked at my receipt and was like, Oh, this is the person. Okay. I saw the email. I was like, ah, but I'm not. So yes, maybe voted the best. But like, I'm a classical Pilates instructor, which means I teach the same exercise, it just applies to it. So here like, I like how do I differentiate myself, in a world where like, I literally am teaching the same thing that someone has been doing for for a century, right? So so so I, you know, in our companies, we make things colorful, we're very much about being not being perfect. And then we use, we use like, 80s, 90s stuff, like we make ourselves extremely different than what was perceived for the longest time. It's like a classical Pilates world, which is like everyone wears all black. Everyone's a dancer. Yeah, no offense to the dancers, or people who wear all black, it's totally fine. You can be different that way. But for us, it's how we differentiate ourselves. Because it was the only way to stand out in a market where like, there's people who like, clearly have been teaching this for 30, 40 years, so I'm not gonna ever I can't compete with that.Whitney Lee 27:37  Yeah, yeah. And you're not the most experienced, you're, you know, and sometimes it also comes down to like, the way you package or price things. It's hard. Sometimes it's hard for me to like make generalities, because we don't know the people listening to this about like, what business and industry they're in. But sometimes it can be the pricing, maybe you are the most luxurious and the most expensive, you know, or maybe you are the most cost effective. Or maybe you don't make people commit to X amount of time. Maybe you I mean, there's like so many different differentiators. So I think, you know, I think it's people have mixed feelings about looking at their competitors. And I don't say to look at them to spy on them or copy them, but look at them to see how they're structuring things and to see you something many times you will immediately see how you are different than them just by looking at what other people in the industry do.Lesley Logan 28:28  Yeah, well, I mean, like, if you look at Dry Bar, right? In the industry, she was in, everyone went for a cut, color and a blowout, like you didn't just go for a blowout. So she's like, well, we're just gonna do blowouts, like, that's all we're gonna do. Like she differentiated in that way. There's like places where normally people have to do memberships. So there's been businesses where they differentiate, like, you don't have to do a membership, you can pay a drop it like we that's how we're different. So I think it is like looking at them to understand what they're doing. And then figure out like, how you how what you the way you offer it, the way you package it, like you said, is the most unique thing. And then, and then like what we hear from our coach would be (inaudible) deal it's like and then exploit that in the goodness of others.Whitney Lee 29:05  Yeah, exploit it and talk about it and share it because to someone out there, that is a different that is a defining factor, or that is something that's going to cause them to take action. Lesley Logan 29:18  Yeah. Yeah. So Okay. Um, when you were starting your own PR company, which is a very big deal, like, I mean, it's not the easiest thing to start your own company. Was, was there ever. Was there anything that you had to like, tell yourself or is there anything that you did to like, make it easier for you to show up every day and be new at something like how it was the beginning days, 10 years ago for you?Whitney Lee 29:40  Oh, my gosh, I remember making my own website, and I felt so dumb. And I was like, oh my god, this is so homemade. You know, we're very critical of everything we do ourselves. I was also really young. I was in my 20s. And I remember going to like chamber events and young professional events and people would ask me what I would do and I felt so stupid, saying like, Oh, I'm Whitney and I do PR. Like, I had to, like train myself with my little elevator speech. And I used to tell myself all the time, like, people my age were like, oh, cool, okay, you're trying to do your own thing cute. But people like older people, I kept telling myself like, they don't take me seriously. Like, and sometimes it was because the things that people would say to me like, Oh, you have your own company. That's so cute, like a little Facebook company. Or people would call me like, Oh, she's a little Facebook girl. That's a, that's what she does. And I'm like, No, that's not at all. I mean, that's a part of what we do is social media strategy, but like, don't call me the Facebook girl, you know, like, but over time, like I just my, like, impostor syndrome for a while, would like tell me like, people don't take me seriously, because I'm in my 20s. Like, someone for some reason I thought someone in their 20s can't own their own business. So when I turned 30, I finally was like, Yeah, people are gonna, like, respect me now. And like,Lesley Logan 31:06  That's funny the stories we tell us now that I'm 30. Now they'll respect my business. Change overnight. Whitney Lee 31:12  Yeah, suddenly, I'm 30. So I'm legit, like, but also like, I needed to look back because they were hiring me in my 20s. So obviously, if they signed a contract with me and gave me money, they took me seriously, right? So I always tell people, you got to, like get out of a space of like, operating based off your feelings all the time. And