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Batérie nepatria do koša – a Marta Tomišová to berie doslova. V novej epizóde podcastu NA PLNÝ PRÚD si riaditeľ SEVA Patrik Križanský pozval k mikrofónu odborníčku na recyklačné technológie a jednu zo zakladateliek projektu ShredCo, ktorý má ambíciu spracovať na Slovensku až 20 000 ton lítiovo-iónových batérií ročne. Ako sa recyklujú batérie? Čo je to „black mass“ a kde v procese recyklácie vzniká? Prečo Európa čelí tlaku na surovinovú sebestačnosť, ako môže pomôcť recyklácia batérií a akú úlohu v tom môže zohrať Slovensko? V čom je mechanické spracovanie použitých alebo znehodnotených batérií ekologické a prečo si ShredCo vybral ako lokalitu pre svoj závod práve Šurany? Rozoberáme aj dopady európskej legislatívy, povinnosť recyklovať a opäť použiť vzácne kovy, ako aj výzvy spojené s rôznou chémiou batérií (NMC vs. LFP). Marta Tomišová vysvetľuje, prečo nestačí len vybudovať linku, ale kľúčové je mať aj odborníkov, výskum a prepojenie na školy. Téma, o ktorej sa ešte len začne hovoriť – recyklácia batérií ako potenciálny dôležitý prvok slovenského priemyslu. Počúvajte NA PLNÝ PRÚD ⚡
As baterias que usamos hoje são sustentáveis ou estamos ignorando um problema grave?Neste trecho do Market Makers, entramos no debate sobre as baterias dominantes no mercado atual. Explicamos como as baterias de íon-lítio (Li-ion) com ânodo de NMC (níquel, manganês e cobalto) se tornaram padrão, e por que o cobalto — extraído principalmente na África — gera tanta controvérsia ambiental e social.Mostramos como a indústria já busca alternativas para substituir o cobalto, devido a questões éticas e econômicas. Você vai entender a composição dessas baterias, como o grafite e o NMC atuam no processo de armazenamento de energia, e o que pode mudar nos próximos anos com novas tecnologias.Você acredita que a indústria vai realmente abandonar o cobalto ou isso é só marketing verde?
In this episode of State of the Nonprofits, we sit down with Kristi Colclasure, Executive Director of the Nonprofit Management Center of the Permian Basin (NMC). As a newcomer to West Texas with deep experience in nonprofit leadership, Kristi shares how the Center is embracing change, fostering collaboration, and equipping local organizations for long-term success. We explore the power of partnerships, the challenges and opportunities of navigating transition, and what's next for the NMC as it continues to support and strengthen the vibrant nonprofit sector of the Permian Basin. Whether you're a nonprofit leader, volunteer, or community partner, this conversation offers valuable insights into building resilience and driving collective impact in a time of change. "State of the Nonprofits" is a program of MSS produced in partnership with the Recording Library of West Texas.
Freya's music is characterized by contrasts between earthy rhythmic play and fragility, luminous spaces, and a sense of the otherworldly. She has been commissioned by numerous institutions and ensemblesHer current season includes Mother Tongue, a new four movement work for the London Philharmonic Orchestra and Ed Gardner; a new work for the Archipelago Collective's 10th anniversary festival on San Juan Island WA; and a new work for classical orchestra for the Orchestra of the Age of Enlightenment in response to Fanny Mendelssohn's Das Jahr. Also upcoming is the release on NMC of Waley-Cohen's Debut Disc, Spell Book, with performances from the Manchester Collective as well as Tamsin Waley-Cohen, Ann Beilby, Nathaniel Boyd, Hèloïse Werner, Fleur Barron and Katie Bray.Other recent successes include the world premiere of Pocket Cosmos, premiered in June 2022 by commissioners London Chamber Orchestra and directed by Pekka Kuusisto, and staging of Freys's contemporary dramatic song cycle Spell Book at Longborough Festival Opera and Waley-Cohen's first opera WITCH, commissioned in celebration of the 200th anniversary of the Royal Academy of Music.Freya was the 2019/20 Associate Composer at Wigmore Hall, which held a day of concerts in March 2023 focused on her music. She was also Associate Composer of St. David's Hall's contemporary music series, ‘Nightmusic', from 2018 – 2021. Winner of a 2017 Royal Philharmonic Society Composition Prize, Freya Waley-Cohen held an Open Space Residency at Snape Maltings from 2015 – 2017 and was 2016 – 2018 Associate Composer of Nonclassical.I spoke to Freya from her home in London.
