Podcasts about newer

Here is another new listing. Newer built (2019 home) with 2 BR, 2BA, 2 Stall garage with over 1700 fsf. Michelle Carstensen's listing- 651-226-2590 - Carstensen Team REMAX Results

Newer than a noodle, all fresh and no limp. Crack the cans and start a long drive, or tune out of that tedious spreadsheet and fill yourself with new sounds. Tracks from THE DAMAGE, GI BILL, BARRICADE, TETHERED, IMPRIZON, GRIPPER, ROCKET, URBAN STRIKE, and more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Newer kickoff rules; Justin Herbert's new lady friend; In The News!

Little League apparel; Animals playing sports; Arch Manning hype; Cowboys Netflix documentary; Newer kickoff rules; Justin Herbert & Madison Beers; In The News; KU's new digs; Fake natties; Charging fans for press conferences; NFL conspiracy; The Club Hour

A new service for veterans called Tele-Emergency Care connects veterans to medical services within minutes anywhere in the U.S. listen as the program's director explains it. Veterans Health Administration Tele-emergency care. 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

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

TCB Merch Drop Happens August 8th, 2025 : www. shopTCBpocast.com EP805: Blue has a bad case of blood coming out of...everywhere. So TCB takes a break to care for the puppy. So, a TCB Classic is on deck! TCB Classic: Bryan finds a NEWER and younger Frankie B and the TCB world takes a collective gasp! Could this be the replacement we hoped might never happen?? It just might be. Pauly Couch Cushions is one lug nut of a human and he's giving guys bad dating advice...of course. This is a can't miss episode as a new era of TCB is born! Watch EP #805 on YouTube! Text us or leave us a voicemail: +1 (212) 433-3TCB FOLLOW US: Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠youtube.com/thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tcbpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.tcbpodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CREDITS: Hosts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bryan Green⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Krissy Hoadley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Executive Producer: Bryan Green Producer: Astrid B. Green Voice Over: Rachel McGrath TCBits & TCB Tunes: Written, Voiced and Produced by Bryan Green. Rights Reserved To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Newer games that we think we will still be playing in 10 years.

Harry and Meghan have a new new new new strategy to get us all to like them.Harry we can tell you what will get people to like you, but your wife isn't going to like it.Follow our new series Crown and Controversy! Follow now.  The full Season 1 is available now for premium subscribers.  Episodes come out every Sunday on the normal feed. Become a premium subscriber! (no ads and no feed drops). For Apple users, hit the banner on your Apple podcasts app which says UNINTERRUPTED LISTENING. You also get 25+ other series from comedy to paranormal, royals, romance, trivia, politics, movies, music, murder, sports, travel, religion, spirituality, celebrity gossip and feuds, consisting of THOUSANDS OF SHOWS AD-FREE! (it's only $4.99 a month with a free-trial month) PLUS, subscribers get offers like early show releases and subscriber-only shows. Go to Caloroga.com for all our shows! Subscribe to Deep Crown's free newsletter at https://deepcrown.substack.com Thanks to our sponsor https://go.happinessexperiment.com/begin-aff-o2?am_id=podcast2025&utm_source=podcast&utm_medium=podcast&utm_campaign=michael

Hosted by Jay Ingersoll & Modd, this episode dives into a topic every metalhead can relate to: **gateway bands**—the artists that first sparked our obsession with heavy music and led us down the path to extreme metal, death metal, metalcore, black metal, and beyond.

In this episode of Do The Work | Mindset Mastery, I take you back to a moment that almost broke me and ended up building me. The truth is, most of what holds us back in business has nothing to do with knowledge or skill. It has everything to do with how we react when we feel exposed. That feeling of not being good enough, smart enough, or ready enough. And in real estate, that happens more often than most of us want to admit. When I first got into REOs during the market crash, I was just trying to survive. I didn't have connections. I didn't know the game. I was just willing to outwork everybody. I'd stay up for hours doing broker price opinions for pennies, hoping it would open a door. And eventually, it did. But at one of my first conferences, I got hit with something that shook me. I was talking to an asset manager when another agent someone local decided to embarrass me in front of him. I didn't know what a “tape” was, and he laughed like it was the dumbest thing in the world. I shrank. I went back to my hotel room that night feeling worthless. And in that moment, I believed what he was trying to make me feel that I didn't belong. What I didn't realize then is that these moments happen to all of us. Whether you're brand new or been in the business ten years, there's always someone trying to assert dominance. Asking “Are you new?” isn't just a question. It's a power move. It's someone trying to put you in your place so they can feel more secure in theirs. But here's what I learned the hard way. That moment of embarrassment became fuel. That agent wanted to establish superiority, but he woke up something in me that would not stop. I became one of the top REO producers in the state. I ended up doing business with that same asset manager he tried to impress. I outgrew that moment. And I outgrew him. Years later, I still see this same dynamic play out with our agents. Newer agents getting shut down by condescending tones. Veteran agents feeling like they should already know everything, so they stop asking questions. That is how growth dies. We don't have to play that game. We don't have to respond on their terms. You don't have to pick up the phone just because someone is calling. You don't have to explain yourself to someone who's trying to corner you. Hold your frame. Stick to the facts. And know that your license is just as powerful as anyone else's no matter how long they've had theirs. When I coach my team, I always bring it back to this: confidence isn't pretending you know everything. It's knowing you'll figure it out. It's showing up anyway. It's staying calm, making your move, and letting your work speak louder than their words ever could. ### Ask Yourself: Have I ever let someone else's comment or tone shrink my confidence or momentum? Am I avoiding situations where I feel exposed instead of using them to grow? What would it look like if I treated every embarrassing moment as a catalyst instead of a setback? ### Notable Quotes: “He didn't realize he woke up a monster.” “You don't have to answer to anyone especially not on their time.” “Your license is just as good as mine, and I've been doing this for 21 years.” Let them talk. Let them posture. And then let your results do the rest.     Follow A.Z. Araujo on Social Media: Instagram: @azaraujo Facebook: A.Z. Araujo TikTok: A.Z. Araujo YouTube: Do The Work Podcast   For Real Estate Agents in AZ: Learn more about Do The Work Coaching and A.Z. & Associates: dothework.com/azaa   Upcoming Events: If you're a real estate brokerage owner, sign up for one of our upcoming events. Visit: dothework.com bigmoneybrokerage.com Join my mailing list for updates!   New Do The Work Gear: Check out the latest DTW and Do The Work Gear! Hats, shirts, journals, and more: shop.dothework.com

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

Andrea Delrue, MD, FRCPC, MPLc - Advancing Diabetes Care: Integrating Newer Basal Insulin Formulations Into Clinical Practice

