Podcasts about National Association

The housing market in Minnesota is changing fast with hidden forces shaping it. So in this episode, Todd Urbanski unpacks the real-world impact of NIMBY (Not In My Backyard) thinking, municipal fees, and shifting neighborhood dynamics in Minnesota. Tune in for an honest conversation that brings light to today's most pressing housing challenges.   Key takeaways to listen for What's driving the current housing tension in the Twin Cities? How immigrant communities are reshaping neighborhoods Why municipal processes often slow development and how that hurts housing supply How REALTORS® can advocate for fair planning without fueling division What civic engagement looks like when it builds community   Resources mentioned in this episode National Association of REALTORS®   About Todd Urbanski A licensed REALTOR® since 1999, Todd Urbanski leverages over two decades of experience as a top sales associate, coach, and manager to provide premier residential real estate experience in the Twin Cities. Having lived in the region for over 30 years, he utilizes an extensive professional network and deep local knowledge to deliver value that extends well beyond the initial transaction. Driven by a commitment to excellence and a goal to exceed expectations, Urbanski employs proven systems and resources to minimize the stress of moving, ultimately transforming clients into lifelong advocates and friends.   Connect with Todd LinkedIn: Todd Urbanski Contact Number: 612-865-3644   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.

Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Russell Gray  1:18   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  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre. Or or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   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  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