In this podcast, Zoe Tobin, Nurse Advisor for Wessex LMCs is kindly joined by Gemma Burley, Registered Nurse, and course lead for the Foundation degree in Health & Social Care at Southampton Solent University. They discuss the role of the Practice Supervisor (PS) and Practice Assessor (PA) in supporting nursing students in general practice. This podcast covers: Why the PS/PA was introduced by the NMC, in place of the ‘sign off mentor' role The difference between the PS & PA roles and the role of the Academic Assessor (AA) Accountability concerns- around the use of the term ‘proficiencies' and recognised lack of available support and training for PS/PA in general practice Training and support available for PS/PAs Tips on how to support a struggling student- role of the PA/AA, action plans and reasonable adjustments Benefits of having a student nurse in practice. Practice Assessor Training, Wednesday, June 4 · 9am - 5pm, Find out more and book here: https://www.eventbrite.co.uk/e/practice-assessor-training-tickets-1292648359039?aff=oddtdtcreator
Description:In this episode of Kilowatt, we break down the latest EV battery tech, including the pros and cons of LFP vs. NMC batteries, different battery cell form factors, and how BYD's Blade Battery is shaking things up. We'll also discuss whether the Blade Battery is as fireproof as BYD claims (spoiler: probably not), and what's coming next in battery innovation. Buckle up—it's time to geek out on EV power!Support the Show:PatreonAcast+Other Podcasts:Beyond the Post YouTubeBeyond the Post PodcastShuffle Playlist918Digital WebsiteSources: QuantumScape - EV Battery Cell FormatsAutomotive Manufacturing Solutions - Top 5 EV battery chemistriesUfine Battery - BYD Blade Battery Comprehensive GuideSupport this show http://supporter.acast.com/kilowatt. Support the show at https://plus.acast.com/s/kilowatt. Hosted on Acast. See acast.com/privacy for more information.
Every person's heart is constantly trying to fill itself with something other than God. The trouble is it never works. Nothing in this world is ever enough. Jesus offers us a different path to a blessed life: the path of the pure in heart! ---Brad Bullock grew up in a non-Christian home, but his life was radically transformed as a teenager when he began to attend NMC with a friend. As he grew in his relationship with Christ, he felt the call to full-time ministry. Brad, his wife Kelsey, and their three kids live in Fort Wayne where he serves as the executive pastor of next generation at Pathway Community Church.
- Auto Stocks Tumble on Trump Tariffs - U.S. Tariffs Will Hurt Honda and Toyota First - Tesla Sales Plummet 49% in China - Tesla Chairperson Selling Off Stock - U.S. Car Sales Down in February - Volvo's Global EV Sales Fall 15% - GM Hires New Chief AI Officer - Ford's Lawler Joins ACEA Board - Chinese EV Sales Stall in SE Asia - BYD Raises $5.6 Billion in Stock Sale - BYD Develops 1,000 Volt Architecture - VW Charges Same for LFP ID.3 as NMC - NIO Develops Own Aluminum for Gigacastings
- Auto Stocks Tumble on Trump Tariffs - U.S. Tariffs Will Hurt Honda and Toyota First - Tesla Sales Plummet 49% in China - Tesla Chairperson Selling Off Stock - U.S. Car Sales Down in February - Volvo's Global EV Sales Fall 15% - GM Hires New Chief AI Officer - Ford's Lawler Joins ACEA Board - Chinese EV Sales Stall in SE Asia - BYD Raises $5.6 Billion in Stock Sale - BYD Develops 1,000 Volt Architecture - VW Charges Same for LFP ID.3 as NMC - NIO Develops Own Aluminum for Gigacastings
It's a Monday installment of The EST Hangout! Tom Gazzola is joined by Gerry Moddejonge and Derek Van Diest to discuss the Oilers options leading up to Friday's trade deadline Presented by Sentinel Storage!
