Podcasts about National Association

Oregon just launched a new program that aims to hold businesses accountable for the packaging waste they create. The Plastic Pollution and Recycling Modernization Act charges businesses that produce or distribute paper, packaging and food serviceware based on the weight and sustainability of their materials.   The act applies to companies that generate $5 million or more in revenue. The goal is to fund recycling services in small communities through the fees that businesses pay into the program. But the National Association of Wholesaler-Distributors says the act is illegal and unfairly impacts its members.  Karen Harned is the organization’s director of litigation and legal policy. She joins us with more details about the NAW’s lawsuit against the state.

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ******************* 2025's Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind!

As CEO of AFIRE, Gunnar Branson brings nearly three decades of experience across commercial real estate, professional services, education, and association leadership. Prior to joining AFIRE in 2018, he served as CEO of the National Association of Real Estate Investment Managers (NAREIM), and before that, he led strategy and marketing for Fortune 500 and other innovative mid-market companies. As a recognized thought leader, Gunnar is a regular speaker, panelist, and spokesperson for the global real estate and investing community, focused on institutional investing, urbanism, sustainability, and future trends.

Joe Piscopo's guest host this morning is Joe Borelli, Former New York City Councilman and Managing Director of Chartwell Strategy Group 51:33- Chris Swecker, attorney who served as assistant director of the FBI for the Criminal Investigative Division from 2004 to 2006 Topic: Trump seizing control over Washington police and deploying the national guard, Target shooting 1:00:17- Michelle Esquenazi, President of the National Association of Bail Agents (NABA) & CEO of Empire Bail Bonds in NY Topic: Trump vows federal bill to outlaw states’ cash bail bans 1:15:05- Hans von Spakovsky, Manager of the Heritage Foundation's Election Law Reform Initiative and Senior Legal Fellow at the Edwin Meese III Center for Legal and Judicial Studies Topic: Jeanine Pirro's push to change laws in DC amid youth crime 1:27:03- Tom Del Beccaro, attorney, acclaimed author, speaker, and the former Chairman of the California Republican Party Topic: Trump and Newsom fight over National Guard 2:03:51- Rafael Mangual, senior fellow with and head of research for the Manhattan Institute’s Policing and Public Safety Initiative, and a contributing editor of City Journal, and the author of "Criminal (In)Justice" Topic: Trump seizing control over Washington police 2:14:53- Jonathan Hoenig, portfolio manager at Capitalist Pig Hedge Fund LLC and a Fox News Contributor Topic: China tariff deadline extendedSee omnystudio.com/listener for privacy information.

In this episode of the Women of Coldwell Banker Commercial podcast, host Jenna Hille sits down with Sharon Love-Bates, Director of Emerging Technology and Strategic Business at the National Association of Realtors. Together, they explore how strong leadership can guide organizations through periods of transformation, the evolving role of emerging technologies in real estate, and why human connection remains essential—even in an increasingly digital industry.

James Gore just wrapped up his year as president of the National Association of Counties. He says he's a member of the Get “Stuff” Done party. He talks about what he's seen over the past year and why he's hopeful for the nation and the nation's counties. GoodGovernmentShow.com Thanks to our sponsors: The Royal Cousins: How Three Cousins Could Have Stopped A World War by Jim Ludlow Ourco Good News For Lefties (and America!) - Daily News for Democracy (Apple Podcasts | Spotify) How to Really Run a City Executive Producers: David Martin, David Snyder, Jim Ludlow Host/Reporter: David Martin Producers: David Martin, Jason Stershic Editor: Jason Stershic

What if your biggest breakdown became the start of your most powerful business breakthrough? In this week's episode of Lead Your Life, I sit down with Diane Cunningham Ellis, a powerhouse business coach, author of 12 books, and the unapologetic creator of the Masterpiece Mastermind. Diane's journey is one of courage, conviction, and calling. From surviving a literal plane crash to walking away from a marriage that no longer aligned with her purpose, she shares how choosing faith, fierce clarity, and bold self-leadership helped her transform her life, and turn her business into a movement. Together, we explore what it means to build a business as a faith-based female entrepreneur without hiding the broken pieces. Diane is proof that your story doesn't disqualify you, it qualifies you. Especially when you remember that you are, in fact, God's masterpiece. ☑️ What it really takes to lead after divorce, doubt, and fear ☑️ Why Diane almost gave up on her mastermind, and what God revealed instead ☑️ How your business can become a ripple effect of healing, legacy, and movement This conversation is raw, real, and faith-fueled, perfect for the woman who's ready to build with boldness, reclaim her story, and lead her business like the masterpiece she already is. Subscribe and listen now to remember what's possible when you lead your life in alignment with your calling. More About Diane: Diane Cunningham Ellis, M.Ed. is a Business Strategist, Courage Coach and Trusted Advisor with 25 years of experience teaching thousands of women.  She founded the National Association of Christian Women Entrepreneurs in 2010 and sold it in 2017. She offers private coaching, business consulting and masterminds for women who want to create profitable communities to scale their impact, influence and income.   She has a Masters Degree in Counseling, has written 12 books and is proud to have 12 years of recovery from alcoholism.  She is married to her retired FBI agent turned private investigator husband and has also survived a plane crash.  Website: https://DianeCunningham.com FB:  https://www.facebook.com/DianeCunningham YT:  https://www.youtube.com/@DianeCunningham LinkedIn: https://www.linkedin.com/in/dianecunninghamellis/   HOW I CAN SUPPORT YOU