Episode 273-Warning: Critical Gun Law Alert  Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Gun Lawyer — Episode 273 Transcript SUMMARY KEYWORDS New Jersey gun laws, accidental discharge, criminalization, reckless discharge, felony consequences, gun ownership rights, self-defense, insurance coverage, Second Amendment, gun safety, gun dealers, international disarmament, gun control, gun owner education, legal challenges. SPEAKERS Speaker 2, Evan Nappen, Teddy Nappen Evan Nappen 00:17 I’m Evan Nappen. Teddy Nappen 00:19 And I’m Teddy Nappen. Evan Nappen 00:20 And welcome to Gun Lawyer. Well, folks, the New Jersey legislature has done it again. They have passed some atrocious gun laws, and I need to make all of you aware of one, particularly, that is very much a threat. It is something that’s going to affect many, many gun owners, and it is not being talked about in the general media, of course, because of how they write these laws in such a sneaky, underhanded way. But this law is going to impact all of us, frankly. And the potential is there, under this law, to not only take away gun owners’ rights to have guns, but to turn us all into felons at any time, simply based on an accident. That’s right, an accident. Evan Nappen 01:31 Because what New Jersey legislature’s both houses have passed, and I expect, very shortly, the governor will sign, is Assembly Bill, 4976. (https://pub.njleg.gov/Bills/2024/A5000/4976_R2.PDF) And what this bill does is it criminalizes Accidental Discharges (ADs). Now, an accidental discharge is when your gun goes off, accidentally, either by what some folks call an uncommanded discharge or an accidental discharge. But it is something that can happen, and although we have to always be very careful, circumstances can be such that a mistake can be made. I mean, we’re all human, and mistakes can happen. And unfortunately, you know, I see it in the practice, and I get accidental discharge cases all the time where individuals make a mistake and a gun goes off unintended. It happens. Now sometimes it happens because of the actual mechanical flaws to a firearm and that can be because of a gun’s design. It can even be due to circumstances where a firearm can go off from the slightest touch. Evan Nappen 03:08 Now you may not be aware of this, but years and years ago, I know of a case where an individual had a shotgun that this fellow had kept loaded. One of those single shot, top-breaker type shotguns. You know, like the old kind of like the toppers, the H and R Toppers, and what have you, similar to that. It Page – 1 – of 11may even have been one. I don’t know. But it’s one of those old single shot shotguns. And for probably 50 years, that gun had remained loaded with a shell in it. At one point, there were folks that were causing all kinds of problems in this guy’s yard, and he wanted to scare them off. He didn’t want to shoot them, and he put the gun out of, pointed the gun out the window, and boom. It went off, and he never pulled the trigger. He absolutely never pulled the trigger. There was no hit to the primer of the shell when it went off. And what has happened was, in this particular design of the gun, the firing pin had been pushing against the primer because the hammer was down and it didn’t have a firing pin block. And for like 50 years, this gun sat there, sensitizing the primer so that the slightest touch, you know, just the right jolt, without having to actually pull the trigger, made it go off. So, a gun can actually even do that under those extraordinary circumstances. Evan Nappen 04:57 But normally, an accidental discharge or uncommanded discharge that we encounter is because somebody believed, honestly believed, their gun was unloaded. And it ends up, of course, that it wasn’t. Now this can happen because somebody thought they checked it and maybe even did check. But then, with a magazine in and the slide going forward, a round loads, but they didn’t realize that it loaded, because they checked that it was unloaded. And sure enough, there’s a round there. I mean, I’ve seen every combination of error that could happen and a discharge can occur. And, of course, we know the rules, always point in a safe direction, etc. Make sure your gun is unloaded. Double, triple check to make sure that the chamber is empty. That there’s no magazine, and there’s no live ammo. I mean, all those things that we do. But accidents can happen, just like in a motor vehicle. We drive as safe as we possibly can, but people still have accidents. And what New Jersey has done in this bill is essentially criminalize an accident so that individuals will be looking at what is, in all likelihood, felony level charges. And they structured this bill in just a sneaky, evil, devious way. It’s going to have great impact, and it’s going to create, I think, unintended consequences. Evan Nappen 06:40 Now, as gun owners, we have to understand how we have to behave if any of us ever are so unfortunate as to have an uncommanded or accidental discharge. So, the law talks about “recklessly” having a discharge. “Reckless” in criminal law means, you know, with a conscious disregard of a known risk, okay? Criminal laws can have recklessly or reckless as a standard, as opposed to something being intentional, right? So, if you intentionally meant to pull the trigger, that’s intentional. Reckless could still be you didn’t intend to do it. But if there was that conscious disregard of that known risk and it ended up discharged, then you could argue that it’s reckless. So, reckless is kind of a standard where it’s not that traditional mens rea, your mental and your mental state of having that intention to have the gun fire. Reckless has been in our criminal law for a long time, and reckless conduct is something that’s out there, like reckless driving. I’m sure that you have heard of that. Evan Nappen 08:05 But what they’re doing here is even more devious by using the word “reckless”. So, what now is being prohibited? And I’m going to read this to you so you can see how they’ve done this. It says, a person commits a disorderly person’s offense. Now that sounds like, okay. A disorderly persons offense in New Jersey is equivalent to a misdemeanor. It’s not a felony. So, you’re saying, well, first of all, this is not creating a felony. It’s creating a disorderly persons offense, right? It sounds like it’s, you know, Page – 2 – of 11apparently, trying to be reasonable. But trust me, folks, it isn’t. I’m going to show you why. “A person commits a disorderly persons offense by recklessly discharging a firearm.” Okay, so at this point they’re saying, well, it’s just a low level offense, and it’s for recklessly discharge. You know, we’ve conscientiously disregarded a known risk. Okay, so it started out sounding, you know, not great, but okay. It’s not. It shouldn’t affect a lot of folks, and luckily, if it does, it’s still a misdemeanor. And, of course, it requires that recklessness. So, that sounds all good. Evan Nappen 09:22 Let me start again and read you, but wait until you hear the rest of it. A person commits a disorderly persons offense by recklessly discharging a firearm “using live ammunition rounds”. Well, okay, that’s good to know. A blank gun isn’t a reckless discharge, but you know you’re firing a blank. No live ammo. Okay. So, if I’m firing dead ammo or ammo that’s not live, then that’s not a reckless discharge. Well, good. How do I get a discharge with ammo that’s not live? I don’t know how that’s even going to happen. But okay, they throw that in, probably more as subterfuge and, you know, smoke and mirrors. But again, here we go. “A person commits a disorderly persons offense by recklessly discharging a firearm using live ammunition rounds unlawfully . . .” Okay, unlawfully. So, you’re unlawful. “. . . or without a lawful purpose.” Whoops, wait a minute. “Without a lawful purpose.” You commit a disorderly persons offense by recklessly discharging a firearm without lawful purpose. Evan Nappen 10:35 Except that a second conviction for such an offense constitutes a crime of the fourth degree. Well, a crime is a felony, and that’s a fourth degree. It’s a year and a half in jail. And a third or subsequent conviction is a third degree and that’s five years in State Prison. Okay. So, you may even read this part and say, well, it’s still arguably, weirdly reckless, maybe. But it’s for discharging a firearm without lawful purpose, but at least it’s a disorderly persons offense. And I, boy, if we do it once, I sure wouldn’t think I’d do it again. So, why is this such a problem, you know. Evan Nappen 11:09 But oh, well, wait, wait, wait. We’re not done yet. Because then it says, if a person commits a violation under this section, you’re charged with a crime one degree higher than what ordinarily would be charged for such an offense when the violation occurs within 100 yards, 100 yards, folks. Not 100 feet. A football field’s worth of distance of an occupied structure. Oh, what’s an occupied structure? Any building, room, ship, vessel, car, vehicle, or airplane, or a place adopted for overnight accommodations of persons or for carrying on business therein. Wait a minute, wait a minute. Wait a minute! An occupied structure includes a car or vehicle, and it doesn’t even mean it has to be occupied. It means even a vehicle or a building or a room, and it has to be within 100 yards, a football field, of a car. If there’s a car driving by within 100 yards where the accidental discharge takes place. If you’re in your own home? I mean, this is basically every accidental discharge. You will probably be within 100 yards of a car or a building or a room, or hotel or whatever, or an airplane. Man, even if the airplane is flying over the sky, I don’t know. I mean, this is nuts. Evan Nappen 12:55 So, if the violation occurs within 100 yards of a “structure”, guess what? It’s no longer that disorderly persons offense. It’s bumped instantly to the fourth degree, felony level offense. Up to a year and a half Page – 3 – of 11in State Prison, and now you’re going to be a convicted felon. That’s if your gun discharged for not having, without a lawful purpose. Oh, you mean like an accident? Yeah! Like an accident. An accident because you didn’t have a lawful purpose. Did you lawfully have a purposeful accident? No, that’s silliness in a nutshell. So, what it means now is essentially any accidental discharge is a felony in New Jersey, and you can face State Prison time of at least a year and a half, unless it’s going to be enhanced even more based on these other factors. And as a felon, you lose your gun rights for the entire United States. Evan Nappen 14:12 And even if it’s kept at the misdemeanor, a so-called disorderly persons level, they’re still going to go after your gun license and your gun rights. They’ll claim, under Chapter 58-3 of the licensing law, that you’re somehow a danger to public health, safety, welfare. You think if you’re going to have a criminal charge, a criminal offense charged here of accidental discharge, where they’re classifying it as reckless because it went for a “an unlawful purpose”. Like I said, I don’t know how you have a lawful purpose accident. And it was somehow within 100 yards of any car or room, which made it originally a felony even, right? Felony level in New Jersey. You’re getting your license and your guns confiscated and taken and face prosecution over this insane law. Evan Nappen 15:17 Now, this is the consequences of this bill, right? But that’s just the consequences in the law itself, like the penalty you may face and licensing problems. But what it also means is that upon any accidental discharge, folks, any, you immediately, now, immediately, have a Fifth Amendment right against self- incrimination, and you’re going to have to stand by that. Because I know in many of the cases we’ve seen, someone had an accidental discharge, and it may have gone through their wall. It may have gone to a neighbor’s house. It may have not whatever. But if you react, if you call the police, if you try to find out what happened, any type, you’re getting criminally charged. You have a right to say nothing. You have an absolute right, a Fifth Amendment right to remain silent, because you will end up incriminating yourself. This is going to mean that any New Jersey gun owner who has an AD or an uncommanded accidental discharge needs to immediately take the Fifth and seek counsel, the Sixth Amendment. Just call your attorney and don’t say anything to anyone. Do not make any statements to law enforcement or anybody. And, you know, this is a shame. Because what if that round actually caused injury to somebody? Teddy Nappen 16:59 Actually take it a step further. Evan Nappen 17:01 Think about it. You’re gonna incriminate yourself. You gotta absolutely. Go ahead, Teddy. Teddy Nappen 17:07 Take it a step further. Imagine instead of “gun”, this was “car”. I asked. I was in. I got into a car accident. So, therefore, all car accidents are felonies, where there is nowhere. Were you back? Were you 100 feet from your driveway? Was there a car driving by? Did you back into that car? Felony! You are now a felon because of that. And don’t tell me it’s the firearm versus the car! Because the car is a Page – 4 – of 11two ton steel death machine that kills more people than firearms do. So, it’s that level of argument, the utter draconian insanity that they have created here. Where from an accident, an actual accident, God forbid. Evan Nappen 17:54 An accident. That is right. Teddy Nappen 17:56 You are guilty until proven innocent. Evan Nappen 17:59 And wait. Let me say this. This has been put out there as a possible problem for self-defenders. And that’s actually not completely accurate, because there’s an exemption here that says it’s an affirmative defense, if you fired your gun in self-defense. Okay. Affirmative defense means the burden is on you to prove that you acted in self-defense. Then they’ll say, okay, that wasn’t a reckless discharge. But even the fact that the legislature has to put in there that if you act in self-defense, it’s an affirmative defense. Well, wait a minute. Why is it an affirmative defense? Because it wouldn’t have been reckless if it was intentional. Why do we even need that? So, in other words, the legislature itself knows that they’ve manipulated this law to simply be discharge for unlawful purpose, period. If you didn’t have a lawful purpose when your gun went off, it’s felony level if it’s within 100 yards of a car, or a room, or a building. Insanity. Evan Nappen 19:05 And as you say, Teddy, it would be like making every car accident, any fender bender that you have, you become charged with a felony. New Jersey has done that to gun owners now. Any accident, any accidental discharge, you’re going to face these criminal charges. This is going to, you’re going to end up in the system. If you have an AD, you’re getting charged. And now we’re going to have to fight this out on an offense that is essentially strict liability. That is the way they’ve set it up. Couching it and hiding it under so-called reckless, recklessly. But when they actually write it, they put the recklessly with the little bonus of having “without a lawful purpose”. This is nuts. Nuts. Nuts. Evan Nappen 19:58 I’m telling you right now the cases we get, it’s going to be crazy, crazy and a problem. So, folks, be extra careful. This is bad news. It has passed both houses, and the Governor, I’m sure, will sign it very shortly, if he hasn’t signed it already. And now gun owners are at extreme risk under this law. Teddy Nappen 20:24 I just thought of another one, too. What if you’re a first time shooter and you go to a range course, you’re in a range, a gun range learning, and the gun accidentally goes off because you’re brand new to firearms? You’re now a convicted felon. No discretion. Evan Nappen 20:44 Oh, well. It was near a room. That’s right, no discretion, and anybody that has that AD. So, again, it’s designed to disenfranchise gun owners of Second Amendment rights. And by the way, you may not be Page – 5 – of 11able to then get even insurance coverage. Because if it’s criminalized over what you did, it’s not anymore. Now, you’re talking about behavior where they can claim it’s a criminal act. It’s a criminal act, okay? And again, you may depending on your policy, depending on what actually the injuries and damage, you may not even have coverage. The insurance companies will use it to deny you coverage. I’m sure of that. That’s their job, as it normally is, anyway. To try to figure out how to deny coverage. Well, they’ve just given them that ability on the civil side to further make it harder for you. It’s jeopardizing gun rights, and it’s looking at creating incarceration at felony level for gun owners. It’s outrageous, and it really is something that I’m sure we’re going to see major, major impact. And then that’s not the only fun. Go ahead, Teddy. Teddy Nappen 22:04 I was just curious on the constitutionality of it? Because they’ve made, there must be some avenue. Because it’s very, like they’re giving no discretion? And just saying. Evan Nappen 22:16 Nope. Teddy Nappen 22:16 It’s automatic. There’s no constitutional challenge. Evan Nappen 22:20 Well, I guess there could always be a constitutional challenge. But what’s going to happen is it’s going to have to be the fight. The real fight is going to be over, maybe an argument of, was there a conscious, conscientious disregard, or conscious disregard of a known risk. But the other side will argue that as soon as you have a gun with ammo, you have a known risk. I mean, a firearm, and that’s their entire anti-Second Amendment strategy. Teddy Nappen 22:43 When you deal with guns, you do so at your peril. Evan Nappen 22:53 Right! And that’s New Jersey case law, right there. So, they’re saying, hey, you do it at your peril. You took a known risk because you possessed a gun, even. You can well see a New Jersey jury buying that argument. This is nuts, and gun owners, beware, beware, beware, beware. And like I said, this isn’t the only shenanigan that occurred in Trenton. They also signed S1425. (https://pub.njleg.gov/Bills/2024/S1500/1425_R1.PDF) Now, this is actually law. This law, real quick, specifically applies just to dealers. Just to New Jersey dealers. How nice. They have their own very special law now. This law says, “A licensed dealer who sells or transfers a firearm to a person when the dealer knows or reasonably should know that person intends to sell, transfer, assign, or otherwise dispose of that firearm to a person who is disqualified from possessing a firearm under State or federal law is guilty of a crime of the second degree.” That means up to 10 years in State Prison. They have a minimum mandatory period of three and a half years, and they made it a second degree. This is insane. Page – 6 – of 11Evan Nappen 24:03 If you’re a dealer in New Jersey, they can claim that you reasonably should have known that a gun you transferred to somebody was going to be transferred to somebody who was disqualified from possessing. Let me give you an example. You sell a Red Rider BB gun. That’s a firearm under New Jersey law. And if you reasonably should have known that that person was going to let their kid have that BB gun, you’re looking at a second degree charge here, Dealers. Yeah for that BB gun. Because as long as the state can show you reasonably should know that, that the person intended to transfer it to someone who was disqualified, who would be arguably that minor, unless it’s under a strict exemption. I mean, this is the kind of pathways being cut here. How do you know or reasonably should know? What is that reasonably should have known nonsense? Evan Nappen 25:03 I mean, that’s again, 12 people on a jury are the ones who’s going to decide whether reasonably you should know. All the law says, “. . . ‘reasonably should know’ means that a person reasonably should know a fact when, under the circumstances, a person of reasonable prudence and competence would ascertain or know that fact.” Oh, that’s a that’s so crystal clear. Huh? Real, crystal clear. Now what it means is 12 people who aren’t smart enough to avoid jury duty are going to decide whether the dealer should have known on that gun sale. And if they decide otherwise, the dealer is looking at a minimum mandatory sentence on a second degree crime, which carries up to 10 years in State Prison. Okay? That’s what they’re doing. Focused on New Jersey dealers. Do you think they want to put every dealer in New Jersey out of business? I do. And that’s the other bonus law that’s actually signed into law. It’s ripe for abuse, folks. Beware. It is just atrocious what’s going on in New Jersey. Evan Nappen 26:07 Let me tell you about our fight. You know, we are in this fight. We constantly, we’ve tried to fight these things. New Jersey is an extremely tough environment. We’re going to see court challenges, even more court challenges, and it’s our state Association that’s going to be heading the fight. I’m sure we’re going to see a constitutional challenge to this so-called Accidental Discharge bill and the same over what they’re looking to do to dealers. And it’s ANJRPC, the Association of New Jersey Rifle & Pistol Clubs at the forefront, fighting for our rights. They’re the umbrella organization of gun clubs in New Jersey, and you can join as an individual member. You really need to. You’ll be sent email alerts, and you’ll be told what’s going on. And you know, we’re able to get changes made with pressure, but most importantly, our salvation seems to be in the judicial fight in the courts. The Association is there as we speak. This is an extremely tough environment in New Jersey, the toughest in America, where the oppression of Second Amendment rights is second to none. New Jersey wins the prize for Second Amendment oppression, and it’s the Association there at the forefront. You need to be a member. Go to anjrpc.org and join today. Be part of the solution. It’s really important that you do that. Evan Nappen 27:43 I’d also like to talk about our good friends at WeShoot. WeShoot is an indoor range in Lakewood, easily accessible, off the Parkway. It’s where Teddy and I both shoot, and we both qualified. It’s where we got our CCARE and where we get our training. We love WeShoot. That’s the place to shoot. It’s a place you can shoot. They have a wonderful facility, a great pro shop, and great instructors. You’ve got to check out their website, magnificent photography there. And they run all kinds of great deals and Page – 7 – of 11specials, and they have all the top state of the art equipment. Check out weshootusa.com. weshootusa.com. You’ll be glad you did. It is a great resource for us to have a range right there in Central New Jersey that is as professional and modern as WeShoot. Go to weshootusa.com and check them out. You will be thrilled, just like Teddy and I. Well, that’s where we shoot. It’s what we love. You’ll love it too. Evan Nappen 29:00 Let me also mention my book, New Jersey Gun Law. It’s the Bible of New Jersey gun law. I’m working on the update from what I just told you today. So, the free update will be coming out, including the 2026 Comprehensive Update. We’re going to look at and add in all the new laws that’ll be coming out shortly. So, if you have the book, make sure you scan the QR cover. The QR code on the cover. Join my free private subscriber base, and you’ll get notice of the updates that are forthcoming. You can buy the book at EvanNappen.com. That’s right, www.EvanNappen.com. Go to EvanNappen.com and get the big orange book today. You’ll be glad you did. It’s over 500 pages, 120 topics, all Question and Answer, designed to make it as user friendly as possible. I try to make it so you can navigate these treacherous waters of Second Amendment oppression in New Jersey. So, go to EvanNappen.com and get your book. Teddy, what do you have for us today in Press Checks? Teddy Nappen 30:15 Well, as you know, Press Checks are always free. While you’re talking about the utter insanity that is New Jersey, there’s one positive bit of news. It’s kind of been, you know, from the entire news cycle of everything they try to cover. There’s one thing that kind of slipped under the cracks that some people did pick up on. And it caught my eye. I was like, wait a second, I remember this. So, President Trump has withdrawn from the UN Register of Conventional Arms. (https://gunrights.org/united-states- withdraws-from-united-nations-register-of-conventional-arms/) That treaty. Now, I remember growing up as a kid, Dad, you told me, always keep an eye out if there are blue helmets walking down the street. Evan Nappen 31:01 Yeah, that’s right, that blue helmet day came, if that ever was to come. Yep. Teddy Nappen 31:08 And oh, I remember you telling me about that treaty. And you know that stupid, you know, the UN has always been an anti-gun organization, with that stupid, bent revolver they have. Evan Nappen 31:20 Yeah, the revolver with a barrel and a pretzel knot. (https://dam.media.un.org/archive/Gift-of- Luxembourg-to-the-United-Nations-2AM9LOQORWK.html) I mean, look at folks. It’s a revolver, by the way. It’s not an AK, you know. It’s not an AR. It’s not in an “assault firearm”. No, no. It’s a freaking revolver with a barrel in a pretzel knot there. Gee, who are the primary possessors of revolvers? I wonder. Is that paramilitary organizations? No. Terrorist, radicalized wackos? No. A revolver. Let me see. Oh, you mean, like average citizens? Wow, hmm. Interesting. Page – 8 – of 11Teddy Nappen 32:02 But what I remember that being back, you know, where this was a big fear. Where it was the giant arms treaty, where they were trying, I think it wasn’t ratified by Obama, but that was that insane policy to try, even. The UN even actually has an Office of Disarmament. (https://disarmament.unoda.org/en/our- work/conventional-arms/legal-instruments/arms-trade-treaty) That’s actually their whole like deal. What they try to push for. Now, they cloak it in like militarily. If you actually go to the website, this was from the gunrights.org. (https://gunrights.org/united-states-withdraws-from-united-nations-register-of- conventional-arms/) The National Association of Gun Rights put out the article, and they provide the link where you can go on to the UN website. You can see their register of their whole charter on the UN, and it goes into they brag about it. We’ve recorded and captured 90% of the global arms trade. By the way, this was supposed to be about, you know, tanks, armored carriers. You know, stuff used in actual, like, large scale warfare. But then I love how they do this. In 2016 they adopted the international small arms and light weapons in parallel with the other seven categories, so we can keep track of all small arms. Hmm, 2016. What were they doing to try, what was the big anti-gun push to try to disarm us around that time? Thinking that they’re going to try to go around collecting our arms in the United States. Like it’s so disgusting. I love how they just cloak it. You actually can go on to their reports. I got bored. So, I clicked the arms report of 2023 and I was like, okay, armored carriers, all that . Small arms. I wanted to look and see who were like the top buyers. So, revolvers and self-loading pistols – Iraq. Apparently. Evan Nappen 33:57 Really? Teddy Nappen 33:58 Yeah, like 2,150 pistols from us to Iraq. Evan Nappen 34:03 Oh, from the U.S.? Teddy Nappen 34:05 Yeah, from the U.S. It keeps track of each country. Evan Nappen 34:07 Well, we’re making them. Teddy Nappen 34:09 Yeah. Evan Nappen 34:09 Of course. We’re a major industrial manufacturer. What we should be doing is making guns. Teddy Nappen 34:14 Yeah. And then rifles and carbines. They separate that from “assault firearms”. Rifles and carbines. 20,000 to Israel. So, there you go for that end. Page – 9 – of 11Evan Nappen 34:27 Yeah, Israel makes a lot of their own weapons, too, and they make really good ones. Teddy Nappen 34:32 Yeah, I know they have the Hebrew hammer. Evan Nappen 34:35 Oh, yeah! Teddy Nappen 34:35 The Tabor X95. (https://iwi.us/firearms/tavor-x95/) But with the sub-machine guns, Saudi Arabia, 550. Evan Nappen 34:41 This doesn’t even matter. This is so absurd, and it’s just trying to globalize Second Amendment oppression. You know, our country’s blessed with Second Amendment. And of course, New Jersey does everything it can to undermine it, but the majority of America doesn’t do that. But internationally, we, you know, they hate us. They hate our Constitution, and they want to see us disarmed. We are standing as a threat to their globalist intentions, right? Teddy Nappen 35:21 I mean, that was the famous line that Donald Trump said to the world. The world does not belong to globalists. And that’s a fact. And here, in their charter, they even say, such measures, as they’re describing the whole disarmament office, such measures can also encourage restraint in the transfer and production of armament and decelerate military build up. In words of, okay, we need to lower the amount of guns in the world and try to disarm the people. That’s the cover they run, but they dress it up. I will give the Left credit. Their ability to wordsmith their way into something else is crazy. Evan Nappen 36:06 Well, listen, man. It’s not every political group that can convince people, you know, that a man can be a woman. So, why can’t they convince the world about this with guns? Right? Teddy Nappen 36:17 Well, it’s the political group that has the. When they did the whole study on mental health of different groups, the vast majority of people that vote Democrat have mental illness. So, let that sink in. That was an actual study, and that was put out by, like, CNN! So. Evan Nappen 36:18 Really? Teddy Nappen 36:19 Yeah, they had to be like. No, I love it. If you are ever bored? Anyone who’s very bored, go on to CNN and catch Harry Enton, the statistics guy. He’s the golden retriever of CNN. He just talks about numbers, and he gets so excited. He’s like, oh my God, have you seen these numbers? I can’t believe Page – 10 – of 11it. He’s always, like, shocked every time. He sees like, you know, everyone keeps saying Trump’s numbers are going bad, but you go over to here. Six months ago, 84, and now, it’s 85. Oh, wow, amazing. Like, it’s just, it’s that energy. It’s crazy. Evan Nappen 37:13 Well, how old is he? Maybe he’s just trying to get excitement to statistics? Teddy Nappen 37:18 I know, but it’s just like, what are the numbers? Pretty good. He’s like, gad Zooks. He’s like, clapping. I know. It’s just like, what the heck is it? Like if anyone is bored? Just look up Harry Enten on CNN. He’s, it’s so fucking weird. Evan Nappen 37:37 Okay, I love it. All right, Teddy. Well, that is interesting to know, but I’m not surprised, not surprised at all. This is the moment, the moment when we discuss the GOFU, that is the Gun Owner Fuck Up. It is one of the most important aspects of what we do, because every day we deal with Gun Owner Fuck Ups. And when we can let the listeners know, you get to learn expensive lessons for free. And this week’s GOFU is real simple. It’s Accidental Discharge. Let me just make it real clear. Now, more than ever, more than ever, you’ve got to be extremely overly conscientious. You better triple check chambers. You’ve got to make sure. You cannot afford in any way to have any kind of Accidental Discharge in New Jersey, because you risk it all. You risk it all. You risk becoming a felon. You risk going to prison. You risk losing your gun rights for the entire United States. You risk not being covered, arguably, by insurance. It is an insane risk that New Jersey is imposing, and I’ve seen 80 cases throughout my entire practice. Unfortunately, they happen, and, you know, in hindsight, they’re all avoidable. But folks don’t be a GOFU. Please, please, please. Follow all the rules of safety, and make sure you treat every gun as loaded. Every gun, you treat as loaded. Do not for a second, not do that. It’s just that critical. They’re criminalizing those who make a simple mistake, and there is no tolerance. Evan Nappen 40:00 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 40:13 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Page – 11 – of 11 Downloadable PDF TranscriptGun Lawyer S5 E273_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1936: Jen Hayes challenges the polarizing debate around unpaid internships, spotlighting how privilege, not entitlement, often determines who can afford to work for free. She encourages a more nuanced conversation, urging society to address systemic inequities rather than shaming young professionals for seeking fair compensation. Read along with the original article(s) here: https://www.jenhayes.me/unpaid-internships-learning-opportunities-or-a-legal-form-of-slavery/ Quotes to ponder: "Someone who comes from a rich family can afford to be an intern. Students who grow up in poverty don't have this luxury." "Let's stop attacking each other and work together instead." "Unpaid internships do allow students and recent graduates to gain work experience which helps them get a 'foot in the door'." Episode references: National Association of Colleges and Employers (NACE) internship data: https://www.naceweb.org/job-market/internships/ Fair Labor Standards Act Internship Guidelines: https://www.dol.gov/agencies/whd/fact-sheets/71-flsa-internships  