Public safety is a 24/7 responsibility, especially for the team at Correctional Service Canada's (CSC) National Monitoring Centre (NMC). As the eyes and ears of CSC, especially during the critical after-hours, the NMC plays a vital role in maintaining public safety, monitoring offenders on various types of releases in the community to keep Canadians safe. In this episode, we speak with Daniel Kletke, a supervisor at the NMC, to learn how he and his team manage this crucial and dynamic responsibility.
Welcome to Top of the Morning by Mint, your weekday newscast that brings you five major stories from the world of business. It's Wednesday, February 5, 2025. This is Nelson John, let's get started. Despite India's solid track record of fiscal discipline and a narrowing fiscal deficit, international rating agencies like Moody's and Fitch remain cautious about upgrading India's sovereign rating. Currently, Fitch Ratings assigns India a 'BBB-' with a stable outlook, which is the lowest investment grade, suggesting good credit quality but vulnerability to adverse conditions. Similarly, Moody's and S&P rate India at 'Baa3' and 'BBB-', respectively. This contrasts with China's 'A+' and the US's 'AA+', indicating higher credit qualities and lower default risks. The hesitation to upgrade India's rating affects the cost of borrowing and investment attractiveness, crucial for economic growth, N Madhavan reports. Critics, including UNCTAD, argue that international rating agencies may be biased against emerging economies. Despite significant growth, robust financial systems, and strong foreign investor interest, India's rating has remained unchanged for two decades. India is set to develop its own AI chip, aiming to enhance its technological independence and global competitiveness. This initiative, led by the Ministry of Electronics and Information Technology in collaboration with the Centre for Development of Advanced Computing (C-Dac) and the National e-Governance Division, focuses on creating a chip using the open-source 'Risc-V' architecture. The goal is to support academic researchers and startups in building foundational AI models, Shouvik Das reports. High-level discussions have involved not only Indian experts but also US Big Tech firms and Taiwan's TSMC, to craft a chip fully made in India by 2027, leveraging local talents and resources. This move is part of a broader strategy under the India AI Mission, aiming to establish a domestic chip production capability that reduces reliance on foreign technology, particularly in light of recent geopolitical tensions and supply chain vulnerabilities highlighted by US restrictions.Rashmi Saluja's tenure as chairperson at Religare Enterprises may be nearing an end amid a contentious takeover battle. Despite efforts to stabilize the company post-bankruptcy, about one-third of its investors have voted against her reappointment ahead of the upcoming AGM on February 7th. The Delhi High Court has also declined Saluja any interim relief to halt the AGM proceedings. Investors, including the Burman family who owns 25.1% of Religare, have expressed a desire for new management to steer the company towards growth. With 31.85% of shareholders, including financial firms and mutual funds, voting against her, Saluja's reappointment seems unlikely unless there is an unexpectedly high turnout in her favour from smaller shareholders. The National Medical Commission (NMC) is gearing up to elevate India's postgraduate medical education to global standards by forming Specialty Expert Committees (SEC) for each speciality. Priyanka Sharma spoke to Dr B. Srinivas, secretary at the NMC, who said that these committees will develop model curriculums, assess educational institutions, and address academic needs, aiming to standardize and improve the quality of speciality courses across the country. This initiative, highlighted in a letter to medical colleges reviewed by Mint, also involves these expert committees in handling student grievances and other speciality-specific requirements. The NMC has called for nominations of faculty members ready to join this effort, with a deadline for submissions set for within 15 days. The move comes as part of a broader effort to address the disproportionate doctor-patient ratios in India by boosting both graduate and postgraduate medical manpower. Wingify, started in 2009 in Delhi, has grown significantly, boasting a global customer base and robust revenue growth, reaching ₹288.61 crore in 2023-24. This bootstrapped startup's success caught private equity firm Everstone's eye, especially Wingify's self-sufficient growth and strong technology base. This acquisition aligns with Everstone's focus on technology-driven firms, following a similar investment in MediaMint, Shadma Shaikh reports. The deal not only marks a significant phase for Wingify but also stands out as a successful bootstrapped venture in the SaaS space, showcasing that startups can achieve substantial growth without external funding. This event is seen as a boost for the Indian SaaS ecosystem, reflecting a mature, profitable company making a significant impact globally.