Keith fields listener questions on: changes to realtor fees, down payment strategies for investment properties, and how the new 100% bonus tax depreciation really works, then staggering inflation statistics that motivate you to invest in real assets. He explains that realtor fees have shifted from a 6% listing fee to a 3% seller fee, with potential buyer contributions negotiable.  For down payments, he advises maximizing leverage while avoiding over-leverage.  Bonus depreciation allows for significant tax deductions in the first year, benefiting high-income investors.  Resources: Connect with a recommended cost segregation engineer to take advantage of bonus depreciation here. Show Notes: GetRichEducation.com/566 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:00   Welcome to GRE. I'm your host. Keith Weinhold, fielding your listener questions on changes to realtor fees, your down payment strategy, and how the new 100% bonus tax depreciation really works, then staggering inflation statistics that motivate you to invest in real assets today on Get Rich Education.    Keith Weinhold  0:26   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week. Since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:22   Welcome to GRE from Athens, Pennsylvania to Athens, Georgia to Athens, Greece, and with listeners across 188 world nations. You are listening to get rich Education. I'm your host. Keith Weinhold, yeah, you and I are back together for a 566th wealth building week. This is not where you learn how to create wealth through careful sports wagering at DraftKings. We also don't try to do everything like WalMart. We talk about investing actually pretty aggressively yet reasonably and responsibly at the same time. Usually those attributes are opposites, but because we are leveraging the most proven wealth building vehicle of all time, real estate, where you don't have to be the landlord. You don't need to get deeply hands on with house flipping, and you don't need to own property in your local market, though you could. We are not day trading. We are decade trading. There's not a get rich quick element here at GRE, because that doesn't work. We're owning mostly long term rental properties, bringing the financially free beats debt free approach and cognizant that compound leverage Trumps compound interest. And from the day you start focusing on this, you can retire in five to 10 years, and you can take it as far as you want, because unlike many professional sports, the sport of real estate investing doesn't have any salary cap at all. I'm starting off with three of your listener questions today. You write into the show with your questions and what I've got a few that I think could help a lot of you. I answer them here. And as usual, I start with the more introductory question, and then I proceed to the more advanced. The first one comes from Sherry In Sellersburg, Indiana. I know where that is. It's just across the river and to the north of Louisville, Kentucky. Sherry asks when I go to sell my duplex, how have last year's changes in realtor fees affected my sale costs? Yeah, thanks for the question, Sherry. And a lot of people still wonder about this first and a big little technical here, but this benefits other listeners Sherry is that a realtor means that they are a member of the NAR, the National Association of Realtors. So not all people that you enlist to help you market and sell your property are realtors, because not all agents belong to the NAR. In fact, the best catch all term for this person is not an agent. Depending on the state you're doing business in, it's probably licensee, someone licensed to act as your professional intermediary in a real estate transaction. And by the way, the name of an NAR member is a realtor. It is not pronounced real utter it's realtor, like doctor and lawyer. You wouldn't call a doctor a doctor two syllables, realtor, but to get to the crux of your question, Sherry, the changes to realtor compensation took effect almost exactly a year ago. It was last August, and it has less. Of an effect on the industry than many thought. I stated last year that it likely wouldn't affect things much, especially here on the investor side, and it really hasn't. The simplified version is that the old landscape was that when you used to list the property for sale, the listing agent charged you a fee, traditionally, 6% they offered half of that to any cooperating broker that brought the buyer to you. That was simple, and that worked for decades. That changed one year ago now, when any realtor or really licensee, when they work with you, now they simply contract with you for their fee, only like 3% as a seller of the property, you no longer have an obligation to pay for the buyer side agent as well, like you used to. But when you sign a listing agreement, you can indicate that you may be willing to concede and give an allowance to the buyer when they engage a licensee on their side to help them purchase your property. So Sherry, your voluntary contribution to the buyer side is negotiable, and it's part of the offer that the buyer presents to you. Now that's what you'll see as the seller and what you should expect as a buyer. The new landscape is that buyers negotiate a personal service agreement upfront with their licensee. Their service isn't free. I mean, these people can't work for free, and the buyer side licensee acknowledges that they will try to negotiate to get the seller to pay that fee. So Sherry, in reality, that's still what often happens. So the seller still pays that fee. In the end, the reason why is that not only is this traditional, but buyers cannot normally afford to pay for their own representation on top of their down payment and closing costs. They're often spread pretty thin already, but sellers can typically afford it. They have the upper hand financially in the form of equity in the property. And here, when you're buying properties at GRE marketplace, you don't have to pay any of those fees. We use a direct model without a licensee. So that's sort of the short version of the change, and why. I hope that helps sherry. It's a good question. Even licensees are struggling with the new rules.    Keith Weinhold  7:38   The next question comes from Jezebel in Yonkers, New York. Jezebel asks, what is the ideal percent down payment that I should make on a rental property? I'm trying to figure out the trade off between debt level, cash flow, leverage and risk. I'm still trying to get past the mindset that paid off property is best. All right, that's Jezebel's question, and Jezebel The short answer is that you want to make the smallest down payment possible while avoiding over leverage. Over leverage, meaning that your monthly payments are so big that you struggle to make them. Now, many investors that buy rental property, they're going to make a 20% down payment on a conventional loan for a single family rental. At last check on duplexes and up the down payment has to be at least 25% now you can make a down payment as low as 15% at least on a single family rental, although you would then be subject to an extra fee a PMI premium. Now, why would one do such a thing for the leverage? Because leverage is almost seven to one at 15% down, but you've got to balance that with a PMI premium. Run the numbers and see what works for you. Now, since you can make just a 20% down payment on a single family rental, conversely, why would you put 25% down? Your leverage position would slide from five to one down to four to one, where you can often get a slightly lower interest rate if you put 25% down. But when you run the numbers, you'll find that it's often better to maintain strong leverage and only put 20% down. Now, Jezebel, as soon as you start putting 30% down on a property that is questionable at 30% or more, because at that point you really have to start asking why the rate of return from home equity is always zero. It actually makes your risk go up, like I've discussed extensively before, with 30% down, your leverage ratio has been cut to 3.3 maybe the answer could be that 30% down is what it takes to produce. Positive cash flow, but putting 30% or more down is clearly not ideal. Think about how good we've got it as real estate investors here, for example, imagine that you're attracted to a dividend paying stock because it pays a 4% yield, unless you're borrowing on margin, you would need to make a 100% down payment to get that 4% cash on cash return from a dividend paying stock, 100% sunk into this, which isn't even a down payment anymore. That's just an outright free and clear stock purchase. Well, instead, in real estate, when you realize that property prices rise or fall in value regardless of how much equity is in a property, you don't have an incremental increase in your equity growth. It's a quantum leap. And here's what I mean. Jezebel, say you're investing 100k in real estate, that's how much you're going to put into it, and it appreciates at 5%. All right, there are two scenarios with that. Scenario A, you put that 100% down into just one 500k property, well, then you've got just a 25k gain after a year. Instead, with Scenario B, you put 20% down on five 500k properties, then you've got a 25k gain after a year, not just 5k Said another way more powerfully. Scenario A, you only got a 5% return on one property. In Scenario B, you got a 25% return on all of five properties. Wow. That's why the leverage light bulb, when that goes off, that is an incredible flex that you've got. That's why I say it is not an incremental gain in your wealth. It is a quantum leap. So I hope that some of those considerations really help temper your strategy there. Jezebel, that really helps you see how financially free beats debt free and exposes the opportunity cost of a paid off property. Thanks for the question.    Keith Weinhold  12:19   The next question comes from Ed, and he is a personal friend of mine, so he submitted this question by text message to me, but I wanted to address his question here, because I've had other people in my friend group ask me about this. It's about bonus depreciation, what it is. It's about bonus depreciation, what it is and how it works. And what's interesting here is that even those that aren't active real estate investors have been asking me about bonus depreciation. This was part of Trump's OB BBA, the one big, beautiful Bill Act that was signed into law back on the Fourth of July, and I told you about that last month, but because of all the questions about it and the lack of clarity around people's understanding of bonus depreciation, although it gets a little busy, let me give you a real world example with numbers on how bonus depreciation really works and how you can put 10s of 1000s of dollars in your pocket with it the next time you file your taxes. And by the way, my friend Ed that asked this question is a cargo pilot, so he is probably the most well traveled friend that I have. Yeah, through our chats and on social media, I often see that he's in China or Vietnam or a bunch of other places, but he lives in the US. In fact, bonus depreciation is encouraging more people that haven't even been real estate investors previously to newly invest in real estate because it is for properties acquired January, 20, 2025, or later, Trump's inauguration day for his second term or later. And I expect this to be effective for at least four years from that date. I think I mentioned that part to you a few weeks ago. All right, the property has got to be newly placed in service, not something that you bought, say, five years ago. Bonus depreciation does not apply to primary residences. We're talking about rental property, although it does apply to more than just rental property, because it can apply to property used in a business, like equipment, machinery and furniture, but within rental property, it applies to certain components of the real estate, not the building itself. That is on a regular depreciation schedule, and not the bare land. Land cannot be tax depreciated at all. All, neither through regular depreciation or bonus depreciation. You probably already know that a residential building itself can be depreciated over 27 and a half years. That works out to 3.6% of the value each year that can be depreciated or written off on your taxes, right? Well, what if there were portions of your building that you could write off faster, like over just five years, meaning 20% of their value each year you can, and others over seven years, meaning 14% of their value each year you can. And there's 15 year items as well. All right, so what if, instead of all that, you could take those five seven and 15 year components and just write them all off in the first year of ownership, so that you didn't even have to wait the five seven in 15 years, you can, you can write them all off in year one of your ownership of the property, and that is what 100% bonus depreciation is right there. That is in addition to writing off the main building over 27 and a half years. All right, with that understanding generally, let me break this down in more detail. Use an example, and that will also help reinforce what I just taught you, the components of rental property that bonus depreciation applies to, include the stuff that wears out faster than the building, and they are indoor items, appliances, flooring and cabinetry. At times, it can include HVAC systems, all right, that is written off in five to seven years. And then outdoor items known as land improvements, that includes fences, parking lots and landscaping. They're typically written off over 15 years. All right, let's look at a real world example on how this can benefit you. You can use bonus appreciation on single family rentals, duplexes, fourplexes and larger buildings. Let's use an example of an apartment building that you purchase for $1.2 million one we'll say the land value is 200k that is not depreciable. So the building, the depreciable asset, has a value of $1 million you must have performed what is called a cost segregation study in order to break down that $1 million building into those erstwhile faster depreciating components. And no, you cannot do the cost seg study yourself. You need to pay a few $1,000 to hire a Cost Segregation engineer to do this study. All right, let's look at the cost seg breakdown, the result of what he or she finds for you, let's say the personal property that's worth 150k its recovery period is five to seven years, and yes, it is eligible for bonus depreciation. Then you have the land improvements say that's another 50k over 15 years for a recovery period. And yes, it is bonus depreciation eligible. And then finally, you have the structure, or the building worth 800k It has a recovery period of 27 and a half years. No, it is not eligible for bonus depreciation, just the regular type. All right. Well, let me define more of this personal property for you here these five or seven year assets, these are what are eligible for 100% bonus depreciation in qualifying years. So we're looking inside the units, appliances like refrigerators, ovens, dishwashers, microwaves, washers and dryers, also flooring, carpet, vinyl and removable floating floors, not typically hardwood or tile, cabinetry and countertops in some cases, especially if they're not load bearing. Window treatments like blinds, drapes and curtain rods, ceiling fans and light fixtures, they've got to be detached from the structure and furniture, if it's a furnished rental, like perhaps a midterm rental or short term rental. So we're talking about things like beds, couches, in chairs and then in common areas. This five to seven year personal property includes fitness equipment in the gym, leasing office, computers, desks, chairs, clubhouse furniture or TVs, package lockers, like places where your tenants have their Amazon packages, playground equipment and trash compactors. All right, to be clear, that was all personal property that can be depreciated over five to seven years. And then there are those land improvements, the. 15 year assets also eligible for bonus depreciation, sidewalks, fencing, landscaping and irrigation, parking lots and striping, outdoor lighting, retaining walls and signage. Okay again, those are the land improvements, the 15 year items, things that are not eligible for bonus depreciation are the building structure itself, like I mentioned. That includes the roof framing, drywall foundations, and also things like elevators, structural plumbing and wiring and HVAC systems that serve the whole structure. Okay, all that stuff falls in the category of regular 27 and a half year depreciation. All right, so what is the 100% bonus depreciation effect? All right, well, your eligible amount in our example is 150k of personal property plus 50k of land improvements. That's 200k that you can deduct all in one year, rather than having to spread it over five and seven and 15 years. But all in year one of you owning the property that's 200k and again, the remaining 800k structure is depreciated over 27 and a half years. That works out to about 29k a year. This is where it gets exciting. Here we go. So your total year one depreciation, the year that you bought this asset and put it into service, with your bonus depreciation items adding up to 200k and your regular building depreciation at about 29k your total year one deduction is about $229,000 Wow, before I break that down some more and tell you about how it really helps you, let's just be really clear. How did you really get to the 200k of bonus depreciation. All right, let's say the cost segregation study allocated 80k to appliances, flooring and fixtures. Remember, they are the five to seven year items. Another 70k to common area, furniture and office equipment, that was the seven year stuff. All right, so there's 150k or personal property, and then another 50k to that outdoor stuff, the depreciable items known as land improvements, like the parking, landscaping and fencing, those 15 year items, that's how we got to 200k all bonus depreciation eligible, all fully deductible in year One under the 100% bonus depreciation rules, all right, so here it is. Here's the takeaway. You have front loaded an extra 200k of deductions in year one, and you have greatly reduced your taxable income. This is the outcome. This is the result. You just reduced it by 229k between the bonus appreciation and the regular depreciation. All right, so what is the effect of you reducing your taxable income by 229k in one year? Well, if you're in the, say, 32% tax bracket, you keep an extra $73,000 in your pocket. That's $73,000 that you would have had to send to the IRS for the next tax year. But no, you don't, and that is the power of bonus depreciation. That's how it works. Ed, and for all of you that asked about it, I know it's not that simple, and there were a lot of numbers flying around there, it got a little heavy, but that's a complete breakdown. That's why so many people are excited about the return of 100% bonus depreciation, as laid out in law with the one big, beautiful Bill Act, as you can see, it's going to help higher income people more than anyone. If you'd like to get this going and connect with GRE recommended Cost Segregation engineer, or just check and see if it's worth paying several $1,000 for the cost segregation study, we can help you with that. In fact, you might remember that I interviewed him on the show last year, and we will make that introduction for you and help ensure that you have a successful cost seg and bonus depreciation experience regardless of the size of your portfolio, even if you don't own million dollar apartment buildings. You don't have to have a huge income for this to benefit you. It just benefits those people the most. Well, you can set up a time to chat with us about that completely free of charge at GRE investment coach.com I think you know that's where you can also get a completely free strategy session about growing your overall real estate investment portfolio. You might as well do that at the same time at GRE. Investment coach.com. More next, I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  25:07   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaley Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  25:39   You know what's crazy your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom family investments, liquidity fund. Again, text family to 66866,   Blair Singer  26:49   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  27:07   welcome back to get rich Education. I'm your host, Keith Weinhold, if you have a listener question that you'd like to have answered on air, get a hold of us at get rich education.com/contact that's where you can either leave a voicemail or write in to us. I'd like to tell you the frequent guests that we have here on the show, all from the rich dad school, if you will, are going to be speaking in person at Penn State University in just a few weeks. Here it is on the 29th of this month. Yes, an event you can attend in person. It's going to be Robert Kiyosaki, Garrett Sutton and his son Ted Sutton and Tom wheelwright, the four of them speaking live and in person, sponsored by Penn State's Borrelli Institute for real estate studies. The event is named Rich Dad revealed Real Estate Wealth and wisdom. If that's of interest, look it up and check it out. From listening to the show and being a savvy investor that's inflation aware, you know that the mission is to turn a really fake asset, a conjured into existence asset, like $1 convert that into a real asset. Here is some astonishing clarity on why. That's the mission in this could leave you flabbergasted. Since 1980 The United States has one and a half times more homes, two times more gold today, and 42 times more dollars today. My gosh, that is almost laugh out loud material here. Yes, since 1980 the year that Jimmy Carter was president and Star Wars, The Empire Strikes Back, was the top grossing movie. The US has 56% more residential housing units today. So basically, since the year that Darth Vader told Luke Skywalker, I am your father, there are about one and a half times more homes, twice as much gold mined and brought into existence, and 42 times more dollars created out of thin air for the future, all of these trends are expected to continue at roughly the same trajectory and proportion to each other. Now, there's a reason that people use precious metals to measure inflation. It makes a particularly good measuring stick because commodities like gold, silver, platinum, palladium, rhodium and copper, they don't change over time. Unlike a car or a bottle of soda, these items are on the periodic table of the elements, an ounce of gold 1000 years ago is exactly the same. As an ounce of gold today. That's why commodities like this are such good long term inflation measuring sticks. And then there's Bitcoin, something that didn't even exist until 2009 there will only ever be 21 million of them in existence, and 95% of Bitcoins, about 20 million have already been mined into existence. So yes, only 5% more will be issued, and it's going to take about the next 100 years to do that. If bitcoins were the size of a quarter, all 21 million of them could fit inside a single shipping container. There's some fixed supply scarcity. Let's listen to this. It's about 30 seconds long, and it's called all there will ever be.   Speaker 2  30:50   Every day the Fed prints an average of $465 million that's 26,000 shipping containers a year, created out of thin air. Maybe that's why the dollar loses value over time. But there's one thing they can never print more of Bitcoin at the size of a quarter. This is all there will ever be. Shouldn't the store of value hold its value?   Keith Weinhold  31:16   That's actually a Coinbase video advertisement that we just listen to the audio of there together. Yes, what they show at the end is a shipping container where, if bitcoin were the size of a quarter, all of them that will ever exist would fit in one shipping container. And like it said, every single year, on average, the Fed prints enough dollars to fill 26,000 shipping containers, just staggering. There are so many dollars now, I'm thinking of replacing my insulation with stacks of ones. Same R value, better liquidity. Pretty soon, we won't count dollars anymore. We'll just weigh them. Welcome to the Zimbabwe starter kit. We have gone from sound money to clown money. That's another way to think of it. Oh, they say money doesn't grow on trees. That's true. It grows in spreadsheets. Now, though, one keystroke at the Fed and poof, there's another trillion just like that. Just hit the control, plus the print key. That's all it takes. All right. Well, let's take a look and see how this manifests in your life as a consumer and as a real estate investor and as a worker since January of 2020 to today, a $100,000 salary has the same buying power as 125k today. Guess over just the last five years, the dollar has lost 25% of its value, and now I'm talking in terms of the CPI here, the consumer price index. So of course, all these figures I'm using could really be higher, like we say, therefore these figures are only the inflation rate that the government is willing to admit to. How does this break down by region? So yes, we have 25% national inflation over five years, but different regions have different rates of inflation, including the region where you are, and this is due to reasons like climate and the composition of industries and even cultural preferences. For example, a southern climate with a lot of air conditioner use spends more on electricity. So if electricity costs are high there, then that region's inflation rate could be higher than that of a northern climate. A place like Omaha, Nebraska is proximous to a lot of agricultural crops and beef, but a place far from where those items are sourced could be more sensitive to changes in beef prices or less sensitive. So over the past five years, here's how much annual inflation in these select cities have experienced again, per the CPI from lowest to highest San Francisco is just 3.3% per year. So in San Fran your 100k salary in 2020 would need to be almost 118k today just to maintain purchasing power. New York City, 3.9% annual inflation over the last five years. Chicago, 4.2% Philly, 4.3 Seattle is at 4.8 Dallas, Fort Worth 4.9 St Louis, 5% Atlanta, 5.1 Miami, 5.4 we're really getting up there now. Phoenix, 5.9 San Diego, 6.1 and the major. Major city with the highest inflation rate over the past five years is Tampa, Florida, at 6.4% annually, Tampa's had some of the highest real estate appreciation over the past five years as well. So this means that a 100k salary five years ago in Tampa would have to be 128k today just to maintain purchasing power due to its 28% cumulative inflation the past five years. But that's the CPI. The real figure could be 40% plus in Tampa. All right, now this information is useful, because even if you believe that the CPI is understated, which most everyone that's looked at it does, as long as the methodology is consistent, you can see the regional variation here. Again, San Francisco was lowest at 3.3 Tampa about double at 6.4% the ever present force of inflation. It's merely surreptitious, until you have a big wave of it peaking in 2022 that everyone noticed. Let's look at how it's contributed to the real estate price run up since 2020 All right, so in the first quarter of this century, you might find this unbelievable in itself, in the year 2000 the median priced Florida home was 195k I mean, that's the median price. Then the investor sweet spot is usually lower than that. It might have been 130k in Florida in the year 2000 so again, 195k in Florida for the median home price as recently as 2000 today, it is 412k gosh, almost as surprising in Texas, It was just 153k in 2000 and it's 338k now, I mean, don't these prices like 153k in Texas, make it seem like the price for a dog house already, New York, 276k up to 576k Also from the year 2000 to today, Washington, DC, 293k up to 643k Colorado, 377, up to 582k Florida, more than doubling 393, up to 833 And Washington State also more than doubling 313k up to 630k my gosh, price increases like this. They're a function of both monetary inflation and appreciation, and it's really a chief reason that the Fed has not cut interest rates this year. It's because the memory of soaring inflation is still much too recent.     Keith Weinhold  38:05   To review what you've learned on this week's episode. Changes to realtor fees have made less industry impact than many expected. The smaller your down payment, the more powerful your leverage fulcrum. The return of 100% bonus depreciation has many investors, and even non investors, interested in adding income property to their portfolio, and staggering inflation is a motivator for adding real assets to your life. Hey, if you would, I would love it, and it would mean the world to me. If you found this episode valuable enough that you would share it with a friend. I put a lot of thought into it, just like I do every single week, friends are probably going to find explanations about realtor fees and bonus depreciation highly helpful this week, you can either share the episode by word of mouth or take a screenshot of this episode and put it on your social media. You might want to write out that it's get rich education in your social posts, because it only shows GRE on our podcast, cover image in some views. Thanks for telling a friend about the show. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  39:23   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  39:47   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got paywalls and pop ups and push Notes. Vacations and cookies, disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video course, it's all completely free. It's called The Don't quit your Daydream. Letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text gre to 66866   Keith Weinhold  41:02   The preceding program was brought to you by your home for wealth building, getricheducation.com.