you just got to look at the facts, you know. And, I mean, I'm not saying not to have fields and all that kind of stuff. But like, especially as women, we most women operate based off of emotion and how they're feeling that day. And I am kind of a little bit of the opposite. And the fact that like, when I think or feel something, I immediately start looking for facts to prove or disprove what's happening in my brain. You know, and I just was grasping, yeah, I try to grasp on to the facts instead of feelings, because we're gonna have all kinds of feelings, I'm feeling hungry, I'm feeling tired, I'm feeling jacked up from all this caffeine I just had, all those are just feelings, and those are going to go away within a few hours, a few days, a few weeks, or whatever. But like facts are facts. So you've got to and I even say this about the business, like we don't operate our strategies, we don't come up with strategies off of feelings. Like I feel like this is a good idea for you to do this partnership. No, I look at the facts of like, who is their audience? Who is their database reaching? Oh, their database is reaching women that do this, this and this perfect that that is a good partnership. So like, we gotta get out of the space of like, get out of our head sometimes and stop operating off of feelings. And like, sometimes we'll come up with facts. Those aren't facts, you know what I mean? Like, look for the true facts. And and you got to, you know, just be self-conscious, aware, you gotta be aware of your thoughts enough to know that they're just thoughts.Lesley Logan 33:05  Yeah, I really, really love what you said there. I think, like, rewind, and listen to that again, like, because I do, I think, like, obviously, there's gut instinct, or there's like this intuition. That's really amazing. But especially if your feelings are like, Oh my god, I'm not good at this. It's like, hold up, now you're gonna start making posts, or you're gonna start doing this, or you're not gonna do anything at all based on this feeling. And your business is going to suffer or you're going to attract different people than you want it because you use your feeling instead of going. Actually, fact are even when I was 20, and feeling impostor syndrome, people are giving me money. So I must have been pretty fucking good. Because people did that. So I can't go off of the feeling like, Oh, I'm just this 20 something PR person, I have to go off of the fact that like, no people paid me to do it. So I was good. You know, so I really liked that. Because I always have this Fuck Yeah Friday thing where like, here at the podcast, I share people's wins. And then I share a win of my own, and I would love people to have a Fuck Yeah every day. Maybe we'll make a journal everyone because I think if you like put your wins of the day in, right you like actually keep track of things. You have facts to go back upon. When you're having those feelings like this isn't working, nothing's working. I actually go back and look like I look at our analytics for the website, traffic every week. I look at our analytics of newsletter open rates and click rates every week. Whitney Lee 34:25  I am so proud of you. That's like stuff we beg our clients to look at. We're like look at these really cool numbers. And they're likeLesley Logan 34:31  I couldn't stop myself from looking right away. Because I'm like, we drop a new YouTube video and I'm like, Hold on how many? It's like, no, gotta let it do the 24-hour thing. You gotta wait a second. But like, I do look at those things because it is the only way to combat the feelings because on any given moment of the day, do you work as a human being who's not a narcissist. I'm going to have a moment I'm like, nothing's working. Nothing is working. This isn't working. It's like well actually, no, all of these things are working. Look at the look at these stats right here. And also, if one of those stats was low, the open rates would have dropped down. Okay? What happened? When did they start dropping off? What did we do? What? Like, what what did we do before that could work? Because I have the facts. So I don't have to let the emotions I'm feeling like nothing is working. Rule of the business, nobody, we wouldn't be able to keep a team if my feelings ran this business.Whitney Lee 35:20  Exactly. And that's why, like, you know, it's like, I think the worst thing you can do is just to hide from it. You know, like, whenever I go on vacation, and I come back, like, I will not get on the scale, because I'm like, Oh, I feel disgusting. Until a few days later, when I can, like detox it out. But like, sometimes it's good to just know the truth and be like, hey, our email rate is dropping, and like, what can we do to fix this? Rather than like, being so fearful of looking at the number because you don't want to see the hard truth? Like, it's okay. Like, put on your big girl panties? Like, look at the hard truth. And, and then that's when you can actually figure out a way forward.Lesley Logan 35:57  Yeah. Yeah, I think it's like, yeah, there are there. Like the days we were like, I don't wanna look at the bank account, because I just went shopping.Whitney Lee 36:04  Oh, my God, yes. That's a better example of the scale. When you're like, What is my statement balance gonna be today?Lesley Logan 36:12  That was, that was less than I calculated. But like, when you are aware of these things you can actually make, you can actually make