1月17日、日産自動車／日産モータースポーツ＆カスタマイズ（NMC）は、2025年のスーパーGT GT500クラスに参戦するドライバーラインアップを発表した。新シーズンも4チームから4台のニッサンZニスモGT500が参戦することになるが、エースナンバーである23号車NISMO、そして3号車NISMO NDDPにドライバーの変化がみられた。 投稿 日産自動車／NMC、2025年のスーパーGT GT500クラス参戦チーム体制を発表。NISMOの2台に変化 は autosport web に最初に表示されました。
「日産が「ノート オーラ」のスポーティグレード〝AUTECH SPORTS SPEC〟を設定」 日産モータースポーツ＆カスタマイズ（NMC）は、12月19日、ノート オーラ「AUTECH」のスポーティグレード「AUTECH SPORTS SPEC」を新たに設定し、2025年2月4日に発売すると発表した。
Northvolt's ambition was to become a European batterymaker to rival Chinese battery behemoths like CATL and BYD. They wanted to offer a homegrown supply chain to western automakers. But in November, the company announced its bankruptcy. So what went wrong? In this episode, Shayle talks to Sam Jaffe, principal at 1019 Technologies. They walk through Northvolt's timeline from founding to bankruptcy, including the loss of a $2B deal with BMW. They discuss lessons learned and cover topics like: What went well — from fundraising billions of dollars to securing major off-takers What didn't go well — like trying to build multiple types of batteries, in multiple factories, on multiple continents How venture capital investors may have pushed the company to be too ambitious The tradeoffs of choosing NMC over LFP Challenges with their equipment supplier Wuxi LEAD The upside: Sam's belief that Northvolt's factory will ultimately make batteries Recommended resources Latitude Media: What Northvolt's bankruptcy means for Europe's battery ambitions Intercalation: Battery production is genuinely difficult Bloomberg: Northvolt Has Major Obstacles Ahead Even With Bailout In Reach Catalyst is brought to you by EnergyHub. EnergyHub is working with more than 70 utilities across North America to help scale VPP programs to manage load growth, maximize the value of renewables, and deliver flexibility at every level of the grid. To learn more about their Edge DERMS platform and services, go to energyhub.com.
Dimitri Filipovic is joined by Steve Werier to tap into his experience working on player contracts with the Florida Panthers by talking about the NMC vs. NTC fallout from the Jacob Trouba saga, utilization of media to get your message out, competitive edges for teams in different markets, and strategy for rebuilding clubs. If you'd like to participate in the conversation and join the community we're building over on Discord, you can do so by signing up for the Hockey PDOcast's server here: https://discord.gg/a2QGRpJc84 The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate.