This podcast episode explains the forthcoming evolution of the Education on Fire podcast, as I, Mark Taylor, prepare to embark on an exciting new chapter with esteemed educator Professor Dr. Ger Graus OBE. Central to our discussion will be the exploration of innovative educational theories derived from Ger's autobiography, focusing on the concepts of connection, extension, and challenge in the learning process. We aim to illuminate the distinction between merely imparting knowledge and fostering genuine understanding, thereby empowering children to aspire to their fullest potential. Additionally, I express my profound gratitude to our longstanding sponsor, the National Association for Primary Education, whose unwavering support enables us to advance our mission of transforming educational experiences. As we anticipate our return on September 8th, I encourage our listeners to engage with us and share their thoughts on how we can best serve the educational community moving forward.Takeaways: The Education on Fire podcast serves as a platform for creative and inspiring learning globally. Listeners can expect a series of enlightening conversations focusing on educational transformation and innovation. The upcoming autumn season will feature discussions with Professor Dr. Gare Grouse on impactful educational theories. The importance of nurturing children's aspirations through exposure to diverse learning experiences is emphasized throughout the podcast. The podcast intends to explore the intersection of education and artificial intelligence to enhance learning opportunities. Listeners are invited to contribute their preferences for future episodes, ensuring the content remains relevant and supportive. www.educationonfire.com

Education is a system, and today, all systems are subject to reform efforts. Academy Fellows Michael Crow, President of Arizona State University, and Martha Bohrt, Interim Executive Director of the National Association of Schools of Public Administration and Policy (NASPAA), join host and Academy President & CEO James-Christian Blockwood to tackle a big question: How does public administration education need to change? From widening continuing education opportunities to the benefits of accreditation and independent review, these experts in the field of higher education explore the future of education, how to get there, and what it means for students across the globe. Management Matters is a presentation of the National Academy of Public Administration produced by Lizzie Alwan and Matt Hampton and edited by Matt Hampton. Support the Podcast Today at: donate@napawash.org or 202-347-3190Episode music: Hope by Mixaund | https://mixaund.bandcamp.comMusic promoted by https://www.free-stock-music.comFollow us on YouTube for clips and more: @NAPAWASH_YT