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

We're back! We cut this show as the last segment of a Patreon Episode, and are releasing it here a little delayed for everyone to listen. 0:21 Main Topic: Airline Miles vs Bank Points 0:52 Set the stage: Why is this an important discussion. Every major bank has a bank point. Chase UR, Amex MR, Citi TYP, WF Rewards, BofA Rewards, US Bank…. Most of these can be cashed out for pennies (or fractions of) OR can be used in the bank run travel portal for more than a penny. Finally some of these can be transferred to airlines as airline miles. These have completely different booking methods and tools, along with a varied amount of value based on the flight or hotel booked. Maximizing value for these miles is a key to earning back the time and money we spend to earn the miles. Example: It almost never makes sense to cash out MR at .6 cents. (news story) 5:51 Bank Point bookings Benefits: Cancel and points can just come back Need to book a refundable fare, eating away the value Open to booking across all alliances and even airlines that have no native point or alliance. As long as it is in the portal you can book it. Sometimes phone agents can see even more. 1:1 pricing for most airline tickets. Airline bookings are elite benefit eligible and earn miles Hotel bookings are now allowing loyalty numbers to sometimes be added for elite benefits 13:09 Airline Miles Benefits: Massive flexibility for most domestic carrier programs. Cancel as close in as you'd like. Great for provisional flights Value is not pegged to the dollar cost of a flight, in some cases this results in fantastic values. Economy fares can be incredibly valuable uses of miles if you're interested in them for long haul flights. Newer tools make searching easier, but still a hurdle 19:44 Airline Mile Weaknesses Pricing is highly dynamic and the programs are each unique and have complex rules and booking channels. There need to be reasonably priced award seats or your miles can become worth less than a bank point. Orphaned miles have no benefit outside of the program they're in. Phantom space. Business class fares for more than 2 people become increasingly difficult to book. Some dates and destinations are effectively blocked out Large learning curve. 24:27 Bank point Weaknesses Limited upside potential, each program caps the value somewhere between 1.25 and 2 cents per point Hotel prices can be inflated, reducing the value earned by the points The ability to book anything depends on the bank point portal, which sometimes is less robust that a native airline/hotel portal or even an OTA like booking.com The card associated with the uplift needs to remain open for the points to have uplift. This is impractical for some, and costly if annual fees cannot be eradicated. 31:01 Airline Mile Uses that don't get enough Discussion KLM/AF have

Learn more at: www.craftbeerrebranded.com / http://www.beyondbeerbook.com-Have a topic or question you'd like us to field on the show? Shoot it our way: hello@cododesign.com-Join 8,000+ food and bev industry pros who are subscribed to the Beer Branding Trends Newsletter (and access all past issues) at: www.beerbrandingtrends.com 

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

The Top 20 Newer songs as reported by PANDA DJs I Adore You HUGEL, Topic, Arash, Daecolm Hypnotized Anyma & Ellie Goulding Do Sumn To Me Grandbandz, Money Train Paradise DJ Snake, Bipolar Sunshine Cuentale David Guetta, Willy William, Nicky Jam Bliss Cuentale Tyla (Stacy Mier remix) R 2 ME BL3SS, Tchami NUEVAYo Bad Bunny Elastigirl LISA Mo Chicken BossMan Dlow, French Montana WTHELLY Rob49 (Huda Hudia remix) Whenever Megan Thee Stallion Sex, Drugs, Existential Dread Chloe Qisha There She Goes CYRIL, MOONLGHT, The La's 7 Days A Freak KSHMR, shy niko, Datti NOKIA Drake OMG! Tiesto, Sexy Redd Hot Stuff Blue October Shake It To The Max (FLY) MOLIY, Silent Addy, Skillibeng, Shenseea (Stacy Mier remix) EoO Bad Bunny Learn more about your ad choices. Visit megaphone.fm/adchoices

Oral antiarrhythmics have limited efficacy and significant risks Catheter ablation is now a first-line option in suitable patients Newer ablation technology - Pulsed field ablation (PFA) is safer and faster Anticoagulation decisions remain based on stroke risk, not ablation status Genuine post-procedural issues may be benign Ongoing healthcare professional role - Blood pressure and risk factor control The questions answered in this podcast are listed below.They were compiled by GPs and health professionals around Australia who attended Healthed’s face-to-face seminars. How effective are oral antiarrhythmic medications? Does this cure atrial fibrillation? What is the current state of ablation technology? Can you explain what you mean by "rapid" and provide an example of how long a procedure typically takes? Does reduced scarring decrease the likelihood or complexity of needing a repeat ablation? What are some of the contraindications in terms of structurally abnormal heart that would be contraindications for the patient? How should atrial fibrillation be approached in patients with severe ischaemic heart disease? Does this complicate treatment? If a patient has an AF ablation, can they come off my anticoagulant? How do you manage patient’s embolic issues? How soon after the procedure can patients typically be discharged? Following successful AF suppression, is it possible for patients to stop taking DOACs or other anticoagulants? After discharge, how soon should patients follow up with their GP? What should the GP monitor and what should be communicated back to the specialist? When will you consider AV node ablation and insertion of a pacemaker? Host: David Lim | Total Time: 44 mins Expert: Prof Rukshen Weerasooriya, Sub-specialist Cardiac Electrophysiologist Register for our fortnightly FREE WEBCASTSEvery second Tuesday | 7:00pm-9:00pm AEST Click here to register for the next oneSee omnystudio.com/listener for privacy information.

EP784: Bryan finds a NEWER and younger Frankie B and the TCB world takes a collective gasp! Could this be the replacement we hoped might never happen?? It just might be. Pauly Couch Cushions is one lug nut of a human and he's giving guys bad dating advice...of course. This is a can't miss episode as a new era of TCB is born! Watch EP #784 on YouTube! Text us or leave us a voicemail: +1 (212) 433-3TCB FOLLOW US: Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠youtube.com/thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tcbpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.tcbpodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CREDITS: Hosts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bryan Green⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Krissy Hoadley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Executive Producer: Bryan Green Producer: Astrid B. Green Voice Over: Rachel McGrath TCBits & TCB Tunes: Written, Voiced and Produced by Bryan Green. Rights Reserved To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Since we had to add Tyrese Haliburton to the growing list of missing superstars for next year, we felt it was wise to look at who might get drafted in the top-10 (or even top-15). Plus, the actual NBA Draft is happening and we got a few intriguing landing spots already! Donate directly to Palisades Elementary's Fire Recovery Fund: https://palielementary.kindful.com/?campaign=1345495 Follow Dan Besbris on Twitter: https://x.com/danbesbris Find Dan on the brand new BlueSky social network: https://bit.ly/3Vo5M0N Check out Dan's Buckets, Weekly Schedule Charts & Yahoo Rank Tracker Sheet FREE! https://bit.ly/3XrAdEW Listen and subscribe on iTunes: https://apple.co/3XiUzQK Listen and subscribe on Spotify: https://spoti.fi/3ACCHYe Float on over to the new Old Man Squad Sports Network YouTube page to watch videos from the network's top talent: https://bit.ly/46Z6fvb Join the Old Man Squad Discord to chat with Dan and all the other hosts: https://t.co/aY9cqDrgRY Follow Old Man Squad Fantasy on Instagram for all our short videos: https://bit.ly/3ZQbxrt Podcast logo by https://twitter.com/freekeepoints Beats by https://bsky.app/profile/slickrach.bsky.social