Duane and Hurls recap the Sabres current 7-game losing streak and discuss Kevyn Adams press conference: Sabres are too soft. When they panic, they can't rebound How involved is Terry Pegula still with roster decisions? Kevyn Adams press conference Kevyn's future as GM How does Lindy get this team back on track? The current state of the fanbase Is there trades to be made with players not eligible yet for NMC? Biz footage released More! Subscribe on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts Presented by Fattey Beer Co. and Buff-A-Logo Apparel Learn more about your ad choices. Visit megaphone.fm/adchoices
Send me a messageIn this episode of the Climate Confident podcast, I had the pleasure of chatting with Chris Kruger, founder of AYK Energy, a leader in marine battery innovation. Together, we delved into the exciting yet challenging world of maritime electrification and the technologies driving its growth.Chris shared insights into the evolution of marine batteries, from their humble beginnings powering communications systems to today's sophisticated propulsion applications. We discussed why lithium-iron-phosphate (LFP) batteries are emerging as the preferred choice for safety and cost-effectiveness, even as legacy technologies like NMC continue to dominate in some corners of the sector.A key takeaway was the potential of containerised battery solutions, which could revolutionise short-sea shipping by offering flexibility and scalability. Chris drew parallels between these modular systems and the old stagecoach model—simply swap in fresh batteries, and you're ready to go. It's a clever way to overcome range limitations while easing infrastructure challenges.We also explored the comparative merits of green fuels such as hydrogen and ammonia versus batteries. While hydrogen holds promise for long-distance voyages, Chris highlighted batteries' superior efficiency and practicality for short-sea routes. He also shed light on the role of hybrid systems as a stepping stone toward full electrification.Looking to the future, Chris explained how advances like solid-state batteries could transform marine electrification entirely, potentially enabling transoceanic voyages. It's a bit further off, but the trajectory is promising.Finally, we touched on the broader decarbonisation landscape and how companies like AYK Energy are making sustainable solutions affordable and accessible by leveraging economies of scale in manufacturing.Whether you're an industry insider or just curious about maritime innovation, this episode offers a grounded and thoughtful look at the technologies shaping a greener future for shipping.Support the showPodcast supportersI'd like to sincerely thank this podcast's amazing supporters: Lorcan Sheehan Jerry Sweeney Andreas Werner Stephen Carroll Roger Arnold And remember you too can Support the Podcast - it is really easy and hugely important as it will enable me to continue to create more excellent Climate Confident episodes like this one.ContactIf you have any comments/suggestions or questions for the podcast - get in touch via direct message on Twitter/LinkedIn. If you liked this show, please don't forget to rate and/or review it. It makes a big difference to help new people discover the show. CreditsMusic credits - Intro by Joseph McDade, and Outro music for this podcast was composed, played, and produced by my daughter Luna Juniper
In this episode, our guest speaker Lie, CEO of AM Batteries, discusses advancements in dry electrode manufacturing, a solvent-free alternative to traditional wet battery production that is more sustainable and cost-effective. Lee highlights how AM Batteries process eliminates the toxic solvent NMP, used in conventional methods, reducing both environmental impact and production costs by up to 40%. He explains that their dry process is compatible with various chemistries like NMC, LFP, and silicon anode and increases energy density by 5-10%, making it a versatile solution for the battery industry.
65. 4 Generations of Machining Legacy with Denny Smith from NMC, Inc.Denny is the 3rd generation owner and President of Northside Machine Company in Dugger Indiana. His son is now working in the business as well making him the 4th generation of Smiths to be involved in the business. This role is one that Denny takes very seriously, and he is determined to continue making NMC Inc the best company it can be. In this fun conversation recorded live at IMTS 2024, Denny talks about how his family has build NMC into a large machine shop by focusing on things that move the business forward, taking over the downtown of Dugger, and how a move to be more realistic about how the company was with its communication and empowering their already committed team members has made a world of difference!About NMC, Inc.:A family-owned and operated business, specializing in precision CNC milling and turning of metal and plastic parts, as well as CNC fabrication, welding, and assembly. Founded in 1965 as Northside Machine Company, NMC has been at its current location since 1982, and after several expansions over the years, it has become the 41,300 ft2 climate-controlled manufacturing facility that it is today. Currently, we provide high-quality components to the military, firearms, and aerospace industries. After many years of working successfully in these markets, we feel we offer something special to our customers: On-time Service, Quality Workmanship, and Competitive Pricing. NMC has built a first-class reputation on these characteristics.Follow Denny and NMC, Inc. on Social Media:Personal LI: /denny-smithCompany LI: /company/nmc-incWebsite: www.northsidemachine.comFacebook: /northsidemachinecoinc