It's been a week, Neighbors. Work through me, Lord. Thank goodness that I'm around a group of people that love the same thing I love: media and the communication field. It's been helping. In this episode, I give a rundown of what has occurred at the National Association of Black Journalists (NABJ) 50th convention. I was there reppin' the Northeast chapter, as well as the NABJ Entrepreneurship Task Force. I had the opportunity to speak, moderate, conduct a meeting (all with the help of Shernay Williams, chair of the Task Force and our mentor, Brett Chambers). **a moment happened after this recording and it was excellent. I'll speak on it on the next go 'round** I also speak about how the city of Cleveland was welcoming to the organization hosting their convention there. They're screaming for more and I'm with giving it to the people! With that, most folks wasn't aware of NABJ's existence, so I spend time speaking about the importance of Black media. Last moves was spent on being a service to the underserved. It was a discussion that was touched on during a session. This thinking is important when creating a brand and it's a great way of living. This show is dedicated to my stepfather Griffin Young, Jr. I dislike 'step' in this case because he taught me everything. Rest in Power and you're truly missed. Enjoy, everyone. *********************************** For more information on NABJ Entrepreneurship Task Force: https://instagram.com/nabjetf For more information on NABJ Northeast Florida chapter: https://instagram.com/neflnabj *********************************** Follow Mr. Al Pete socials and site below: Website: https://mralpete.com Instagram: @mralpete Threads: @mralpete Facebook: Mr. Al Pete YouTube: https://youtube.com/mralpete Substack: https://substack.com/@mralpete Discord: https://discord.gg/HVZCDEPY Powered by The MPN Network. *********************************** Follow The MPN Network socials and site below: Website: https://mpn-llc.com Instagram: @mpnmanagement Threads: @mpnmanagement Facebook: The MPN Network YouTube: https://www.youtube.com/@mpnmanagement Discord: https://discord.gg/HVZCDEPY #mpnnetwork #blackpodcastnetwork #medianetwork

List of International Suicide Crisis Hotlines: https://blog.opencounseling.com/suicide-hotlines/Translifeline Suicide Hotline - 877 565 8860Translifelinehttps://translifeline.org/fundraise-for-us/Trevor Projecthttps://www.thetrevorproject.org/pflag - lgbtqa+ legal funds https://pflag.org/jointhefight/Planned Parenthoodhttps://www.plannedparenthood.org/National Association of Mental Illnesshttps://www.nami.org/get-involved/donate-to-nami/Palestine Children Relief Fundhttps://www.pcrf.net/Medical Aid for Palestinians https://www.map.org.uk/Internet Archivehttps://archive.org/donate?origin=iawww-TopNavDonateButton░MY░MEMES░IN░BIO░https://linktr.ee/memesteroftheweekFollow Bad Heroes on Bluesky:https://bsky.app/profile/badheroescast.com

Hey BA Fam! This week I’m coming to you from Cleveland, where I’m soaking up all the love (and ALL the nostalgia) at the National Association of Black Journalists Convention. It’s been a full-circle moment walking back into this space, not as a reporter for a big outlet, but as Mandi Woodruff-Santos, aka Mandi Money, host of Brown Ambition! We’re talking about: Why it’s okay to come back to spaces you’ve outgrown—just show up as your new self. How journalism and content marketing are more connected than you think. Setting BIG end-of-year money goals (even while paying down debt). My real talk convo with Alexa Claire from The Financial Diet about saving goals for the life you want. And yes—we’re also going there. I’m opening up about why I’ve been so vocal about Gaza and Sudan, how I navigate the fear of backlash, and why I believe using your voice for what matters is worth the risk. It gets emotional, BA Fam, but y’all know I’m here to keep it 100. Links & Resources to learn more about the wars in Gaza and Sudan: Sudan @sudan.updates @srcs.sd @ifrc Gaza @thepcrf @savethechildren Boycott lists & resources – [https://www.ethicalconsumer.org/ethicalcampaigns/boycotts] Find/Contact your elected officials – [https://www.usa.gov/elected-officials] Let’s Connect:IG: @brownambitionpodcast | @mandimoneyEmail: brownambitionpodcast@gmail.com We launched a Patreon!

Free Speech and Free Association are the essence of the United States, and both fell under the jackboots of politically weaponized “wokeness” here in Virginia when a realtor decided he wanted to run for city council of Staunton. What happened next reads like the script for a Daniel Craig movie as agents for his opponents found a social media post from years before in which he reposted a Biblical passage, Leviticus 20:13, that had been shared with him by Franklin Graham.  Not only was the passage used to rally opposition to his run for public office, after that election was completed they shared the passage with his business association, the National Association of Realtors in an effort to have him expelled from the organization and prohibiting him access to the real estate listings he would use to help his clients find a home. Two weeks ago the National and Virginia Association of Realtors reversed their original determination against Mr. Fauber and changed their code of ethics to only regulate speech used during a realtor conducting of real estate business. Then, on Tuesday HJuly 29th Mr Fauber's legal team from the Founding Freedoms Law Center, a division of Virginia's Family Foundation, announced that the Department of Justice had opened an investigation into the Conduct of both organizations. We sit down with Mychael Sylvester, on e of Mr. Fauber's lawyer from the Founding Freedoms Law Center to catch up of this attempt to ruin a person's life simply because you disagree with them. Keep Up With The Daily Signal   Sign up for our email newsletters:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.dailysignal.com/email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠     Subscribe to our other shows:  The Tony Kinnett Cast: https://open.spotify.com/show/7AFk8xjiOOBEynVg3JiN6g  The Signal Sitdown: https://megaphone.link/THEDAILYSIGNAL2026390376 Problematic Women:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://megaphone.link/THEDAILYSIGNAL7765680741 Victor Davis Hanson: https://megaphone.link/THEDAILYSIGNAL9809784327   Follow The Daily Signal:  X:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://x.com/intent/user?screen_name=DailySignal Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.instagram.com/thedailysignal/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Facebook:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.facebook.com/TheDailySignalNews/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Truth Social:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://truthsocial.com/@DailySignal⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  YouTube:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.youtube.com/dailysignal?sub_confirmation=1    Subscribe on your favorite podcast platform and never miss an episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Radhika Bhatt, climate career coach, recruiter, and Founder of Saathe Studio about Coaching, Creative Integration, and Making it as a Solopreneur.  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: 2:38 - Who & how we are hiring 10:49 - Interview with Bhatt Starts18:47 - Shifts in Administrations affecting the hiring process?31:57 - Hiring Advice from Bhatt36:47 - Connections through DJingPlease 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 Radhika Bhatt at https://www.linkedin.com/in/radhika-bhatt/Guest Bio: Radhika Bhatt is a climate career coach, recruiter, and founder of Saathe Studio, a climate career agency helping people find soul-aligned, impactful work. She has helped 500+ professionals—from recent grads to senior leaders—find their way to purpose-driven careers in climate and social impact. Her holistic approach emphasizes defining your north star, refining resumes and LinkedIn profiles, and also tapping into authentic career stories, cultivating regenerative networks, and strategically uncovering the hidden job market. She's currently a careers advisor with Terra.do and a part-time recruiter with Fourier, and also runs events with leading climate organizations like The Bloom and MCJ, and has spoken at NY Climate Week, DC Climate Week, Climate Careers Week, the White House, and the UN Global People's Summit. Before running her own business, she worked in various U.S. government agencies for 8 years at the intersection of technology, design, and community building.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.

In this episode of Texas County Voice, host Jody Seaborn chats with managing editor Mary Huber about the new issue of County, TAC's quarterly magazine. They cover how new state funding is helping rural counties buy ambulances, key takeaways from the 89th Legislature's regular session and a profile of Wise County Judge and new National Association of Counties President J.D. Clark. Plus, hear the story of a Texas “ghost town” that's making plans for the future. And County's cover stories now come with a voice. You can listen right here.

It's been a wild week on the legal front for former President Donald Trump and his administration, bringing a cascade of courtroom drama that's anything but routine. Right now, no case seems more pivotal than the hearing before the U.S. Court of Appeals for the Federal Circuit, where all eleven judges—an extraordinary en banc session—are sizing up whether Trump actually had the authority to impose tariffs on foreign imports without Congress signing off. This stems from the consolidated lawsuits led by V.O.S. Selections and a coalition of twelve states, who claim the tariffs drowned their businesses in costs and snuffed out competition. Lawyers for both sides have traded blows, and judges appear skeptical of the administration's broad assertion of executive power. A permanent injunction has already blocked future tariffs, but Trump's team is fighting hard to overturn it, hoping the appeals court will side with the White House. The stakes here are sky-high, not just for trade policy but potentially for the limits of presidential power.Meanwhile, in Massachusetts, a lawsuit filed last Friday by a battalion of states accuses President Trump of unlawfully targeting gender-affirming care for minors, citing executive actions that closed clinics across California, New York, and Illinois. Hospitals are reportedly halting services in response to Trump's executive order. The coalition is challenging both the lawfulness and constitutionality of these actions, and the case has swept up top federal officials, including Attorney General Pamela Jo Bondi.The legal frenzy doesn't stop there. The National Association of the Deaf is suing Trump for axing American Sign Language services during federal briefings. Their case in Washington, D.C. is making waves, demanding interpreters be restored and arguing that removing them violates disability rights and foundational First Amendment protections.Immigration has also burst onto center stage in California, with the Trump administration urgently petitioning the Supreme Court to overturn a federal judge's ban on immigration stops. The judge's order, handed down in Los Angeles, said agents can't detain people solely based on their race or the language they speak. At the core of the dispute is a massive sweep of undocumented immigrants from June, now dubbed the “largest Mass Deportation Operation” in history. Pro-immigrant groups rushed to court, arguing the raids trampled on Fourth Amendment protections. The government, for its part, insists these restrictions threaten immigration enforcement and is hoping the Supreme Court lifts the ban on these operations soon.And for those tracking every legal twist, the Trump Administration Litigation Tracker is following nearly 300 active cases across the nation, from executive orders on birthright citizenship to bans on DEIA initiatives. As rulings drop and appeals climb toward the highest courts, the next few weeks will be decisive.Thanks for tuning in. Join us again next week for more updates—this has been a Quiet Please production. For more, check out Quiet Please Dot A I.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

Today’s guest is Chandler Goule. He is the CEO of the National Association of Wheat [...]