Show Notes: Lili Barouch, a cardiologist, went to medical school at Johns Hopkins.  After moving to Baltimore, she became a cardiologist specializing in heart failure and transplant. She joined the faculty in 2003 and worked on basic science research, research lab, and inpatient and outpatient care for heart failure and transplant patients. Lili stayed in this role for about 10 years before transitioning to outpatient cardiology. She moved to Howard County, Maryland, where her children have grown up. Founding the Sports Cardiology Program Lili started becoming more athletic around 20 years ago. This led to her interest in sports cardiology, a field geared towards athletes. She founded the sports cardiology program at Johns Hopkins and a training program for future sports cardiologists. She talks about building a new program from scratch, how the field of sports cardiology has grown significantly. Sports Cardiology Screening Sports cardiology involves screening athletes, including younger athletes, high-level athletes, and masters athletes. Screening includes evaluating athletes for risk factors, symptomatic athletes, those with known cardiac diseases, and those with significant changes in the heart due to high-level exertion. Lili talks about findings through screenings in sports cardiology including congenital heart defects, a family history of cardiac death at a young age, or abnormal ECGs. She mentions that there is no single standard throughout the country for what type of screening is required for college athletics. The general Sports Med and team physician screen everyone to a certain extent. Sports cardiologists typically are involved in second-level screening, for example, high blood pressure is an area that needs to be addressed, especially in younger athletes. By understanding the specifics of each type of screening and addressing any underlying conditions, athletes can better prepare for their future athletic careers. Stress Tests and ECG Abnormalities The conversation turns to the importance of stress tests and ECG abnormalities in sports. Athletes often tend to be symptom minimizers, ignoring minor symptoms that don't seem to affect anything at the time. However, many athletes who develop cardiac arrests report having some symptoms before they report them later. Lili talks about finding the balance between not wanting to alarm patients and not wanting them to ignore symptoms. Guidelines in Sports Cardiology Sports Cardiology is its own field. New guidelines have come out this year about shared decision making, which helps athletes decide whether to continue playing or not. The previous guidelines were more paternalistic, with doctors telling athletes whether they can play or are not allowed to play. This led to many athletes hiding symptoms or being disqualified. Newer guidelines have looked at more recent research studies to determine if restricting individuals actually helps them. Many places found that it's okay for athletes to participate in ways that were not possible 10 or 15 years ago, but it also affects their psychological state severely if they get disqualified from their sport. Changes to the Heart Lili discusses the changes to the heart of elite athletes, including professional athletes, major sports leagues, and Olympic athletes. She explains that the higher level of an athlete, the more likely they are to have more people involved in their care. Studies on elite athletes, such as Tour de France cyclists and Olympic athletes, have shown that those who do high levels of endurance exercise, such as cycling, long-distance running, swimming, and cross-country skiing, tend to have an increase in the size of their heart chambers. The Health Benefits of Exercise The American Heart Association guidelines recommend a minimum of two 30 minute strength training workouts and at least three 30 to 45 minute aerobic exercise workouts of moderate intensity per week. The minimum recommended amount of exercise is two and a half hours per week, spread out throughout the week. For endurance athletes, this may be more than two hours a day. Lili talks about the benefits of exercise, highlighting that there are marginal additional gains up to three to four times the minimum recommended amount. The most significant gain is when one goes from zero hours per week to two or three hours per week of total exercise, up to about eight hours per week. This leads to greater fitness, benefits in blood pressure, cholesterol, reducing the risk of diabetes, and longevity. However, beyond eight or 10 hours per week, there are no additional health benefits. Joining the Race Lili started running in 2006, initially as a fitness exercise but eventually becoming an athlete due to her autoimmune disease, rheumatoid arthritis. She joined the running club and was challenged by a friend to do a triathlon. She initially struggled with swimming, but eventually learned to swim and competed in several distances, including the full Ironman. Lili has run six marathons, mostly short and medium distance triathlons, and has achieved significant accomplishments such as qualifying for the Boston Marathon in 2018 and competing in the Boston Marathon in 2018. However, she also faced joint issues due to her rheumatoid arthritis, which led her to focus more on long distance triathlons. The Growth of the Sports Cardiology Program Lili founded a sports cardiology program based on her clinic, which primarily focuses on athlete patients. The program is also developing a National Registry of masters athletes to study the impact of high exercise levels on athletes' health. The program involves training fellows in cardiology who are interested in sports cardiology. A fellowship program was developed for one fellow, and the first formal graduates completed the program last year. Lili  talks about an annual meeting called "The Care of the Athletic Heart" in Washington, DC, where they organize formal talks, educational symposia, and case presentations to help others get into the field. She also talks about resources and funding for the program. Timestamps 02:19: Transition to Outpatient Cardiology and Personal Life  06:14: Evolution and Role in Sports Cardiology  07:05: Screening and Management of Athletes  15:25: Elite Athletes and Cardiac Health  27:15: Lily's Personal Athletic Journey 33:59: Founding the Sports Cardiology Program  37:26: Administrative and Research Aspects 40:56: Memorable Courses at Harvard  43:30: Resources and Future Plans Links: https://profiles.hopkinsmedicine.org/provider/lili-barouch/2705370 https://www.hopkinsmedicine.org/heart-vascular-institute/cardiology/sports-cardiology https://www.hopkinsmedicine.org/heart-vascular-institute/education/sports-cardiology-fellowship   Featured Non-profit: The featured non-profit of this episode of The 92 Report is recommended by Heather Taussig, class of ‘92, who reports:  “Hi, I'm Heather Taussig, class of 1992. The featured nonprofit of this episode of the 92 report is Fostering Healthy Futures. Fostering Healthy Futures is an evidence based mentoring program for children and teens in foster care. I am the program developer and principal investigator of Fostering Healthy Futures, which my team and I launched in 2002. You can learn more about our work at FosteringHealthyFuturesdotorg.“ To learn more about their work, visit: https://www.fosteringhealthyfutures.org/

Join this channel to get access to perks: https://www.youtube.com/channel/UCAURsT8pIRGXBVT__Rh_OmA/join Support us on Patreon for BONUS episodes each month & other perks: https://www.patreon.com/thesavegpodcast In this week's episode we kick off discussing the current riots in LA - and how Trump has impacted the situation. Elon & Trump's breakup is official as the two take to X to write about each other. Newer study on mice has been able to extend their lives- would you take something that was guaranteed to extend your life? And Greta Thunberg gets deported from Israel. Hope you enjoyed the episode!

Join this channel to get access to perks such as Weekly Zoom Calls & Private Discord!! https://www.youtube.com/channel/UC4BqTVQA1pCwe9QaEPwD3MQ/joinFree 30 Day Trial to Go2Lister https://www.go2lister.com/mikeI help teach people how to make money selling books on Amazon, leveraging the platform's vast reach and the profitability of reselling used books. How to sell books on Amazon? Selling books on Amazon can be an excellent side hustle or a full-time endeavor, particularly if you enjoy thrifting through places like Goodwill for hidden treasures. How to start selling on Amazon is accessible, and with my guidance on how to sell books, DVDs, CDs, and other media, beginners can quickly learn the ropes. Utilizing Amazon FBA streamlines operations, allowing sellers to focus more on sourcing and less on logistics. As a reselling coach, I provide tutorials and guidance on navigating challenges like ungating and optimizing listings for maximum visibility and sales. Whether you're looking for a part-time side hustle or aiming to become a full-time reseller, I will teach you the ins and outs of thrifting books and selling books online and can pave the way to creating passive income streams and achieving business growth.

What Lead Flow Looks like Today - #243 In this episode, we dive headfirst into one of the most critical topics in real estate investing: lead flow. Whether you're focused on commercial, multifamily, single‑family, or sub‑$200K homes, thriving in today's market demands having a marketing machine that consistently feeds you opportunities.