decisions. This morning, the time of recording this, we had a team meeting. And our team is all around the world. So we had to do at 6am. And I'm like I'm doing on the dogwalk guys, because like, I can't sit in front of a computer at six in the morning. That is, like, if we're going to interrupt my morning routine, I gotta be on my morning routine. So we're doing this walk. And it was so much easier to have a team meeting, knowing. In the past last time around this event, here are the mistakes that we notated that we made that we want to fix for the next time. Here are the ideas we had last time here, like all this information, is it's just it's key data that allows us to make the decision like these are I mean, it's a guessing game, we are guessing that these are the best dates to open cart for earlybird. We are guessing that this is the best time to do this thing, even though it's a holiday in the middle of that, like, it's all guessing. But based on data from the past, we know people will open up these emails at least 60% of the time we know these things. So we can make those decisions and not feel like I hope it works.Whitney Lee 37:19  Oh my gosh, well, you know, I tell our clients that too that like not every single thing we do just because we're experts, not every single thing we do works perfectly on the first try. Hello, I jokingly say like we're like little scientists, like we make a hypothesis based off of our education and our experience. And then we try out the hypothesis. And then we see what happens and we tweak from there. You know, like, it's okay, if everything you do, it's not going to I'm going to go ahead and make that like clear statement, not everything you do is going to work on the first try. And most the time, it's not going to work on the first try. But the difference is they're just people who push through and keep trying. Whereas other people just throw their hands in the air and say like, This must not be a fit for me. This must not be it.Lesley Logan 38:03  Yeah, you're so right. Also, if it works on the first try, you actually don't really it's kind of hard to to recreate that sometimes it's a little easier if it works. Okay, like our first launch with our coaching program. It was it was it was great. It was great for us we'd like had the biggest launch we've ever had. It was if we did those numbers today, I think we'd cry but like, it was, it was it was good. And we're like, Okay, our mutual friend Keri, she's like, You guys should do that thing again. So we did it again. And it tripled, right? Because we had information from the first time to like, oh, okay, we did this last time. Are there tweaks I want to make? Okay, let's do let's oh, let's do these things. Let's pull, let's pull the dial on this a little sooner. Let's, this probably didn't do anything. And we had a survey as well. Like you said earlier, ask questions. We had a survey. So we did it again. The third time we did it, it did not go well. And we're like, oh, well, what was what was different about this third time? And what we it's an experiment all we could really actually figure out like we did in the summer. Like yeah, that's (Whitney: I was just about to say timing) timing. Like, we didn't mess up our thing, which is like hard for people who are small business owners who have kids and most of the people in our industry have a family for them to get away from for a week. They might be on a holiday that week, right? Like so. So it's like when you repeat things, you're able to really understand what worked what didn't work. And like again, you're right when some if something didn't work, if we guess like if we had this goal of like 50 grand on time one and we only did the money we did. We've been like up that didn't work. It's like well, actually, it how do you know it didn't work? It's until you try it again. So I think that it's true. Like you can't just give up and try new things all the time because you just won't actually know.Whitney Lee 39:45  Yeah, and you also have to just change just a little bit like you have to. It is literally like a scientific experiment. If you change like six different things and something different happens the second time you're not going to know which one of those six things made the difference. You are like you got to have a control.Lesley Logan 40:00  Yes, yes, yes, I mean, so true. It's the same thing like when I teach people a Pilates session like, I'm not going to give you an entirely new session the next time because if you tell me Oh, I like hurt here or actually has a little more sore here, I'm not going to what? I'm not going to know what was what was the thing was different. But if I only added five new exercises and go, Okay, well, there's only five different ones that we did. So like, let's look at these five, it makes it so much easier. Oh my god, we can just keep going. I fucking love you.Whitney Lee 40:25  Like, we're talking about PR, but we're also talking about science and neuro pathways. And I think there's a lot of science and, and a lot of psychology, I have people on my team that have a degree in psychology because it is very much so a psychology of like, how to get into someone's, you know, life and brain and, and speak to them and what, what motivates people to do what you know, so like, there's a lot of psychology to it, which is why I always say like, PR is not hard. It's not it's not freakin rocket science. Anybody can do it, anybody can. But the