PLC Executive Director Kaitlynn Glover discusses several topics important to public land grazers including the Senate confirmation of US Fish and Wildlife Director Brain Nesvik, the possible impacts of the latest federal court ruling of the gray wolf in western states, how PLC deals with the Bureau of Land Management despite not having a BLM director, Glover's talks at the National Association of Grasslands in North Dakota, and the Annual PLC Meeting in Flagstaff Sept. 16-18. See omnystudio.com/listener for privacy information.

Helping Physicians Better Understand the Business Valuation Models Used in the Marketplace   Guest Presenter: Chris Staples, CFP®, AIF®, Owner of Wealth 360, LLC, Buford, Georgia, United States   Host: Michael Tetreault, CGSP®   Learn More: https://wealth360advisors.com/   Recording Date: 2020   (C) Concierge Medicine Today, LLC. All rights reserved.   About   Chris Staples is the Principal owner of Wealth 360, LLC.; a fee-only Registered Investment Advisory firm located in the greater Atlanta Area. Wealth 360, LLC provides comprehensive and objective financial planning to help clients organize, grow, and protect their assets through life's transitions.   As a fee-only fiduciary and independent financial advisor, Chris Staples is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice. Chris typically works with professionals, business owners, and those near and in retirement helping to develop long-term Financial Planning strategies.   Chris holds the CERTIFIED FINANCIAL PLANNER™ designation under the Certified Financial Planning Board of Standards as well as an Accredited Investment Fiduciary® designation through Fi360. He holds a business degree from Indiana Wesleyan University and earned the Certificate of Financial Planning from Oglethorpe University.   Chris served as President of the National Association of Insurance and Financial Advisors North-Metro Atlanta Chapter [2004-2005]. From 2010-2012 Chris served on the Board of Directors with the Financial Planning Association as the ProBono Chair.   WEB SITE: https://wealth360advisors.com/   LEARN MORE, Connect With Chris directly at: https://www.linkedin.com/in/stapleschris/   Disclaimers: This content is for educational purposes only and does not provide medical, financial, legal, or professional advice. Concierge Medicine Today, LLC (CMT) is not liable for errors from guest contributions. Users should consult reliable advisors before making decisions. By using this content, you agree to CMT's Terms and Conditions and Privacy Policy, releasing CMT from liability. CMT may remove content without notice, and guest interviews do not imply endorsement. Users assume all related risks. Thank you.

Brielle Cotterman is an Inc. 5,000 speaker, Contributor at Entrepreneur, Activist Against Domestic Violence, Publicity Expert, Founder of the Influential Leader Agency, and President of CEO School. She has spent nearly fifteen years helping clients craft and scale Dream careers to multiple 7 figures and beyond by building world-renowned personal brands and leveraging their stories to create speaking tours, author award-winning books, procure media placements, and inspire millions. She is a survivor of attempted murder and domestic violence and an advocate for a world where intimate partner abuse is not tolerated and survivors are met with empathy. Her clients are regularly featured in Inc., Forbes, Fast Company, Martha Stewart Living, Cosmopolitan, and many more! She is a graduate of Indiana University in Bloomington, a World's Grand Champion Equestrian, former National Spokesperson for multiple charitable organizations, Former Title Holder and Director within the Miss America Organization, Member of The Public Relations Society of America, Member of the Association of Image Consultants International, 2019 Epic Award Nominee from the National Association of Women Business Owners and named a finalist for 2023's Most Admired Woman Entrepreneur by Today's Woman Magazine. Brielle has been married for 5 years to the love of her life and owns & operates a horse farm, where she lives with her husband, three children, 12 horses, a mini cow, and two dogs.Connect with Brielle here:https://www.linkedin.com/in/brielle-cotterman-8891a5128https://www.facebook.com/briellecotterman/https://www.briellecotterman.com/Take our business assessement here:https://www.magpaiassessments.com/4043/0

Pelvic binders have long been considered a standard intervention in the management of suspected pelvic fractures in the prehospital setting. However, recent guidance from the National Association of EMS Physicians (NAEMSP) challenges some of the long-standing assumptions surrounding their use. In a recent FOAMfrat podcast episode, I spoke with Dr. John Lyng, editor-in-chief of the NAEMSP Trauma Compendium, to explore the evidence and rationale behind their newly released position statement on pelvic fracture management.

Since its 2014 founding, The Marshall Project has changed how the media covers criminal justice, shifting from traditional crimes and court coverage to covering the system itself, along with abuses and malfeasances inside the publicly funded structures. The Marshall Project garnered major recognition, including two Pulitzers and a Peabody, and in 2022, opened its first local newsroom here in Cleveland, Ohio.rnrnThe Marshall Project--Cleveland has been responsible for a number of notable successes, including drawing attention to a sitting judge who was improperly steering divorce cases to a friend and spotlighting deaths inside the Cuyahoga County jail. Now, The Marshall Project is using the Cleveland newsroom as a model for other communities, expanding its local coverage to Jackson, Mississippi, and St. Louis, Missouri.rnrnAs our community hosts the annual convention of the National Association of Black Journalists, we bring some of the journalists leading The Marshall Project nationally and locally to our stage to talk about their work, their impact, and their plans for the future.

The National Association of Black Journalists convenes in Cleveland as the U.S. president wages war on what the association stands for Learn more about your ad choices. Visit megaphone.fm/adchoices

Highlights from this episode: Sleep Hazards Solar Panel Hazards  Sports Fields An Appeal to the UN Intro and outro music by Doctor Turtle Sponsored by The National Association of Innovative Lighting Distributors visit https://naild.org/Headlines and Sources can be found at RestoringDarkness.com

We may be entering a new school year, but we are keeping a bad trend going for students nationwide: vaping. Vape companies are still targeting kids with fun flavors, built-in video games and massive doses of nicotine. We spoke with Kate King, Immediate Past President of National Association of School Nurses, about the latest statistics and why vaping is still a growing problem. For more information: https://www.fda.gov/tobacco-products/youth-and-tobacco/results-annual-national-youth-tobacco-survey-nyts Image Credit: Getty Images

What happens when pet sitters and independent veterinarians start working together more intentionally? Dr. Christie Cornelius, Director of the Independent Veterinary Practitioners Association, joins the show to discuss the unique challenges and strengths of independently owned veterinary practices. She explores how pet sitters can play a pivotal role in improving pet health outcomes through strong communication and observation. The conversation covers evolving veterinary trends, AI integration, and practical ways to establish partnerships between sitters and clinics. Dr. Cornelius shares how trust, storytelling, and showing up consistently can build lasting community relationships. Main Topics Independent veterinary clinic challenges Pet sitter-veterinarian collaboration AI in veterinary care Building trust and communication End-of-life and hospice pet care Main takeaway: “What they want is they want to be invited into your mission, and they want to participate in that, and then showing them how care is actually a collective act builds those lasting bonds.” As pet sitters, we often feel like we're doing it all on our own. But the truth is, the most powerful care happens when we collaborate. Pet parents are craving connection and clarity—they want to know that their sitter, their vet, and everyone involved in their pet's life are on the same page. When we open the door to cooperation, we don't just lighten our load—we build bonds that benefit the pet most. Invite others into your mission. That's where the magic happens. About our guest: Dr. Christie Cornelius is a veterinarian with over two decades of experience, currently serving as the Director of the Independent Veterinary Practitioners Association. After founding Texas's first water-based pet cremation and home hospice care business, she sold her practice to help launch BluePearl's national pet hospice program. Now, she focuses on consulting and empowering other independent vets through leadership, business strategy, and community collaboration. Based on Galveston Island, Dr. Cornelius also provides in-home veterinary services in her local area. Links: https://www.iveterinarians.org Check out our Starter Packs See all of our discounts! Check out ProTrainings Code: CPR-petsitterconfessional for 10% off

Let's talk about what happens when we stop chasing perfection and start showing up fully. In this personal episode, I'm sharing my journey with my port wine stain birthmark and how going all-in on authenticity, no makeup, no filter, transformed not only my confidence but the way people connect with me. This isn't just about TikTok views (though there were millions!), it's about the messages I received that reminded me of this truth: people don't connect with perfection. They connect with real.Join our exclusive email list and unlock even more valuable insights, expert advice, and bonus content to enhance your relationship superpowers. —sign up HERE today!Connect with Barb BettsInstagram: @barbbettsFacebook: @barbarambettsYouTube: youtube/@barbbettsWebsite: www.barbbetts.comLet's Stay in Touch!https://www.liinks.co/barbbettsBarb Betts is a sought-after keynote speaker, seasoned real estate expert, passionate educator, and the CEO of The RECollective, a thriving boutique brokerage in Southern California. Barb has delighted countless stages including, Inman Connect, WomanUP!, and at the National Association of REALTORS® Annual Conference. Whether she's teaching on referrals, authenticity or leveraging relationships, Barb brings an honest, compassionate, and transparent approach to every single stage. As a real estate professional, with over 20 years experience, Barb has mastered the ever changing real estate landscape and the balance of running a vibrant brokerage. Through her signature course, Real Estate By Relationship®, Barb educates business builders on the exact systems, proc...

Bob Bertog, president of Bertog Landscape Co. in Wheeling and a certified landscape professional with the National Association of Landscape Professionals, joins John Williams to answer all of your lawn and garden questions.

Bob Bertog, president of Bertog Landscape Co. in Wheeling and a certified landscape professional with the National Association of Landscape Professionals, joins John Williams to answer all of your lawn and garden questions.