The end of the week at Town Crier Productions means it is time for another audio edition produced in the form of a podcast! Newer readers may not know that for many years, all of these versions went out in sonic form. Will that ever happen again? Perhaps. Perhaps not. Perhaps all effort in the future will go toward a version not unlike Bazooka Joe comics? In any case, I'm Sean Tubbs and it may be time to get on with the show.In this edition:* Charlottesville City Manager Sam Sanders addresses several issues including FEI, Sanctuary City list, arrest of man who painted crosswalk across Elliott Avenue (learn more)* Sanders reduces contingency spending request after appearing on Sanctuary City list (learn more)* All bids for Albemarle Charlottesville Regional Jail renovation exceed budget (learn more)* Albemarle County Supervisors deny a request to fill in the floodplain for an industrial building in the Woolen Mills* Rivanna Water and Sewer Authority adopts budget for FY2026, $550 million capital improvement program (learn more)Charlottesville Community Engagement is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.First shout-out: Plant Virginia NativesSpring is here and there's still time to plan for upgrades to your outdoors. You can take some time to get ready for spring! Check out Plant Virginia Natives!Plant Virginia Natives is part of a partnership with ten regional campaigns for ten different ecosystems across Virginia, from the Northern Piedmont to the Eastern Shore. Take a look at the full map below for the campaign for native species where you are in the Commonwealth. For the Charlottesville area, download a free copy of the handbook: Piedmont Native Plants: A Guide for Landscapes and Gardens.Plant Northern Piedmont Natives is for anyone who works with native plants, whether you are a property owner, private consultant, landscape designer, nursery operator, conservation group, or local government.Second shout out: Cville Village?Can you drive a neighbor to a doctor's appointment? Change an overhead lightbulb, plant a flower, walk a dog for someone who is sick, visit someone who is lonely? If so, Cville Village needs you!Cville Village is a local 501c3 nonprofit organization loosely affiliated with a national network of Villages whose goals are to help seniors stay in their own homes as long as possible, and to build connections among them that diminish social isolation. Volunteers do small chores for, and have gatherings of, professors and schoolteachers, nurses and lawyers, aides and housekeepers. Time and chance come to all – a fall, an order not to drive, failing eyesight, a sudden stroke. They assist folks continue living at home, with a little help from their friends.Cville Village volunteers consult software that shows them who has requested a service and where they are located. Volunteers accept only the requests that fit their schedule and their skills.Volunteering for Cville Village can expand your circle of friends and shower you with thanks.To learn more, visit cvillevillage.org or attend one of their monthly Village “meet-ups” and see for yourself. To find out where and when the next meetup is, or to get more information and a volunteer application, email us at info@cvillevillage.org, or call them at (434) 218-3727. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit communityengagement.substack.com/subscribe

The Greater Portland Crab Caper-The Crabbe Family: Eastern Prom's Enduring Legacy & The Fisher Family: Western Prom's Steadfast Guardians (Updated)Today, we're deepening the lore around the Crabbe and Fisher families, intertwining their distinct identities with the historical fabric of Portland, particularly through the lens of the Munjoy Hill and Bramhall Reservoirs and their ultimate demise. This will lay the groundwork for the central conflict, "The Crab Caper."Family Name & Symbolism: "The Crab Caper"The name "Crabbe" perfectly embodies their essence. The crab, with its hard shell and sideways movement, symbolizes their tenacity, their guarded nature, and perhaps an ethical ambiguity. Their deep connection to the marine world is undeniable, but it's a connection born of exploitation rather than stewardship.Location: The Eastern Promenade, Munjoy HillTheir placement on Munjoy Hill, the "other side" of the city from the Fishers, immediately establishes a geographical and ideological divide. The Eastern Prom's history of hardworking families, fishermen, and shipbuilders provides a rugged, insular backdrop, contrasting sharply with the Western Prom's perceived grandeur. This is where the Crabbes forged their empire through sheer will and cunning.Marine Industry Focus:Initial Wealth: Modern Business: Today, their legacy manifests in a highly efficient, perhaps legally dubious, commercial fishing conglomerate or a marine logistics company. Their shadowy ties to modern shipping lanes and even offshore wind development hint at how their less-than-ethical practices continue to give them an advantage in contemporary ventures. They are the silent operators, the ones who know how to bend rules and exploit loopholes.Personality & Traits (Antagonists):Ruthless & Ambitious: Their primary drivers are profit and power. They are fiercely territorial, protecting their family name and their dominion over the Eastern Prom with an iron fist.Secretive: Like the hidden depths of the Munjoy Hill Reservoir, the Crabbe family harbors deep, unspoken secrets. These secrets are intrinsically tied to their past, perhaps involving illicit gains from the 1893 reservoir burst, or shady deals made during times of public vulnerability. This secrecy is a key element of their enduring power.Old Money, but "Newer" Grit: Potential Link to Munjoy Hill Reservoir & Hidden Network:The Munjoy Hill Reservoir, built in the 1880s, tragically burst in 1893. An ancestor of the Crabbes could have been deeply involved in the subsequent repairs or even benefited from the disaster itself, perhaps through illicit profits or opportunistic land acquisition. This established their connection to the Eastern Prom's infrastructure.Family Name & Symbolism:The name "Fisher" immediately evokes tradition, sustainability, and an ethical approach to the ocean. It represents integrity, patience, and a deep, respectful connection to the sea, contrasting sharply with the Crabbes' exploitative nature. They are the guardians of Portland's maritime soul.Location: The Western PromenadeTheir residence on the Western Promenade positions them among Portland's older, more established families. Their connections trace back to the city's early mercantile and shipping elite, with grand, historic houses overlooking the harbor, symbolizing their long-standing, respected presence.#TheFishers,#WesternPromHeroes,#PortlandProtagonists,#MaritimeHeritage,#EthicalSeafood,#GrandpaBillsGoodGuys#GuardiansOfTheBay,#FisherMansionSecrets,#UncoveringPortland,#SubterraneanQuest,#BramhallUnveiled,The Crabbe Family: Eastern Prom's Enduring LegacyThe Fisher Family: Western Prom's Steadfast GuardiansThe Rivalry: A Tale of Two Sides of PortlandTitles & Hashtags for the Families & Rivalry

Having once tasted the light of truth… many people go flying off into the wild blue yonder. What are they looking for? … Newer truths… fresh enlightenments… more fun and and adventure…. not satisfied with the simple truths taught by the Church of God. Get a FREE copy of our eBook "What Really Happens After Death?" Full details are at this link: http://eepurl.com/ddB0yb Photos by Unknown author is licensed under CC BY-NC.​ https://creativecommons.org/licenses/by-nc/3.0/

By Craig Scott - Having once tasted the light of truth… many people go flying off into the wild blue yonder. What are they looking for? … Newer truths… fresh enlightenments… more fun and and adventure…. not satisfied with the simple truths taught by the Church of God.