differences is like, just A) connections and relationships go a long, long way. And B) that just the repetitive of trying and failing, trying and succeeding, like, you know, that's the world of PR.Lesley Logan 41:18  Okay, we're gonna have to have you back at some point to just talk more, because you're just a brilliant wealth of knowledge. Maybe we'll have a panel with all the amazing women who've been on the show. (Whitney: That'd be awesome.) So fun. So I want to take a brief moment and have to find out how people can find you follow you work with you and your Be It Action items. Lesley Logan 41:35  Okay, Whitney, where do you like to hang out? Where can people learn more? See if the that's the right fit to work with you or just follow you for amazing advice.Whitney Lee 41:43  Yeah, okay, so um, if you want to find the agency, check out truestorypr.co - not .com -truestorypr.co. Also, we have our own podcast, which you can go and listen to my episode with Lesley, it's True Story the PR Podcast. So it's a cool mixture of just marketing and PR PR advice, but also like hearing people with really cool stories and brands and how they got to where they are today. So check us out on the podcast, you can find True Story on all the social media platforms. But if you want to connect with me personally, on Instagram on The Whitney Lee, T-H-E Whitney Lee, or you can find me on LinkedIn. It's Whitney Lee.Lesley Logan 42:20  I love it. So we'll also put all that in the show notes. We'll to put the episode links on your podcast in the show notes because it's so fun. Okay, you have given us amazing tips already. So so if I would love for the you know, bold, executable, intrinsic target steps people can take to Be It Till You See It. What are some action steps people can take today?Whitney Lee 42:38  Okay, I would definitely say start showing up on social media. I think everybody says that. So that's kind of a lame one. But definitely showing up on social media authentically. Stop it with the overly manicured photos like get in your stories on the daily like, figure out what how you're different and talk about that on social media. It's more about storytelling than anything. Um, action items, I would definitely say talk to the people if you're a business owner, talk to the people that you're already serving. That is probably the number one thing and find out why they chose you where they heard about you all these valuable things. People will absolutely tell you their opinion. You just have to ask and sometimes people tell you before asking but you just have to ask and you have to ask the right questions. So I think some of the most low-hanging fruit is just truly talking to the people that you already serve and the people who love you. So I think that would be number two and number three I would say put yourself out there you know like that is all that PR is like we we send out pitches on pitches on pitches all day for earned media coverage for partnerships for speaking engagements for podcast tours, is you have to just continually put yourself out there because good things will come to you even when you don't even realize what you're what you're gonna generate is just like consistently putting yourself out there so it just depends on your your brand or your business but even if it's reaching out to 10 different podcasts and saying like here's the value I can provide to your audience. It's not about you don't lead into it with I am a best-selling author I am a this I'm a that it's like here's what I can share with your audience. So I always say educate and give without asking for anything in return is the the best angle to go at it. From the get go and it will come back to you. It's a long game. It is not going to be overnight. But it will come back to you.Lesley Logan 44:44  I love all of those Whitney. I again could just talk to you forever. We're gonna have to have a coffee date or a happy hour on Zoom. I miss your face. Guys, how are you going to use these action items in your life? Tag Whitney Lee, checkout True Story Podcast and let us know what your favorite takeaways were, what were the things that inspired you, what got in your head that makes you go oh yeah I mean I love the feeling, I'm so all about that. So, Whitney, thank you so much and everyone else until next time. Be It Till You See It. Lesley Logan 45:08  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. Brad Crowell 45:08  It's written, filmed, and recorded by your host, Lesley Logan and me, Brad Crowell. Lesley Logan 45:08  It is produced, edited by the epic team at Disenyo. Brad Crowell 45:08  Our theme music is by Ali at Apex Production Music, and our branding by designer and artist Gianfranco Cioffi. Lesley Logan 45:08  Special thanks to Melissa Solomon for creating our visuals and Ximena Velazquez for our transcriptions. Brad Crowell 45:08  Also to Angelina Herico for adding all the content to our website. And finally to Meridith Crowell for keeping us all on point and on time. Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Joe Rath, Head of Industry Relations at Redfin, joins me today to discuss the NARs rule on "clear cooperation" on the MLS.  Joe will explain "clear cooperation", pocket listings, the purpose of the rule, drawbacks, advantages and the possible future. Joe will also talk about the Sitzer and Moehrl settlement and how it may affect the industry moving forward.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area. 

