Podcasts about Nationwide

SPONSORS: https://dkng.co/bears New DraftKings customers, sign up with code BEARS spend five bucks to get $200 in rewards within 21 days, includes all markets. For simple, online access to personalized and affordable care for Hair Loss, Weight Loss, and more, visit https://hims.com/bears If your revenues are at least in the seven figures, go to https://netsuite.ai/bears. Visit https://Betterhelp.com/BEARS. Get started with ShipStation today and get sixty days free at https://ShipStation.com, with code cave. Tom Segura and Bert Kreischer are back in the cave and surprise surprise, Bert opens with a confession: he wishes he'd never quit drinking. What follows is a full inventory of the modern male brain, the online pastor Tom watches every morning to get inspired, why 17-year-olds have no business being nostalgic for anything, the exact moment each of them gave up on playing pro sports, and why comedians never seem to get that same reality check. The guys break down Bert's Whoop addiction and the blood clot that started it, get talked into a completely fictional performance-enhancing stack for a 5K, fall in love with bull riding legend JB Mauney, pitch the worst sponsorship idea in podcast history, and watch a food delivery driver take on the entire Barstool office. Then it's cringe cancellation, sobriety influencers, 4:23 a.m. morning routine guys, and a long, very funny argument about which movie stars are actually men and which ones just look at themselves in the mirror. Plus Bert's new fragrance obsession, the colognes of Napoleon, Elvis and JFK, Sebastian Maniscalco's four seasonal robes, Joe Rogan's splits, Billy Bob Thornton at the CMAs, and a big announcement about the future of the show. 2 Bears, 1 Cave Ep. 337 https://tomsegura.com/tour https://www.bertbertbert.com/tour https://store.ymhstudios.com Bet with DK Sportsbook: Gambling Problem? Call 1-800-GAMBLER, 1-800-MYRESET. Connecticut: call 888-789-7777, visit https://CCPG.org. On behalf of Boot Hill Casino in Kansas. Bet tax pass-through may apply in Illinois. 21+. Void in Canada. Event contract trading with DraftKings Predictions involves risk of loss. Availability varies. Predictions offer void in New York. Bet to get Bonus bets that expire in seven days. Trade to get Predictions Dollars that expire in one year. $50 in rewards issued every seven days via click to claim for twenty-one days. One non-withdrawable reward redeemable. Terms at https://dkng.co/offer. Limited time offer. Nationwide based on Sportsbook, Predictions, and Free-to-Play Sports Contest availability. Varies by State. Chapters 00:00:00 - Intro 00:00:17 - The Jewish Joke Bert Can't Tell On Stage 00:04:26 - Pastor Manning 00:09:09 - Period Sex Confessions & Giving Up On Sports 00:21:50 - Nobody Quits Comedy Or Drinking 00:31:31 - Whoop Obsession, The Blood Clot, & Tren 00:37:09 - JB Mauney & The PBR 00:44:27 - Motorcycles & The 12 O'clock Boys Sponsorship 00:46:56 - The Barstool Helmet Fight 00:52:58 - Fighting Women 00:56:13 - Cringe Cancellation 01:01:35 - Tom's Pep Talk & Bert's Therapy 01:05:05 - Sobriety Influencers & Morning Routine Guys 01:09:04 - Cringey Actors vs. Real Men 01:19:33 - Bert's Fragrance Obsession 01:30:00 - Drakkar Noir Nostalgia 01:36:49 - Sebastian Maniscalco Is A Study 01:40:04 - Bert Meets Billy Bob At The CMAs 01:44:26 - 2 Bears Is Going Back To Weekly Learn more about your ad choices. Visit megaphone.fm/adchoices

Nathaniel Brimlow runs a nationwide land wholesaling business from Hawaii with a fully remote team of seven people. He walks through the buy box he uses to cut the entire country down to a workable list: two acres and up, $50,000 and up in value, owners over 65, and ten years of ownership or an inherited property. He also breaks down sell through rate, the metric he uses to throw out markets before he spends a dollar marketing to them, plus how his team disposes of land through realtors, neighbors, and local investor lists. KEY TALKING POINTS: 0:00 - Intro & Welcome 0:45 - An Overview Of Nathaniel Brimlow's Business 6:05 - Why Land Over Houses 6:51 - Underwriting & Deal Criteria 8:37 - Buying Remotely From Hawaii 9:24 - Pulling & Scrubbing Data 10:18 - Finding Buyers For Land 11:46 - Creative Title & Deal Stories 15:25 - Choosing Markets & Sell-Through 19:39 - Ideal Seller Profile 21:00 - VA Staffing & Where To Find Him 23:04 - Outro LINKS: Instagram: Nathaniel Brimlow https://www.instagram.com/nathaiel/ Website: Vita Talent Staffing https://www.vitatalentstaffing.com/ Instagram: David Lecko https://www.instagram.com/dlecko Website: DealMachine https://www.dealmachine.com/pod Instagram: Ryan Haywood https://www.instagram.com/heritage_home_investments Website: Heritage Home Investments https://www.heritagehomeinvestments.com/

Home Depot is taking same-day delivery nationwide with a new promise to get orders to customers in as little as three hours. Chris Walton and Joe Laszlo, Head of Content & Insights, U.S. at Shoptalk, discuss what the move says about the growing expectations around delivery speed and whether faster fulfillment can become a meaningful competitive advantage in home improvement retail. ▶️ Watch the full Fast Five episode here: https://youtu.be/Di1g7tZTEmI

We said we'd do it, we're rewatching the Sixers Celtics playoff series from April and May. Today we look back on Games 1 and 2. Then we discuss LeBron's connection to Dodgers owner Mark Walter reported earlier this week by Bloomberg. Watch the Sixers vs. Celtics series this way: https://www.rightstorickysanchez.com/p/the-sixers-vs-celtics-playoff-rewatchJoin the Bark In The Park team and get the Rebel shirt here: https://secure.qgiv.com/event/bitp26/team/1043142/The Rights To Ricky Sanchez is presented by Draft KingsAnthony Degli Obizzi is the official Financial Planner of The Ricky, text RICKY to 484-471-4873 to set up a conversationBriggs Auction is the official auction of The Ricky at briggsauction.comGet 20% off Verb Energy bars with code RTRS and the VERB starter pack at https://verbenergy.com/rickySurfside Iced Tea and Vodka is the official canned cocktail of The RickyBet with DK Sportsbook: Gambling Problem? Call one eight hundred GAMBLER, one eight hundred MY RESET. Connecticut: call eight eight eight seven eight nine seven seven seven seven, visit CCPG dot org. On behalf of Boot Hill Casino in Kansas. Bet tax pass-through may apply in Illinois. Twenty one plus. Void in Canada. Event contract trading with DraftKings Predictions involves risk of loss. Availability varies. Predictions offer void in New York. Bet to get Bonus bets that expire in seven days. Trade to get Predictions Dollars that expire in one year. Fifty dollars in rewards issued every seven days via click to claim for twenty-one days. One non-withdrawable reward redeemable. Terms at d k n g dot c o slash offer. Limited time offer. Nationwide based on Sportsbook, Predictions, and Free-to-Play Sports Contest availability. Varies by State.

#ChrisDistefano #StandUp #Comedy Adam Ray joins Chris Distefano in the Chaos Bus for an absolutely unhinged episode in the middle of New York City. Adam talks about preparing for Kill Tony at Madison Square Garden, becoming a first-time dad, his rise in comedy, his new Netflix show The Adam Ray Show and why part of him still wants a shot at Saturday Night Live. Plus, Chris and Adam interact with random New Yorkers, get wrapped in tefillin on the street, debate comedy, tell childbirth horror stories and somehow turn a normal podcast into complete NYC chaos. 00:00 Adam Ray Joins the Chaos Bus 03:14 Hunter Biden & Adam's Wife Stepping In 05:23 Adam Ray Is Having His First Baby 07:07 Chris' Childbirth Horror Stories 14:01 Kill Tony at Madison Square Garden 18:31 Chaos With New Yorkers 21:17 The Pressure of Performing at MSG 22:20 Adam Ray's Rise & the Kill Tony Backlash 24:48 Raising Kids on the Stuff You Love 27:39 Adam's Talent & Late-Night Future 28:33 Adam Ray Opens Up About SNL 29:30 Adam's Netflix Show & His Characters 33:25 Chris & Adam Get Wrapped in Tefillin 41:41 A Random New Yorker Interrupts the Podcast 43:27 He Can't Name a Single Comedian 45:52 The Random People Saved in Chris' Phone 51:08 Adam's Sensei Breaks His Hand 52:06 The Most Chaotic Podcast in NYC Subscribe for new episodes of Chrissy Chaos! UNCUT WILD CONTENT GO HERE