Story at-a-glance Cholesterol is essential for hormone production, brain function, and cell health, and about 80% of it is made by your body — not consumed in food. High triglycerides, not total cholesterol, pose a stronger risk for heart attack — raising risk by 80% — making triglyceride-to-HDL ratio a better heart disease predictor Newer science shows chronic inflammation — not LDL alone — may be the real cause of plaque buildup in arteries, shifting focus to markers like ApoB and CRP Natural options like garlic, artichoke, bergamot, plant sterols, green tea, and oats have been shown in clinical studies to lower LDL cholesterol and improve heart markers Red yeast rice can lower LDL by up to 33%, but it contains a statin-like compound with the same side effects and potential kidney toxins like citrinin Lifestyle changes like cutting sugar, walking daily, and sleeping well can activate the Pareto Principle — where 20% of effort yields 80% of results in lowering cholesterol. Exercise improves five key metabolic biomarkers — glucose, HDL, triglycerides, blood pressure, and waist size — each linked to long-term cardiovascular health

What might I say to a newer ballroom dancer that was just getting started? This was asked of me in a recent coaching session with a brand new bronze level dancer. I answered her questions and decided to pass some of the answers on to you. Even as a seasoned dancer, I think you will find yourself in these 7 pieces of advice:Crash into itYou can't skip suckingNever stop having funMaintain a sense of sovereigntyResults are just a tool, not the truthMinimize mental inputCompete (or perform) as soon as you canListen in and enjoy!!Go HERE to get on my waitlist for my group coaching program! Scroll to the bottom and click on the "JOIN THE WAITLIST" button!Join my Facebook Group,⁠ JOYFUL BALLROOM ⁠to be a part of a fun, positive ballroom dance community!

Kevin and Zach welcome back Scott Shrader to talk digital dentistry and specifically about Medit scanners and software. Both Zach and Al are current Medit users so the episode is a great one if you're new to scanning or want to incorporate digital dentistry into your workflow even more! 3D Dentist Approach: While courses often involve scanners, 3D Dentist is largely scanner-agnostic, focusing on techniques. Importance of Training & Support: Scott emphasizes the critical role of knowledgeable support and hands-on training (like that provided by 3D Tech/3D Dentist) when integrating technology, contrasting it with less specialized support from large suppliers. Support is ongoing for products purchased through them. Medit Overview: A South Korean company celebrating 25 years (mostly lab scanners, ~7 years for intraoral). Medit's Value Proposition: No annual fees, free software, and free software upgrades are key differentiators. Medit Link Software Suite (The "Apps"): A powerful, free suite accessible even to non-Medit scanner users (importing STLs). Includes free apps like Model Builder, Crown Design, Night Guard/Bite Splint, Ortho Simulation. Newer, more powerful CAD features (AI Final Crown, Provisional, Inlays/Onlays, Bridge Design) are being introduced with a per-export fee, but the core remains free. AI Crown Design: Discussion on how AI differs from standard proposals (better morphology matching, less tweaking, potential AI margination) vs. algorithms. Practical Scanning Tips & Troubleshooting: Marking margins: Alan does, Zach doesn't – lab preferences vary. Sluggish scanning fixes: Ensure the laptop is plugged in, perform all updates (Windows, graphics drivers, Medit Link), check scanner tip condition (rated for ~100 autoclave cycles, look for degradation/spots). Technique: Dry teeth well, use the white light setting for scanning through blood, proper path/tissue capture (especially around canines). Hardware: i700 vs. i900: The i900 is smaller, lighter, has a larger scan area, multiple tip sizes, and is generally smoother, especially for full arches and scanning through blood. The i900 "Classic" brings back the physical button many users missed. Recommended Medit Apps to Explore: Model Builder & Bite Splint: Great, easy entry points for CAD, good for team delegation (requires printer for output). Ortho Simulation: Automated simulation of tooth movement. Smile Design: Powerful tool using even basic phone photos, creates a shareable before/after slider for patient communication. App Access: Apps run on the scanning computer but can be accessed remotely by logging into your Medit Link account on another computer (requires downloading case files). Integrations: Medit Link integrates with third-party software and platforms (SprintRay Cloud, Exocad, etc.). Some links from the show: 3D Dentists Medit If you decide to look in to CareStack, be sure to let them know that you heard about them on the podcast! Join the Very Dental Facebook group using the password "Timmerman," Hornbrook" or "McWethy," "Papa Randy" or "Lipscomb!" Very Clinical is brought to you by Zirc Dental Products, Inc., your trusted partner in dental efficiency and organization. The Very Clinical Corner segment features Kate Reinert, LDA, an experienced dental professional passionate about helping practices achieve clinical excellence.  Connect with Kate Reinert on LinkedIn: Kate Reinert, LDA  Book a call with Kate: Reserve a Call  Ready to upscale your team? Explore Zirc's solutions today: zirc.com  