The battery infrastructure is currently growing 3x faster than the solar industry. Records are beaten daily: in August 2024, for the first time, Chinese battery factories passed the 100GWh production mark. We are seeing industry giants consolidate their leadership while hopes of alternative technologies or promising start ups are being squashed.The prices are collapsing monthly, partly due to cheaper inputs, technological improvements and larger volumes, not dissimilar to what happened in recent years to the solar industry. Is LFP the winning chemistry or is there still a future for NMC?Laurent and Gerard bring Dr Engelke, Chair of Battery Associates, to try to make sense of it all. This young German company has been developing a world class expertise and how uses it to train the future work force is how to build a Gigafactory and how to optimize it. With clients like Tesla, VW and CATL, Battery Associates is in the thick of it. GenZ is defying all politicians by creating a transnational spirit of collaboration between Continents to promote a faster and more efficient future.Because in the end, it is all about Human Capital. China has benefited from our technology for decades, let's not be shy and emulate their playbook. It will be more efficient in the long term than lobbying regulators, whine and ask for tariffs and subsidies. Despite the roller coaster, never forget that in a fast-growing market, short term demand is generally overstated, while long term demand is generally understated. -----We don't often recommend other podcasts/YouTube (I know we should). If you are interested in Batteries, please listen/view this interview of Robin Zheng, CEO of CATL.Really fascinating https://youtu.be/5VIXjjw4u9A?si=enaf8fls2F82YxoXhttps://podcasts.apple.com/gb/podcast/catl-ceo-founder-robin-zeng-the-journey-to-market/id1614211565?i=1000669887553
Al Mitchell from Edmonton Sports 1440 joins us to give us the inside scoop on the Oilers heading into the season. He also gives some insights into the Pacific division and what we should expect. We then give our predictions for the 4 divisions. Listen Here: Apple Podcasts Direct MP3 iHeart Radio Title Player: Doug Risebrough Feedback News: Swayman and Bruins agree to 8 yr, 66 million deal NMC in yrs 3-6 and Mod NTC in yrs 7-8 $23MM in bonuses Tyson Barrie CGY 1yr $1.25 Season starts with Global Series Devils win 4-1 and 3-1 over Sabres in season openers Fri and Sat. Rest of league starts Tuesday Oct 8 . Jack Campbell enters Player Assistance program. Had signed 1 year deal with Red Wings. Out indefinitely.s Guess the 5th Connections -Last week - Denis Potvin, Larry Robinson, Scott Niedermeyer, Mark Howe - All played with their brothers THIS WEEK: Mark Howe, Dan Maloney, Ron Sutter, Joe Watson GUEST: AL MITCHELL - Edmonton Sports 1440 Oilers D Stan Bowman Pacific Division Preview Atlantic Division Preview PREDICTIONS
Ushering in the autumn with a mix of hazy dream-pop (Grouper remixing Slowdive, Efrim Manuck's latest drone-pop project), synths, and post-rock, with a Bossa Nova detour courtesy of the late Sérgio Mendes. Plus, stick around for hour three and an interview with Tess Roby, who's starting an NMC residency this very morning. Hope you enjoy it!Playlist: Slowdive, featuring Grouper - kisses (sky ii)WE ARE WINTER'S BLUE AND RADIANT CHILDREN - Uncloudy DayOmar S, AF13, Desire - MontanaSuuns - Vanishing PointVon Spar, Eiko Ishibashi, Joe Talia, Tasuhisa Yamamoto - IIIExperimental Music Summer Camp - MoscatTycho - DX OdysseyZachary Gray - SuburbiaCaribou - Come Find MeGhostkeeper - Astum OtaClinic Stars - Only HintingPeel Dream Magazine - RecitalDorian Concept - Hide - Bibio ReworkAbstract Crimewave - Flyga FramSergio Mendes - One Note SambaSergio Mendes - She's a CariocaTristan de Liège - WandererNaima Bock - Feed My ReleaseDana Gavanski - ReiterationRich Aucoin - FutureDawn to Dawn - Yours to KnowMui Zyu - The Rules of What an Earthling Can BeSleepkit - Peace of NothingPanda Bear, Sonic Boom - Peligro (Danger)The Mercury Program - Fragile or Possibly ExtinctNo Birds - Triplets to SolidsShecky Formé - Untitled (002)
There has been an epic battle over the past 20 years between two types of lithium-ion batteries: nickel manganese cobalt (NMC) and lithium iron phosphate (LFP). While NMC still boasts better energy density, LFP is making a major comeback thanks to its safer, more accessible materials and improving performance. However, China still dominates the LFP supply chain. In this episode, CEO Vivas Kumar of startup Mitra Chem weighs in on why America needs domestic production of LFP materials. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.volts.wtf/subscribe
Ständig übertrumpfen sich die Batteriezellhersteller mit neuen Bestleistungen. Mehr Ladegeschwindigkeit, höhere Energiedichten, mehr Power. Doch all diese Versprechen sind nichts wert, wenn sie auf dem Prüfstand von Jan Richter von Batemo nicht gehalten werden. Worauf es bei den Zellen ankommt und was die Zukunft für Technologien bereithält, klären wir in dieser Folge.