Join our upcoming live event at GREwebinars.com. It's called "The Seven Figure Solution" on August 27th at 8 PM Eastern. After listening to me for 12 years, learn how to finally put it all together for a coordinated, tax-efficient retirement and wealth plan.  Keith debunks alarmist predictions of an 80–95% housing crash and explains why inflation, constrained supply, and strong demand continue to put upward pressure on home prices.  He breaks down key trends in renter mobility, highlights how the AI boom is driving record-breaking rents in San Francisco, and contrasts "dopamine culture" and money maxing with GRE's philosophy of growing one's means through income property and leverage.  Keith also discusses how the Seven-Figure Solution framework helps real estate investors more effectively integrate properties, taxes, insurance, and retirement planning.  Episode Page: GetRichEducation.com/620 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. An alarmist calls for a housing price crash of 80 to 95 percent. We'll listen to it. This city's rents are up 26 percent annually. The rise of dopamine culture and money maxing has made its way into personal finance. Then an invitation to join us for a special event today on Get Rich Education.   Keith Weinhold  0:29   What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms MidSeal has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Naples, Italy, to Naples, Florida, and across 188 nations worldwide. You're listening to one of America's longest-running and most listened-to shows in the real estate world. This is Get Rich Education, and I'm Keith Weinhold. Yes, the very founder of this snaggle-toothed operation right here. I'm a longtime real estate investor myself, erstwhile writer for both Forbes and the Rich Dad Advisors, serving on the Forbes Real Estate Council, you can also see my work in the USA Today and Business Insider. I'm the creator of Real Estate Pays Five Ways and the Inflation Triple Crown. Oh, after all that, really, I'm just a shaved mammal with slack jaw, a highly leveraged hominid of the landed gentry, right before I discuss the housing price crash of 80 to 95% you know, keep in mind that most people think that if you're in real estate, then you've got to be either a realtor or a landlord. I am neither a realtor nor a landlord. People also think that it takes tons of money. It does not. Now you could pursue no money down strategies, but that takes some time to learn and skill to develop. Now I was a landlord in the early years of my real estate investing, but after about six years of that, I hired a property manager and never looked back. Therefore, keeping this mostly passive, a 20 to 25 percent down payment on a carefully selected residential rental property includes ones that today can still have purchase prices below 200k. That's purchased in a geographically investor advantaged market. Okay, that is the center of what we do here because when you own property this way, now you've got the margin where you can pay a property manager to enjoy the five ways that you're paid mostly passively. Be a savvy borrower.   Keith Weinhold  4:02   Now, when you're between deals and accumulating capital to add the next piece of property to your rental portfolio, that's where you can flip and do the opposite in the short term and be a real estate lender for perhaps an eight to 10% stable return. That's what I do, rather than getting three and a half percent, which is the going rate today in a high yield savings account. So be a lender between deals in the short term, or you're a savvy borrower long term. Now the late analyst at Housing Wire, and he was also a past guest here on the show, Logan Modashami, he brought this 80 to 95% housing price crash media piece to my attention. It's in the form of a meta reel that got a lot of attention. Let's play it. I mean, this type of nonsense circulates out. It's not founded on anything substantive, and this just absolutely does not serve anybody. You've got to take this type of thing as entertainment, but it's being presented in a serious, informative way, and just listen to the basis for the claim.    Hayden Weston  5:19   The United States housing market is about to collapse 80 to 95 percent, which means that homes that were worth 1.5 million are going to be worth 300,000. The reason is simple: the U.S. housing market has reached its most unaffordable level in history. People cannot afford to buy homes, and if people cannot buy homes, the market must correct. The question is how hard the market is going to crash, not if it will. According to CPI and price history data, this is predicted to be worse than the 2008 housing bubble. We are going to see prices drop 80 to 95 percent.   Keith Weinhold  6:02   A housing price collapse of 80 to 95 percent. This is from a platform called Hayden Trades. It has got to be the worst example of trying to steal attention rather than serving people. Gosh, don't even make 20% or 50% crash predictions anymore go for far higher, I guess. He says it is according to the CPI and price history data. This doesn't even make sense. Now the low affordability mentioned that part is true, and this is what's slowed home price appreciation. But here in the late 2020s, there was more upward pressure on home prices, not downward inflationary pressure, which is rampant. That is poised to raise replacement cost because a home is a bundle of land, labor, lumber, concrete, copper, and energy. America's best job markets face land and regulatory constraints that pressures prices upward, and regulations are not easily repealed either. There's a large reservoir of sideline buyers that still want to own, and single-family home construction is woefully insufficient, keeping the supply down. Indeed, there is more upward pressure on home prices, not downward. This coming inflation wave, that's exacerbated by war, is unfortunately, or fortunately, if you're positioned, it's poised to widen the K-shaped economy where winners win bigger and losers lose more. The boat is leaving the dock. Are you on it?   Keith Weinhold  7:54   The distance between the boat and the dock just keeps increasing, and eventually you won't be able to make the leap, the jump from the boat to the dock. Now, in the near term, because we're approaching the fall season, when you hear stats about median home prices, note that prices are lower in autumn and winter than they are in spring and summer. It happens pretty much every year. Now, why is this? Well, one reason is that a lot of people don't think about is simply the fact that smaller houses get sold in the winter compared to the summer. And why would this be? This is because families with school-age children who need larger homes get their deals done in summer months before school starts. That is one reason why median home prices are higher in the summer than they are in the winter. When you look at a long-term price chart of homes, this is why you see peaks each summer and dips each winter. Now, investors like us. Now we're not buying so much for school-age children considerations, but this phenomenon affects the median prices that you see quoted in most any market. That is how that works, and why homes present better in the summer too. Green lawns, Leaves, flowers, and natural light improve curb appeal. Some say buy when the snow is flying, sell when the flowers are blooming.   Keith Weinhold  9:32   Shortly, I want to tell you about the city with rents that are up 26% year over year, and there's no end in sight to those rent increases, either. But first, there's a significant national real estate trend. Now, a lot of times, the discussion about the rental market centers around the level of rents or the vacancy rate, and those metrics sure do matter. But what about tenant retention? That is. Renter mobility rate. How long do residents stay? Well, renter mobility is down, down, down. They are not moving around. That's the big trend. Tenants are staying longer. Renters are waiting longer to buy homes than prior generations did. I mean a lot of people are beginning to wonder if their starter home will arrive before their first social security check does? The share of renters planning to move within three years that has plunged since 2019 from 57% then down to just 37% now. This is according to a national survey from the New York Fed. 57 down to 37% that plan to move within three years. Yes, this means that even after the pandemic waned, renters plan to stay in place longer. Everyone is staying put longer, and what exactly is keeping all of those moving boxes in storage? You guessed it. Buying their own home is more difficult to afford. It's kind of like an obstacle course where the down payment is waiting at the finish line, which is a long ways away. It's like an ultra marathon. This decline in renter mobility. This is obviously good news for income property owners and landlords because vacancy and turnover are our greatest expenses. People are paying more.   Keith Weinhold  11:39   You know, it's interesting that many are staying and put because a lot of renters often pay three to 5% annual renewal increases, especially in single-family rentals. Among apartment dwellers, there are currently more move-ups than move downs. People willing to spend a little more, and part of this is because a lot of people have just simply given up, completely given up on buying a home, choosing instead to fritter away their money on DraftKings parlays, couchie predictions, meme coins, burritos whose delivery fees cost more than the burrito, and a dozen forgotten subscriptions quietly feeding on their checking account. Yeah, a lot of people have just given in. Besides falling renter mobility, there is also falling homeowner mobility. One reason it has fallen is due to the well-documented mortgage rate lock-in effect. But mobility is down among both groups, among renters and homeowners, for a few different reasons. Like I've mentioned in previous shows, America is aging, and older people move less. Remote work means people don't have to move for a job, and housing inventory remains limited. This means that there are few attractive alternatives to move into, whether you're a homeowner or a renter. Those are some reasons as to why mobility is down for both groups. And the New York Fed analysis shows that renter mobility it is especially weak among that subgroup that believes that they will never own a home. I mean, this group of people really isn't moving. They are staying in place even longer. This group that believes that they will never own a home, and this is a skew toward lower income renters for sure, but even upper income renters are staying longer. You know, I own a lot of single family rental homes myself, and I'm just thinking now, I can't even remember the last time someone's moved out. It might be over a year since anyone has moved. The average renter's perceived chance of ever owning a home that has fallen, and this is significant for investors. Okay, that percent of renters that ever hope to own a home has fallen from 52% back in 2015 down to just 35% last year. 52% down to 35% The amount of renters that think they'll ever own a home. Both single-family rental and apartment renters are staying longer. This is both types, and it's not because these renters stop wanting homes. About two-thirds say that they would prefer to own if they had the money to do so. This is substantial. The drop in American mobility rate. I mean, that part is actually decades long, and this seems to catch people off guard. A lot of people falsely believe that people are moving more often, and that's something I've touched on before. This deeply hurts.   Keith Weinhold  15:00   Certain industries like moving companies, furniture stores, and yes, real estate agents—all these groups of people have got to be wondering where did everybody go? The answer is nowhere. Apparently, they are not going anywhere. So the bottom line here, with this lack of mobility, is that renters feel locked out, owners feel locked in, and landlords feel locked up with their tenants staying longer. Although this is good news for landlords and investment property owners, you know there is one thing to be careful of amidst these longer tenant stays, and that is, well, say you buy a rental property with an existing tenant in place that's been there for a while, it's more likely then that that tenant is paying below market rent, and why would that be? Well, because generally, the longer a tenant stays, the more likely it is that the previous landlord gave them a break on the rent. Now, why does that happen? Well, landlords can get lazy about bumping up the rent, and see what's really going on is that the previous landlord, perhaps the person you bought the property from, they themselves bought the property at a much lower price years ago than you did today, and therefore their mortgage payment is lower, and therefore the lower rent was able to cover their mortgage payment. So they weren't too worried about it. But if you're buying at today's prices, well, then you cannot stand for yesterday's rent amount, and that's why it's more likely that you need to bump up the rent to market rent. Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report.San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, 6,020 dollars for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge while it's on your mind. Start at RidgeLendingGroup.com. That's ridgelendinggroup.com. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Keith Weinhold  17:22   Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report. San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, $6,020 for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing.   Keith Weinhold  20:46   I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  21:23   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Robert Kiyosaki  22:26   This is our rich dad, poor dad author Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and there is I respect Keith. He's a very strong, smart, bright young man.   Keith Weinhold  22:47   Welcome back to Get Rich Education. I'm your host Keith Weinhold. The rise of quick hit dopamine culture has definitely hit the personal finance world, and this is not a good trend for a lot of Gen Zers, who are those age 14 to 29, sports gambling is increasingly a part of what they think is financial planning. A recent survey from the wealth management platform Betterment shows that 26% of Gen Zers, more than one in four, then consider sports gambling as part of a deliberate long-term financial strategy. If you think that's bad, more than half of Gen Zers, 52% say they've rerouted funds from investment over to sports betting in the past year, and that's versus just 24% of all Americans. Yes, the rapid legalization of sports gambling means it's never been easier to bet your whole paycheck that the Mets are going to lose 100 games this season. When a prediction market or a sports book starts to feel like a retirement strategy, we have a problem, and this is congruent with the rise of dopamine culture across all of society, where we've gone from playing sports, then to watching sports, and now to gambling on sports. In the kitchen, it's where we've gone from home cooking to leaving and getting fast food, to ordering Uber Eats, it's where media has gone from film and TV to streaming shows, and now with dopamine culture, it is watching reels. It's how shopping has gone from first high street shopping, then to Amazon and now to the TikTok shop. It's how communicating with people. It's gone from handwritten letters to sending emails to Snapchats. It's how we've gone from newspapers to breaking news to rage bait. As far as what we listen to for music, this rise of dopamine culture-it used to be vinyl records, and then Spotify playlists, and now it's trending sounds.   Keith Weinhold  25:11   It's gone from finding love to casual dating to infinite swiping. How about the way we look at and share photos? It's gone from photo albums to camera rolls to Instagram stories, and how about the way we access information with this rise of dopamine culture? It's gone from libraries to Google to Chat GPT, and that brings us to money maxing. Okay, yes, here in our finance world, the rise of dopamine culture has led to this. Yes, that is apparently a word now. Money maxing-it's all one word with 2x's. It sounds like something invented by a 22-year-old who's got three credit cards, three hoodies, and one fork. Okay, but money maxing-that is one of the newest personal finance trends spreading across social media. Now, the maxing stuff in that whole suffix that first became popular through terms like looks maxing, which means trying to maximize your physical appearance, whether you're male or female, and now people are sleep maxing, health maxing, career maxing, and I guess it was just inevitable until they were money maxing. And what it really means is optimizing your financial life so that every dollar works harder for you. That could include using a high yield savings account, earning credit card points and rewards, automating your investments, negotiating bills, and eliminating wasteful spending-eh, in other words, it's just another internet reinvention of financial responsibility. I mean, your grandparents just called it being sensible.   Keith Weinhold  26:58   Now, I do like the fact that young people are talking about money. I mean, as we've covered before, financial education is desperately needed. Schools will teach you about the parts of a biological cell, but surely not how to read a mortgage statement. So you can graduate knowing that mitochondria are the powerhouse of the cell, while believing that a tax refund is free money from the government. So you know, directionally, money maxing is good, but see, it usually only focuses on one side of the equation. That's the problem with money maxing. It only focuses on spending less. And here at GRE we take a different approach. The old financial advice is live below your means, and GRE's philosophy is grow your means. You should only live below your means earlier in your financial life when you sort of have to and you need to form capital for investments. But grow your means so that you can have the means to do things. I mean, that is the point of financial betterment.   Keith Weinhold  28:09   Long term, financial betterment is certainly not sustainable by saving money by getting a haircut at home, only watching men's fast pitch softball at the Moose Lodge because it's free instead of going to a Major League Baseball game, saving $120 on air tickets by adding an extra layover on your trip itinerary, or a buy one get one free deal on Hillshire Farm Bacon. Now, of course, you shouldn't waste money if you're paying for six streaming services and you're only watching one. Well, cancel the others. If you carry a credit card balance at 24% surely extinguish that financial dumpster fire. But you cannot shrink your way to an extraordinary life. There is a floor beneath how little you can spend, there is no ceiling above how much value you can create for others. You can cancel your coffee, you can stop eating out, you can turn down the thermostat until your living room feels like a meat locker, but eventually there is nothing meaningful left to cut. That is the weakness in traditional money advice. It treats personal finance like a sinking ship, and it just hands you a bucket. Growing your means is building a bigger ship. The most powerful form of money maxing is not squeezing another 2% off your grocery bill. It is increasing your income. It is acquiring productive assets and creating systems that pay you repeatedly. I mean, saving 20 bucks is fine. Creating another income stream can continue for. Years. This is the difference between subtraction and multiplication. Most money-maxing advice really isn't different than that conventional advice. It's living in the world of subtraction. Cut this. Cancel that. Buy the generic cereal. Drive across town to save 12 cents per gallon. Hey, congratulations! You just spent 40 minutes of your finite life to save $2.80. Real wealth is built through multiplication. Multiply your income, multiply your skills, multiply your relationships, learn a new system, multiply the number of people you serve with rental property, and then multiply your money through productive assets. Now, this does not mean to spend recklessly. Growing means is not permission to inflate your lifestyle every single time your income rises, but it means directing more attention toward expansion than deprivation.   Keith Weinhold  30:59   Ask yourself a better question. Instead of asking how can I save another $100 this month, ask how can I create another $1,000 of monthly income. That very question activates a completely different part of your brain. Now maybe you develop a valuable skill. Maybe you negotiate your compensation. Maybe you start a business. Maybe you acquire an income property. Maybe you turn knowledge, intellectual property, or an audience into a recurring revenue stream. You start looking for leverage rather than looking for coupons and leverage, that is the real engine of what money maxing ought to be. Leverage means accomplishing more with less of your personal effort, and there sure are a lot of forms you can leverage other people's time. You can leverage systems and technology. We're going to talk about a system later here. You can leverage media where one message reaches 1000s or millions of people, and in real estate, you can leverage other people's money. You can scale. A few weeks ago, here I discussed four different types of scale. Real estate investors can get them all at the same time. If you remember, they are financial leverage, like with the five ways. There's operational leverage, there's geographic leverage, and finally replication. You use a relatively small down payment to control a much larger asset while your tenant pays you rent, that income helps cover the property's expenses and mortgage, and over time, inflation tends to lift rents and property values. While your fixed rate debt becomes easier to repay with diminished dollars, I mean that is real money maxing right there. In fact, GRE's real estate pays five ways framework might be the ultimate money maxing system. One property can produce cash flow; it can appreciate. Your tenant can gradually amortize your loan for you. You get the tax benefits, and inflation can transfer wealth from the lender to you through your fixed rate debt, five simultaneous financial benefits attached to one asset. Oh, and we're going to take that and compare that with saving 50 cents on toothpaste. Now, both things technically do improve your finances, but they don't even belong in the same zip code.   Keith Weinhold  33:41   Now, none of this means that every leveraged property is a good investment. In fact, leverage amplifies outcomes. A well-selected, properly financed property is going to accelerate your wealth creation. But a bad deal with thin reserves-hey, that can accelerate your introduction to an attorney. Money maxing still requires judgment. You want durable income, adequate liquidity, responsible underwriting, and you want to have enough reserves to withstand the inevitable surprise. Because every rental property eventually introduces you to something that is leaking, squeaking, or perhaps refusing to pay. The goal is not to optimize every dollar so aggressively that your financial life becomes fragile. And really, that is an important warning about all forms of maxing. Optimization can go too far. Someone might transfer money among five banks to chase these tiny promotional yields, and open 12 credit cards for bonus points, and then monitor every purchase with the intensity of airport security. Okay, I mean technically they're optimization. Their money, but they're also turning their life into like an unpaid accounting internship. Your money should create freedom, not become another demanding employer. Effective money maxing focuses on the big levers first. Get some big wins. Increase your earned income. Own those productive assets. Use good debt prudently. Reduce taxes legally. Protect yourself against catastrophic losses. Maintain liquidity, and then optimize the smaller expenses. Do not spend three hours clipping coupons while ignoring a poorly structured $400,000 mortgage. You do not congratulate yourself on saving $9 on lunch while leaving 50k idle in an account that earns almost nothing. So we don't obsess over credit card points while carrying a balance because paying 24% interest to earn 2% cash back is not money maxing. That is like arithmetic getting mugged in an alley. And there's also an important difference between looking rich and becoming wealthy. Social media rewards visible consumption on things like cars, watches, first-class seats, rooftop dinners, actual wealth-that's something that's often invisible. It is the rental property quietly producing income. It is the ownership stake compounding in the background. It is the tax strategy that's never going to appear in a photograph, and it is the growing gap between what you earn and what you need to live.   Keith Weinhold  36:46   The person displaying the most wealth can have the least. The person saying very little might own the building. So yes, embrace money maxing. Know where your money goes. Eliminate the waste. Negotiate recurring expenses, automate your good decisions, and make your dollar purposeful. Each dollar, but don't stop with living below your means because that is only financial defense. Growing your means is financial offense. Saving money can make you more secure. Owning productive assets-that's what can make you free. The highest form of money maxing is not becoming the world's most efficient consumer. It is making the transition from consumer to owner. Own businesses, own equities, own real estate, own assets that produce value while you sleep, travel, or spend time with the people that matter to you. Because your time is limited, and yet your appetite for generic cereal is also limited. But your ability to create value, acquire assets, and grow your means. That is far less limited. Live below your means if you must, but don't stay there. Grow your means. That is true money maxing. And the number one reason that people don't acquire wealth. Do you know what it is? It's that it simply does not occur to them that they can.    Keith Weinhold  38:24   That is what Brian Tracy said. That is so incredibly simple, and it's true. If you want a money max, you need to have a great system. Let me tell you about a system called the Seven Figure Solution. Now you've been listening to me weekly for almost 12 years here, which I'm immensely grateful for. You've been earning money, investing well, and here with the seven-figure solution, you're going to be able to finally see how it all goes together. It's about making sure that your real estate and other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time, the liquidity is key because this is where a 401(k) or IRA limit you. Those vehicles have taxes and penalties if you want to use those funds early, and this does not.   Keith Weinhold  39:34   But the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach here, Naresh uses something like this, and he's in his 30s. It also gives you a significant tailwind during your investing career. Integrate the seven-figure solution the GRE way, where we have a conscientiousness about leverage in cash flow, and in this case, part of it is how to prove. Leverage a life insurance policy. When it's time to tap that policy's cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, and therefore you're using the funds in more than one place. That's the leverage, and then the IRS does not tax loan proceeds, and this reminds me of a billionaire borrowing against the value of their stock rather than having to sell any of those assets. And yet, this can be done tax-free. It's similar to what you can do with the seven-figure solution, even for non-billionaires, it is buy, borrow, die. This leverages an indexed universal life policy, and there is the right way to do this and the wrong way to do it. Part of the seven-figure solution is that your cash value can have an upside ceiling and loss protection on the downside. That's really something that you only care about more as you're closer to retirement. And there are some mistakes to avoid here. You don't just want to set up the seven-figure solution off of a website, and it's based on products that you might have heard of from companies like Nationwide and mass mutual. I strongly encourage you to learn more, see how it all goes together, and learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, and even a 721 and 1031 exchange. This is very much about you being able to picture your future, you've been building your real estate portfolio either from your investment coach or on your own. This is how the puzzle pieces finally are all going to go together. I am cordially inviting you to join us for a special live event, the Seven Figure Solution. It is co-hosted by our own GRE investment coach Naresh and Haven Bridges Jared, who you heard from on the show with me last week. By attending live from the comfort of your own home or from anywhere, you can have your questions answered in real time. It is this Thursday, the 27th, at 8 p.m. Eastern, 5 p.m. Pacific.   Keith Weinhold  42:23   Most people spend decades building wealth, and then they lose far too much of it because the retirement pieces were never designed to work with each other. So you're going to see how real estate, taxes, insurance, and retirement income can fit into one coordinated strategy, helping you grow and protect your wealth, access capital without immediately selling your assets, and potentially avoid losing hundreds of thousands of dollars to taxes unnecessarily. So it's not just another collection of disconnected financial tips. Really, it's your opportunity to finally see the entire retirement picture and understand what might be missing from yours. It's complimentary to attend. The longer you wait, the fewer options you could have. Decisions made today can affect your wealth for decades. Don't wait until retirement day to discover that your plan had expensive holes in it. There are some moving pieces here, so it's especially helpful that you attend this one live, and that way you can have any questions answered in real time, so that you really understand. And you might have been one of thousands of listeners that have attended our property webinars before, and they are important to building your portfolio. But this one could very well be more important in seeing your big picture, seeing your retirement, and seeing that your heirs aren't left with a giant tax bill too. You can reserve your seat now for the seven-figure solution at grewebinars.com again. That's grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  44:14   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  44:42   The preceding program was brought to you by your home for wealth building. getricheducation.com.