Hi, It's Michele! Send me a text with who you want as a guest!This episode is brought to you by:Lutron and KetraOn behalf of Lutron, thanks for listening. If you'd like to learn more about our product portfolio, visit Luxury.Lutron.com. If you are a specifier, you can also download our free Luxury Experience app for design partners on iPad here.Lutron Ketra contact:Alex TomiczekSales Supervisor | South CentralResidential Systems Consultant – A&DLutron Electronics Co., Inc.atomiczek@lutron.com(484) 560-7096AND Apple for Architectshttps://appleforarchitects.com/ https://www.facebook.com/appleforarchitects/https://twitter.com/appleforarchHave you ever wondered what the story was behind Energy Star?  Well listen to this great podcast with Peter Pfeiffer, FAIA Architect of Barley Pfeiffer Architecture and I as we discuss the history of sustainability in the Austin area which became a leading metric for energy savings today. Link to blog for more text and images:https://inmawomanarchitect.blogspot.com/2025/08/interview-with-peter-pfeiffer-faia-of.htmlBarleyPfeiffer.com 1800 West 6th Street, Austin, Texas 78703 512.476.8580https://www.barleypfeiffer.com/ Peter Pfeiffer, FAIA is a renowned architect, building scientist, author, andsustainability pioneer with over four decades of experience. As the founding principal of Barley|Pfeiffer Architecture, he has led the firm to national recognition for its innovative, climate-responsive designs. A passionate advocate for green building, Peter has beennstrumental in shaping industry standards through his le adership roles in government, professional organizations, and academia.  His commitment to making sustainable design accessible to a wider audience has earned him widespread acclaim. With a comprehensive understanding of the built environment, Peter has been published in the Washington Post, New York Times, Fine Homebuilding and featured on the Discovery Channel and National Public Radio. Peter has been honored as the "National Green Advocate of the Year” by the National Association of Homes Builders and named the “Green Superhero of the Year” recently at the International Building Show.Link to MGHarchitect: MIchele Grace Hottel, Architect website for scheduling a consultation for an architecture and design project and guest and podcast sponsorship opportunities:https://www.mgharchitect.com/

July 22, 2025 - In this meeting, the Bipartisan Commission on Biodefense explores: (1) core requirements for effective national biodefense; (2) Administration biodefense priorities; (3) impacts of department and agency realignment; and (4) strategies for addressing future biological threats.   Speakers include: Michael Place, MD (Major General, US Army – Retired) – Former Chief of Staff, Office of the Surgeon General, US Army Command, US Army Erica Pan, MD, MPH – Director and State Public Health Officer, California Department of Public Health Alex Hamberg, VMD, PhD – State Veterinarian, Pennsylvania Department of Agriculture Clint Osborn – Director, District of Columbia Homeland Security and Emergency Management Agency Lori Tremmel Freeman, MBA – Chief Executive Officer, National Association of County and City Health Officials Tina Tan, MD, FIDSA, FPIDS, FAAP – President, Infectious Disease Society of America Ali S. Khan, MD, MPH – Dean, College of Public Health, University of Nebraska Medical Center Richard J. Hatchett, MD – Chief Executive Officer, Coalition for Epidemic Preparedness Innovations Matthew Hepburn, MD – Executive Vice President, Research and Development, Panther Life Sciences Leonard J. Marcus, PhD – Co-Director, National Preparedness Leadership Initiative, Harvard University Taylor Sexton, MPH – Executive Director, Medical Countermeasures Coalition David Stiefel, MA – Director, Global Biological Policy and Programs, Nuclear Threat Initiative Joe Buccina, MA, MS– Policy and Research Director, National Security Commission on Emerging Biotechnology Patricia R. Bright, DVM – Former Senior Science Advisor, One Health/Global Health Security, US Geological Survey Learn more here: https://biodefensecommission.org/events/biodefense-in-crisis-danger-and-opportunity/  

Bob Bertog, president of Bertog Landscape Co. in Wheeling and a certified landscape professional with the National Association of Landscape Professionals, joins John Williams to answer all of your lawn and garden questions.

The investigator is now being investigated. Former Special Counsel Jack Smith, who led two of the four criminal cases against then former President Donald Trump, is under scrutiny over allegations he was politically targeting the President. James Trusty, former federal prosecutor and former Trump attorney during the Jack Smith investigations, joins the Rundown to discuss the latest investigation. Home price listings have reached a new high, over $435,000 for the median U.S. home, according to the National Association of Realtors. As housing sales slow, it's one of the things on President Trump's mind when he emphasizes the need for interest rates to come down. Real estate broker and star of 'Million Dollar Listing New York,' Kirsten Jordan, joins the show to discuss rising mortgage rates, the financial temptation to rent, and why younger buyers are facing issues which older generations did not. Plus, commentary from the host of “Tomi Lahren is Fearless" on Outkick, Tomi Lahren. Photo Credit: AP Learn more about your ad choices. Visit podcastchoices.com/adchoices

We can no longer ignore these tough conversations about money. If you're an entrepreneur, an immigrant, or first generation, money is one of the many ways we can protect ourselves and get ahead. With some key changes, we can set ourselves and our community up for greatness. And if we're going to get serious about our money, we need to talk to a professional.    Lyanne Alfaro is an award-winning journalist and storyteller shaping the conversation around technology, business, and entrepreneurship—especially through the lens of Latino impact. With the Latino GDP now at $3.6 trillion, she's passionate about elevating this community's influence via her platform, Moneda Moves, which includes a newsletter and podcast. Her work has been featured in Yahoo! Finance, Remezcla, and on global stages like the United Nations. Lyanne built her reporting career at CNBC, Business Insider, and NBC Latino, where she spotlighted underrepresented founders and helped her team earn the Best in Business Award. At Nasdaq, she hosted flagship shows, launched the company's first podcast, and coached founders on media storytelling. Recognized as an Inspiring Fintech Female in 2020, she also serves on the boards of the National Association of Hispanic Journalists NYC and the Chicago Journalists Association. Based in her hometown of Chicago, she continues to amplify Latino business voices, shaping the future economy.   In this week's episode, we talk about entrepreneurship, immigration &the economic truths we need to talk about. This conversation is incredible because we covered so many topics - the good, the bad, and the action items we need to build ourselves up. Lyanne is a journalist, which means she isn't pulling any punches about the state of the country right now. It's looking rough, but we can't back down. There is so much we can do, and in this week's episode, we're going to cover how we can protect ourselves and use our collective power.  Follow Lyanne on: IG: @lyannealfaro IG: @monedamoves LinkedIn: Lyanne Alfaro Website: https://www.monedamoves.com/  The Moneda Moves Podcast    Follow Erika on: Instagram @‌theerikacruzTikTok @‌theerikacruzLinkedIn Website: http://www.theerikacruz.com How to work with Erika: Join the waitlist for the Courage Driven Latina program here! Join the waitlist for the Magnetic Mastermind here.   Podcast production for this episode was provided by CCST, an Afro-Latina-owned boutique podcast production and copywriting studio.   

Kevin Sabet is President and CEO of the group Smart Approaches to Marijuana. He was in New Hampshire to talk to the National Association of Attorneys General about the impact of America's mass experiment with the commercial marijuana industry. His first book was called Reefer Sanity: Seven Great Myths About Marijuana, and he talks to NHJournal's Michael Graham about how New Hampshire's decision to stay out of the pot business may put it at the forefront of new thinking regarding legal weed.Graham also gives a shout out to the New Hampshire progressives who've taken a break from chanting "Globalize the Intifada" and "From the River to the Sea" to denounce the handful of neo-Nazis who showed up at the state house.Plus -- Why are your energy bills so damn high?Sponsored by Perfect Smiles of Nashua.To support NHJournal and its content as a "subscriber," please click here to kick in $4.99/month. 

The investigator is now being investigated. Former Special Counsel Jack Smith, who led two of the four criminal cases against then former President Donald Trump, is under scrutiny over allegations he was politically targeting the President. James Trusty, former federal prosecutor and former Trump attorney during the Jack Smith investigations, joins the Rundown to discuss the latest investigation. Home price listings have reached a new high, over $435,000 for the median U.S. home, according to the National Association of Realtors. As housing sales slow, it's one of the things on President Trump's mind when he emphasizes the need for interest rates to come down. Real estate broker and star of 'Million Dollar Listing New York,' Kirsten Jordan, joins the show to discuss rising mortgage rates, the financial temptation to rent, and why younger buyers are facing issues which older generations did not. Plus, commentary from the host of “Tomi Lahren is Fearless" on Outkick, Tomi Lahren. Photo Credit: AP Learn more about your ad choices. Visit podcastchoices.com/adchoices

Learn more about the role of Clinical Nurse Specialist, and how these individuals can drive positive outcomes for patients. Guest Laura Mack, MSN, RN, CNL, HF-CERT, PCNA's Heart Failure Prevention 2025 awardee, describes a nurse-led process improvements for patients with heart failure that yielded substantial progress in reducing rehospitalizations and mortality.PCNA Heart Failure Prevention Award: pcna.net/career-development/awards-grants/heart-failure- prevention-award/AHA Get With The Guidelines: heart.org/en/professional/quality-improvement/get-with-the-guidelines National Association of Clinical Nurse Specialists: nacns.org/about-us/what-is-a-cns/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textIn this episode, I'm joined by Donna Bandelloni and Dien Yuen—two trailblazers in the world of philanthropy. We explore the evolving intersection of wealth, values, and giving—and how financial professionals can guide meaningful conversations. Key takeawaysThe changing face of philanthropy: How generational shifts are creating new opportunities and challenges.Why family dynamics matter: Philanthropy opens the door to inclusive conversations across generations.Don't be afraid of philanthropy: Your clients are already thinking about it—they just need your guidance.You don't need to have all the answers: Collaboration and listening go a long way.The role of the advisor is evolving: Learn how the Impact Philanthropy Advisor Certificate empowers you to support your clients at a deeper level.What's your impact? How to define, deepen, and align your practice with purpose.If you're a financial advisor, planner, or coach—this episode will challenge you to rethink how you support clients on their giving journey. It's not about being an expert—it's about showing up, asking better questions, and helping them create lasting impact.Connect with Dien Nguyen:LinkedInDaylight WebsiteDaylight LinkedInDaylight InstagramDaylight BlueSkyDaylight YouTubeConnect with Donna Bandelloni:LinkedIn:(here)Bios: Dien Yuen, JD, LLM, CAP®, AEP®, IPA is the Founder and CEO of Daylight. Dien also serves as the lead faculty for philanthropy at Singapore's Wealth Management Institute (WMI), where she was instrumental in launching Asia's first professional philanthropic certification program. She was inducted into the 2023 National Association of Charitable Gift Planners (CGP) Hall of Fame and recognized for her academic leadership with the Distinguished Faculty Award from WMI. Previously, Dien founded the Center for Philanthropy and Social Impact at The American College of Financial Services, where she also developed and taught courses in the Chartered Advisor in Philanthropy® (CAP®) program as the Blunt-Nickel Professor in Philanthropy.  Dien's early career included senior roles in wealth management and global development organizations.Donna Bandelloni is an experienced gift-planning consultant dedicated to building and sustaining nonprofit organizations by advancing their mission through legacy gifts. She has served as a director of gift planning for leading healthcare organizations and senior director and director of charitable gifts for world-leading financial institutions for more than 25 years. In addition, Donna held VP director positions at large financial institutions such as Merrill Lynch Trust, Wells Fargo Charitable Management, and BNY Mellon Wealth Management, where she successfully expanded charitable services across the United States to the nonprofit sector. Director of Gift Planning, California Pacific Medical Center FouSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