Washington, DC, January 16, 2026 —This month's podcast episode from the National Association of County and City Health Officials (NACCHO) includes discussion of significant changes to the U.S. childhood vaccine schedule, announced on January 5 by the Department of Health and Human Services (HHS). NACCHO issued a joint statement opposed to the change, and published an analysis about what this means for local public health practice. The episode also includes updates on the Rural Health Transformation Program and the status of FY26 federal funding negotiations. For weekly updates, subscribe to NACCHO's News from Washington newsletter: www.naccho.org/advocacy/news.   Later in the program (6:00), Dr. Michael Kilkenny, NACCHO Immediate Past President and Chief Executive Officer and Health Officer for Cabell-Huntington Health Department, discusses how his department is navigating the many changes occurring in public health and offers advice to public health leaders on how to thrive in 2026. Dr. Kilkenny shared that, despite losing funding for their syringe services program in 2025, Cabell-Huntington Health Department remains committed in providing overdose prevention services.   As the 2026 Preparedness Summit approaches in April, Dr. Kilkenny emphasized that emergency preparedness and response start at the local level. At the Cabell-Huntington Health Department, officials are focusing on recruitment and capacity building within their Medical Reserve Corps and are excited to bring responders and community leaders together to discuss efforts to address key public health concerns.   ###   About NACCHO The National Association of County and City Health Officials (NACCHO) represents the over 3,300 local governmental health departments across the country. These city, county, metropolitan, district, and tribal departments work every day to protect and promote health and well-being for all people in their communities. For more information, visit www.naccho.org.