We need battery materials, but we also need to reduce mining and critical minerals extraction and centralizing production outside our borders. So, this week, we're talking about making batteries from old batteries. Mike O'Kronley, CEO of Ascend Elements, discusses the mission of his company to make batteries more sustainable by producing high-performance cathode materials from recycled batteries. The focus is on NMC batteries, which are primarily used in electric vehicles (EVs) and grid storage. By recycling critical minerals like nickel and cobalt, Ascend Elements helps address supply chain security and reduce the carbon footprint of battery production. The company also solves the problem of battery recycling, debunking the myth that EV batteries end up in landfills.Links:Ascend Elements: https://ascendelements.com/All episodes: https://www.everybodyinthepool.com/Subscribe to the Everybody in the Pool newsletter: https://www.mollywood.co/Become a member and get an ad-free version of the podcast: https://plus.acast.com/s/everybody-in-the-poolPlease subscribe and tell your friends about Everybody in the Pool! Send feedback or become a sponsor at in@everybodyinthepool.com! To support the show and get an ad-free listening experience, please jump in and become a member of Everybody in the Pool! https://plus.acast.com/s/everybody-in-the-pool. Hosted on Acast. See acast.com/privacy for more information.
For night three of Hunger Revival, we celebrated baptisms, worshipped through music, and spent time praying for ministries happening in and around NMC, and our Sewell Mill Launch Team.
The ‘glacial pace' of fitness to practise (FtP) investigations into nursing staff breached human rights, says the review team that examined the running of the Nursing and Midwifery Council (NMC).Following the publication of their damning report into the internal culture at the NMC, project manager Matt Baker from specialist consultancy Rise Associates spoke to senior reporter Alison Stacey for the latest Nursing Standard podcast episode about the most worrying and shocking aspects of their findings.But Mr Baker praised the NMC for opening its doors for the investigation to be carried out, and said the regulator had accepted the review's recommendations, including a commitment to reaching much swifter decisions in FtP cases, getting the process right and reducing the backlog.‘This has to be a watershed moment for them,' he said.For more episodes of the Nursing Standard podcast, visit rcni.com/podcast Hosted on Acast. See acast.com/privacy for more information.
Living Loud and Living Fast will explore the connections between musicians and motorsports. Highlighting how several well-known professional musicians from diverse genres took their interest in high-performance vehicles to regional, national, and sometimes international levels of motor racing competition. Mark Howell is a professor of Communications at Northwestern Michigan College. Prior to NMC, he was a visiting assistant professor in the Department of American Thought and Language at Michigan State University. As a Motorsports historian, Dr. Howell has published numerous articles and two books: From Moonshine to Madison Avenue: A Cultural History of the NASCAR Winston Cup Series (1997) and Motorsports and American Culture: From Demolition Derbies to NASCAR (2014). Since 2011, he has been a Senior Writer for frontstretch.com, where his essays appear every Wednesday during the racing season. Dr. Howell also spent three years (2001-2003) as a part-time crew member with Brett Bodine Racing in the Monster Energy NASCAR Cup Series, and has worked closely with drivers Hut Stricklin, Kenny Wallace, and Todd Bodine. This episode is part of our HISTORY OF MOTORSPORTS SERIES and is sponsored in part by: The International Motor Racing Research Center (IMRRC), The Society of Automotive Historians (SAH), The Watkins Glen Area Chamber of Commerce, and the Argetsinger Family - and was recorded in front of a live studio audience. ===== (Oo---x---oO) ===== The Motoring Podcast Network : Years of racing, wrenching and Motorsports experience brings together a top notch collection of knowledge, stories and information. #everyonehasastory #gtmbreakfix - motoringpodcast.net More Information: https://www.motoringpodcast.net/ Become a VIP at: https://www.patreon.com/ Online Magazine: https://www.gtmotorsports.org/