Jaylen Brown is working out with LeBron and Maxey, VJ is playing in the FIBA World Championships, and Michael Pina is at it again. Then we give an update on Scott O'Neil, talk about what the right move would be in a Philon trade, and debate who the best player on the Sixers is. The Rights To Ricky Sanchez is presented by Draft KingsBriggs Auction is the official auction of The Ricky at briggsauction.comGet 20% off Verb Energy bars with code RTRS and the VERB starter pack at https://verbenergy.com/rickySurfside Iced Tea and Vodka is the official canned cocktail of The RickyBet with DK Sportsbook: Gambling Problem? Call one eight hundred GAMBLER, one eight hundred MY RESET. Connecticut: call eight eight eight seven eight nine seven seven seven seven, visit CCPG dot org. On behalf of Boot Hill Casino in Kansas. Bet tax pass-through may apply in Illinois. Twenty one plus. Void in Canada. Event contract trading with DraftKings Predictions involves risk of loss. Availability varies. Predictions offer void in New York. Bet to get Bonus bets that expire in seven days. Trade to get Predictions Dollars that expire in one year. Fifty dollars in rewards issued every seven days via click to claim for fourteen days. One non-withdrawable reward redeemable. Nationwide based on Sportsbook, Predictions, and Free-to-Play Sports Contest availability. Varies by State. Terms at d k n g dot c o slash offer. Limited time offer. 

Hunting access, conservation funding, and the right to hunt and fish are all facing major battles nationwide. The sportsmen's policy landscape is moving fast, with more than 100 state-level policy wins already secured this year and hundreds more issues still in play. Brent Miller, Vice President of Policy at the Congressional Sportsmen's Foundation, breaks down the biggest victories, ongoing fights, and emerging threats facing hunters and anglers across the United States. The conversation covers major progress on Sunday hunting in the Northeast, including expanded opportunities in Delaware, Pennsylvania, Maryland, and Connecticut. Miller also explains how no-net-loss laws are protecting hunting and fishing access, including 300,000 acres secured in South Carolina, and why conservation funding remains critical to state wildlife agencies and federal Pittman-Robertson and Dingell-Johnson funding. The discussion also tackles hunter education in schools, efforts to strengthen the right to hunt and fish, and the defeat of Oregon IP 28, a ballot initiative that would have banned hunting, fishing, and trapping statewide. Colorado's proposed constitutional right to hunt and fish is another major focus, along with the broader fight over ballot-box biology. Looking ahead, Miller previews the National Assembly of Sportsmen's Caucuses Summit, including controversial issues such as open fields, genetic modification of wildlife, and a new conservation literacy initiative designed to introduce young people to hunting, fishing, and the North American Model of Wildlife Conservation. Follow The Sportsmen's Voice for more weekly conversations on hunting, fishing, conservation, and outdoor policy. Get the FREE Sportsmen's Voice e-publication in your inbox every Monday: ⁠www.congressionalsportsmen.org/newsletter⁠  Learn more about your ad choices. Visit megaphone.fm/adchoices

Mark recaps yesterday's primaries, including a huge win for gubernatorial candidate Byron Donalds in Florida. He also talks about the antisemitism and attacks that some of the winners and Democrats have been directing at their opponents. Governor Kathy Hochul has agreed to debate gubernatorial candidate Bruce Blakeman for the governor's seat in November. The Carnegie Deli is returning to Midtown after a decade! Is Iran hacking into Long Island, NY's water system and electric grid?  Mark takes your calls!

Spokane, Washington-based floral personality Katie Lila is on a mission to make fresh flowers a cultural expectation. Not just a novelty, but a norm. She has navigated many facets of the flower-verse – from running a floral event business, to crafting large-scale art installations, and producing her floral-centric TV series. We first featured Katie as […] The post Episode 782: Katie Lila brings “Follow the Blooms” to PBS Television Nationwide with a sneak peek of the Slow Flowers Summit Episode appeared first on Slow Flowers Podcast with Debra Prinzing.

It's the fine print of federal laws that has made — and potentially unmade — the hemp-derived THC industry. Most recently, the U.S. Senate voted to delay a nationwide ban on these products from Nov. 12 to Dec. 12. The move was part of a government funding measure the House will need to approve when it returns from recess at the end of this month. One of the businesses watching this closely is Bent Paddle Brewing in Duluth. The brewery began selling hemp-derived THC drinks in 2022 and now has a countdown clock for the ban on its website, set to the November date. Bent Paddle co-founder and CEO Bryon Tonnis joined MPR News host Nina Moini to talk about how he's navigating the uncertainty and what a ban could mean for breweries in the state.Correction: This story has been updated with the correct effective date of the ban, under the Senate-approved vote to delay.