Share your Field Stories!Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! On today's episode, we talk with Lauren Watkins, environmental psychologist, working at the intersection of people and environmental challenges about Using Psychology to Solve Environmental Problems, Working Directly with Communities, and Managing Conflict and Tough Conversation.   Read her full bio below.Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Showtimes: 1:55 - EPR is hiring!5:15 - EPRs New Yearly Goals9:14 - Interview with Lauren Watkins Starts19:15 - Opportunities outside Academia26:12 - Behavior Change CampaignPlease be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Connect with Lauren Watkins at https://www.linkedin.com/in/laurenwatkins/Guest Bio: Currently supporting organizations such as the Jane Goodall Institute, Keeping Forests, Ecochallenge.org, and the Pan African Sanctuary Alliance, Lauren Watkins brings over a decade of experience in environmental psychology and social science research to inspire sustainable behavior change. As Principal Owner of her consultancy, Lauren specializes in co-creating solutions alongside communities, employing empathetic research methods, and crafting tailored communication and change strategies with communities and target audiences - not simply for them. Her work emphasizes ethical and sustainable approaches to addressing environmental challenges, ensuring that initiatives resonate deeply with stakeholders. Passionate about fostering impactful change, Lauren focuses on bridging the gap between people and natural ecosystems to find solutions that match the scale of today's problems.Music CreditsIntro: Givin Me Eyes by Grace MesaOutro: Never Ending Soul Groove by Mattijs MullerSupport the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players.

Brandon Wylie, who was inducted into the International Lineman Hall of Fame in 2023, is the guest for Part 2 of our Hall of Famers series. He has more than 27 years of experience in the power line industry and currently serves as a regional director of training for Quanta Services in the Southeast. In this role, he leads workforce development, safety and leadership training initiatives across multiple operating companies. Before joining Quanta, he served as vice president of apprenticeships with Northwest Lineman College (NLC) and director of training and safety at Electric Cities of Georgia, where he spent more than 15 years designing and leading training programs for lineworkers and safety professionals. He has served as a chair of the APPA Safety Committee, vice chair of the National Association of Journeyman Linemen and a board member of the International Lineman's Museum and Hall of Fame. He's a certified utility safety professional, and he's proud to be a second-generation lineman. He's also the writer of "Highline Cowboy," a song inspired by his life as a lineman that was later featured in "Storm Soldiers" and "Life on the Line," starring John Travolta. Listen to this episode to hear the excerpt of the song and learn about his life and career in the line trade. Also, tune in to Part 1 of this series featuring Robert Padgett, who retired from Lakeland Electric before starting Padgett Poleline. 

"Arise! Shine, for your light has come, the glory of the Lord has dawned upon you. Though darkness covers the earth, and thick clouds, the peoples, upon you the Lord will dawn, and over you his glory will be seen.” - Isaiah 60:1-2    Submit a Podcast Listener Question HERE!    Podcasts by Series  Level One Book Study  Level Two Book Study    We're kicking off Season 6! With an overarching theme of the Second Plane Child, we're especially excited to welcome Anna Hurdle as our co-host this season.  Anna Hurdle is a catechist and formation leader at levels I, II and III. She is a retired elementary Montessori guide and coordinator of CGS at her parish in Charlotte, NC. Anna serves the National Association through the Episcopal Committee and the Formation Advisory Council.    Link to Maria Montessori's Speech from January 6, 1942    Books you might be interested in:  The Religious Potential of the Child 6 to 12 Year Olds  History of the Kingdom of God Part 1: Creation to Parouisa  History of the Kingdom of God Part 2: Liturgy and the Building of the Kingdom  Life in the Vine: The Joyful Journey Continues    Podcast Episodes you might be interested in:    Episode 28- Montessori's Epiphany with Sherry Mock      BECOME A CGSUSA MEMBER          AUDIOBOOK:    Audiobook – Now Available on Audible  CGSUSA is excited to offer you the audio version of The Religious Potential of the Child – 3rd Edition by Sofia Cavalletti, read by Rebekah Rojcewicz!  The Religious Potential of the Child is not a “how-to” book, complete with lesson plans and material ideas. Instead it offers a glimpse into the religious life of the atrium, a specially prepared place for children to live out their silent request: “Help me come closer to God by myself.” Here we can see the child's spiritual capabilities and perhaps even find in our own souls the child long burdened with religious information. This book serves as a companion to the second volume, The Religious Potential of the Child 6 to 12 Years Old. The desire to have this essential text available in audio has been a long-held goal for many. The work of many hands has combined to bring this release to life as an audiobook.    Find out more about CGS:       Learn more about the Catechesis of the Good Shepherd     Follow us on Social Media-  Facebook at “The United States Association of the Catechesis of the Good Shepherd”  Instagram-  cgsusa  Twitter- @cgsusa  Pinterest- Natl Assoc of Catechesis of the Good Shepherd USA  YouTube- catechesisofthegoodshepherd 

A recent decision by the U.S. Treasury Department is a major win for tribes. For the first time, tribes are on the same level as states when it comes to determining how tribal services are taxed. Advocates call the decision “historic” and say it is a significant breakthrough in tribal sovereignty. Not only will it allow tribes to keep hundreds of millions of dollars more per year, it removes the tax filing hassle for small contractors who work with tribes. We'll hear about the decade-long push to change what is called the General Welfare Exclusion and what it means for tribal economic development. GUESTS Chief Lynn Malerba (Mohegan), Former U.S. Treasurer Lt. Gov. Hershel Gorham (Cheyenne and Arapaho) OJ Semans Sr. (Rosebud Sioux), co-executive director of Four Directions Vote Scott Skaro (Standing Rock Sioux), board member of the National Association of Student Financial Aid Administrators and the financial aid director for United Tribes Technical College Break 1 Music: C.R.E.A.M. [Instrumental] (song) Wu-Tang Clan (artist) Enter the Wu-Tang: 36 Chambers [Instrumentals] (album) Break 2 Music: Vipismal – The Hummingbird Song (song) Earl Ray (artist) Traditional Songs Of The Salt River Pima (album)

October 13, 2008: behind closed doors in Washington, the U.S. government forces Wall Street's biggest banks to take rescue money—no opt-outs, no stigma, no time for debate. What follows isn't just a bailout. It's a quiet rewrite of capitalism: stabilize the banks first, let homeowners and workers fight for air.Dimitrius Lynch traces how the TARP bailout, near-zero interest rates, and weak homeowner relief accelerated a new housing order—one where asset prices recover faster than wages, and where homes shift from shelter to portfolio. As the National Association of Realtors pushes demand-side subsidies like the $8,000 first-time homebuyer tax credit, foreclosure prevention tools like principal reduction are resisted—protecting values over people.Then comes the next extraction layer: Airbnb's normalization of housing as income strategy, followed by private equity and corporate landlords turning foreclosed homes into rentals at scale. Blackstone and Invitation Homes pioneer the machine—buy in bulk, rent to the displaced, then bundle single-family rentals into securities. Meanwhile, policy capture tightens: carried interest survives, lobbying culture “owns” offices, and Citizens United floods politics with corporate money—reshaping who writes the rules of housing, finance, and democracy itself.This episode is a documentary-style timeline of how the middle class gets eaten—not by accident, but by incentives, institutions, and a politics increasingly engineered for capital. The crash wasn't the end. It was a blueprint for a new future and purpose for housing.Episode Extras - Photos, videos, sources and links to additional content found during research.Episode Credits:Production in collaboration with Gābl MediaWritten & Executive Produced by Dimitrius LynchAudio Engineering and Sound Design by Jeff Alvarez