The investigator is now being investigated. Former Special Counsel Jack Smith, who led two of the four criminal cases against then former President Donald Trump, is under scrutiny over allegations he was politically targeting the President. James Trusty, former federal prosecutor and former Trump attorney during the Jack Smith investigations, joins the Rundown to discuss the latest investigation. Home price listings have reached a new high, over $435,000 for the median U.S. home, according to the National Association of Realtors. As housing sales slow, it's one of the things on President Trump's mind when he emphasizes the need for interest rates to come down. Real estate broker and star of 'Million Dollar Listing New York,' Kirsten Jordan, joins the show to discuss rising mortgage rates, the financial temptation to rent, and why younger buyers are facing issues which older generations did not. Plus, commentary from the host of “Tomi Lahren is Fearless" on Outkick, Tomi Lahren. Photo Credit: AP Learn more about your ad choices. Visit podcastchoices.com/adchoices

New figures revealed that a total of 380 out of the 722 post primary schools have applied for funding under the government's phone pouch scheme.The initiative sparked criticism at the time and Opposition parties labelled it “wasteful” and “unnecessary”.To discuss this, Kieran is joined by Conor Murphy, English Teacher in Skibbereen, Paul Crone, Director of The National Association of Principals and Deputies and later Eoghan Kenny, Labour Spokesperson for Education and Youth.Image: Yondr

In this episode, we dive into a harrowing story of a bear attack on a popular hiking trail in Anchorage, Alaska, involving a 67-year-old woman. She is attacked and dragged into the dense wilderness but manages to call 911. With her life hanging in the balance, cutting-edge drone technology is deployed to find her. We explore the specifics of the rescue operation, the capabilities of search and rescue drones, and how modern technology is revolutionizing wilderness rescues. The episode also highlights the importance of preparation, the effectiveness of bear spray, and survival tips for anyone finding themselves in similar situations. Join us as we unravel this remarkable story of survival and technological innovation in the wilderness. 00:00 A Peaceful Hike Turns Deadly 00:19 The Terrifying Bear Encounter 01:06 The Aftermath and Rescue 01:45 Julie's Alaska Experience 04:10 The Dome Trail Description 08:11 The Bear Attack Details 15:54 The Rescue Operation 20:13 The Role of Technology in Rescue 25:11 The Search for the Bear 26:59 The Importance of Public Safety on Popular Trails 28:22 The Role of Technology in Modern Search and Rescue 29:07 The Evolution and Accessibility of Drone Technology 30:05 The Future of Search and Rescue Operations 35:47 Bear Spray vs. Firearms: Effectiveness in Bear Encounters 37:14 The Psychological Impact of Bear Attacks 38:19 Balancing Public Access and Wildlife Protection 39:48 Surviving Bear Attacks: Tips and Strategies 42:55 Final Thoughts and Practical Advice   Listen AD FREE: Support our podcast at patreaon: http://patreon.com/TheCruxTrueSurvivalPodcast Email us! thecruxsurvival@gmail.com Instagram https://www.instagram.com/thecruxpodcast/ Get schooled by Julie in outdoor wilderness medicine! https://www.headwatersfieldmedicine.com/ Primary News Sources - Alaska Bear Attack Anchorage Daily News - Hiker mauled by brown bear in Anchorage's popular Basher Trail area Alaska's News Source - Bear mauling sparks large rescue response near Anchorage trailhead Fox News - Alaska hiker mauled by bear rescued with help of advanced drone technology on remote trail Alaska Public Media - Brown bear mauls hiker on Dome Trail in Anchorage Search and Rescue Drone Technology DJI Enterprise - Search and Rescue Solutions UAV Coach - Search and Rescue Drones: An In-Depth Guide IEEE Public Safety Technology - How Drones Are Revolutionizing Search and Rescue DHS Science and Technology - First Responders Assess Drones for Search and Rescue Missions Professional SAR Organizations DRONERESPONDERS - Global network of drones in public safety National Association for Search and Rescue (NASAR) Search Investigations - Thermal Drone Services Training and Certification DARTdrones - Search and Rescue Drone Training Course Drone Pilot Ground School - Public COA vs. Part 107 Certification Technical Resources Alaska DOT - Public Safety Drone Playbook DJI Enterprise Study - Drone Efficacy in Search and Rescue Scientific American - How Drones Are Revolutionizing Search and Rescue Wilderness Safety Resources Washington Trails Association - A hiker's guide to drones and unmanned aircraft systems US Forest Service - Recreational Drone Tips Outside Magazine - Why Drones Are the Future of Outdoor Search and Rescue Academic and Research Sources PubMed - Using an Unmanned Aircraft System (Drone) to Conduct a Complex High Altitude Search and Rescue Operation: A Case Study Virginia Tech - Making search and rescue drone swarms a reality Science Robotics - An autonomous drone for search and rescue in forests using airborne optical sectioning

Send us a textThe real estate market is experiencing a significant shift with 71% of active agents making no sales in the last 18 months, creating both challenges and opportunities for those who can adapt to changing conditions.• 71% of active real estate agents have made zero sales in the past 18 months• The "Great Pushback" shows buyers refusing to pay inflated prices for homes• National Association of Realtors has lost approximately 440,000 members (25% of total)• Freddie Mac and Fannie Mae implementing roughly 80 rule changes, including rental history consideration for loans• Private listings debate centers on transparency versus seller security concerns• Squatter problems highlight challenges in property management and ownership rights• Successful agents must know their numbers and articulate unique value to clients• Relationship-building and referrals becoming increasingly important in the current market• Interest rates still high but some builders offering reduced rates (around 6.5% or lower)• Market shifting from seller's market to more balanced conditionsSupport the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TV Advice from experts: Don't skip the home inspection | NBC4 WCMH-TV OSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TV How to save money by winterizing your home | NBC4 WCMH-TV Continuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course lis...

On today's show we are talking about the softening of the residential housing market that is underway across both the US and Canada. The seasonally adjusted numbers are in for the month of June which now shows four months of steady decline compared with the previous months. Again, we need to remember that these are seasonally adjusted numbers. The June numbers are still about 2% higher than the same period in 2024. This is true for the top 20 primary markets across the US as well as the national averages. The numbers are pretty consistent for both the Case Schiller report as well as the National Association of Realtors. The national home builders are also experiencing falling demand. New single family home sales have fallen by 6.6% in the first six months of 2025. Home builders have tried to adapt to the falling demand by building smaller and more affordable homes. But sales have fallen even with these adaptations to market demand. ----------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