Keith discusses strategies for building wealth in real estate, emphasizing efficient property operations and leveraging. He suggests setting tenant occupancy limits, sub-metering utilities, and increasing rentable space. He explains the leverage ratio, which measures the relationship between debt and equity, and advises maintaining a high ratio for better returns.  Hear his take on the Florida's real estate market, including falling property values, oversupply, and rising insurance premiums. Despite these issues, Keith remains optimistic about Florida's long-term potential due to its population growth and low taxes. Free Resources: Connect with a free GRE Investment Coach at GREinvestmentcoach.com Show Notes: GetRichEducation.com/551 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:00   Welcome to GRE I'm your host. Keith Weinhold, today, the two things you've got to focus on if you're ever going to build wealth as a real estate investor, why Trump wants to fire Fed Chair Jerome Powell, then, is Florida real estate doomed with falling property values, a housing oversupply, spiking insurance premiums and slowing population growth. It's episode 551, of get rich education.    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 the flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:16   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  1:32   Welcome to GRE from Manhattan, Kansas to the finance capital of Manhattan in New York City, and across 188 nations worldwide, you are back inside get rich Education. I'm your host, and my name is Keith Weinhold. I think you know that by now, because we deliver weekly shows more steadily and predictably than a new tariff policy. I've got more on tariffs in a funny clip on Trump wanting to fire Jerome Powell in stories on that level soon. But first, you know one thing that I've made you mindful of lately is that a successful real estate investor needs to pay attention to two big things if you want to build wealth First, keep your property operations efficient. This is your cash flow function. And second look at your net worth statement, and be mindful that you are leveraging as many dollars as you responsibly can. Let me break down both of these for you so that you can see what I really mean here the first one, keeping your property operations efficient. That means that right up front, with a new tenant in the application, find out how many tenants are going to live there, and firmly let them know that they cannot exceed this or that they're in violation of the lease. Can you get 20% more rent, or even 50% more rent by furnishing your unit and marketing it not as a long term rental, but as a midterm rental, and targets, say health professionals that are traveling if you're in a hot rental market. Can you simply keep the rent the same, but have new incoming tenants pay a utility bill for you that you had previously been paying by sub metering your utilities. Other examples of taking the rental property you already have and making it more efficient, you know, there are more classic items, like increasing your rentable space, renting out separate on site, storage space, adding a carport, charging pet rent or just boosting the curb appeal. Can you build an adu on your property? How about appealing your property taxes or automating your rent collection. Why don't you take a look at your insurance policies? You know, a lot of them have $1,000 deductibles. Well, if you're an economically resilient investor, consider raising your deductibles to 5k that way you lower your insurance premium and increase your cash flow that way. I mean really, putting in insurance claims can be somewhat of a pain anyway. Okay, well, right. There were maybe, I don't know, 10 or 15 quick ideas for streamlining your property's operations and increasing your cash flow. Now, don't try to do every one of them, but if there's at least one or two that you can think of as low hanging fruit to go ahead and harvest with the nature of what you've got going in your portfolio. And you know, ideas like I just shared there, you can hear about that on some other real estate investing platforms. But you know what the bigger gain. Is that you can actually make they take less work and fewer people talk about these things all right, and that's the second thing I'm talking about. Yes, it is typically more profitable for you and less work for you. If, instead of all those things, you increase your leverage ratio. Now, doing this does not help your cash flow, it helps your net worth. And net worth is something that you can later convert to cash flow. And this second one increasing your leverage that's a strategy that you just don't hear about on very many real estate investing platforms. So I haven't discussed leverage ratio in a long time. So let's talk about what it is, how you can improve yours, and then what it does for building your wealth. Okay, it's the relationship between your debt and your equity, and here's how to determine yours, and then I'll tell you how you're performing. Once you've determined yours, you might even be able to do it roughly in your head. All you do is take the total value of all the real estate that you own and divide it by your loan balances. That's it. Say you own a million dollars worth of real estate and you've got 500k of total debt on all that real estate. Well, it's really simple. Just divide your value a million bucks, buy your debt, 500k and your leverage ratio is two to one. Let's just call that two. If you're looking to build wealth, that number of two is kind of low. It should be higher. It means that you've got 50% equity in your property. Now say that instead, on the day that you bought that million dollars in real estate, you only made a 200k down payment. That's awesome. A million bucks divided by 200k your leverage ratio is five. All right. Well, what are these numbers really mean? Like this two and this five? All right, it's important because it is what you use to multiply your real estate's rate of appreciation by in order to find your rate of return. So just say that your real estate appreciates 4% this year. If your leverage ratio is just two, that's only an 8% return on your skin in the game. But if you've got more debt and your leverage ratio is five, then a 4% return means you've got a 20% return on your skin in the game. Do that keep your leverage ratio high? Now, what if your leverage ratio falls all the way down to a one. What does that mean? Oh, dear, you're not really doing much to build wealth because all of your properties are paid off. You don't have any mortgages on them. So if you're down to a one, all you've got working for you, from an appreciation standpoint, is compound interest. That's the point at which you've fallen from a compound leverage instrument down to a compound interest instrument. And as we know here at GRE which is counter to the mainstream world. And yeah, the mainstream world is where you have to work all of your life at a job you hate. And that's what you'll do if all you have is unlevered compound interest, all right, and if all you have is unlevered compound interest, well, don't book your Blue Origin flight quite yet. You're not going to go on one you can count on sitting behind a desk for decades instead.   All right. Well, how do you determine your leverage ratio? Again, it's your total real estate value divided by your equity. All right. Now, how do you keep your number high? By making new purchases with 20 to 25% down payments, and by not making new purchases is another way, and instead performing cash out refinances or doing both, you know another way to increase your leverage ratio, and you might not have thought about this, it's when real estate values fall. Now, that's surely not a desirable way to do it, and it doesn't happen often, but when real estate values fall, that drops both your real estate's value and your equity value by the same amount. And interestingly, with some of the ways that I described that you can add value to a property earlier, like a carport, that makes your cash flow better, but it does make your leverage ratio worse at the same time, a way to decrease your leverage ratio fast and lower your wealth building potential fast is to make an extra principal payment of a few 1000 bucks. I mean that one act alone might drop it from, say, a 3.14 to a three point. One Two over night. But look, I don't know what real estate markets you're invested in, and if you tell me what your number is, I'm gonna know how much your future wealth building power is, because you're keeping dollars not merely compounding, but leveraged. And if your number falls below about two and a half, which means 40% equity, that's typically when I begin looking to refinance or sell an equity heavy property, to do a 1031 into a bigger one. So two and a half, that's the number where you often want to take action. And really this is all just a fresh way of approaching an enduring mantra here at GRE Oh yeah, financially free beats debt free, and this sure can make you a mutineer among the masses. And I've been talking about these mutineers sort of things a lot lately, even with a tinge of irreverence. Perhaps you might remember that three weeks ago here on the show, I discussed how, depending on your circumstance, you can even make a car loan good debt, and how a seven figure income is the new six figures and then, yes, perhaps more irreverence. Last week in your free audio course, it was pretty iconoclastic to break down in detail how a 38% rate of return from just everyday buy and hold real estate is not risky at all. And last week's episode 550 the free course, that's probably the most important episode we've done in a long time. For a beginning real estate investor, if you've got any relative or friend in your life that you know, do you have someone around you that just doesn't get it about real estate investing, that really doesn't understand why you do this, please go ahead and share last week's episode with him. Episode 550 now on to the actual person of one, Donald John Trump. And why do I always say his name that way? I don't know. I'm not sure how that ever got started, but I don't say that as often as I call myself a remorseless slack jaw. In any case, the President wants to fire the Fed Chair Jerome Powell. This is nothing new. It just flared up again. I mean, here's the latest flare up. Listen to how Trump says he's never been fond of Powell. Okay, key in on that. This is Tom llamas on NBC, nightly news. You'll also hear the voices of Trump, Powell and Elizabeth Warren in Washington.    Unknown Speaker  8:38   There's a mounting standoff between President Trump and the Chairman of the Federal Reserve. The President blasting Jerome Powell for not lowering interest rates, accusing him of playing politics. Gabe Gutierrez is at the White House with markets on edge and his trade war escalating. President Trump is lashing out at the Federal Reserve Chairman he once appointed, writing on social media that Jerome Powell's termination cannot come fast enough. I don't think he's doing the job. He's too late, always too late. Slow. And I'm not happy with him. I let him know it, and if I want him out, he'll be out of there real fast, believe me, the rebuke coming after this warning from Powell Wednesday, tariffs are highly likely to generate at least a temporary rise in inflation, the President now slamming him for not cutting interest rates to help the economy. We have a Federal Reserve Chairman that is playing politics, somebody that I've never been very fond of, actually, but he's playing politics. Powell says the Fed needs more clarity before making a move. We're never going to be influenced by any political pressure. People can say whatever they want. That's fine. Trump had previously said he would not try to replace Powell, and earlier this week, the Treasury Secretary stressed the importance of an independent federal reserve. I believe that monetary policy is a jewel box that's got to be preserved. Democrats warning of chaos if Powell is ousted, if Chairman Powell can be fired by the President of the United States, it will crash the markets in the United States. Powell, whose term as Fed Chair ends next year, has said the President does not have the legal authority to fire him. If he asked you to leave, would you go? No.   Keith Weinhold  14:38    In that clip, Trump said he's never been very fond of pow dude. You appointed him, you You appointed him as Fed Chair in your first term, where you must have liked him more than any of the other candidates. Geez. Now you may or may not like Powell, but I don't see how. He's playing politics before lowering interest rates, it's completely sensible for him to see how the tariffs play out first. The Fed has long been independent of the executive branch, so they're supposed to be Trump wants Powell to lower interest rates. And remember, Powell already cut rates a full 1% late last year, and I really don't even agree with that cut when inflation was still elevated. Trump says Powell is always too late. Well, everyone agrees that Powell was too late to raise rates back in 2022 I mean, that had to do with the whole gaff where he said that inflation is just transitory, and no one will let Powell forget that. But do you give pal credit for a soft landing? I mean, he since brought down inflation while keeping us out of a recession, that's the definition of a soft landing. You know, I don't fully give pal credit there, just a little but remember, by that point, the inflation damage has already been done. It's already hurt a lot of people, and that's not changing. Now, of course, the inflation enriched you and it enriched me, because we're the real estate investors, and inflation is always going to do that for us. What happened is that Trump is frustrated because he saw the European Central Bank just lower their rates. So that's why he wants to see that happen here too. Because of course, lower rates can help the economy, at least in the short term. So I wondered about what you think. So what I did is I asked you in our latest Instagram poll, the question I asked was simply, should Jerome Powell be retained or fired? I was a little surprised at the result. 38% of GRE Instagram poll respondents said pal should be retained, and 62% said fired. I didn't think as many as 62% would say fire Powell. My best guess is that it's because you want lower interest rates on mortgages, and my next best guess is that you want to fire Powell, not because you dislike him, but more because you want to abolish the Fed completely, which I guess means that Powell would be fired that way. Did you hear about what happened when Donald Trump called tech support? Yeah. He told them, my tariffs aren't working. Tech Support responded with, did you try turning them off and back on again.    