This episode is a special re-release of the most-watched Please Me Podcast episode of 2025—an award-winning conversation recognized with the Latin Podcast Award for Best LGBTQ+ Podcast. Its message remains powerful, relevant, and deeply impactful, which is why we're bringing it back for continued listening and reflection. In this meaningful episode, Eve reflects on LGBTQ+ advocacy, the power of visibility, and the importance of community—drawing inspiration from experiencing World Pride while in Washington, D.C. during the National Association of Women Business Owners (NAWBO) 50th Anniversary Conference. That intersection of global celebration and policy-centered advocacy sparked a deeper conversation around representation, accountability, and collective action. This episode honors the resilience, brilliance, and humanity of LGBTQ+ voices while addressing the ongoing social and legislative challenges impacting the community today. This episode is dedicated to our trans and non-binary friends in the LGBTQ+ community, whose lives, leadership, and lived experiences deserve visibility, protection, and amplification. Connect With Eve Website:https://pleaseme.online Social Media & Contact:https://pleaseme.online/contacts Substack Newsletter (Exclusive Content & Updates):https://pleaseme.substack.com Patreon (Ad-Free Episodes & Bonus Content):https://patreon.com/PleaseMePodcast Be a Guest on Please Me:Apply via PodMatchhttps://www.podmatch.com/hostdetailpreview/beaguestonpleasemepodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special on-location recording at the National Association for Gifted Children (NAGC) Conference in Pittsburgh, Pennsylvania, hosts Dr. Matthew Worwood and Dr. Cyndi Burnett sit down with Sarah Caroleo, Ph.D. to explore the powerful role of professional learning in advancing gifted education. Together, they unpack how thoughtfully designed professional learning (PL) can elevate teacher practice, strengthen advanced learning opportunities, and help close long-standing excellence gaps within schools and districts. About the Guest  Sarah Caroleo is a Postdoctoral Research Associate at the Annenberg Institute, Brown University. She researches professional learning in gifted education, sharing evidence-based strategies to help teachers support high-potential students and close excellence gaps.   Be sure to subscribe on your favorite platform and sign up for our Extra Fuel newsletter for more resources and inspiration. Visit FuelingCreativityPodcast.com for more information or email us at questions@fuelingcreativitypodcast.com.

Rommie Duckworth, member of the National Association of Emergency Medical Technicians board of directors, joins us to discuss the value of volunteer first aid response teams at work. We also review content from the January issue of Safety+Health.

Rommie Duckworth, member of the National Association of Emergency Medical Technicians board of directors, joins us to discuss the value of volunteer first aid response teams at work. We also review content from the January issue of Safety+Health.

Dr. Cynthia Rapaido, a highly accomplished educator, holds an Ed.D. in International and Multicultural Education and an M.A. in Educational Administration from the University of San Francisco. She earned her B.S. in Applied Arts and Sciences Biology from San Diego State University. With over 30 years of experience in K–12 education, she has served as a high school principal, assistant principal, and teacher, gaining a comprehensive understanding of the educational landscape across various schools and districts in California.Dr. Rapaido's dedication extends to higher education, where she has contributed significantly as a faculty lecturer, dissertation advisor, and university field supervisor at esteemed institutions such as the University of California, Berkeley, University of San Francisco, and California State University, East Bay. Her passion for teaching, mentoring, and coaching educators is evident in her continuing role as an educational leadership coach and consultant. She also mentors graduate and doctoral students at her alma maters.Often actively engaged in research, Dr. Rapaido participates in academic peer review panels and presents her work at conferences, covering diverse topics within education and leadership. Her research interests include educational leadership, teacher education, school climate, diversity sensitivity, multicultural competency, social justice, emotional intelligence, and the impact of colonialism and imperialism.Dr. Rapaido was honored by the Filipina Women's Network (FWN) in 2011 as one of "100 Most Influential Filipina Women in the United States". She was commended by the Association of California School Administrators (ACSA) and received the "2013 California Secondary Co-Administrator of the Year" award. The following year, the National Association of Secondary School Principals (NASSP) recognized her as a finalist for the prestigious "Assistant Principal of the Year" award for the State of California, highlighting her outstanding, active, and front-line leadership.In July 2024, Dr. Rapaido published her first book, "Step Up Your School Leadership Game ~ The New Administrators' Guide ~ Lessons to Navigate Big and Small Challenges with Confidence and Purpose".Takeaways:Dr. Cynthia Rapaido possesses over 30 years of experience in K12 education, contributing to various roles.Her extensive career includes positions as a teacher, assistant principal, and principal in California schools.In 2024, Dr. Rapaido authored her first book, which serves as a guide for aspiring school leaders.She emphasizes the importance of mentorship for new educators and administrators entering the field.Dr. Rapaido advocates for building relationships with both students and parents to enhance educational outcomes.The podcast discusses the critical transitions students face from elementary to high school, highlighting the need for support.Chapters:00:02 - Introducing Dr. Cynthia Rapaido06:10 - Transitions in Education16:50 - Transitioning from Education to Writing

On this in-depth episode of Fishing the DMV, we're joined by Captain Doug Goodman, a highly respected Mid-Atlantic saltwater fishing guide with decades of experience fishing the Chesapeake Bay, Maryland, Virginia, North Carolina, and Southwest Florida.Captain Doug has been fishing inshore and offshore waters since the late 1970s, earning his U.S. Coast Guard Captain's License in 2015 with the mission of sharing his passion for fishing with anglers of all ages and skill levels. He is an active member of the National Association of Charter Boat Captains, the Coastal Conservation Association, and Captains for Clean Water, and is a strong advocate for conservation-minded fishing throughout the Chesapeake Bay watershed.In this episode, we dive deep into Captain Doug's fishing journey, the rich history of the Chesapeake Bay, and the current challenges facing one of the most important estuaries in the world. We discuss saltwater fishing trends, inshore species, striped bass, redfish, speckled trout, and how kayak fishing continues to grow across the Mid-Atlantic. We also take an honest look at the Chesapeake Bay menhaden population collapse, fisheries management, conservation efforts, and what anglers—both boat and kayak fishermen—can do to protect the future of Chesapeake Bay fishing.

A Message from our Sponsor: If you're interested in becoming an NAEC member and learning about the many benefits they offer, please contact Paula Sanchez at (770)-760-9660, or by email at membership@naec.org.Intro:In this conversation, I sat down with Amy DiPaolo, the president of the National Association of Elevator Contractors, to discuss her personal experiences with the NAEC, the benefits of membership, and their initiatives aimed at education, safety, and empowerment. Amy encourages elevator professionals to get involved with the association to experience greater personal and professional development.

Ever felt that your mental mess reflects in your physical space? In this latest episode, Kathi Burns shares how decluttering can clear not just your home but your mind too. It's fascinating how emotional ties to items can create clutter. Letting go of "just in case" items can be liberating! Learn how this mindset can transform your life.Kathi shares her journey from Coast Guard captain to organizing expert, offering practical tips for decluttering, overcoming emotional barriers, and creating personalized systems at home. She shares how starting small, using tools like timers and key holders, and the importance of self-care through organization.Kathi Burns, CPO® is a Board Certified Professional Organizer, Image Consultant, author, and speaker. Her mission for two decades has been to help clients move from overwhelmed, indecisive, and disorganized to clear, automated systems that easily generate more income. She is the author of 3 books and is the co-author of 4 more. Kathi was lauded as a successful woman start up business by Good Morning America, and since then, her advice has been featured in Oprah Magazine, Martha Stewart Living, Better Homes and Gardens, Entrepreneur Magazine, and more. (National Association of Productivity and Organizing Professionals) Connect with Kathi!Website - https://organizedandenergized.com/LinkedIn, Instagram, YouTube, Pinterest, Facebook6 Steps to Organize Your Life: https://go.organizedandenergized.com/free-treats/6-steps-for-lifeGoogle Productivity Playbook -It's a free guide that gives you 7 actionable, no-fluff hacks to finally make Google work for you—not the other way around. Access it HERE - Google Productivity Masterclass - Sign up HERE

What happens when some of the most influential thinkers in wholesale distribution get into one room and debate the future of the industry, the rise of AI, human centered leadership, and the coming wave of agentic systems?In this powerful year end roundtable, the Around The Horn panel returns for its third annual state of the industry conversation, featuring Mike Marks, Ian Heller, Dirk Beveridge, Paul Kennedy, Tom Burton, and Kevin Brown.What You Will Learn:Why AI is moving from experimentation to strategy and what this means for distributors in 2026How human centered leadership and people centric cultures are becoming competitive advantagesWhy the distributor divide is widening and how early adopters are achieving measurable gainsHow agentic systems, digital orchestration, and physical AI will reshape operationsLeadership insights on trust, empowerment, anti fragility, and preparing teams for the next decadeEpisode Highlights:03:14 The panel opens year three of the annual roundtable and explains why 2025 was a turning point17:22 Mike Marks breaks down what he is seeing in AI orchestration and contractor tech adoption31:40 Ian Heller explains why proximity and fulfillment speed are becoming competitive battlegrounds46:55 Dirk Beveridge challenges the industry to move from resilience to true anti fragility58:14 Paul Kennedy shares how ESOP leadership shapes digital adoption and trust01:12:09 The group debates agentic AI, workforce displacement, and the future of work01:33:42 Final predictions for 2026 and what will separate the distributors who thrive from those who driftMeet the Guests:Mike MarksFounding Partner at Indian River Consulting Group and one of the most respected strategists in modern distribution.Ian HellerCo Founder of Distribution Strategy Group, leading thinker on AI, data, and competitive disruption in the industry.Dirk BeveridgeFounder of the Fully Alive Movement, champion of people centered leadership and the human side of distribution.Paul KennedyPresident and CEO of DSG, ESOP leader, and current chair of the National Association of Electrical Distributors.Tools, Frameworks, and Strategies Mentioned:AI Orchestration ModelsAgentic AI SystemsCustomer Intelligence PlatformsOrder AutomationAnti Fragility Leadership FrameworkDigital Centers of ExcellenceESOP Driven Workforce ModelsClosing Insight:“Thriving companies are built by thriving individuals. Not the other way around.”This roundtable makes one message clear: AI may accelerate performance, but people will determine the future. How leaders shape culture, trust, empower teams, and integrate technology will define the next decade in distribution.Leave a Review: Help us grow by sharing your thoughts on the show.Learn more about the LeadSmart AI B2B Sales Platform: https://www.leadsmarttech.com/ Join the conversation each week on LinkedIn Live.Want even more insight to the stories we discuss each week? Subscribe to the Around The Horn Newsletter.You can also hear the podcast and other excellent content on our YouTube Channel.Follow us on Facebook, Twitter, Instagram, or TikTok.