Part of the Sitzer and Moehrl cases involving the seller allegedly paying the buyer's agent's commission has been settled.  Anywhere (formerly Realogy) settled the case this past week. While this does not end the case altogether, it could have a tremendous affect in the market.  SC REALTOR Association CEO Nick Kremydas joins Dishin' Dirt to discuss this case as well as many other issues that NARs is facing today.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area. 

It's a grab bag of high-low delights this week: The new François Nars documentary; a product that gets rid of the smell of weed; tips for chapped lips; a South Asian-inspired makeup brand at Sephora; the soon-to-launch Liberty London perfumes; and, yes, the world's longest mullet. Plus, we raise wands to a sensual and witchy perfume, the drugstore shampoo and conditioner that never fails, and a cream blush stick in a plastic-free (compostable!) container. Products mentioned in this episode: shopmy.us/collections/249850Episode recap with links: fatmascara.com/blog/ep-501Sponsor links & discount codes: fatmascara.com/sponsorsPrivate Facebook Group: Fat Mascara Raising a WandSocial media: @fatmascara, @jessicamatlin, @jenn_editSubmit a "Raise A Wand" product recommendation and be featured on the show: email info@fatmascara.com or leave a voicemail at 646-481-8182 Become a member at https://plus.acast.com/s/fatmascara. Hosted on Acast. See acast.com/privacy for more information.

Yon Raz-Fridman is an entrepreneur, repeat founder, and technology executive. Originally from Israel, he went to London to start his career, met his wife, and moved to New York. Eventually, they moved back to her hometown and are now based in Columbus, Ohio. In college, Yon was part of an entrepreneurial academic program where he developed a passion for blending expression, creativity, and digital products.Supersocial is the number one developer, publisher, and operator of premium virtual worlds on immersive social platforms like Roblox and Fortnight. They create engaging games and experiences that focus on bringing joy to next-gen digital communities using their IP and IP from some of the world's most innovative and largest brands and companies. After seeing the rise of Minecraft, Roblox, and Fortnight before and during the pandemic, Yon began to believe virtual 3D worlds would be the next frontier of the consumer internet. There are two generations (Z and Alpha, born after 2000) that have been born into a smartphone-based world with large, immersive social platforms. They are playing, socializing, and expressing themselves on these platforms and representing themselves as a 3D avatar with a mindset of "It's not just me playing the character. I am the character". Yon realized these kids are going to grow up and will likely want to continue to interact with the internet in the same way. This evolution will change how they interact with media, entertainment, and shopping. While the fundamentals are yet to be determined, the scale is undeniable.In this episode, Alan and Yon discuss how Supersocial capitalizes on that hypothesis, how brands and advertisers might think about experimenting and getting in early, and what the KPIs are in these spaces. Yon talks about trends he sees in the Metaverse, how they are connected to actual human behavior change, and how Supersocial works with brands like NARS to harness these opportunities. Yons says the Metaverse isn't replacing the current internet; it is the next iteration. It is the next frontier of the consumer internet, and there is exponential potential to grow into it. However, he also warns against getting caught up in hype, both negative and positive, and instead advises to "pay attention to what people do with technology, not the technology itself."In this episode, you'll learn:What Supersocial does and the KPIs they care aboutThe inevitable evolution of the internet and how we use itWhat most people are missing when they think about the MetaverseKey Highlights: [01:46] From Isreal to Columbus, Ohio[06:10] The spark to start Supersocial[11:45] What is Supersocial?[12:40] What we don't know and what we are missing when it comes to the metaverse[14:45] The internet is evolving into the next iteration.[17:45] How might there be 100 billion people in the Metaverse?[20:00] What is Yon seeing in the Metaverse today?[21:30] Bringing brands to Roblox in an authentic way[26:20] How brands can start in the space[29:47] Metaverse success metrics[32:00] Pandemic pivot[36:00] Advice to his younger self: Perfect is the enemy of great.[37:30] Be careful how much you rely on technology versus what people do with it.[40:50] Trends and subcultures[44:00] You own your time.Looking for more?Visit our website for links to resources mentioned in this episode and ways to connect with the guest! Become a member today and listen ad-free, visit https://plus.acast.com/s/marketingtoday. Hosted on Acast. See acast.com/privacy for more information.

Being recognized as National Association of REALTORs 30 under 30 is an incredible honor.  It means you are one of the biggest and brightest, up and coming agents in the country.  This week I talk with 30 under 30 honoree, Brandon Greenplate, from Hilton Head, SC about how he became one of the top agents in the country in just 4 quick years.  He credits "HBUTTS", the highest and best use of time, talent and skillset with his rapid growth.  Learn how Brandon grew his business so quickly and how you can too.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area. 