Hey, coming up shortly is Florida real estate doomed. If you'd like to reach out to us here at the show, you can do so at get rich education.com/contact, that's whether you have a comment or a question or a concern or a content suggestion you can communicate either through voice or email on our contact page, there one thing that we don't need, respectfully, are booking agents for shows reaching out to us. You know, I used to say that we have 50 times as many guest requests to be on the show with me here as we do available spots, but now it is more than 50x and I'm really grateful to host a platform where I guess a lot of people want to join in and contribute here, but the reality is that we only have one show a week, and a lot of weeks like this one I don't have any guests at all on the Show. That page is monitored by my terrific executive assistant, Brenda, just like most everyone here at GRE She's an active real estate investor too, and again, comments, questions or concerns about the show, please contact us at the contact page and get rich education.com/contact. More. Next you're listening to get rich education.    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 to 66866, to learn about freedom family investments, liquidity fund again. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com, that's ridgelendinggroup.com.   T. Harv Ecker  20:45   This is the millionaire minds. T. Harv Ecker, you're listening to the powerful Get rich education with Keith Weinhold. Don't quit your day dream.   Keith Weinhold  21:10   Welcome back to get rich Education. I'm your host. Keith Weinhold is Florida real estate doomed. Most anyone that pays attention has probably noticed that the Sunshine State has some areas, well, really, a number of them where property values have actually fallen. This is tied to the fact that there's an inventory over supply. There have been spiking insurance premiums tied to hurricanes. And what about the slowing population growth, and since the pandemic, Florida has had some of the fastest growing, highest appreciating markets in the entire nation. But today, in fact, there's a giant home builder there KB Homes that finds Florida's housing market. In their words, it's weak enough that they are cutting prices this spring. And KB Homes is ranked number 545 on the fortune 1000 so they're pretty sizable. And then an even larger home builder, Lennar, they basically said the same thing. The CEO of KB Homes said, quote, demand at the start of this spring selling season was more muted than what we have seen historically, despite a healthy level of traffic in our communities. So we took steps to reposition our communities to offer the most compelling value, and buyers responded favorably to those adjustments. End of the quote, yes, that is a genteel way of saying that we had to cut prices to get buyers like I mentioned to you, starting, gosh, probably a year ago or more, that other home builders have, instead of cutting prices, offered mortgage rate buy downs to buyers, be mindful though of how much your home builder is paying for those buy downs and how much you are at the closing table. Now, as we know, nationally, there's still a housing supply shortage, but KB, who does business in other states, says that Florida is the weakest, and that's due to over supply. Now let's forget about in migration for a second. Okay, that weakness is because a lot of communities are overbuilt to the point that the in migration rate cannot keep up with the over building. And of course, it's hard to generalize. Florida is a big, populous state of 23 million people. Southwest Florida has been hit the hardest that's pretty well documented. Punta Gorda, home values are down 9% year over year. Cape Coral down 7% let's go to the opposite end of the state, and Jacksonville, up in Northeast Florida that has about seven months of housing supply. It's actually pretty close to a balanced market between buyers and sellers, and then in the center of the state, Orlando, there's six months of supply that is a balanced market where there is normalcy in negotiation between buyers and sellers and a smattering of offers on one property And no one rushing and doing things like waving their inspection and then Miami Fort Lauderdale, you know, I really don't talk about them much on the show, because their prices are too high to work well as long term cash flowing rentals, both KB and Lennar say that they're keeping an eye on tariffs and that the changes to immigration have not changed their operations very much yet, because, remember, a lot of construction laborers are immigrants, and if they get deported, and then you need to hire native born US labor. Well, home prices go up, all right. Well, what about the Florida insure? Crisis. You know, over the past few years in Florida, a bunch of carriers have just withdrawn. They have pulled out of the state, farmers, insurance, bankers, insurance, Lexington insurance, all pulled out. Farmers told The New York Times that this business decision was necessary to effectively manage risk exposure. Similarly, AAA is another carrier, and they said that they're not going to renew some policies. They said the markets become challenging. 2022 catastrophic hurricane season that really contributed to an unprecedented rise in reinsurance rates, and that made it more costly for insurance companies to operate there at all. And prior to that, the market was already strained and had increased claims costs due to inflation and excessive litigation. That's what triple A said. All right, so where does this leave homeowners? Well, some are already relying on state and federal insurance programs, like the National Flood Insurance Program. There's a state carrier called citizens now, flood insurance is not required outside of a special hazard flood area, but that doesn't mean that a home is going to escape flooding if a hurricane passes through, but having insurance it does help along and accelerate the recovery process. Florida has some of the best Building Code adoption and enforcement in the country, and that fact alone has saved 1000s of homes and billions of dollars. But modern building codes are not necessarily applied retroactively to older homes. So it's those homes and properties that really have more exposure to hurricanes, those older properties, and a lot of Floridians are just skipping insurance coverage altogether so that they don't have to pay the premiums. They don't have any coverage. If you don't have a lien holder, you can do that. You can skip it, right? Well, like, How bad is it? Exactly? Just, how much have Florida insurance premiums been jacked up at this point. They've increased 60% on average between 2019, and 2023, and while homeowners and investors are primarily bearing that rising cost burden, I mean, insurers are feeling that squeeze as well. It's not just that the incidence of hurricane events is up, but premiums rise, of course, when the cost of labor in materials that it takes to replace and rebuild a damaged home have gone up as well things like concrete and structural steel and now, of course, as real estate investors, we can eventually pass on the cost of our higher insurance premiums to the tenant in the form of a rent increase, But when it goes up 60% in just four years. It's really hard to keep up with that. Florida's infrastructure is under some strain, too, and I see this when I drive the Tampa area. Every few years, I see more and more traffic. It takes me longer to get places like it takes me two or three cycles to go through a traffic light, where it only took me one cycle a few years ago. So roads and schools and utilities are under some duress to keep up with the population growth over the past decade, statewide commute times are up 11% you know, really that shouldn't be a surprise. I mean, that is common in any high growth area. Now, when it comes to insurance rate increases, there is a good chance that the worst is now over. Yes, Florida, insurance rate increases have been slowing down. The average rate increases have dropped quite a bit from 21% back in 2023 to a projected just two tenths of 1% for 2025 okay. I mean, that's basically no change expected for this year. Citizens, property insurance, that state option that I mentioned earlier, their rates are also shrinking, with some policyholders experiencing rate decreases of 5% or more. Now, I told you on a previous show that if you're looking to add rental property in Florida, go with new build properties for low insurance rates. But now I actually got a hold of some real policies between some of my properties and some of my friends properties. I've got them right in front of me here on a 1970s build single family home. I mean, the premiums can be high. We're basically paying 1% or more of the property's value in insurance premiums each year. So a 250k A valued single family rental that was built 50 years ago has a premium of $3,000 in some cases. I mean, that's a lot, but a close friend of mine recently went to GRE marketplace, got connected with one of our Florida providers. There, he bought a new construction duplex for I forget it was either 400k or 420k it's in Ocala, Florida, which is the central part of the state, and his 12 month insurance premium is $694. Wow. What a low premium for a duplex. That's why you go new build in Florida. Newer properties were built to today's construction and wind mitigation codes, and they have low insurance rates. And his duplex also appraised for 10k more than the purchase price. He has both sides already rented. And in fact, he closes on the property today, and yeah, I recommended that he go to GRE marketplace and get into Florida property, because that is indeed what he was interested in, and I sure wasn't going to stop him. So suffice to say, I clearly do not believe that Florida real estate is doomed. Florida has long been the antidote to high tax, high cost states, it has attracted snowbirds and retirees and hourly workers and increasingly younger professionals unable to crack housing markets elsewhere. Since the pandemic, millions of people have flocked to the state. I mean, when you look at a list of the fastest growing metro areas of the United States. I mean, Florida domination continues. You've still got big ones up there, like Lakeland of Florida is actually at the top of the population growth leaderboard nationally for metros with 500,000 or more people, Port St Lucie is also up there. It's third nationally, and Orlando is fourth. Three of the top four population growth metros are still in Florida, but this promise of sunshine and opportunity that has been replaced by something just a little less Sunny. I mean, you've got the rising home prices like Florida's not that cheap anymore, this diminishing affordability and this growing pressure on infrastructure, but Florida has definitely not completely lost its shine. People across the country are still moving to Florida, but not at the same rate that they did a few years ago, and the state is still seeing more people arrive then depart, besides the weather and the beaches that people love, of course, there's zero state income tax, and Governor Ron DeSantis has even proposed eliminating the property tax, like I mentioned to you on the show a while ago, although we can't count on eliminating the property tax anytime soon, if it ever happens. But wow, what a real estate boom that property tax elimination would create. So for the long term, which is what real estate investing is, I still like Florida. One thing that I don't like is trying to catch a falling knife, and that is analogous to say, investing in an area that is going down and has no future. Florida's got a future. It's got some challenges, just like anywhere in the US, but the reason it has a future is because more population growth is almost a guarantee. You don't get many guarantees in investing. Just look at the decennial census figures. Okay, this is the population of Florida every 10 years, starting in the year 1900 that's when they had 528,000 people, yeah, only about a half million people in the entire state, and I'll do some rounding here every 10 years after that. So in 1910 it was up to 750,000 people, then a million, 1,000,005 1,000,009 now we're up to 1950 where it grew to 2.8 million people, and then 5,000,006 point 8,000,009.7, 1316, 18.8 and then 21 and a half million in 2020, and it's 23 and a half million today. Now I only went as far back as 1900 there, but their census data goes back to at least 1830 and the growth has always been torrid, just uninterrupted. Every 10 years. There has been substantial to massive growth for at least 200 years, and Florida has still. Grown more than 2% per year each of the past couple years. In fact, it is still first place of all 50 states for population growth. So areas that are over supplied with housing in Florida are going to be absorbed. So Florida real estate is definitely not doomed. And in fact, adding more Florida real estate at this time, you know, that could very well be the type of thing where 10 years from now, or even five years from now, when their population is substantially bigger and there's less housing available. I mean, it could potentially look like a wise buy that you're able to get property at this time with less competition and maybe even a small discount here in the mid 2020s, and today, you can find three Florida markets listed at GRE marketplace. What else is happening at GRE marketplace? We've added two new markets, and they are also in the South. They are Jackson, Mississippi and Montgomery, Alabama. Yes, these areas are investor advantaged, and they have prices lower than most Florida markets. Though, I don't know that you'll see the net migration inflows into Jackson and Montgomery that you will in a lot of Florida markets. Jackson has a metro population of 600,000 and Montgomery 400,000 they both have really low property taxes. And there's something else that these two new GRE marketplace cities have in common. Any guess both Jackson and Montgomery are state capitals, yes, so they do have a base of government jobs. So check out gremarketplace.com read more about those cities. And of course, we even connect you with free investment coaching there to help you get matched up with some good property. Thanks for listening. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  37:10    Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  37:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to 66866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.   