Keith breaks down why global crises, geopolitical shocks, and nonstop "doom" headlines haven't stopped stocks and real estate from reaching near all-time highs, and what that means for investors focused on inflation-resistant assets.  He also discusses Memphis as a surprising cash-flow market poised to benefit from the AI boom, sharing details on an upcoming webinar with Mid South Homebuyers.  Keith is joined by real estate investor and educator Jared Garfield to unpack the "Seven-Figure Solution," a strategy that combines cash-flowing rentals with tax-advantaged life insurance to create liquidity, reduce risk, and support long-term retirement income.  Together, they explore how disciplined portfolio growth, smart leverage, and coordinated tax planning can help real estate investors better align their assets with their long-term financial goals. Episode Page: GetRichEducation.com/619 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:02   Welcome to GRE. I'm your host Keith Weinhold. The world is about to end again. It's the economic disaster that never arrives. I'll break it down. Then you've been earning money and investing well all these years. How does it all go together? It can culminate in the seven-figure solution, it's about seeing your future today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. And September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before, we're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:39   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  1:55   Welcome to GRE from Kankakee, Illinois, to Cherokee, Iowa, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Recid Education, and the world is about to end. Even if you survive, your portfolio surely won't. Oh, jeez. At least that's the impression you get from mass media and what I'll call the Doom Scroll Industrial Complex. Fear creates urgency. Urgency attracts eyeballs. Eyeballs attract ad dollars. And I guess that using a slogan like "everything will probably be fine" well, that's never been a great ratings strategy. Now, can what has happened since 2020. Just this cheery little sequence: COVID, then Ukraine, Israel, Gaza, tariffs, and then the war in Iran. All that just since 2020. I mean, that right there sounds less like an economic timeline and more like a movie plot, or that the world is repeatedly spinning the wheel of misfortune. Yet after all of that, what is the result? Both stocks and residential real estate are near all-time highs. Apparently, the apocalypse has been postponed yet again-at least economically speaking. Now let's zoom out and break down these threats and a few more, all just since 2020, because 2020 is the year where, of course, you had the COVID-19 pandemic, economic shutdowns, the fastest major stock bear market in history, supply chain breakdown. You saw empty shelves, and there was unprecedented government intervention from the Paycheck Protection Program to stimulus checks to mortgage loan forbearance. Then, in 2021 and 2022, you had post-COVID inflation and supply shortages. Now, this was more of a result, not strictly geopolitical, but a major investment threat, and that led to aggressive interest rate hikes. From 2022 to the present, you have Russia's invasion of Ukraine, energy and food shocks came from that, sanctions, instability over in Europe, and really a heightened nuclear risk in 2023. You had the U.S. regional banking crisis. Remember SVB, yes, Silicon Valley Bank, Signature Bank, First Republic. They raised fears of a financial contagion that would spread like fat. Than a secret in a small town, it actually made me buy some gold. From 2023 to the present, you had the Israel-Hamas war and this broad Middle East instability, Hezbollah attacks, Houthi attacks, Red Sea shipping disruptions. It's almost like a geopolitical group project. And then from 2025 to the present, you have renewed U.S. tariffs and a global trade war, and this year you have the U.S.-Israeli war with Iran and the Strait of Hormuz disruption. That is the biggest current geopolitical investment threat because it combines all of these things: war, oil disruption, inflation, higher interest rates, and a recession risk. So it's a lot like this particularly unpleasant smoothie that's been blended together.   Keith Weinhold  5:55   All right. Well, all of that-that is just an absurd amount of uncertainty and disruption only since 2020, and though major markets are at all-time highs in the face of this, let's acknowledge that some were hurt here, like apartment building owners vulnerable to interest rate resets, and certain commercial sectors like office. Even worse, let's be sensitive to the fact that COVID in wars have resulted in a real loss of life. GRE's enduring strategy of primarily owning long-term residential rentals with fixed-rate debt has been comparatively really resilient. In fact, these calamities-they probably made you better off from the inflation that it has spurred. More people work from home. Well, that means that they're consuming our product while higher inflation debased our debt and jacked up our property values and our rents. And you know somehow every. single generation thinks that their collection of crises is uniquely terrifying, and it is not. And what do I mean by this? Well, in the 1980s, people feared war with the Soviet Union, the Cold War. A global population explosion so bad that millions or billions of people would surely die from hunger. You had the AIDS crisis. You had a hole in the ozone layer. Well, all those things. Virtually zero investors make decisions based on that stuff: an imminent Soviet attack or mass starvation from overpopulation. There is one thing that is 100% certain here, and that is that more shocks are coming. In case you don't want to sleep well, you can get worked up over the certainty of future calamities, artificial intelligence is making cyber attacks faster and more scalable. AI has even created entirely novel viruses. A confrontation between China and Taiwan that could create risk in the semiconductor space.   Keith Weinhold  8:18   A blockade that might disrupt the world's advanced chip supply, creating more inflation and more uncertainty. Here is what's changed, though, for what investors care about. You know what has changed with today's set of calamities versus those of the 1980s and earlier, because there is something, and it's a big deal for investors. Here's what's changed: recent history shows that the government does more to intervene during disasters, stimulus checks, liquidity programs where they're printing trillions, bailouts, pushing interest rates down to almost zero, quantitative easing. How about a foreclosure moratorium? Anything you know during COVID, it was a lot of these things, and it was the CARES Act, and it was a student loan payment pause. I mean, the Federal Reserve even set up emergency credit facilities. We now know that when the economic building catches fire, policymakers they rarely stand around admiring the flames. They just flood the place with currency. So the best investors they keep prudently building real estate portfolios in the face of risk, not the absence of risk, because the latter does not exist. This incessant government intervention, whether you agree with it or not, it gives you more safety cushions the next time that things fall apart. That's why what appears risk. Is still risky, but less so. So there is more incentive to take on prudent risk than I've ever seen. You know, no politician wants America to fall apart under their watch. So increasingly, they'll just paper over the problem by printing, printing, printing, and then, therefore, the resultant inflation, the consequence of this, that can be dealt with under the next president's watch, not theirs. In fact, future calamities they almost make you want to own scarce real assets that benefit from inflation, not a hedge, a benefit. Trying to time every war, election, banking crisis, tariff announcement, virus, and Fed decision. Trying to time all of those things-that is usually ineffective. You either own more assets, or you get left behind in everything that's happened since 2020. That just underscores this. In fact, Berkshire Hathaway, the closely watched company that Warren Buffett ran for a long time, but he still has influence in.   Keith Weinhold  11:16   You know, they recently began moving out of cash and into assets, they ended their long net selling stretch. In fact, in the latest quarter ended, they've now done the most buying that they've done since early 2022. They have jumped back in the game. It appears that Berkshire Hathaway got tired of sitting on the sidelines and seeing others make gains, and they're pretty bullish on housing too. They bought a home builder. The bottom line here is that shocks are going to keep arriving, and yet productive assets and well-financed residential real estate has repeatedly survived them and just continued appreciating. Don't wait for a risk-free world because you'll wait forever. When you evaluate all these calamities, just since 2020, again, COVID, Ukraine, Israel, Gaza, tariffs, and war in Iran, and then you realize that both real estate and stocks are near all-time highs anyway, and the government keeps backstopping asset owners like never before. This is just a fresh angle on how much better off you are when you prudently own more inflation-benefiting assets sooner. I want to tell you about something called the seven-figure solution. You've been here listening to me weekly since 2014. You've been earning money. You've been investing well, and now you're going to see how it all goes together. It's about making sure that your real estate and your other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time. Now the liquidity here is key because this is where a 401(k) or IRA limit you, they have taxes and penalties if you want to use those funds early. This doesn't, but the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach Narayish uses something like this, and he is in his 30s. Let's discuss it, and then you'll see where I have an invitation for you, where you can get involved. I'd like to welcome in a guest we last had on the show a few years ago.   Keith Weinhold  13:54   He's a frequent guest on popular shows, including our friends over at the Real Estate Guys Radio Show, and this guest has also been a terrestrial radio show host himself. He's a long-time real estate educator and an active investor, just like you and I. So he speaks from experience and not a textbook. He's the creator of what we'll discuss today, called the Seven Figure Solution. Welcome back to the show, Jared Garfield.   Jared Garfield  14:21   Hey, it's great to be with you again. Thanks for having me.   Keith Weinhold  14:25   It's so good. Now you're with the Haven Bridge Group, and you help people, especially real estate investors, with what's called the seven-figure solution. Tell us about it.   Jared Garfield  14:37   it. Well, Haven Bridge, we get the name for that because people are really looking for a haven of safety, and the bridge is kind of what crosses the gaps that could kind of destroy your wealth, and it's the path to get there. So we want to take people on a path to safety, and the seven-figure solution is the idea that if you're going to be drawing out even 4% per year to not outlive your money, because people are living now. To 8590, 95 years old, and so that means you could have 35 years in retirement. And with inflation and different things like that, you really have to have a lot bigger nest egg than what most people realize. So a seven-figure solution is how to get to more than a million dollars liquid that you can draw on in a tax advantaged manner for the rest of your life, while also having living benefits. And we pull real estate in with it because we want people to have 10 or 15 or 20 rental properties by the time they retired. That they 1031 exchange regularly, so that they're always keeping tax advantages. So that even in retirement you have strong tax advantages, and ultimately we think that when you're 65 or 70, you might want to go from 30 single-family houses to 1031 exchange into one institutional asset that's a little bit less management intensive.   Keith Weinhold  15:57   Okay, so this is a tax advantage vehicle that real estate investors can use during their investing career, and those tax advantages then really convert into something that you can use in retirement as well.   Jared Garfield  16:11   Yes, what it does is it's a vehicle that instead of saving the money from your cash flow from your rental properties in the bank, we say, well, why wouldn't you rather invest in something where it grows tax-free, number one, and then number two, you don't have the penalties like you would with a 401k, where you get taxed and you get penalized 10% if you pull it out. It's liquid, usually about 80 to 90% liquid, so you can pull from it whenever you like, and you can use it for down payments to grow your real estate portfolio. But you can earn sometimes between five and even seven or 8% in a tax advantaged manner where you're not taxed on it, but you're earning a much higher return than if you put the cash flow into a bank.   Keith Weinhold  16:51   All right, so you're building this tax advantage pool of capital that grows over time, and this is important to have some liquidity. You know, Jared, I've often talked to our audience, about three to 5% of your portfolio value ought to be kept liquid. Maybe with a vehicle like this, you would want to put in more of that because real estate investors we have expenses, so you have this liquidity to cover things like vacancies and major repairs, or perhaps you could even use this account for future down payments on additional investment properties. Is that how it's utilized?   Jared Garfield  17:27   Yeah, absolutely. And I get it partially this way because in my early 20s, I got up to where I had about six rentals, and at the time, I also owned a real estate brokerage, and I was doing very well. I was making a six-figure income and things. And what happened is, I back when a   Keith Weinhold  17:41   six-figure income was a big deal.   Jared Garfield  17:43   Yeah, back in the early 2000s, it was a little bit better money. But the funny thing was, I had four rental properties that all went vacant at the same exact time, and so now all of a sudden, I was paying like 4500 bucks a month in mortgages, not counting the house I lived in, but I had to cover four mortgages on four of my rental properties all at the same time, and I hadn't saved the cash flow, so I didn't have a huge emergency fund. All my liquid capital went into down payments and into renovation money to rehab the properties. Okay, and so it put me in a real bind, and I was out driving a Volvo S80 around throwing two paper routes in the mornings, and then going to my real estate brokerage after my paper routes to cover those rental properties. And so this was basically meant as a way to say, okay, this is a way that I have the liquidity. I'm getting a higher return, but now my tenants are not only buying me the houses, but they're also giving me a couple million dollars in life insurance, and they're wrapping my investment component or the cash value of that, the cash value part of the policy. They're wrapping that in a way that it grows tax-free, so it just accomplishes a lot of things. But the other thing that's a beautiful thing about it is there's a lot of things that we call living benefits.   Keith Weinhold  19:02   All right, so you have the living benefits and the tax advantages, and I know how you have pointed out that this can save an investor 10s of 1000s of dollars in taxes per year and hundreds of 1000s or more over time. Can you tell us more about that?   Jared Garfield  19:20   Yeah, because what happens is the money that goes in is growing tax-free, so you don't get taxed on any of the growth. But what we really like about it is, let's say that you're cash-flowing $2,000 a month off your rental properties, and you're putting 2000 a month into this policy. Usually, after the first year, if you're max funding, 80 to 90% of that's liquid. So if you've got 24,000 sitting in there, you've got access to 89 to 90% of the money. So it's pretty liquid. But what happens is over a 20 or 30 year period, that money could turn into three or 400,000 a year that you can pull out in the form of policy loans. And by doing that, it's not taxed. And you can pull that out throughout your retirement tax-free. So if you were paying 25% in taxes and you're pulling out 200 grand a year, that's $50,000 a year in retirement that you're saving in taxes. But that could be over a 20 or 30-year period. So over 20 years, that 50,000 could end up being a lot of money. I mean, 500,000 over 10 years, a million over 20, and so that means you don't have to accumulate as much. But a lot of our investors love it because they'll save it up with discipline, and then that way it's there if the furnace blows. So it makes your real estate safer, but it also becomes your down payment funds to expand your portfolio.   Keith Weinhold  20:40   Okay, the seven-figure solution is the vehicle that we're talking about here, and what part of the IRS code, just briefly, is it that gives this tax advantage?   Jared Garfield  20:51   It's Internal Revenue Code Section 79 that allows it to grow tax-free. In the 1980 s, doctors and a lot of very wealthy people were using this to the point that IRS changed the laws. They went and sued the insurance companies because doctors would go in and dump $2 million in, and they would buy a $2 million life insurance policy. So they were self-insured, which meant that they didn't have any cost of mortality on it. So they basically got all the benefits of the tax-free growth and the tax-free pullout. And the IRS said, "Wait a minute! We think you're doing tax evasion. So what they did is they came around and they said, "We're not going to let you use this loophole anymore for the very wealthiest people to have this. So they came to a compromise, and the compromise was that if you wanted to put in 2 million, you had to maintain a corridor where there had to be a little bit higher amount of life insurance. So you might have to buy a $2.3 million policy, but then you could still dump, say, $2 million in and have all the tax advantages. It's a strategy that's been used for over 100 years by families like the Rockefellers and the Hunts and J.P. Morgan. The very wealthiest families have always used these strategies to grow and protect their wealth.   Keith Weinhold  21:59   Okay, so it's a part of the tax code that allows cash value to accumulate within and be withdrawn from a life insurance policy tax-free.   Jared Garfield  22:11   Correct, and it gives you living benefits, which I alluded to a minute ago. And the living benefits are if if you end up having to go through things like long-term care, disability, if you can't perform, you know certain functions for a certain period of time, chronic illness, critical illness, terminal illness. If any of those things happen to you, you can borrow against the policy and have access to money during those things that would normally decimate your wealth, because you can actually access the death benefit in advance.   Keith Weinhold  22:42   Now I know a little about the six risks. Tell us about that.   Jared Garfield  22:47   Well, Keith, there are six risks that all investors face regularly. The first one is inflation erosion, and that means that your purchasing power often ends up leaking out of your balance. And the balance might look fine, but inflation can eat away at it. So even if you've raised a lot of money, if inflation means that you can buy half as much five or 10 years from now, then you know your wealth isn't as big as you thought. The second is the volatility setback, and that's sequence of return risk. That means that if you retire on a bad year where things really bad, stock market drops, you could end up using your money at a time where it really weakens your wealth because it may have dropped by 50% So if you had a million, now you have a half a million, and you're spending 100,000 a year. At the end of year one, you might only have 400,000 left. So sequence of of return risks from volatility setback, tax drain. That's just the compounding cost of an uncoordinated tax picture can really be a problem, and then the next one is liquidity. If you don't have liquidity and you've locked up all your money and you can't access it until you're 59 and a half without significant taxation and 10% penalties, the liquidity lock is a problem. There's the longevity paradox. What happens if you outlive your money, you know. So living longer is a benefit, but it exposes you to where you might not have enough money to live on in your latter years. The last two are care avalanche, and that is if an unexpected health event happens at the wrong time, it could really destroy your wealth because medical costs have spiraled out of control, and then the last one is the line to land, and that's only one of the six that's really about growth.   