Jeff Wheeler joins Dishin' Dirt again for PART 2 of the NARs lawsuits which will change the landscape of real estate. This continues to be the most important Dishin' Dirt ever. Real estate agents are under attack by plaintiff lawyers and the Department of (In)Justice.   Last week we discussed the adverse commission case. This week we address the lawsuits involving clear cooperation and pocket listing and much more.   Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area. 

Is your makeup making you look older?  Did you know that wearing makeup that was once fashionable or using old makeup techniques might actually make you look older? #UMNO But with a little revamp and some inside knowledge, you can learn how to look younger as each day passes, or at least look like you are aging gracefully. #SIGNMEUP  With the help of this week's special guest, Makeup Artist, Skincare Expert, and Beauty Educator Allyson Wisel, we take a look at how the wrong makeup or techniques can add years to your look without even realizing it - and how just a few adjustments can start turning back the clock with ease. ABOUT ALLYSON: Our guest is a beauty industry powerhouse with extensive experience in education and selling for well-known global brands such as MAC, Trish McEvoy, NARS, Laura Mercier & Dermadoctor. She began her career in artistry in 2005, working at the Trish McEvoy Counter, followed by Laura Mercier, MAC & NARS. As Director of Sales & Education for Dermadoctor, she conducted training all over the US and continues to utilize her makeup skills, demonstrating makeup techniques on The Today Show, Fox and Friends, and Dr. Oz. As a full-time makeup artist, Allyson now does makeup for clients on CNN, MSNBC, YES Network, and NBC. In addition to working in TV, she also works with corporate and commercial clients, private clients, and on film projects, and regularly works with NYC photographers and modeling agencies. And she has done Holly's makeup in the past...but since she won't live in Holly's bathroom we have to have her on the podcast to give us some refreshers. #letsbehonest Allyson believes that cultivating genuine relationships with her clients, in addition to her passion for makeup, is what is enables her to give her clients confidence through makeup!   MAKEUP TIPS TO MAKE LOOK YOUNGER: Start with your foundation and create a blank canvas. Fix thinning brows with a natural color and products to help fill and set them.   To fix hooded eyelids, focus on elongating. Place your shadow in the crease of your lid and pull up. Using eyeliner can also give more definition to your eyes. Applying liner in the upper lid waterline can make you look like you have thicker lashes. Eyeliner opens the eye and can make them look bigger. Allyson shares more techniques and some of her favorite beauty products to help you avoid makeup mistakes that make you look older! Be sure to head over to Holly's Pinterest Board created just for you for all the products mentioned in this episode! IN OTHER NEWS! In case you missed the WORLDWIDE RELEASE PARTY for Holly's new book…. Holly has just published a new style guide: Stop Making These Fashion Mistakes! Makes a great gift for those who need it, and those who don't know they need it. This will be a game changer for anyone who could be struggling with their style. This book was written for you! It is available on Amazon – and is already a BESTSELLER!! Get your copy today! #YYYAASSSSS As always, please listen to the podcast wherever you like to listen and recommend us to your friends and family. If you sign up for our newsletter, you get all this free fashion content, delivered straight to your inbox. Every. Single. Week. Don't know how your day can get any better! Thank you for being our Fashion Besties! Xoxo –  Holly Katz Podcast: https://apple.co/2XXKHfC Book:  https://www.amazon.com/dp/B0CCZZZBKK  

Are you able to advertise a sold listing? - Ep 203   On this episode of the Real Estate Fight Club, Jennifer and Jim Camarata talk about "Are You Allowed To Advertise That Sold Listing?" Tune in and find out more about whether or not you are allowed to advertise a sold listing. You wouldn't want to end up in realtor jail, watch this episode!   Episode Highlights:  Jim says that you can't tell the world that you participated in a sale if you did not participate. If you put out advertising materials on listings that have sold, you have to be directly involved in them. NARS says that it would be misleading to go against that. Jennifer asks that if you are given permission to advertise a for-sale listing and also gave credit to whom it was from, would that be okay? Jim recited article 12, Only realtors who participated in the transaction as the listing broker or cooperating broker, ergo the selling broker, who claims to have sold the property before closing a cooperating broker may post a sold sign only with the consent of the listing broker. Jennifer wants to clarify what is the difference between advertising a for-sale property and advertising a sold property because it feels the same. If the Ad Copy solicits new listings from potential sellers by implying that the agent/brokerage sold the listing when they didn't, it is against the rules The final verdict is that you are allowed to advertise for-sale to pending listings as long as you got permission and you also credit the people who are direclty involved in the transaction properly, but you are not allowed to do so for "SOLDS". 