A major political headline sent shockwaves through housing markets this week after President Donald Trump said he plans to ban large institutional investors from buying additional single-family homes. The proposal, framed as a move to restore housing affordability, immediately hit single-family rental stocks — but would it actually help buyers? In this episode of Real Estate News for Investors, host Kathy Fettke breaks down how markets reacted, what the data really shows about investor activity, and why many experts argue a ban could backfire by limiting new construction and rental supply. Using insights from Redfin, HousingWire, and National Association of Home Builders, this episode separates political rhetoric from housing reality — and explains what investors, renters, and homebuyers should actually be watching next. Want to learn more? Visit www.NewsforInvestors.com  JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1 

Share your Field Stories!Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! On today's episode, we talk with Heidi Pan, Founder of the 1.5 Degrees Podcast about Starting a Podcast at 16, Career Advice for Gen Z, and Junk Journaling.   Read her full bio below.Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Showtimes: 4:06 - Let Them Theory11:45 - Interview with Heidi Pan begins18:50 - Who are you speaking to?27:30 - Mental Health & Youths32:58 - #FieldNotes with Heidi Pan!Please be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Connect with Heidi Pan https://www.linkedin.com/in/heidi-pan-037257219/Guest Bio: At 16, to bridge the gap between aspiring environmentalists and established professionals Heidi Pan founded the 1.5 Degrees Podcast showcasing climate careers and involving the science, solutions, and stories in the fight against climate change. Her accessible intergenerational and intersectional climate conversations have since been featured by BBC Future Earth and the Smithsonian. In her free time she's teaching herself acoustic guitar, taking photos of birds, and junk journaling.  Music CreditsIntro: Givin Me Eyes by Grace MesaOutro: Never Ending Soul Groove by Mattijs MullerSupport the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players.

House Majority Whip Tom Emmer believes legislators will address remaining policy in a new farm bill this year and says another budget reconciliation bill is possible. National Association of Wheat Growers CEO Sam Kieffer says the Food for Peace Program should be moved from the State Department to the USDA. 

Real estate wealth doesn't come from flash, it comes from strategy. In this episode, we chat with seasoned broker and investor Scott Wendl to unpack how smart investors are building long-term wealth without flipping houses. Whether you're a first-time buyer or a seasoned pro, this one's packed with perspective-shifting advice you can use today.   Key takeaways to listen for The story behind Scott's first deal and what it taught him Why Gen Z buyers are missing big opportunities right now How to help your kid buy a house A real-world example of seller financing done right One mistake that costs thousands and how to avoid it   Resources mentioned in this episode National Association of REALTORS® Certified Residential Specialist (CRS)   About Scott Wendl Scott Wendl has specialized in helping buyers & sellers maximize their real estate experience & exceed expectations since 1996. He is heavily involved in the Des Moines Association of REALTORS® & is a Past President of the Iowa Association of REALTORS®. Scott is also an advocate for protecting home ownership, as well as the real estate profession through the REALTOR® Political Action Committee while being on the Major Investor Council for National Association of REALTORS®.   Connect with Scott Website: Scottwendl.com Email: scott@scottwendl.com Contact Number: (515) 249-9225   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.  

After the Trump Administration announced a reset of the dietary guidelines yesterday, we have reaction from two groups representing opposite ends of this particular food chain. First, we hear from Sam Kieffer, CEO of the National Association of Wheat Growers, followed by Rob Brenneman, president-elect of the National Pork Producers Council.See omnystudio.com/listener for privacy information.

2025 was a tough year for U.S. row-crop farmers, with many facing record losses for yet another consecutive year. Trade has emerged as a key part of the solution to getting the agricultural economy back on track, as new trade deals could open additional markets for U.S. commodities. Ted McKinney, who previously served in the first Trump administration as USDA Under Secretary for Trade and Foreign Agricultural Affairs, now leads the National Association of State Departments of Agriculture. Having traveled the world negotiating trade agreements on behalf of the administration, McKinney says the president has always kept American farmers front of mind when pursuing new trade deals. He details what's ahead in trade negotiations in 2026.

I never thought I'd be glued to my screen watching courtrooms turn into battlegrounds for America's future, but here we are in early January 2026, and President Donald Trump's legal wars are heating up like never before. Just days ago, on Tuesday, January 6, SCOTUSblog reminded us of that historic New York Times Company v. Sullivan case from 1964, where the Supreme Court protected the press from libel suits—timely now as tensions simmer between Trump and media outlets. But that's history; the real fireworks are exploding right now.Picture this: the Supreme Court is gearing up for its January 12 argument session in Washington, D.C., with seven massive cases, several straight from Trump's playbook. Axios reports that top of the list is Trump v. Barbara, where the justices could rule any moment on his executive order slashing birthright citizenship. Trump wants to deny U.S. citizenship to kids of undocumented immigrants born here, challenging over a century of 14th Amendment precedent. Businesses like Costco, Revlon, Bumble Bee Foods, and Ray-Ban makers are suing over another bombshell—Trump's tariffs. In Learning v. Trump, they're fighting his national emergency declaration that slapped billions in duties on imports without Congress's okay. Trump boasted on Truth Social it's the "most case ever," but a loss could mean refunding over $100 billion. Then there's Trump v. Slaughter, pitting Trump against Federal Reserve Governor Lisa Cook and FTC's Alvaro Bedoya and Rebecca Slaughter, whom he fired for clashing with his policies. The court will decide if he can boot independent agency heads, smashing 90-year-old protections.Just Security's litigation tracker paints an even wilder picture of chaos in lower courts. In D.C.'s federal district court, Taylor v. Trump challenges Executive Order 14164, where Attorney General Pam Bondi shuffled death row inmates to ADX Florence supermax under Trump's public safety push—plaintiffs scream due process violations. The National Association of the Deaf sued Trump, Chief of Staff Susan Wiles, and Press Secretary Karoline Leavitt for axing ASL interpreters at White House briefings, claiming First and Fifth Amendment breaches. Law firms aren't safe either: Susman Godfrey out of Texas hit back at an executive order yanking their security clearances for opposing Trump; Perkins Coie, Jenner & Block, and WilmerHale face similar retaliation suits in D.D.C., alleging viewpoint discrimination. The American Bar Association sued over yanked grants from the Office on Violence Against Women, calling it payback for their stances. Even Rep. Eric Swalwell's in the mix with Swalwell v. Pute, targeting Trump's criminal arrest pushes.Politico says grand juries are Trump's new nightmare—refusing indictments left and right on his aggressive policies, from protester crackdowns to immigrant roundups. U.S. District Judge Sparkle Sooknanan blasted prosecutors for "rushed" cases with weak evidence. And in a wild international twist, CBS News covered ousted Venezuelan leader Nicolás Maduro and wife Cilia Flores arraigned Monday in Manhattan's federal courthouse before Judge Alvin Hellerstein. Whisked by helicopter from Brooklyn's Metropolitan Detention Center under heavy security, Maduro pled not guilty to narco-terrorism, cocaine smuggling, and weapons charges—facing life in prison—while insisting he's still Venezuela's president.The Supreme Court's emergency docket, like in 25A312, keeps deferring stays till January arguments, per their own filings. Lawfare's tracker logs non-stop national security suits against Trump's moves. It's a legal whirlwind, listeners, with the high court poised to reshape everything from guns in Wolford v. Lopez against Hawaii's private property ban, to conversion therapy fights in Miles v. Salazar.Thanks for tuning in, listeners—come back next week for more. This has been a Quiet Please production, and for more, check out Quiet Please Dot A I.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.aiThis content was created in partnership and with the help of Artificial Intelligence AI

Welcome to Season 11 of Workforce 4.0 and this week we are ringing the new year in with a bang as host Ann Wyatt speaks with Carolyn Lee, President and Executive Director or the Manufacturing Institute. This week, Carolyn and Ann discuss the current state of the manufacturing workforce, the impact of technology, and the importance of bridging the skills gap. They also share experiences and the powerful impact that the FAME program has been as a successful model for workforce development in many states across the US. Additionally, Ann asks Carolyn about current hiring trends, and the need for effective frontline leadership and the expectations of younger workers. As a featured recent keynote discussion leader during Schneider Electric's 2025 Innovation Summit, North America, this is our second installment highlighting and celebrating the road forward to building the manufacturing workforce.In This Episode:-00:00: Introduction To Workforce 4.0-00:30: Welcoming Carolyn Lee From The Manufacturing Institute To Workforce 4.0-04:16: Preparing The Workforce For The People/Technology Convergence-09:08: Exploring Where The Real Skills Gap Lies-11:35: What Real FAME Looks Like: A Model for Workforce Development-16:40: Examining Real Time Manufacturing Hiring Trends-20:19: The Importance of Empowering Frontline Leadership-25:03: Breaking Down The Impact In Positive Culture And Productivity-32:41: The New Data On The Manufacturing Skills Gap-37:37: Carolyn's Final Thoughts And Point Of Contact-39:17: Workforce 4.0 OutroMore About Carolyn: Carolyn Lee is the president and executive director of the Manufacturing Institute, the 501(c)3 nonprofit workforce development and education affiliate of the National Association of Manufacturers. Ms. Lee leads the MI in its goal of building a resilient manufacturing workforce prepared for the challenges and opportunities of the future. She was named to the leadership role at the MI in 2017, and during her leadership tenure, the MI has grown significantly, evolving for scaled impact nationwide across the manufacturing industry. She led the MI as it developed new programs, initiatives and events, including taking stewardship from Toyota of the Federation for Advanced Manufacturing Education in 2019 and growing its reach; inaugurating the annual MI Workforce Summit; launching the 35×30 mentorship initiative for women and young girls; expanding the MI's Heroes MAKE America initiative; working with the NAM to develop Creators Wanted—the manufacturing industry's largest national workforce development and education campaign; and partnering with organizations such as Stand Together Trust to create the MI's second chance hiring initiative.Through implementing groundbreaking programs, convening industry leaders and conducting innovative research, the MI furthers individual opportunity, community prosperity and a more competitive manufacturing industry. The MI is a trusted adviser to manufacturers, equipping them with solutions to address the toughest workforce issues. To learn more about Carolyn connect with her here.