Keith Weinhold  24:28   Right, only one of the six of those was about growth. I can't stand the longevity paradox. Yeah, we think we all want to live a long time, but then it's more difficult to fund living a long time, and if you outlive everybody, nobody shows up at your funeral either. The longevity paradox-one of the six risks that the seven-figure solution can really help you with. Now, tell us more about funding it, so you can get a good cash value balance in. There, I know that one way you do it is actually with short-term rentals instead of a paycheck.   Jared Garfield  25:06   We love short-term rentals, especially for our highest net worth clients, because the reason is is the bonus depreciation of the big beautiful bill. Oh, right! You could take up to like 150 or even $200,000 in year one, they take that depreciation that they used to spread out over a whole lot of years, and they make it to where if you get with your CPA and you analyze your short-term rental, you could potentially take all of the furnishings, all of the artwork, all of the dishes and things that are in the property. Sometimes they'll let you take components like the appliances, the air conditioning unit, the furnace, and they'll let you take it all in year one instead of having to line item it and spread it out over you know 27 and a half years. So what this means is, if you have a short term rental, then you you might get like 150 to 200,000 tax break in the first year on the right property, but it's better than that because instead of having to have like 750 hours to hit full-time real estate professional status, it cuts the hours that you have to have significantly down. I think it's more like 150 hours or something like that, or 300. It's like half the hours, and so you can hit the benefits of taking unlimited passive loss much easier if you have a couple of short-term rentals.   Keith Weinhold  26:24   You're listening to Get Rich Education. We're talking with Jared Garfield about the seven-figure solution, something that takes some time to understand, but it can give you a tax-advantaged pool of capital that grows over time, and it also creates this overall tailwind, not just during your investor life, but then it provides tax advantaged retirement income at the same time. More on this when we come back. 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It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866. This is the   Speaker 2  28:28   Real Wealth Network's Kathy Betke, and you are listening to the Always Valuable Get Rich Education with Keith Weinhold.   Keith Weinhold  28:46   Welcome back to Get Rich Education. I'm your host Keith Weinhold. We're talking about the seven-figure solution with Jared Garfield. Something that can be a particular benefit to real estate investors both during your investing career and then once you're in retirement as well, and this can take the form of either an indexed universal life policy or a whole life policy. There are a lot of wrong ways to do this and wrong things to get into. We're talking about the right way. Part of that is funding it as best you can. Can you tell us more about that?   Jared Garfield  29:20   Well, there's a lot of different ways to fund it. A lot of our clients will come in. We have some people who will use rollovers if they're nearing the end of retirement. Some people will roll over a 401k into a cash value life insurance policy because they can do it over a five or seven year period, and they pay the taxes when they roll it over, so their taxes go up a little bit for five or seven years of retirement, but then what happens is that means that during their retirement they're not taxed on the income all the way through retirement, so that can save really significantly. But a lot of our clients will do a flip and dump 40 or 50,000 a year in by just saying I'm going to do one flip a year and use that to. Fund the whole thing, or they'll take the cash flow and dump the cash flow into here instead of the bank, just so that they get the living benefits and they get the much higher return with still 80 to 90% liquidity. So could be cash flow from rentals, could be money from a flip, or sometimes some of these short-term rentals can make 20 to $30,000 a year, and if you get $100,000 tax break, you have more money that's not going to Uncle Sam, and then because that's your discretionary income now, because of the tax break, you could use that money to for down payments to grow your portfolio or to do a flip.   Keith Weinhold  30:35   Now, Jared, I sort of think of the cash value that you're accumulating in this policy as safe money that grows at a slow to moderate steady rate, but if it rarely or ever loses value, can you tell us more about that and the rate of return expected in the policy?   Jared Garfield  30:52   Yeah, absolutely. With the IULs, it's going to depend a little bit upon the carriers and stuff like that, and whether you go with a mutual company and stuff like that. It can vary, but a lot of times people are going with things that are what we call indexed. So you can actually index it to the S and p5 100 if you think that we're going to have a bull market and the market's going to really go up strongly. You can index it to the market, and sometimes they'll have a participation rate where they'll say, "Okay, you can participate up to 12% So if the stock market does 17% the most you can make is 12% So you're giving up a little bit of upside, but that's still not nothing. I mean, that's not three or 4% You can still make you know 10 or 12% that year, but you're giving up the part above the participation rate. And the reason that you do that is if the market tanks and drops by 30 or 40% The worst you can do is 0% return. Zero is my hero because you didn't lose anything. So if you had a half a million sitting there, you don't go down to 250 and then wait eight years to get back to break even. Instead, you're still at half a million. And if the market goes up next year by 20% and you had a 10% cap. Then your half a million, you know, is now at 550,000. When everybody else, if it went up by 10% they're at half the amount that they had.   Keith Weinhold  32:13   You have a story or example of how you've helped somebody with this, because I know a lot of investors that are passionate about utilizing the cash value inside an insurance policy tell us.   Jared Garfield  32:28   Well, I've got one friend who's a developer, and he did like a $5 million policy. And every time he flip a subdivision or flip a house, and let's back   Keith Weinhold  32:36   up. Does a $5 million policy mean that's the death benefit?   Jared Garfield  32:40   Yeah, that's the death benefit. Thanks for catching that. That's the death benefit, but that also has a correlation to how much money you can dump into it. So if you have a $5 million policy, you can dump a lot more money in for the tax free growth. And the quicker you hit that death benefit amount, at that point you're self-insured, and so at that point you really don't have cost of insurance on administering the policy hardly at all, and so at that point, when you're what we call self-insured, the return on the investment becomes a lot better. But this particular developer was able to use this policy because he had so much cash value in, and if he sold a house, he'd take 40,000. If he sold 10 a year, he might take you know 400,000 and dump it into this policy, and so it made him bankable. And he was able to use the money to go out and do new subdivision developments because the bank would actually use the policy as the collateral to be able to give him loans at much lower interest rates.   Keith Weinhold  33:38   That's valuable. Tell us about that. I don't want to use the wrong words here, but then effectively with this example, are you borrowing against the funds in the policy? So therefore, you can get those dollars working for you somewhere else, all while simultaneously the cash value continues to compound and grow. Sort of another form of leverage.   Jared Garfield  34:01   Correct. What they basically do is they basically freeze part of the amount and say, okay, we're using this as the collateral and stuff like that to be able to do the loan. But if it grows and and makes 7% you're still making the money off of the money that's sitting in there. It's just collateralized as part of the loan. And some people will even use it to like go buy a car, like instead of buying a car and going getting a bank loan and paying 7% to the bank, they might borrow money out, go pay cash for the car from the life insurance policy loan, and pay 2% instead of 7% But they're paying it to themselves, and as long as they're paying the interest to themselves, if the money that they borrow out could potentially still earn the same money and earn 7% even though you had borrowed out. So it's doing two things for you at the same time, as long as you're paying that loan interest. But and that depends on the option that you take when you do your loan.   Keith Weinhold  34:54   We love leverage around here. Leverage trumps compound interest. In so many ways. Oh, I'm really glad that you told us some more about that using the funds in more than one way at the same time. Tell us more about what it costs for the investor, the costs of setting this up, and then what some of those trade-offs are, Jared.   Jared Garfield  35:18   Well, that really depends on the individual. I mean, everybody has to sit down and be able to decide what is acceptable for them. You know, a lot of times people will want to max fund the 401k that they're doing at least just to the amount that's matched. But then after that, this could be a great place instead of putting a whole bunch more money into a 401k. Some people will elect to say, "I'm going to put the matching portion into my 401k, but then I'm going to take my cash flow from my real estate and money that I could have contributed to other alternatives and put it into this because I want the liquidity. I want to be able to leverage this money and pull it out without any restrictions. That as long as I can pull out 80 to 90 percent, I could go buy a car wash, or I could invest in a business, or I could, you know, do whatever I wanted to. I could loan it to my kids for their college and make them pay me loans back to my policy. There gives you a lot of flexibility to do it. But the thing that we love about it is we'll do what's called an illustration, and it may end up if you start at the right time, it could be a six-figure passive income stream at retirement, and then if you have the real estate, because this helped you grow your portfolio, where without doing the strategy, you might have ended up with say 10 properties. We might be able to get you to 20 or 30 properties working together as a team with your real estate coaches and stuff like that. Then we can potentially grow your real estate portfolio, and what we want to do is 1031 exchange every seven to eight years. I don't believe in holding properties for 30 years.   Jared Garfield  36:47   I believe in exchanging them every seven to eight years because when the tax benefits have been used up, if you exchange to twice the size portfolio, you have better appreciation on a portfolio worth twice as much. But that new value, you still get the depreciation advantages, where the old value that was half, you know, the depreciation is used up. So you're you're getting new depreciation on the higher value assets, and then our goal would be that by the time you don't want to be involved in managing the property managers, that at some point you're going to have a 200 unit apartment complex with on-site management, and at that point you don't have any financial worries really because you're 1031 exchanging into those apartment complexes, but you have so much equity that you're still maintaining depreciation during your retirement years. When most people who have lesser plans don't have the tax advantages,   Keith Weinhold  37:41   I love that you said so much of that, and to you, the listener, Jared is licensed to do this, and our own in-house investment coach. You mentioned coaching. Naresh has the proper licensing as well to holistically help integrate this into your investor life. And for example, yes, we are rarely of the mindset that you would hold a property for all 30 years because after seven to 10 years, your leverage ratio gets worn down, and then additionally, if you're buying turnkey properties, oftentimes that's when capex expenditures start to enter into the picture. So yes, oftentimes we do these seven to 10 year holds.    Jared Garfield  38:23   I love that. Yeah, that's a really really good strategy, and and it always makes it to where you can grow so much bigger portfolio by not being taxed through that exchange. And you know, believe it or not, there's actually even ways when you have extra cash boot, they do allow if you notify them in advance. Sometimes you can take some of the cash boot on the exchange and roll it into some of the products that we utilize.   Keith Weinhold  38:47   For more specifics, I know you said it's based on one's individual situation, but how much does it cost to set up a policy? And then, are there any ongoing maintenance fees? Can you give us more specifics there?   Jared Garfield  38:59   So, there's small fees to administer the policy because you have people who are trading and doing different things and working within the policy for the funds. But usually, you can set policies up as low as 100 or even $200 a month. We don't usually recommend that because you want to max fund it. Usually, when you're doing these strategies, if you're just doing $100 or $200 a month, you're basically buying life insurance, but you're missing a lot of the benefits because what you want to do is to be able to max fund it. So what we like people to do is get as minimum life insurance. That's not in our advantage because we get paid based on the premium of the amount of life insurance you get. But you get the smallest amount of life insurance for the amount that you can max fund. I would much rather have somebody get a $500 a month policy that, let's say, they could put you know a thousanmd a month in or something like that, than to have somebody get $1,000 a month policy where they're paying a thousand a month but they can't max fund it because by max funding it you're maximizing the growth component of the cash. Value, and so it depends on how much you want. But you can go anywhere from $100 or $200 a month to we have clients that will dump $20,000 a month in because they really want to shield as much money as they can from tax growth.   Keith Weinhold  40:15   Tell us more about who the seven-figure solution is for and who it's not for.   Jared Garfield  40:20   Well, if you're living month to month and you don't have discretionary income, it's probably not a good solution. In that situation, you probably want to get term insurance and just make sure that you cover catastrophic things. But if you've got discretionary income and you've got an extra four to $500 a month that you could use to max fund, we figure most people need life insurance anyway, and the way that we teach it, when you mix it with real estate, rather than pulling it from your monthly budget, doesn't it make a lot more sense to let your tenants buy the houses for you, but also pay for a half a million or a million dollar life insurance policy for you, where the tenants are covering the savings for anything that happens at the property with capex or vacancy or damage, and at the same time covering life insurance and potentially a six-figure passive income that's tax advantaged at retirement. So I pull the money out from other assets and let the assets cover this asset.   Keith Weinhold  41:18   Oh well, Jared, this has been great. Before I ask you if you have any last things to tell the audience about the seven-figure solution, I invite you, the audience, to join us. It's going to be Jared and our own in-house investment coach, Nareesh, bringing you a live online event that you can join from the comfort of your own home next Thursday, the 27th at 8 PM Eastern. You can register now; it's free at grewebinars.com because there are a lot of moving parts, and it does take some time to wrap your head around this, benefiting from the cash value of an insurance policy. And this way you can have a Q and A, and you can get answers in real time at this event. It's called the Seven Figure Solution: Build wealth, reduce risk, and create tax advantage retirement income through real estate. Again, it is next Thursday, the 27th at 8p.m. Eastern, you probably have generated some questions inside your head while you're listening to this, and you can sure have them answered there as you're going to learn a whole lot more about it next Thursday. This could help a lot of people. Jared, do you have any last thoughts?    Jared Garfield  42:38   I think the only thing is that we like to work with the team. We like to work with your CPA. We like to work with your real estate investment coach. I used to be a coach and trainer for Robert Kiyosaki, who wrote Rich Dad Poor Dad, and he always talked about power teams. And so we want to be able to be a part of your power team and work with your other advisors to help you implement something. We're not here to give you tax advice. We want you to be able to work with your investment advisors and your CPAs, and just be a part of the team. But I would point out that over my career, I've owned hundreds and hundreds of single-family cash flow rentals, duplexes, fourplexes, apartment complexes. I've done some land development, and I implement these strategies myself. I had 17 Airbnbs, and so these are the strategies that I implemented as a full-time real estate professional. I felt like that this strategy of having a seven-figure solution could help you to avoid some of the pitfalls that I experienced in my 20s.   Keith Weinhold  43:32   So much all comes together for one pretty comprehensive solution. It's the intersection of growing your portfolio, getting tax advantages and having the death benefits of insurance and more all coming together next Thursday, so that you can learn more. Jared, it's been great having you back on the show.   Jared Garfield  43:52   Thanks, Keith. Always glad to join you.   Keith Weinhold  44:00   Integrate the seven-figure solution the GRE way, where we have this conscientiousness about leverage and cash flow. In this case, it's how to prudently leverage a life insurance policy. When it's time to tap your cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, hence using the funds in more than one place, and the IRS does not tax loan proceeds. This reminds me of a billionaire and how they borrow against the value of their stock. That way, they don't have to sell their assets. This is similar to what you can do with this. Another thing is that you know real estate investors are not used to a volatile ride because our asset values stay stable. You heard Jared mention the acronym IUL there. That's an indexed universal life policy. It's a real benefit. That says you tie yours to the S and P five hundred. Well, that index was down 18% in 2022, and that your cash value can have an upside ceiling and loss protection on the downside-an option that you'll care more about as you get toward retirement. In 2008, the S&P was down 37% so the math is cruel on value losses. In fact, it's even worse than it sounds because if you're down 30%, then you need a 43% gain just to get back to even. That is just math.   Keith Weinhold  45:39   There are some mistakes to avoid here, and you don't just want to set up your seven-figure solution off of a website. And it is based on products that you might have heard of from companies like Nationwide and Mass Mutual. I strongly encourage you learn more, see how it all goes together, learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, 721 exchange, and 1031 exchange. This is very much about seeing your future. You've been listening to me here every week for almost 12 years, earning money from your day job, building your real estate portfolio, either from our investment coaching or on your own. This is how it all goes together. Next week with Jared and GRE investment coach Naresh. By attending live, you can have your questions answered in real time. One last time, you can sign up for the event for next Thursday, the 27th at 8 PM. Eastern, 5 PM. Pacific. Learn about something that's potentially really valuable to you: the seven-figure solution at grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  46:59   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  47:26   The preceding program was brought to you by your home for wealth building, getricheducation.com  