The real estate industry has a reputation problem, and Gregg Costin knows it firsthand. As a former Air Force combat systems officer turned real estate agent, he brings a unique perspective to an industry plagued by low barriers to entry and questionable ethics. His journey from being burned by unethical agents to becoming "a realtor for people who hate realtors" reveals the systemic issues plaguing the real estate market.His military background and personal real estate investment experience give him the expertise to negotiate aggressively while educating clients on the complex financial mechanics of home buying. From saving clients over $100,000 on purchase prices to helping them navigate mortgage shopping and VA loan benefits, his approach prioritizes client education over quick commissions.This episode exposes the financial education gaps that leave homebuyers vulnerable to costly mistakes and provides practical strategies for finding ethical representation. Whether you're a first-time buyer or a seasoned investor, this conversation will change how you approach real estate transactions and agent selection.The Low Barrier Problem: The real estate industry's minimal licensing requirements attract unqualified agents who lack essential knowledge in contract law, finance, and property evaluation. Agents should be experts in mortgages, economics, and market dynamics—not just door openers.Mortgage Education is Critical: Most buyers don't understand front-loaded interest or how their mortgage structure impacts long-term costs. If you can't explain how your mortgage works, your agent failed to educate you properly. Understanding these mechanics can save hundreds of thousands over the life of the loan.The NAR Lawsuit Impact: The recent National Association of Realtors lawsuit has created confusion about commission structures. While sellers are no longer required to offer buyer agent commissions on MLS listings, this change may actually make the process less transparent and more expensive for buyers who now face potential out-of-pocket agent fees.VA Loan Strategies for Veterans: The VA loan is described as "the biggest hack to wealth" for veterans, yet many don't understand how to use it effectively. This discussion debunks common misconceptions and explains how veterans can leverage this benefit multiple times for wealth building through real estate investment.Remote Real Estate Services: Nationwide referral services go beyond simple handoffs to actively vet agents, participate in negotiations, and provide ongoing education throughout transactions. This approach ensures clients receive quality representation regardless of location.➡️ Chapters00:00 - Opening: Frustration with Real Estate Agents05:00 - Military Background and Real Estate Journey12:00 - Getting Burned by Unethical Agents19:00 - The Importance of Mortgage Education23:00 - VA Loan Challenges and Bank Tactics27:00 - Current Market Trends and NAR Lawsuit36:00 - Commission Structure Reality Check43:00 - Vetting Questions for Potential Agents48:00 - "Realtor for People Who Hate Realtors"59:00 - Nationwide Referral and Vetting ServicesWhether you're buying or selling in Florida or need a vetted agent referral anywhere in the country, Gregg Costin provides the expertise and integrity missing from most real estate transactions. Contact him at (850) 266-5005, or visit www.greggcostin.com/Got Questions? Reach out to us at info@remnantfinance.com or book a call at www.remnantfinance.com/calendar !⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Send us a textThe concept of dignity—the unwavering worth within each human being—lies at the heart of our religious traditions, political systems, and human interactions. But what does it mean to respect someone's dignity, especially when society has trained us to look away?In this episode, Melissa has a conversation with Dr. Beth Sarah Wright, author of "DIGNITY: Seven Strategies for Creating Authentic Community", centered on James 3:18. They discuss human dignity and how genuine community emerges when we honor each person's inherent value. "Dignity isn't a moral imperative, nor is it a political imperative—it really is a human imperative," Dr. Wright explains. She unpacks how respect etymologically means "to look again," challenging us to see beyond our initial judgments to recognize the full humanity in others. Listen in for the full conversation.Dr. Beth-Sarah Wright is an Atlanta-based author, dynamic speaker, and strategic thought partner who inspires and drives transformation in communities, institutions, and individual lives—all while centering human dignity.As Co-Founder and Executive Director of Thrive With Dignity, LLC, Dr. Wright partners with organizations to build authentic, thriving communities. She works with a wide range of institutions—schools and universities, corporations, nonprofits, and faith communities—using her signature DIGNITY Lens©. This powerful framework, grounded in seven strategic pillars, helps organizations interrogate their practices, align with their core values, and embed human dignity into the very structures that shape daily life. More than a framework, the DIGNITY Lens© is both a leadership tool and an integrity compass—empowering communities to increase capacity, make meaningful progress, and change outcomes in sustainable ways.She is the author of seven influential books, covering topics from organizational integrity and adaptive leadership to depression, healing, and spiritual growth. Her book DIGNITY: Seven Strategies for Creating Authentic Community (2020), selected as the 2023 featured book of the year by the National Association of Episcopal Schools (NAES), along with its companion The DIGNITY Lens Workbook, offers a practical and transformative approach to leadership, strategic decision-making, and creative problem-solving. These resources have been used across sectors to conduct integrity audits and enhance alignment with mission and purpose.Support the show Follow us on IG and FB at Bishop Rob Wright.

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 Julia Gohlke, Professor of Environmental Health, Department of Population Health Sciences at Virginia Tech in Blacksburg VA about Environmental and Human Health, Shaping Risk, and Policy.   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: 2:13 - People over animals?6:15 - Interview with Julia Gohlke begins12:18 - Managing expectations with Environmental Health 22:37 - Data use in Julia's Work28:21 - Field Notes with Julia!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 Julia Gohlke at https://www.linkedin.com/in/julia-gohlke-6015731b7/Guest Bio: Dr. Gohlke is a professor in the Department of Population Health Sciences at Virginia Tech. She received a PhD from the University of Washington, School of Public Health, Seattle, WA and completed a postdoctoral fellowship at the National Institute of Environmental Health Sciences. She has authored over 90 peer reviewed publications using toxicology and spatial epidemiology methods to examine health outcomes associated with chemical exposures, living in close proximity to resource extraction sites, and heat and flood events.  She teaches courses in environmental health and risk assessment, and directs a graduate training program in rural environmental health. 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.

Welcome to Rendering Unconscious – the Gradiva award-winning podcast about psychoanalysis & culture, with me, Dr Vanessa Sinclair. https://renderingunconscious.substack.com RU357: AUTHOR DEREK HUNTER ON SHAKESPEARE, TAROT, WRITING & COLLABORATIONS: https://renderingunconscious.substack.com/p/ru357-author-derek-hunter-on-shakespeare Rendering Unconscious episode 357. Rendering Unconscious welcomes Derek Hunter back to the podcast! Derek Hunter is an author of 20 books, creator of the Love Chaos philosophy, host of Human Recovery meetings, occult practitioner, and counselor living in Los Angeles. His books explore the nature of reality in autobiographical, surrealist, realist, psychological, experimental fashion, exploring the creation of the Shakespeare Canon, the Tarot and more. His books include Anonymous Agnostic Antichrists, The Lover, The Youth, The Dark Lady, and The Human Drama series with David H. Sekulla (Illustrator). https://amzn.to/3GTlAVA Follow Derek at Instagram. https://www.instagram.com/lovechaosdh/ Follow David Sekullla: https://www.instagram.com/yetipopst_art/ Check out our previous discussion: RU299: DEREK HUNTER ON SHAKESPEARE & COMPANY, ANONYMOUS AGNOSTIC ANTICHRISTS & PASSIONATE PILGRIMS Rendering Unconscious Podcast received the Gradiva Award for Digital Media from the National Association for the Advancement for Psychoanalysis (NAAP). News and updates: On Friday, August 8th, join me for The Queerness of Psychoanalysis: Trans Childhoods and the Family Romance with M.E. O'Brien. Eventbrite: https://www.eventbrite.com/e/the-queerness-of-psychoanalysis-trans-childhoods-and-the-family-romance-tickets-1503646018719?aff=oddtdtcreator Then beginning September 13th, join me for An Introduction to Psychoanalysis! To enroll, simply become a paid subscriber to https://rucenterforpsychoanalysis.substack.com Everyone who becomes a paid subscriber for RU Center for Psychoanalysis will be atomically registered for the event on The Queerness of Psychoanalysis on August 8th (and all upcoming events in The Queerness of Psychoanalysis series) and will be enrolled for my 12 month course An Introduction to Psychoanalysis, which will meet once a month beginning September 13th! More info here: https://rucenterforpsychoanalysis.substack.com/p/join-me-for-intro-to-psychoanalysis Thank you for listening to the Rendering Unconscious Podcast and for reading the Rendering Unconscious anthologies. And thank you so much for supporting this work by being a paid subscriber at Substack. It makes my work possible. If you are so far a free subscriber, thanks to you too. Please consider becoming a paid subscriber to gain access to all the material on the site, including all future and archival podcast episodes. https://renderingunconscious.substack.com Rendering Unconscious is also a book series! Rendering Unconscious: Psychoanalytic Perspectives, Politics and Poetry volumes 1:1 and 1:2 (Trapart Books, 2024) available now! https://amzn.to/400QKR7 If you would like information about entering into psychoanalytic treatment with me or have other questions, please feel free to contact me via: vs [at] drvanessasinclair.net https://www.drvanessasinclair.net/contact/ Thank you.

GDP, Earnings and FOMC meeting Cover Art - Best Ever - Not... New term - QUISHING I gotchooo and Say less PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter INTERACTIVE BROKERS  Warm-Up - Cover Art - Best Ever - Not... - New term - QUISHING - I gotchooo and Say less Markets - What a Week! - GDP, Earnings and FOMC meeting - MORE ATHs! - Earnings Season Update - Homes - Capital Gains? Cover Art - Can we take a close look at what was AI generated this week? - At least TWO glaring issues ... China - another delay/pause? - President Trump tells reporters on Air Force One that he could meet with Chinese President Xi by the end of the year (???) EU Deal  - Framework of the deal seems done - 15% across the board tariff on EU goods into the US (a couple of exceptions) - Prices for Olive Oil from your favorite region is going up - Some new benefits for US cars into Europe - - If this is all so good for say US car manufactures, why aren't Ford and GM stocks doing anything? Earnings this week of note: - Microsoft (MSFT): Expected to report on July 30, 2025 - Meta Platforms (META): Scheduled to report on July 30, 2025 - Amazon (AMZN): Scheduled to report on July 31, 2025 - Apple (AAPL): Scheduled to report on July 31, 2025 --- Those 4 companies are 20% of the S&P weighting Earnings Season Update - Overall, 34% of the companies in the S&P 500 have reported actual results for Q2 2025 to date. Of these companies, 80% have reported actual EPS above estimates, which is above the 5-year average of 78% and above the 10-year average of 75%. - If 80% is the final number for the quarter, it will mark the largest percentage of S&P 500 companies reporting a positive EPS surprise for a quarter since Q3 2023 (81%). - In aggregate, companies are reporting earnings that are 6.1% above estimates, which is below the 5-year average of 9.1% and below the 10-year average of 6.9%. Real Estate  - Existing home sales fell 2.7% in June but were unchanged from June 2024. - According to the latest report from the National Association of Realtors®, record-high home prices, elevated mortgage rates, and a moderate supply are discouraging some potential home buyers, particularly first-time home purchasers. - The median existing-home sale price in June was $435,300, up from the May price of $423,700, and higher than the June 2024 price of $426,900 - Inventory ticked up from a 4.6-month supply in May to 4.7 months in June - Sales of single-family existing homes dipped 3.0% last month. The median single-family existing home price was $441,500 in June, compared to $428,800 in May and $432,900 in June 2024. Quishing - QR codes used to trick people into visiting malicious websites or unknowingly share private information, a scam that has become known as “quishing.” - The increasing prevalence of QR code scams prompted a warning from the Federal Trade Commission earlier this year about unwanted or unexpected packages showing up with a QR code that when scanned “could take you to a phishing website that steals your personal information, like credit card numbers or usernames and passwords. It could also download malware onto your phone and give hackers access to your device.” - There is work being doen to develop a “smart” QR code called a SDMQR (Self-Authenticating Dual-Modulated QR) that has built-in security to prevent scams. But first, he needs buy-in from Google and Microsoft, the companies that build the cameras and control the camera infrastructure. Thoughts? - During a pivotal push by Ukraine to retake territory from Russia in late September 2022, Elon Musk gave an order that disrupted the counteroffensive and dented Kyiv's trust ...

Bob Bertog, president of Bertog Landscape Co. in Wheeling and a certified landscape professional with the National Association of Landscape Professionals, joins John Williams to answer all of your lawn and garden questions. Bob tells John that the ground is dry because the excessive heat has hardened the soil.