It's the fifth anniversary of the Capitol Riot. As Trump part two has been in power for a year and he's begun a new era of American empire, we're re-posting our take on this defining moment in American history. From the 2021 episode: And we thought 2020 was bumpy. In this rush episode, we talk about the shocks happening in the liberal democratic capitalist system. How the ruling class is destabilized by Trump and the far right actions at Capitol Hill this week, and how they are responding to maintain order and their own power as quickly as possible. Last week, we saw organized by war criminal and former Veep and Secretary of Defense Dick Cheney(!) all ten living Secretaries of Defense to call on Trump and officials in the military establishment to ensure an orderly transition of power (he didn't). We saw the National Association of Manufacturers, a notorious anti-worker anti-liberal Democratic institution, issue a statement calling for the swift enactment of the 25th Amendment of Donald Trump over inciting riots at the Capitol. And we saw lots more anger and outrage in the political and corporate spheres aimed at Trump and his supporters. Between the crises of COVID-19, a crashing economy, the climate crisis, a growing far right clearly willing to use deadly violence and these shocks to the system, there are many forces vying for what kind of world is next for us. As the great Gil Scott-Heron told us, “America leads the world in shocks. Unfortunately, America does not lead the world in deciphering the cause of shock.” That's what Green and Red Podcast will be doing. -----------

This week on Real Estate Today, we take a close look at what's ahead in 2026: We're talking bold builder incentives designed to attract buyers and the housing markets expected to be in highest demand. Whether you're thinking about buying a home or you're a current homeowner planning for the future, this episode explores what these emerging trends could mean for your next move. We also break down why Florida continues to capture national attention as a housing hot spot. Guests include Dr. Jessica Lautz, deputy chief economist at the National Association of REALTORS®; Robert Dietz, chief economist at the National Association of Home Builders; and Dr. Brad O'Connor, chief economist at Florida REALTORS®. Plus, in our Hot or Not segment, we take a look at home design trends making waves, including animal prints, shiplap walls, wellness and activity zones, and home libraries.

Rusty Halvorson shares audio from the National Association of Farm Broadcasting Trade Talk event - featuring news from partners with Farm Credit, CLAAS of America, PTx and Koch Agronomic Services.See omnystudio.com/listener for privacy information.

Happy New Year! We present a series of recorded conversations covering the cattle/beef market by Chip Flory and Andrew McCrea of Farming the Countryside at the National Association of Farm Broadcasting Trade Talk event. See omnystudio.com/listener for privacy information.

The latest episode explores how a bipartisan coalition of 36 state attorneys general is again pushing back against proposed federal efforts to ban state-level AI laws, sending a policy letter through the National Association of Attorneys General to oppose language in the National Defense Authorization Act that would undercut states' ability to regulate artificial intelligence in areas like consumer protection and child safety. This standoff highlights persistent federal-state tension over AI governance and why legal, compliance, and marketing teams should track both state and federal developments — especially as states seek to act quickly to fill gaps left by slower national regulation. Hosted by Simone Roach. Based on a blog post by Paul L. Singer, Beth Bolen Chun, Abigail Stempson, and Andrea deLorimier.

Rusty Halvorson shares audio from the National Association of Farm Broadcasting's Trade Talk event at the Westin Crown in Kansas City.See omnystudio.com/listener for privacy information.

The full moon is a powerful time for reflection, manifestation, creativity, and emotional awareness. In this episode, Adam Barralet and Elizabeth Ashley explore how to work with the energetics of the full moon using carefully chosen essential oils.Together, they discuss why the full moon represents culmination, balance, and amplification, and how certain oils align naturally with lunar rhythms. This conversation explores oils traditionally associated with forgiveness, emotional release, sensuality, inspiration, creativity, and spiritual connection, including:Jasmine (Grandiflorum & Sambac)NeroliHemp essential oilCardamomOsmanthusLemonClary SageConifer oils such as cypress, fir, and pineElizabeth shares insights drawn from decades of professional aromatherapy experience, including historical plant wisdom, menstrual and lunar cycles, agricultural moon planting, and how different oils support emotional and mental states during the full moon. Adam brings an astrological and energetic perspective, offering practical ways to work with lunar timing even in modern life.This episode also explores:Why the full moon is better suited to manifestation rather than banishingHow essential oils interact with emotional and mental patternsDreamwork, creativity, and inspiration under the full moonForgiveness, polarity, and emotional balanceLunar rhythms, agriculture, and traditional moon-based livingThis is a discussion-based exploration, intended for educational and spiritual reflection, rather than prescriptive instruction.Featuring:Adam Barralet — Spiritual educator and astrologerlinktr.ee/adambarraletElizabeth Ashley — UK Director for the National Association of Holistic Aromatherapywww.thesecrethealer.co.ukTo contact me regarding purchasing essential oils at a VIP rate, extending your essential oil education or you'd like to work with me in sharing these gifts from Mother Earth and her plants to those you care about, please visit: https://goo.gl/forms/Cv96rHPcKya4dhMB2 To purchase essential oils, please visit: https://www.adambarralet.com/holistic-health-with-adam To purchase my latest book exploring the essential oils and chakras, please visit: http://linktr.ee/chakrabalancing

Producer Kailyn Bennett reports on the latest National Association of REALTORS® data showing existing-home sales rose 0.5% in November to a seasonally adjusted annual rate of 4.13 million. While sales increased for the third straight month, inventory tightened to 4.2 months of supply, and the national median home price rose 1.2% year over year. The report also shows mixed regional trends, stronger single-family home sales compared to condos, and a growing share of investor and second-home buyers, as mortgage rates declined in November.

What will the housing market look like in 2026, and how can buyers, sellers and investors prepare now? This week on Real Estate Today, we look ahead to the next phase of the real estate market as leading economists and top industry voices share their outlook for the year ahead. From long-term housing trends to economic forces shaping homeownership, our guests break down what to expect and how those shifts could impact decisions to buy, sell or invest. Guests include Lawrence Yun, chief economist at the National Association of REALTORS®; Matt Vernon, head of consumer lending at Bank of America; Nadia Evangelou, senior economist and director of real estate research at the National Association of REALTORS®; and Danielle Hale, chief economist at Realtor.com. Plus, in our Hot or Not segment, we break down three home design trends making waves right now: unfitted kitchens, also known as freestanding kitchens; curved silhouettes in kitchens, from islands to doorways; and beige-on-beige color schemes.

Share your Field Stories!Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! We have a new minisode for you today! This is taking place instead of our regularly scheduled episode on Friday this week. Thank you so much for listening!Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Please be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Support the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players.

Can the board request that no staff are present during board meetings? Stacey and Andy have the answer! Also this week, we talk about managing a chatty volunteer that’s making it hard to get work done, and have a nice discussion about how to start up a planned giving program. Thanks for joining us this week, and from everyone here at the Nonprofit Everything podcast, we wish you happy holidays! We asked Santa to send us questions to Questions@NonprofitEverything.com, so maybe you can help!? Topics: How do we get ready for planned giving? – skip to this question Can the board request that no staff are present during board meetings? – skip to this question How do we manage an overly chatty volunteer? – skip to this question Mentioned this week: National Association of Charitable Gift Planners Review us on Apple Podcasts! Review us on Spotify! Review us on Podchaser! Hang out with us on Discord! Ask us a question Sponsor the podcast

President Joe Biden cared about climate change — and pushed radical environmental policies throughout every agency in his administration. President Donald Trump cares about religious liberty, and as such, is taking care to make his White House policies represent that priority. And it's not just good for America. Nations around the world are benefitting with a White House that tries to press religious freedom into its foreign policy. Matt Faraci with the National Association of Christian Lawmakers talks about the crucial link between religious freedom and a free society.

In this episode, Mardi Winder and Ron Platt explore the essential role of support and resources for individuals and families navigating divorce. The focus centers on the National Association for Single and Divorced Families, co-founded by Ron Platt, which takes a comprehensive approach to supporting not only those currently experiencing divorce but also single parents and anyone transitioning through family change.Drawing from his extensive experience in insurance and real estate, and his personal journey as a foster parent, Ron shares the motivations behind establishing the association. He highlights the gaps he witnessed in the systems designed for families, from the struggles within foster care to the challenges faced by his former business partner in escaping an abusive marriage. This firsthand understanding helped shape a service that strives to make the process of divorce less isolating and overwhelming for everyone involved.The discussion covers a variety of practical resources available through the association, from discounted childcare and mental health support to unique solutions such as child support insurance, a product that helps ensure alimony and child support payments continue even if the payer loses their job involuntarily or becomes disabled. Affordable membership gives individuals the flexibility to choose only the services they need without additional obligation.Throughout the conversation, Ron and Mardi emphasize the importance of advocacy, community, and having a strong foundation during times of transition. About the Guest:Ron Platt is the Co-Founder of the National Association for Single and Divorced Families. They provide an umbrella of products, services, support, and resources for people who are getting a divorced, currently divorced or have a single-family household. They also have the proprietary rights to Support Insured, which is the only insurance product that guarantees child support and alimony protection if the payor dies, becomes disabled or involuntarily unemployed.To connect with Ron:Facebook: https://www.facebook.com/NASDF.org/ Website: https://www.NASDF.org Instagram: https://www.instagram.com/nasdforg/ LinkedIn: https://www.linkedin.com/in/ronald-platt-a6b49016/ TikTok: NASDForg YouTube: NASDFORGAbout the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts. You can also subscribe in your favorite podcast app.Leave us an Apple Podcast ReviewRatings and reviews from our...