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A federal judge has blocked President Donald Trump's mail-voting order nationwide, expanding an earlier injunction that covered 23 states and Washington, D.C. A separate challenge involving another part of the order remains before the Supreme Court. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tricia Barhorst of Nationwide Insurance gives some great information to help you navigate claims as a result of the storms from the last couple of days

Nationwide, students, teachers, and parents are gearing up for the school year.And measles is spreading. The U.S. has already logged more cases this year than in all of 2025. It's the highest count in 35 years. That's in large part because measles vaccination rates have slipped below 95 percent – the threshold public health experts say is needed to stop community spread.  Last week on CNN, Health and Human Services Secretary Robert F. Kennedy Jr. said children should be vaccinated for measles after being pressed on-camera, even as he used the same interview to push a debunked claim about respiratory syncytial virus.  And on Monday, President Donald Trump signed an executive order aimed at upending the childhood vaccine schedule, including changes to the measles vaccine and others. But what will actually change at the doctor's office?Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Makenna Gibbons became part of one of Utah's most public scandals when the “Mormon swinging” story exploded online in 2022. Behind the viral headlines, Makenna was simultaneously dealing with infidelity, divorce, motherhood, public scrutiny, and the collapse of the life she knew.In this episode, Makenna sits down with Jimmy to tell her side of the story and, more importantly, share what happened after the headlines faded. She talks about the boundaries she wishes she had protected, how group dynamics and alcohol contributed to decisions she regrets, the painful process of rebuilding her identity, and what years of therapy taught her about accountability without shame.Makenna also opens up about rebuilding a healthy co-parenting relationship with her ex-husband, getting remarried, learning to trust herself again, and why she believes even the darkest seasons eventually end.This conversation is ultimately about what happens when your worst mistakes become public—and how you rebuild a life you're proud of afterward.Follow Makenna Gibbons: IG

Kai Moreto didn't set out to build a cookie business. He set out to build a fitness career. But when Elite Dough took off, he found himself running a nationwide brand from wherever he happened to be: processing online orders, managing social commerce, and keeping the operation moving without a fixed office or a traditional back-of-house. In this episode, Kai talks about what it really means to run a modern business on the go, and how tools and routines help keep everything moving. This episode of How Success Happens is presented by AT&T Business. To learn how they can help support your business as it grows, visit att.com/smallbusiness. Learn more about your ad choices. Visit megaphone.fm/adchoices

American Red Cross declares blood crisis The American Red Cross has declared a national blood crisis, only the second time in its history it has taken that step. The first was in January 2022 as a result of the COVID-19 pandemic. This time, blood donations have fallen to a four-year summer low, and demand remains elevated. The shortage is especially urgent for type O blood, as supplies of O positive fell below a one-day supply in late July. Wednesday on the "Sound of Ideas" hosted by Stephanie Haney, we'll look at what's driving this shortage, how it's affecting hospitals and patients, and how you can help rebuild the nation's blood supply. Guest:- Christina Peters, Northern Ohio Regional Communications Director, American Red Cross Global HIV/AIDS research continues despite cuts to U.S. funding Later in the hour, a conversation about HIV/AIDS funding and the latest in research and treatment options. In 2019, during his State of the Union address, President Donald Trump called for the elimination of HIV transmission in the U.S. by 2030. Two years later, the United Nations adopted a similar declaration globally. But in 2026, those goals are facing significant challenges. In March 2025, the Trump administration terminated a federal advisory committee on HIV prevention and treatment. By the end of the year, global government funding to low and middle-income countries fell 25% compared with 2024, according to KFF. This February, the administration rescinded $600 million in Centers for Disease Control grants supporting HIV prevention and surveillance programs. Then in April, Trump announced plans to remove all members of the HIV/AIDS Presidential Advisory Council. Those changes came shortly after the U.S. Department of Health and Human Services laid off more than 10,000 federal health employees, including staff working on infectious disease and HIV/AIDS. The U.S. set out to reduce new HIV infections by 75% by 2025, which would have brought the number of new cases down to about 9,300. But the latest CDC data from 2024 puts the number of cases closer to 39,000. So, is the 2030 goal line still within reach? The future is uncertain. Guest:- Asia Russell, Executive Director, Health GAP (Global Access Project) Ideastream's Summer Interns Last week, we said goodbye to our 2026 cohort of interns here at Ideastream Public Media. Throughout the summer, our nine Cleveland interns learned about their respective fields and honed their crafts throughout our multiple departments – including news, marketing and radio broadcast. To learn more about these interns– what they accomplished here, their career aspirations and what they took away from this experience – we brought them on the show. We heard from four interns last week, and on Wednesday we will hear from the remaining five. Guests:- Grace Claxon, News Intern, Ideastream Public Media- Benjamin Giesen, WCLV Intern, Ideastream Public Media- Kiera McGuire, Sound of Ideas Intern, Ideastream Public Media- Sonya Suri, Digital Content Intern, Ideastream Public Media- TJ Thomas, Intern from University School, Ideastream Public Media

For educational purposes only It's time to get superior results with us! Support your health & wellness journey with #Titan! Feel Better, Look Better & Perform Better with TitanMedical Center! HormoneOptimization #Health #Wellness #TitanMedicalCenter

We Like Shooting We Like Shooting - Ep 675 August 10, 2026 Presented by This episode of We Like Shooting is brought to you by: Foxtrot Mike (Code: WLSISLIFE) Medical Gear Outfitters (Code: WLSISLIFE) Night Fision (Code: WLSISLIFE) Rost Martin (Code: WLSISLIFE) Bowers Group (Code: WLS) Flatline Fiber Co (Code: WLS15) Otis Technology (Code: WELIKESHOOTING15) Guests: One Horse, @onehorseusa – https://theonehorse.com Giveaways!! GAW   Text Dear WLS or Reviews +1 743 500 2171 Public   Show Titles   Gear Chat One Horse One Horse Express Rifle and Pistol with Atrius FRS At One Horse, we believe the rifle on your shoulder should be as dependable as the hands that carry it…. TheOneHorse is an American firearms manufacturer based in Brownstown, Indiana, producing the One Horse Express series of rifles and pistols in .22LR and 5.56/.223 calibers. All models integrate the Atrius FRS system and are offered in various barrel lengths with M-LOK or quad rail configurations. Products are sold directly via the company website alongside parts and suppressors, with an emphasis on American-made reliability and no-compromise construction. Availability: Available for direct purchase on theonehorse.com with current pricing and dealer applications; waitlist option for select items Cost: $999.99–$1,299.99 (current listed prices; e.g. 16″ 5.56 rifle $999.99, 12″ .22LR pistol $1,299.99) Special: Integrated Atrius FRS system on all Express models combined with American-made construction in .22LR or 5.56/.223 with M-LOK or quad-rail handguards (Savage) Savage1r's Experience in the Spokane Complex Fires Savage1r's experience in the Spokane Complex Fires. Supplementary Research: Savage1r shared firsthand observations from the Spokane Complex Fires while discussing technical gear during a segment focused on equipment performance in active wildfire conditions. The Spokane Complex Fires burned over 44,000 acres in eastern Washington in 2024, involving multiple lightning-caused ignitions managed under unified command with significant use of aerial resources and ground crews. Gear topics in similar wildfire incidents often center on respiratory protection, thermal imaging, durable fabrics, and communication reliability under extreme heat and smoke. Theoutdoorwire One Horse To Launch Express 22 Rifle And Express 22 Pistol At Goals 2026 One Horse announced the Express 22 Rifle and Express 22 Pistol, two dedicated .22 LR AR-pattern firearms debuting at GOALS 2026. The rifle uses a 16.1-inch barrel and THRiL CCS stock, while the pistol uses a 12.1-inch barrel and stabilizing brace; both use serialized One Horse lowers, dedicated rimfire operating systems, THRiL RTG grips, and Atrius Development Group's three-position Forced Reset Selector. The platforms are intended for training, recreational shooting, and high-volume range use. Initial production will be sold directly to consumers, with pricing, ordering details, and shipping dates to be announced. Gun Fights Play the best Price Is Right-style GunBroker game on the internet. Gun Fights Live DisplayFollow the game, prices, and reveals as they happen.Open the live display BangRank A live cast ranking segment for anything and everything in the gun world, powered by questionable certainty, strong opinions, and audience voting. BangRank Live VotingScan or open the link to rank along with the show.https://welikeshooting.com/rank   Going Ballistic The Truth About Guns (Savage) Jensen v. ATF & Silencer Shop Foundation v. ATF – N.D. Texas Strikes Down NFA Registration Requirements for Suppressors, SBRs, SBSs, AOWs Gun-rights groups are celebrating a federal ruling striking down NFA registration requirements for suppressors, SBRs, SBSs and AOWs. U.S. District Judge James Wesley Hendrix (Northern District of Texas) ruled in *Jensen v. ATF* and *Silencer Shop Foundation v. ATF* that NFA registration, application, approval, and enforcement provisions for suppressors, short-barreled rifles (SBRs), short-barreled shotguns (SBSs), and any other weapons (AOWs) exceed Congress's powers once the associated tax was effectively zeroed out. Multiple gun-rights organizations hailed the decision as a major Second Amendment victory and a step toward dismantling the National Firearms Act. A seven-day stay expires August 12, 2026, with appeals likely to the Fifth Circuit; parallel SAF-backed cases remain pending. The Gist: Scope (who/what states are affected): Nationwide implications for owners and manufacturers of suppressors, SBRs, SBSs, and AOWs; ruling applies to enforcement of NFA registration requirements by ATF across the United States, though limited to the specific plaintiffs and likely to face immediate appeal. Impact: Decision holds that the NFA registration regime lacks constitutional basis without a tax, potentially invalidating core regulatory provisions; groups including FPC, GOA, and CCRKBA describe it as affirming the NFA's unconstitutionality and a historic win, with possible broader effect if upheld on appeal to the Fifth Circuit. – Bullet 3: Bottom Line: NFA registration and approval requirements for the listed items are struck down in this district-court ruling as exceeding congressional authority post-tax elimination; a short stay allows time for appeal, leaving the ultimate fate of the NFA provisions pending further litigation. Reviews Review: Alex W from California Review from Alex W Reviewing the cast as singers/bands. Shawn: Taylor Swift. Technically very good at what he does. But we hear so much of him that we all find ourselves wishing he would just go away once in a while. Nick: Nickelback. Honestly, we all thought he'd be dead by now. Nobody fully understands what keeps him going. But, somehow we all end up nodding along every time he comes on. Jeremy: Five Finger Death Punch. I really gotta explain this one? It's in the name. Savage: *insert random mumble rapper because I dont care enough to look one up* Nobody knows what he's saying. And wait, that's supposed to be music? Aaron: Kurt Cobain. Because, we can only hope. Review: Wes Sconsen from Wisconsin Blessings to all of you. Jeremy, go full stache. It's not creepy and you would make that shit look damn good. Sincerely, Wes Sconsen Review: Richard "Big Dick" Smoker from NJ Wrote by AI, with specific criteria by me. We Like Shooting is the podcast equivalent of discovering the group chat should've never been given microphones. Jeremy rocks a mustache that looks like it escaped a 1970s cop show and refuses to return to its natural habitat. Shawn somehow manages to host an entire podcast while carrying the weight of… well, let's just say gravity is doing him no favors. Nick has turned “I think I just trusted a fart” into a recurring personality trait. And Savage continues broadcasting from a state that seems determined to ban fun one regulation at a time. Despite all of that—or maybe because of it—the show is hilarious. You'll get firearms talk, gear reviews, industry news, and enough insults directed at each other to make you wonder why they're still friends. Nobody is safe, especially the hosts. If you want a squeaky-clean, HR-approved podcast, this ain't it. If you enjoy guns, sarcasm, and listening to grown men professionally bully each other for your entertainment, subscribe already. Richard “Big Dick” Smoker Before we let you go – Join Gun Owners of America We'd love if you supported the show, join Agency 171 at agency171.com. Lot's of prizes, rewards and kick ass swag. No matter how tough your battle is today, we want you here fight with us tomorrow. Don't struggle in silence, you can contact the suicide prevention line by dialing 988 from your phone. Remember – Always prefer Dangerous Freedom over peaceful slavery. We'll see you next time! Nick – @busbuiltsystems | Bus Built Systems Jeremy – @ret_actual | Rivers Edge Tactical Aaron – @machinegun_moses Savage – @savage1r Shawn – @dangerousfreedomyt | @camorado.cam | Camorado

American medicine is changing, transformed by breakthroughs in gene therapies, innovative approaches to behavioral health, the advent of retail medicine and artificial intelligence. Dr. Marschall Runge calls this “the great health care disruption,” but says that understanding what is happening is a way to make these changes work for everyone while lowering costs and barriers to care.