3 Key Points: If you advertise on listings that have sold, you have to be directly involved in them. Article 12 says only realtors who participated in the transaction as the listing broker or cooperating broker, who have sold the property before closing may post a sold sign only with the consent of the listing broker. If the Ad Copy solicits new listings from potential sellers by implying that the agent/brokerage sold the listing when they didn't, it is against the rules Tweetable Quotes: “you can't tell the world that you participated in a sale if you did not participate.” - Jim Camarata “it implies that you had something to do with that sale.” - Jim Camarata “I mean, these are the properties that sold and I'm advertising my services and I see what they're saying like it's implied, but what's the difference between doing that for a for-sale property and doing that for a sold property? It feels the same.” - Jennifer Murtland Resources Mentioned:  Jenn Murtland LinkedIn | Facebook | (513) 400-1691 | Website | Instagram https://jennifermurtland.com/Vault/ Monica Weakley website | LinkedIn | Facebook Real Estate Fight Club Podcast  Facebook page | Instagram | YouTube Jimcamarata@kw.com / Jim Camarata  612-562-7461     Thank You To Our Incredible Sponsor Partners (Get Great Discounts with these links) Ghostpostr - https://www.ghostpostr.com/ (Get It For FREE!)   Pipeline Pro Tools - https://pipelineprotools.com/fightclub/   RedX - https://www.theredx.com/fight-club/ Achosa - https://www.achosahw.com/  (Use the Code FightClub)

And just like that… it's another CARPOOL episode! It's so important to find joy in the little things. And that's why Mary Beth and Benny spend this week riding for the horniest makeup brand on the market today. The gift we were given by the great François Nars… NARS! Stop by your local Sephora, pack on that Laguna bronzer, and enjoy this episode that is not a paid ad believe it or not. Kiss kiss!Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The girlies are back in the studio together and they're fresh off of the plane from their influencer brand trip to Puglia, Italy with NARS cosmetics. They're talking highs and lows of their trip, including Remi almost being FORBIDDEN from leaving Italy. Tune in!! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The girlies are back in the studio together and they're fresh off of the plane from their influencer brand trip to Puglia, Italy with NARS cosmetics. They're talking highs and lows of their trip, including Remi almost being FORBIDDEN from leaving Italy. Tune in!! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

A note from team Getting Curious: This episode contains descriptions of violence that are at times graphic. Women in Iran aren't allowed to dance, sing, or show their hair in public. But it wasn't always this way in the country. In part two of our conversation with Moj Mahdara and Nicolette Mason of the Iranian Diaspora Collective, we're exploring the history of the Islamic Republic of Iran—and considering what a free, secular democracy, a new constitution, and an end to theocracy could look like for Iranians. If you haven't listened to part one yet, check it out. We discuss the basics on what it's like to live in Iran today, and map out the women-led revolution underway in the country. You can follow Iranian Diaspora Collective on Instagram @iraniandiasporacollective, and at iraniandiasporacollective.com. Nicolette is on Instagram @nicolettemason. Moj is on Instagram @moj.  And you can follow us on Instagram and Twitter @CuriousWithJVN to join the conversation. The Iranian Diaspora Collective (501c3 pending) is a non-partisan, multi-faith group that is inclusive of multiple backgrounds, gender and LGBTQIA+ identity. The Iranian Diaspora Collective supports the demands of Iranians inside Iran who want a free, secular democracy, a new constitution and an end to theocracy. Nicolette Mason (she/her) is a celebrated writer, brand strategist in the fashion and beauty industries, and advocate for Inclusivity. She's a queer, Iranian-American, Jewish advocate, and a founding member of the Iranian Diaspora Collective. As an advocate for diversity and inclusion, Nicolette has collaborated with brands such as Barbie, Nordstrom, Target, NARS, and more, and also co-founded a cult-followed fashion brand called Premme, alongside Gabi Gregg. Moj Mahdara (she/they), is an Iranian-American entrepreneur, CEO and VC, a co-founder of Kinship Ventures and founding member of Iranian Diaspora Collective. They are focused on bringing more inclusion and diversity to the cap table and have invested in 100+ companies since 2011. Mahdara recently co-founded new fund Kinship Ventures alongside Gwyneth Paltrow. They are also the former CEO of Beautycon, a globally-recognized community for content creators, celebrities, fans, and brands. Jonathan is on Instagram and Twitter @JVN and @Jonathan.Vanness on Facebook. Transcripts for each episode are available at JonathanVanNess.com. Our executive producer is Erica Getto. Our editor is Andrew Carson. Production support from Julie Carrillo, Chris McClure, and Erin McKeon. Our theme music is “Freak” by QUIÑ; for more, head to TheQuinCat.com.