Existing home sales rose for the third consecutive month in November based on data from the National Association of Realtors.The seasonally adjusted total of 4.13 million homes sold in the last year was the highest since February, but it remained well below prior norms. From 2013 to 2023, existing home sales typically eclipsed 5 million per year.An article published by the Wall Street Journal noted that 54% of primary mortgage-holders have mortgage rates at or below 4%, which represents close to 30 million households.It appears the locked-in effect for single-family homes will continue next year. The Mortgage Bankers Association recently forecasted that mortgage rates will average 6.4% in 2026, giving very little relief to the lack of affordability in the for-sale home market.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Kevin talks about comments made by Rush Enterprises CEO W.M. "Rusty" Rush during a press event at last week's 20th Anniversary Tech Skills Rodeo in Nashville and covers the following stories: a pop-up survey, which was actually more of a push poll, from what appeared to be a Liberal Organization regarding whether you support lawmakers' plans to ban gas cars; Wreaths Across America reported the results of the wreath laying ceremony this past December 13th; the National Association of Realtors released their Existing-Home Sales Report; Kevin has the details, sifts through the data, puts the information into historical perspective, offers his opinions and insights.

Kevin talks about comments made by Rush Enterprises CEO W.M. "Rusty" Rush during a press event at last week's 20th Anniversary Tech Skills Rodeo in Nashville and covers the following stories: a pop-up survey, which was actually more of a push poll, from what appeared to be a Liberal Organization regarding whether you support lawmakers' plans to ban gas cars; Wreaths Across America reported the results of the wreath laying ceremony this past December 13th; the National Association of Realtors released their Existing-Home Sales Report; Kevin has the details, sifts through the data, puts the information into historical perspective, offers his opinions and insights.See omnystudio.com/listener for privacy information.

Welcome to our monthly feature Unpopular Real Estate Opinions with Chris Linsell. In this episode, Chris discusses bold predictions about the possible transformation or decline of the National Association of Realtors (NAR) by 2026. The discussion delves into what value NAR, as well as state and local associations, truly provide to agents amidst shifting industry dynamics. Chris and D.J. propose a new vision for NAR focused on lobbying, national data initiatives, and raising standards for agent entry and ongoing training. Last, Chris and D.J. highlight the need for agents and organizations alike to adapt, level up skills, and provide unique value in an evolving market. Check out D.J.'s Listing Reviewer here. Please check Chris' profile on LinkedIn. If you'd prefer to watch this interview, click here to view on YouTube!  This episode is brought to you by Real Geeks and Courted.io.

12.18.2025 #RolandMartinUnfiltered: Dems cancel 2024 autopsy, Trump gives deranged speech, Warnock slams Agent Orange Marijuana is reclassified for the first time since 1970---Georgia State Rep. Eric Bell joins us to discuss what this means for legalization efforts nationwide. Plus, Senator Raphael Warnock fires back after Donald Trump attacks his faith. We've got Warnock's response to the twice-impeached, criminally convicted former president. And as the National Association of Black Journalists marks 50 years of excellence, one of its original founders, Sam Ford, joins us live in studio. 36 years at D.C.'s 7News and WJLA and plenty to say about the state of Black journalism today. #BlackStarNetwork partner: Fanbasehttps://www.startengine.com/offering/fanbase This Reg A+ offering is made available through StartEngine Primary, LLC, member FINRA/SIPC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. You should read the Offering Circular (https://bit.ly/3VDPKjD) and Risks (https://bit.ly/3ZQzHl0) related to this offering before investing. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Moody's Analytics economist Matt Colyar weighs in on the government-shutdown flawed consumer price data for October and November, and teases his own CPI that will better represent what's happening with inflation. Stay tuned. And Robert Dietz, chief economist of the National Association of Homebuilders, joins the conversation to provide his outlook on the housing market. Housing will have another tough year, but Rob finds some bright spots.Guest: Robert Dietz, Chief Economist of the National Association of Home BuildersHosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

12.16.2025 #RolandMartinUnfiltered: Black Voting Power at Risk, Crockett’s Senate Fight, NABJ Future, Fanbase Equity Push A new report from Fair Fight Action and Black Voters Matter warns that nearly 200 Democratic state legislative seats from mostly majority-Black districts are under threat. Black Votes Matter Executive Director, Cliff Albright, will break down the Southern State Legislature Effect Report. Democrats need to stop the infighting and let Texas Congresswoman Jasmine Crockett have her shot at the Senate seat. I'll talk to a democratic strategist about why some a finding it hard to support Crockett. The National Association of Black Journalists launches its Jubilee Endowment Campaign to secure the future of Black journalism. Allison Davis, one of the youngest founders, will be here to talk about the organization's history and future. Fanbase, the creator-first social platform, is a day away from closing its equity crowdfunding campaign tomorrow. Isaac Hayes III joins us for a last-minute push. In our Black Star Network Marketplace, we're celebrating beauty, self-care, and melanin magic with Cocotique - a monthly subscription box created just for women of color. #BlackStarNetwork partner: Fanbasehttps://www.startengine.com/offering/fanbase This Reg A+ offering is made available through StartEngine Primary, LLC, member FINRA/SIPC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. You should read the Offering Circular (https://bit.ly/3VDPKjD) and Risks (https://bit.ly/3ZQzHl0) related to this offering before investing. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

What does the future of the pet service industry look like as technology and client expectations evolve? Matthew Kutas, founder and CEO of Republic of Dog, talks about the challenges and opportunities facing pet care businesses today. He discusses how technology can streamline operations without losing the emotional connection at the heart of the work, and why onboarding is a make-or-break process for client trust. Matthew shares insights on staffing, scaling, and the professionalization of the industry. He also explores how pet care intersects with city planning, corporate wellness, and strategic partnerships, pointing to new opportunities for growth. Main topics: Technology's impact on pet services Onboarding as client trust foundation Balancing scaling with personalization Staffing challenges and expectations City planning, condos, and corporate programs Main takeaway: "Technology should give you more time to do the important things—it should enhance the client's experience, not replace the human connection." – Matthew Kutas As pet care professionals, we often look to tech to solve our pain points. Scheduling tools, payment systems, even AI—these can save hours of work. But Matthew Kutas reminds us that the point isn't to automate away the heart of our service. Instead, we should use the time we gain to deepen relationships with clients and their pets. Send that personal message. Make that check-in call. Show you care. Because in an industry built on trust, the human connection is what truly sets us apart. About our guest: Matthew Kutas is the founder and CEO of Republic of Dog, based in Canada. With over 25 years in the pet service industry, he has built and operated businesses in dog walking, daycare, grooming, and boarding, before shifting into consulting and advising. Today, his focus is on how pet services integrate into urban living, condos, and hotels, while also addressing industry-wide challenges like technology, staffing, and scaling. Matthew works with pet care companies, city planners, and property managers to ensure pets remain central in both business growth and community design. Links: https://republicofdog.ca Check out our Starter Packs See all of our discounts! Check out ProTrainings Code: CPR-petsitterconfessional for 10% off

12.15.2025 #RolandMartinUnfiltered: Black Farmers Rebuff Trump Farm Aid, ACA on the Brink, Economy Approval at 31% Black farmers are voicing their skepticism about Donald Trump's new $12 billion farm aid program, stating that it contains racist undertones. John Boyd from the National Black Farmers Association will explain their concerns. Millions are watching to see what will happen next with the Affordable Care Act, especially after the Senate rejected its extension. I'll speak with a former official from the Centers for Medicare & Medicaid Services to understand what this means for your healthcare. Recent polling shows that only 31 percent of voters approve of Trump's handling of the economy. We'll analyze the numbers with Morgan Harper from the American Economic Liberties Project. The National Association of Black Journalists has launched a bold initiative to raise $15 million over the next four years to create a permanent endowment that invests in the next generation of Black journalists. One of the original 44 founders, Sandra Long Weaver, will join us to discuss this effort. DeMaurice Smith will be in the studio to discuss his book, "Turf Wars: The Fight for the Soul of America's Game," which delves into controversies surrounding Colin Kaepernick, Deflategate, and power struggles within the NFL. #BlackStarNetwork partner: Fanbasehttps://www.startengine.com/offering/fanbase This Reg A+ offering is made available through StartEngine Primary, LLC, member FINRA/SIPC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. You should read the Offering Circular (https://bit.ly/3VDPKjD) and Risks (https://bit.ly/3ZQzHl0) related to this offering before investing. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

About Leo ParejaLeo Pareja is the Chief Executive Officer of eXp Realty, one of the largest and fastest-growing real estate brokerages in the world, with more than 85,000 agents globally. A lifelong entrepreneur, Leo got his real estate license at just 19 years old and quickly rose to become one of the top-producing agents in the industry before the age of 30.Over the course of his career, Leo has founded, scaled, and exited multiple successful companies across real estate, lending, and technology, including Remine and Washington Capital Partners, where he helped facilitate billions of dollars in real estate loans. He has also served as National President of the National Association of Hispanic Real Estate Professionals (NAHREP) and is widely respected for his data-driven, no-nonsense approach to leadership and growth.Today, Leo is known for building platforms, empowering entrepreneurial agents, and redefining what's possible in modern real estate through technology, culture, and consistency. His leadership philosophy centers on long-term thinking, personal accountability, and helping agents build scalable, sustainable businesses.Connect with Leo ParejaLinkedIn: https://www.linkedin.com/in/leopareja/Instagram: https://www.instagram.com/leopareja/X (Twitter): https://twitter.com/leoparejaeXp Realty: https://expworldholdings.com/What you'll learn on this episode:How your thoughts shape your outcomes and sales successThe Self-Coaching Model for breaking negative thought and behavior cyclesWhy visualization, affirmations, and meditation rewire your mindset for better resultsHow reading, mentorship, and strategic learning create massive shifts in your businessWhy the right community and influences are critical for consistent growth To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan RochonTeach to Sell Preorder: Teach to Sell: Why Top Performers Never Sell – And What They Do Instead