Answering 4 important questions from newer traders, covering topics such as building income, learning through structured methods, managing risk & developing consistency. If you're interested in learning more about how to trade, check out our risk-free trial membership at www.TierOneTrading.comYour trading Coach - Akil

Australian icon Tex Perkins takes us through his legendary career, from The Cruel Sea & The Beasts recent works, to wild ARIA award nights, his atrocious habits with vinyl records, reissuing his works on vinyl and lots more.  Topics Include: Tex Perkins rehearsing with The Cruel Sea for upcoming gigs. Bringing back "deep cuts" from 30 years ago. Band already prepared the songs before his arrival. Feels like "personal karaoke" returning to old material. Gains fresh perspective on older songs with time. Sometimes writes songs instinctively, not from personal experience. Song "Hard For You" channeled rage he hadn't experienced. Recorded with Kid Congo Powers from Bad Seeds. ARIA Awards incident clarified - didn't stab anyone. Hit someone with a glass at an after-party. Molly Meldrum was present during the altercation. Lived with Jules Normington of Phantom Records. Paid rent by washing Jules' dishes. Had access to Jules' extensive record collection. Especially enjoyed 60s punk and garage rock records. Met John Foy, who was pedantic about record handling. Music scattered across many different record labels. Controls some albums, but not all. Universal owns The Cruel Sea and some Beasts albums. Axeman's Jazz recorded and mixed in six hours. Recent album "Ultimo" recorded differently - basic tracks then laptop. Modern recording allows more experimentation without studio costs. Prefers vinyl album lengths around 18-20 minutes per side. Three Legged Dog being released on three vinyl sides. Spanish reissues were "handshake deals" with unclear accounting. Appreciates unashamedly Australian content in newer bands. Newer bands don't hide their Australian accents. Never experienced censorship of his music. Had releases in different regions without his knowledge. No accounting from Big Time label after bankruptcy. Performed with The Legendary Stardust Cowboy in 1985. "Ledge" known for having "world's worst record" - Paralyzed. Backed Ledge with James Baker, Spencer Jones, Lachlan McLeod. Ledge progressively stripped during his performance. Threw Frisbee paper plates with drawings into the audience. EXTENDED, Commercial free, high resolution version of this podcast is available at: www.Patreon.com/VinylGuide Listen on Apple: https://apple.co/2Y6ORU0 Listen on Spotify: https://spoti.fi/36qhlc8