A note from team Getting Curious: This episode contains descriptions of violence that are at times graphic. If you haven't heard about the women-led revolution happening in Iran, or you thought things had quieted down, that's by design. The Islamic Republic of Iran has banned women from dancing, singing, and showing their hair in public. And they've restricted Internet access for people across the country. Still, taking these risks—and showing the world—is worth it to Iranians who want a free, secular democracy, a new constitution, and an end to theocracy. This week, Moj Mahdara and Nicolette Mason—two founding members of the Iranian Diaspora Collective—join Jonathan for a two-part conversation about the country's biggest protest movement in more than 40 years, and what's at stake for women, young people, LGBTQIA+ people, and ethnic and religious minorities in particular. In part one, we'll focus on the last six months in Iran. In part two—out tomorrow—we'll explore the history of the Islamic Republic, and what the future could hold for the people of Iran. You can follow Iranian Diaspora Collective on Instagram @iraniandiasporacollective, and at iraniandiasporacollective.com. Nicolette is on Instagram @nicolettemason. Moj is on Instagram @moj. Follow us on Instagram and Twitter @CuriousWithJVN to join the conversation. The Iranian Diaspora Collective (501c3 pending) is a non-partisan, multi-faith group that is inclusive of multiple backgrounds, gender and LGBTQIA+ identity. The Iranian Diaspora Collective supports the demands of Iranians inside Iran who want a free, secular democracy, a new constitution and an end to theocracy. Nicolette Mason (she/her) is a celebrated writer, brand strategist in the fashion and beauty industries, and advocate for Inclusivity. She's a queer, Iranian-American, Jewish advocate, and a founding member of the Iranian Diaspora Collective. As an advocate for diversity and inclusion, Nicolette has collaborated with brands such as Barbie, Nordstrom, Target, NARS, and more, and also co-founded a cult-followed fashion brand called Premme, alongside Gabi Gregg. Moj Mahdara (she/they), is an Iranian-American entrepreneur, CEO and VC, a co-founder of Kinship Ventures and founding member of Iranian Diaspora Collective. They are focused on bringing more inclusion and diversity to the cap table and have invested in 100+ companies since 2011. Mahdara recently co-founded new fund Kinship Ventures alongside Gwyneth Paltrow. They are also the former CEO of Beautycon, a globally-recognized community for content creators, celebrities, fans, and brands. Jonathan is on Instagram and Twitter @JVN and @Jonathan.Vanness on Facebook. Transcripts for each episode are available at JonathanVanNess.com. Our executive producer is Erica Getto. Our editor is Andrew Carson. Production support from Julie Carrillo, Chris McClure, and Erin McKeon. Our theme music is “Freak” by QUIÑ; for more, head to TheQuinCat.com.

What is the lede today? Blues? Tigers? Wildcard Weekend? Winter Warm-Up? Nope, Pepper n' Genie interviewed Matty Dreads & Katy Kush and we are getting into it. The podcast is not yet available, but will be at 10am today. Iggy spikes the football on KG in O-Town. Katy's work. Where are the clips? The PlowHawk's passport situation. Blues pick up a pair of points vs. the Senators. The Blues wild card standing. Will O'Reilly and Tarasenko be Blues after the deadline? WiFi in Jamaica. Jackson's trip to Indy. Ja Morant's dunk. Ben Hochman's column on the Cardinals. The boys break it down. Plowboy goes off on Lars Nootbarr, or as Iggy calls him, Nars Lootbarr. Cardinals are rumored to be interested in Pablo Lopez. Should Pepper n' Genie run this ballclub? What if radio stations could trade talent? Mungenast DFS Showdown results. Wildcard Weekend recap. Cowboys kicker. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.