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

Is your dairy farm prepared for a fire, natural disaster or another type of emergency? Does your team know what to do? Join host Kimmi Devaney and Dan Rice from Nationwide Agribusiness Insurance Company for a discussion about the first steps a dairy farm should take, how to develop contingency plans, and tips to build proactive relationships with first responders that will save precious minutes when the unthinkable happens. Episode overview: [~1:25] Another definition of risk management for dairy farms[~1:45] Rice's background and role at Nationwide[~2:55] Top dairy-related claims[~4:10] Newer risks to keep in mind[~5:30] How many dairy farms have any type of emergency plan in place?[~6:15] First steps when developing an emergency plan[~7:35] What is a contingency plan, and how do producers know what they need a contingency plan for? [~9:45] What to include on the list of emergency numbers and where to post it[~12:00] How to make an emergency call[~13:00] Tips to build proactive relationships with the fire department and first responders [~12:15] Who is responsible for the plan/parts of the plan? (Cows, employees, media, first responders, etc.) [~17:00] Tips for handling media during a crisis[~19:50] Preparing for an emergency[~20:20] Follow-up steps after an emergency[~20:50] Communicating the plan to the team/how to involve them in this process [~23:20] Other contingency plans[~29:45] More ideas of what to include on the list of emergency numbers[~31:10] Available resources[~31:30] Questions dairy producers should ask their insurance agent related to emergency planning and risk management[~35:45] Rapid-fire questions

SPONSORS: Don't let your mind get in the way of a good time. Discover your options at https://BlueChew.com Shopify: Turns out you don't need a real job. Build your own business with a free trialat http://shopify.com/bears Head to https://acorns.com/bears or download the Acorns app to get started. New DraftKings customers, sign up with code BEARS spend five bucks to get one hundred fifty in rewards within 14 days, includes all markets. Over at https://dkng.co/bears. For a limited time, our listeners get 50% off FOR LIFE, Free Shipping, AND 3 Free Gifts at Mars Men at http://Mengotomars.com. This week on 2 Bears, 1 Cave, Tom Segura and Bert Kreischer are back in the cave after eight weeks apart, and they open with a full review of The Odyssey, Lupita Nyong'o as Helen of Troy, Matt Damon's rogue Boston accent, and why Jon Bernthal is Hollywood's most legendary napper. From there, Bert unveils his billionaire rebrand (Sabah shoes, LBJ Stetsons, and the top five shoes billionaires wear this fall) before getting real about sobriety, anxiety attacks, and self-diagnosing 12 terminal illnesses in a single month. The Bears also spiral into the movies that blindsided them, Primal Fear, The Sixth Sense, Memento, Fight Club, and why the DIY hits like Obsession prove Hollywood is in another pivot moment. Plus: Project Hail Mary vs. the 15-hour audiobook, Bert's theory that this is the funniest (and most jacked) generation of comics ever, college football weight-room PRs, Jason Kelce showing up for a 9 AM bench session, and a meet & greet at MacDill Air Force Base August 14. If you missed the Bears, this one's for you. 2 Bears, 1 Cave Ep. 335 https://tomsegura.com/tour https://www.bertbertbert.com/tour https://store.ymhstudios.com Bet with DK Sportsbook: Gambling Problem? Call 1-800 GAMBLER, 1-800 MY RESET. Connecticut: call 888-789-7777, visit http://CCPG.org. On behalf of Boot Hill Casino in Kansas. Bet tax pass-through may apply in Illinois. Twenty one plus. Void in Canada. Event contract trading with DraftKings Predictions involves risk of loss. Availability varies. Predictions offer void in New York. Bet to get Bonus bets that expire in seven days. Trade to get Predictions Dollars that expire in one year. Fifty dollars in rewards issued every seven days via click to claim for fourteen days. One non-withdrawable reward redeemable. Nationwide based on Sportsbook, Predictions, and Free-to-Play Sports Contest availability. Varies by State. Terms at http://dkng.co/offer. Limited time offer. Chapters 00:00:00 - Intro 00:00:26 - The Bears Review The Odyssey 00:10:34 - Bears At MacDill Air Force Base 00:11:15 - Project Hail Mary & Bert's Cute Shoes 00:23:37 - Bert's Drinking Again 00:33:36 - Obsession & The New Hollywood Pivot 00:39:00 - The Best Twist Movies Ever 00:52:33 - Everyone's Got Abs 00:56:02 - College Weight Room Energy 01:00:44 - Wrap Up Learn more about your ad choices. Visit megaphone.fm/adchoices

Get MORE Bad Friends at our Patreon!! https://www.patreon.com/c/badfriends Thank you to our Sponsors: Acorns, Smalls, Talkspace, Ultra, Draft Kings & Factor • Acorns: Head to https://acorns.com/badfriends or download the Acorns app to get started. • Smalls: For a limited time, get 60% off your first order, plus free shipping and free treats for life, when you head to https://Smalls.com/BADFRIENDS. • Talkspace: As a listener of this podcast, you'll get $80 off of your first month with Talkspace when you go to https://Talkspace.com and enter promo code SPACE80. • Ultra: New customers can use code BADFRIENDS to get 15% off at https://TakeUltra.com. • Draft Kings*: New DraftKings customers, sign up with code BADFRIENDS spend five bucks to get one hundred fifty in rewards within 14 days, includes all markets. • Factor: Head to https://FACTORMEALS.com/badfriends50off and use code badfriends50off to get 50 percent off and 1 free breakfast item per box for 1 year, while supplies last until 10/31/2026. YouTube Subscribe: http://bit.ly/BadFriendsYouTube Audio Subscribe: https://apple.co/31Jsvr2 Merch: http://badfriendsmerch.com More Bobby Lee TigerBelly: https://www.youtube.com/tigerbelly Instagram: https://www.instagram.com/bobbyleelive Twitter: https://twitter.com/bobbyleelive Tickets: https://bobbylee.live More Andrew Santino Whiskey Ginger: https://www.youtube.com/andrewsantinowhiskeyginger Instagram: https://www.instagram.com/cheetosantino Twitter: https://Twitter.com/cheetosantino Tickets: http://www.andrewsantino.com More Fancy SOS VHS: https://www.youtube.com/@7equis Instagram: https://www.instagram.com/fancyb.1 More Bad Friends iTunes: https://podcasts.apple.com/us/podcast/bad-friends/id1496265971 Instagram: https://www.instagram.com/badfriendspod/ Twitter: https://twitter.com/badfriends_pod Official Website: http://badfriendspod.com/ *Bet with DK Sportsbook: Gambling Problem? Call one eight hundred GAMBLER, one eight hundred MY RESET. Connecticut: call eight eight eight seven eight nine seven seven seven seven, visit CCPG dot org. On behalf of Boot Hill Casino in Kansas. Bet tax pass-through may apply in Illinois. Twenty one plus. Void in Canada. Event contract trading with DraftKings Predictions involves risk of loss. Availability varies. Predictions offer void in New York. Bet to get Bonus bets that expire in seven days. Trade to get Predictions Dollars that expire in one year. Fifty dollars in rewards issued every seven days via click to claim for fourteen days. One non-withdrawable reward redeemable. Nationwide based on Sportsbook, Predictions, and Free-to-Play Sports Contest availability. Varies by State. Terms at d k n g dot c o slash offer. Limited time offer. Opening Credits and Branding: https://www.instagram.com/joseph_faria & https://www.instagram.com/jenna_sunday Credit Sequence Music: http://bit.ly/RocomMusic // https://www.instagram.com/rocom Character Design: https://www.instagram.com/jeffreymyles Bad Friends Mosaic Sign: https://www.instagram.com/tedmunzmosaicart Produced by: 7EQUIS https://www.7equis.com/ Podcast Producer: Andrés Rosende This video contains paid promotion. #bobbylee #andrewsantino #badfriends #sponsored #ad Learn more about your ad choices. Visit megaphone.fm/adchoices

Bio: Carson Lueders is a 24-year-old singer, songwriter, and actor from Spokane, Washington. He first gained attention by posting covers on YouTube, catching the wave of social media growth and building a global fanbase around his undeniable vocals, charismatic personality, and heartfelt artistry. Over the past decade, he has released a string of original music that has generated 10M streams and 100+ million YouTube views, and has grown a social audience of over 13 million followers across digital platforms.  From appearing alongside his musical inspiration, Keith Urban, on national television at a young age to collaborating with award-winning producers like Timbaland and garnering top 40 airplay with his recent release "Toxic," featuring Quavo. Carson's career continues to evolve, demonstrating that he is one of the standout talents of his generation.  Carson's music has earned nominations from Nickelodeon's Kids' Choice Awards, Teen Choice Awards, and Radio Disney Music Awards, while his acting work made him a fan favorite as a series regular on the hit YouTube series Chicken Girls.  Today, Lueders remains a well-known social media personality and entertainer, recognized for his musical talent, online presence, and growing work in film and entertainment. He will next star in the upcoming inspirational drama Beyond Belief, coming to theaters nationwide this fall. Synopsis: Set in the 1980s, Beyond Belief follows Andy, a teenage rocker chasing his dream of making it big while struggling to cope with the loss of his father. When a mysterious voice urges him to "run," Andy is drawn into an unexpected journey that challenges his ambitions, tests his faith, and forces him to decide what kind of life he's truly meant to live.   Filled with heart, humor, and the iconic music of Petra, Beyond Belief is an inspiring story about hearing God's voice, trusting His plan, and discovering that His dreams for our lives are often bigger than our own. Trailer: https://www.youtube.com/watc?v=R-5dDVHnYA0 Social Media Handles: Instagram: @beyondbelief_themovie Facebook: Beyond Belief - Film YouTube: @intriguefilms TikTok: @beyondbeliefmovie Become a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.Subscribe now at YouTube.com/@RefocusedNetworkThank you for your time. 

Stacey Hanke returns to the show to reveal why eye connection is the only delivery skill that conveys trust—and how leaders can maintain their authentic human edge in an era of AI-generated noise.In this episode, communication expert and author Stacey Hanke joins Cam and Otis to break down the mechanics of influence. From the "ripple effect" of connecting with large audiences to the critical distinction between being well-liked and having executive presence, Stacey explains why the most common-sense communication habits are often the least practiced. Whether you're pitching a new client or leading a boardroom, this conversation provides the tactical steps to ensure your message actually lands.In this episode, you'll discover:• The "No Eyes, No Talk" Rule – Why eye connection is the foundation of trust and how to adapt your delivery to your listener's needs (03:30) • Social vs. Executive Presence – Why being the "funny one" in the room isn't enough and how to elevate your communication for the C-suite (16:19) • The Feedback Gap – Why leaders are often the last to know the truth and how to move past "good job" to find real growth (14:24) • AI as a Partner, Not an Identity – How to leverage technology for efficiency without losing the authentic voice that your clients trust (26:48) • Mindful Listening vs. The "One-Upper" – A powerful technique to stop thinking about what to say next and start truly hearing your team (38:28) • Sitting in the Messiness – Why new leadership habits feel awkward at first and why you must push through the discomfort to reach a new level (47:05)About Stacey Hanke: Stacey Hanke is the Founder and CEO of Stacey Hanke Inc. and the author of Influence Elevated. She has trained thousands of leaders at organizations like Microsoft, Nationwide, and General Mills to communicate with confidence and authenticity.Are you talking to eyes or just making noise? Hit play to learn the tactical steps to elevate your influence and lead with authentic presence.Chapters with Timestamps and Descriptions00:00 — Intro & The Eye Connection Dilemma• Cam and Otis discuss the struggle of looking at the camera vs. the screen. • Stacey introduces the core rule: "Only speak when you see eyes." • Why eye connection is the only delivery skill that conveys trust.05:39 — The Ripple Effect: Connecting with Any Audience• How to have one-on-one conversations with a room of 100+ people. • Using pauses to decide where your eyes land next to maintain attention. • Why your nonverbal behavior must adapt to what works for the listener.13:51 — The Feedback Gap and Executive Presence• Why leaders stop receiving honest feedback as they move up the ladder. • The difference between being well-liked (social presence) and being influential (executive presence). • How to handle the transition from a "doer" to an executive leader.22:38 — AI and the Disruption of Human Connection• How technology like texting and AI is eroding traditional social cues. • Using AI as a partner for efficiency while remaining the "final edit." • Why your reputation depends on your authentic voice, not a script.31:15 — The Art of the Pitch: Tapping into the "Why"• Why traditional elevator pitches are becoming "noise" in a crowded market. • Focusing on the problem you solve rather than your title or company. • Using "storytelling by subtraction" to increase the clarity and impact of your message.36:33 — Mindful Listening and Networking Techniques• Moving beyond the "What do you do?" question to build genuine empathy. • The "One-Upper" trap and how to practice mindful listening for keywords. • Using open-ended questions to let others feed you what you need to say.45:19 — Sitting in the Messiness of Growth• Why new communication habits feel awkward and "wrong" at first. • The importance of muscle memory and sitting in the discomfort of change. • Taking baby steps in day-to-day interactions to build long-term influence.48:43 — Vulnerability and Recording Yourself• Why recording and watching yourself is the fastest step toward improvement. • The courage required to be vulnerable in your own leadership development. • Final thoughts on consistency and where to find Stacey's resources.Connect with Stacey Hanke:https://www.staceyhankeinc.com/keynote-speakingLinkedIn: https://www.linkedin.com/in/staceyhanke/Facebook: https://www.facebook.com/StaceyHankeIncInstagram: https://www.instagram.com/staceyhankeinc/YouTube: https://www.youtube.com/staceyhankeWebsite: https://staceyhankeinc.com/#10xYourTeam #CommunicationSkills #Influence #LeadershipDevelopment #ExecutivePresence #LeadershipCommunication #EffectiveCommunication #SelfAwareness #ProfessionalDevelopment #BusinessCommunication

For educational purposes only It's time to get superior results with us! Support your health & wellness journey with #Titan! Feel Better, Look Better & Perform Better with TitanMedical Center! HormoneOptimization #Health #Wellness #TitanMedicalCenter

For educational purposes only It's time to get superior results with us! Support your health & wellness journey with #Titan! Feel Better, Look Better & Perform Better with TitanMedical Center! HormoneOptimization #Health #Wellness #TitanMedicalCenter

That mechanism is the Comstock Act, an 1873 federal anti-obscenity statute that criminalized mailing contraceptives and abortion-related materials. It has gone unenforced for a century but remains on the books. Hawk walks through how, per the call, Blanche pledged to stop physicians in states where abortion is legal from mailing medication to patients in states that have banned it, and argues the Comstock Act is the only existing statutory tool that would let him attempt it. He lays out the stakes: of roughly 1.1 million abortions in the US last year, about 65 percent were medication abortions, meaning several hundred thousand a year could be affected. Hawk notes the call was hosted by the White House Faith Office, recorded by the group Intercessors for America, and included a request for journalists to hang up. Senator Richard Blumenthal raised it before the committee vote, calling Blanche a zealot seeking to advance the president's position against reproductive rights. Hawk closes on what a nationwide effort against mailed medication, and potentially contraception, could mean. SUPPORT & CONNECT WITH HAWK- Support on Patreon: https://www.patreon.com/mdg650hawk - Hawk's Merch Store: https://hawkmerchstore.com - Connect on TikTok: https://www.tiktok.com/@mdg650hawk7thacct - Connect on TikTok: https://www.tiktok.com/@hawkeyewhackamole - Connect on BlueSky: https://bsky.app/profile/mdg650hawk.bsky.social - Connect on Substack: https://mdg650hawk.substack.com - Connect on Facebook: https://www.facebook.com/hawkpodcasts - Connect on Instagram: https://www.instagram.com/mdg650hawk - Connect on Twitch: https://www.twitch.tv/mdg650hawk ALL HAWK PODCASTS INFO- Additional Content Available Here: https://www.hawkpodcasts.comhttps://www.youtube.com/@hawkpodcasts- Listen to Hawk Podcasts On Your Favorite Platform:Spotify: https://spoti.fi/3RWeJfyApple Podcasts: https://apple.co/422GDuLYouTube: https://youtube.com/@hawkpodcastsiHeartRadio: https://ihr.fm/47vVBdPPandora: https://bit.ly/48COaTB

Horatio Joyce, the Garden Conservancy's Director of Public Programs & Education details the rich opportunities his organization provides to tour remarkable gardens in every region of the United States, and the innovative opportunities for gardening education it provides both in person and online.

CinemAddicts Episode 355 features movies coming out the week of Friday, August 7, 2026. The movies are Ice Cream Man, Big Baby, Olmo, and Late Fame.  Timestamps 08:59 - Late Fame / In New York (8/7) and Los Angeles (8/14) /  Nationwide rollout to follow /

Sarah Griffin, senior vice president, Nationwide personal lines product and underwriting, said her company sees a real opportunity to help homeowners prepare, rather than just react, through the right education and protection.

July has delivered the clearest evidence yet that Australia's property market has changed direction, but the headline figures only tell part of the story.   Capital city house prices fell by 1.5 per cent over the month, the sharpest national decline since August 2022, while Sydney recorded a particularly significant fall of 2.7 per cent.   Melbourne house prices are now almost 6 per cent lower since the beginning of the year, and prices also declined across Brisbane, Adelaide, Perth and Darwin during July.   Yet look beneath those monthly figures and Australia still has several very different property markets moving at different speeds, with units holding up better than houses nationally, despite some substantial monthly falls in individual capitals.   So, are these July figures simply the result of the usual winter slowdown, amplified by higher interest rates and reduced confidence, or are they signalling a more serious downturn?   That's what I'm ask Dr. Andrew Wilson, in today's show as we discuss the latest housing market movements and what they mean for buyers and investors.   We unpack how winter conditions, higher rates, and weaker confidence have slowed activity across the capital cities.   We look at why Sydney and Melbourne are underperforming, while Perth, Brisbane, and Darwin remain remarkably resilient.   We also explore why units are holding up better than houses, especially in markets with stronger underlying demand.   Finally, we discuss rents, inflation, and the Reserve Bank outlook, then finish with a long-term view on opportunity in the downturn.   Takeaways    • Capital city house prices fell 1.5 percent, signalling a broader winter slowdown. • Sydney's sharper decline reflects weaker clearance rates and softer buyer demand. • Melbourne and Sydney are lagging because premium segments are correcting faster. • Perth, Brisbane, and Darwin still show strong annual growth momentum. • Units are outperforming houses because affordability keeps buyers in that market. • Low vacancy rates are keeping rental pressure high across most capitals. • Higher rents increase cash flow pressure for tenants and improve investor yields. • Strong employment is supporting housing demand despite market uncertainty. • Rising electricity costs are adding inflation pressure and influencing Reserve Bank decisions. • Longer term investors can benefit when uncertainty reduces competition and improves negotiation power.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ ·        Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. ·        Everyone wins a copy of a fully updated property report Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au   Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.     Michael Yardney – Subscribe to my Property Update newsletter here.     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia   The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.   Each week we explore: • Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning   If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.   Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Tom Lyons, Chief Executive of The Currency, speaks about Michael Fingleton, who has died, aged 88.

We go through every player on the Sixers roster and how they can adjust their game to work better with LeBron James. Then we go through some Rich Paul's most recent podcast. Get the new Ricky shirts here: https://www.rightstorickysanchez.com/p/new-shirts-push-off-power-and-hesRead Sixers Adam's Dom Barlow profile here: https://www.phillyvoice.com/sixers-news-analysis-dominick-barlow-stats-highlights-lebron-james-reaction-golf-jaylen-brown-trade-mike-gansey-nba/ The Rights To Ricky Sanchez is presented by Draft KingsBecome a MortgageCS Ricky VIP at mortgagecs.com/rickyGet 20% off any Body Bio order with the code in the podcast.Surfside Iced Tea and Vodka is the official canned cocktail of The RickyBet with DK Sportsbook: Gambling Problem? Call one eight hundred GAMBLER, one eight hundred MY RESET. Connecticut: call eight eight eight seven eight nine seven seven seven seven, visit CCPG dot org. On behalf of Boot Hill Casino in Kansas. Bet tax pass-through may apply in Illinois. Twenty one plus. Void in Canada. Event contract trading with DraftKings Predictions involves risk of loss. Availability varies. Predictions offer void in New York. Bet to get Bonus bets that expire in seven days. Trade to get Predictions Dollars that expire in one year. Fifty dollars in rewards issued every seven days via click to claim for fourteen days. One non-withdrawable reward redeemable. Nationwide based on Sportsbook, Predictions, and Free-to-Play Sports Contest availability. Varies by State. Terms at d k n g dot c o slash offer. Limited time offer. 

For educational purposes only It's time to get superior results with us! Support your health & wellness journey with #Titan! Feel Better, Look Better & Perform Better with TitanMedical Center! HormoneOptimization #Health #Wellness #TitanMedicalCenter

For educational purposes only It's time to get superior results with us! Support your health & wellness journey with #Titan! Feel Better, Look Better & Perform Better with TitanMedical Center! HormoneOptimization #Health #Wellness #TitanMedicalCenter

Nationwide, animal shelters have been overcrowded and overwhelmed. Much of the burden may stem from the rising costs of pet ownership. We look at the issues shelters are facing, the many financial challenges pet owners are dealing with, and how major advances in veterinary medicine also come with a price.

Eighteen state attorneys general, led by Nebraska, have filed suit against Gavin Newsom and California over a plastics law that forces manufacturers nationwide to redesign their packaging — or lose access to the California market. The constitutional argument is straightforward: no single state gets to set environmental policy for the entire country. Red states are saying enough.The law Newsom signed in 2022 creates a so-called producer responsibility system — which is a polished way of saying companies pass the costs straight to consumers. It also includes carve-outs that conveniently protect industries with ties to Sacramento, while ordinary businesses in Montana, Indiana, and a dozen other states get squeezed by regulations their own voters never approved.The deeper issue is one California keeps testing: because it's the largest economy in the country, whatever Sacramento mandates effectively becomes national policy. That's exactly what this lawsuit is challenging. Whether the courts agree will determine whether one state can permanently hold the rest of the country's supply chain hostage to its environmental politics. We'll follow this one closely as it moves through the courts.CHAPTERS0:00 The Recycling Myth in California1:00 17 States Sue California Over Plastic…1:32 Nebraska AG Leads Anti-California…2:20 How Little Plastic Actually Gets…3:49 Newsom's 2022 Plastics Law Under…4:40 Producer Responsibility Laws Push…6:10 Real Plastic Pollution Sits in…7:01 Lawsuit Claims California Overreaches…7:47 Even Environmental Groups Sue Over…9:34 Environmentalists Oppose Chemical…10:30 Why Home Composting Beats the…12:54 Policy Lawsuits as Political Resume…13:59 Why 16 Governors Banded Against…Subscribe to @reasonablenews and hit the notification bell so you don't miss the update when the ruling drops.#GavinNewsom #CaliforniaPolitics #BillionaireTaxGO PREMIUM WITH REASONABLE+ FOR UNCENSORED ACCESS

 According to the Bureau of Labor Statistics, there were 18,500 professional tailors, dressmakers and seamstresses in 2024. That’s a 30% drop from a decade before. The median age for the profession is 54, and unlike other skilled labor industries, not enough young people are filling in for those who are retiring.   What are the challenges of this work and why don’t more young people want to do it? To answer these questions and more we are joined by two professional sewists in Oregon. Stephanie Mendes is the owner of Love Stephanie Apparel and is an instructor at the Portland Fashion Institute. Mackinley James is known as the Fibrarian and is based in Portland.  

A nationwide alert has left people scratching their heads and sparked a bizarre wave of conspiracy theories. The team investigates what really happened, why the alert caused such a stir, and how quickly the internet managed to turn a simple warning into something much bigger. It's the kind of story that has everyone asking, "What's really going on?"See omnystudio.com/listener for privacy information.

Never thought we'd write that title. The Rights To Ricky Sanchez is presented by Draft KingsGet 20% off Verb Energy bars with code RTRS and the VERB starter pack at https://verbenergy.com/rickyGet 20% off any Body Bio order with the code in the podcast.Surfside Iced Tea and Vodka is the official canned cocktail of The RickyBet with DK Sportsbook: Gambling Problem? Call one eight hundred GAMBLER, one eight hundred MY RESET. Connecticut: call eight eight eight seven eight nine seven seven seven seven, visit CCPG dot org. On behalf of Boot Hill Casino in Kansas. Bet tax pass-through may apply in Illinois. Twenty one plus. Void in Canada. Event contract trading with DraftKings Predictions involves risk of loss. Availability varies. Predictions offer void in New York. Bet to get Bonus bets that expire in seven days. Trade to get Predictions Dollars that expire in one year. Fifty dollars in rewards issued every seven days via click to claim for fourteen days. One non-withdrawable reward redeemable. Nationwide based on Sportsbook, Predictions, and Free-to-Play Sports Contest availability. Varies by State. Terms at d k n g dot c o slash offer. Limited time offer. 

Nationwide attention and endorsements are flooding into Michigan as voters get ready to pick their Senate candidates Aug. 4. Why is everybody from President Trump to Bernie Sanders so interested? The path to win the Senate runs straight through this purple state, and that has Democrats battling over whether the progressive candidate Abdul El-Sayed or the more centrist U.S. Representative Haley Stevens is the right candidate to put forward. Host Adam Harris talks to Atlantic writer Russell Berman about why Michigan matters and what the outcome of this race could mean for the future of the Democratic Party and the Senate at large.  --- Get more from your favorite Atlantic voices when you subscribe. You'll enjoy unlimited access to Pulitzer-winning journalism, from clear-eyed analysis and insight on breaking news to fascinating explorations of our world. Atlantic subscribers also get access to exclusive subscriber audio in Apple Podcasts. Subscribe today at theAtlantic.com/listener. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Joyce talks about how the Democratic Socialist of America have been winning elections across the country and why this might be happening. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today – What began as two friends searching for challenging gravel roads has grown into a sold-out cycling tradition attracting riders from across the United States and beyond.Support the show: https://richlandsource.com/membersSee omnystudio.com/listener for privacy information.

Episode 5539: MAGA Nationwide Protest Over Data Centers

Volodymyr Zelenskyy has fired his commander-in-chief, Oleksandr Syrskyi, in Ukraine's biggest military shake-up in two years. Nationwide protests broke out after Zelenskyy sacked Mykhailo Fedorov as defence minister, who the Ukraine president says will now be brought back into government in a ‘prominent position'. Lucy Hough speaks to the Guardian's senior international correspondent Luke Harding – watch on YouTube. Help support our independent journalism at theguardian.com/infocus