Strap in for this charged up conversation. Battery chemistry is a topic we've touched on before and is one we've committed to exploring further in this season. This conversation with Dr. Heather Platt, Co-Founder and Chief Battery Scientist at Platt Engineering Solutions, takes us on an expert-guided tour of battery chemistry.This conversation quickly moves us through battery chemistries like lead/acid and metal sulfides and into more modern mixed metal oxides with reversible chemistry. Our discussion of the pros and cons of various chemistries, including lithium-ion, touches on complex considerations including power density, voltage, global material sourcing, safety, and more. Manufacturing methods and the micro and nanostructures of battery materials are also discussed.If you're excited about the future of the battery field you'll be sure to enjoy Heather's views on up-and-coming battery technologies, including solid state and sodium-ion chemistries. Related episodes: Season 5, Ep. 1: Batteries unplugged: past, present and the electrifying futureBonus content:Access bonus content curated by this episode's guest by visiting www.thermofisher.com/chemistry-podcast for links to recent publications, podcasts, books, videos and more.View the video of this episode on www.thermofisher.com/chemistry-podcast. A free thank you gift for our listeners! Request your free Bringing Chemistry to Life t-shirt on our episode website. Use Podcast Code: laBcheM in June orLabRatsRul3 in July We read every email so please share your questions and feedback with us! Email helloBCTL@thermofisher.com About Your HostBorn and raised in Italy, Paolo Braiuca, a PhD in pharmaceutical sciences, co-founded a startup company after conducting research in biocatalysis in Italy and the UK. He transitioned from R&D to business development, working in commercial, product management, and marketing roles in the specialty chemicals, biotechnology, and pharmaceutical markets in Germany and the UK. A busy father of four, if asked, he'll call himself a “maker” at heart and enjoys inventing electronic devices in his free time.
Content Warnings Dismemberment, Discussion of death of a child, Executions, Military Conflict ** Getting your Solar Scout Gold Pin does not make you a soldier. Long ago, in the aftermath of the NMC disaster, Amity Archer fights to hold the rescue fleet together. Now, amidst the storm of the Settle fallout, Etianne Calsdottir fights to make her family whole. Sometime ahead, during the Seige of Tethys, Etta Hobb fights a battle that is hers by choice.Read the script here. ** The Cast Eka Etianneskin is voiced by Rue Dickey Etianne Toraswife is voiced by Christina McClain Link Greyskin is voiced by Kasha Mika Grey Linkskin is voiced by Vic Collins Yuri Eviesfather is voiced by Scott Paladin Sister-to-All is voiced by Lyssa Jay Etta Hankskin is voiced by E Marie Davis Dingo Navia is voiced by Kirsty Woolven Amity Archer is voiced by Lindsay Zana Hatima Bright is voiced by Rebecca Krause Elspeth Earl is voiced by Ashlee Jones Astrith Sophieschild is voiced by Ashlee Craft Dr. Zed Wild is voiced by Daisy McNamara Chief Wren is voiced by Mel Nichols Captain Callahan is voiced by Kate Bullen Captain Bedlow is voiced by Khai Truong ** This episode was written, directed, and edited by Scott Paladin. It was transcribed by Arielle Click. ** Click here for the episode's script. ** Welcome to the System Our Website Join the Law of Names Discord Follow us on Twitter Support us on Patreon The Fable of the Family theme was arranged by Amy Young, with lyrics by Scott Paladin, and is performed by Lindsey Zana and the Void Chorus Fable of the Family is a joint production between Law of Names Media and the Library of Cursed Knowledge. © This work is copyrighted by Law of Names Media, 2023 It may be freely adapted and remixed for non-commercial use with attribution to the original creators. The unaltered material may not be shared or distributed for any purpose without written permission from Law of Names Media. For adaptations and derivative works, please include the following: Created with permission from Law of Names Media. Based on original material from Breathing Space. All rights reserved.
Trade scenarios galore on today's show as Matt and Blake explore the possible paths to Canucks changes and improvements for next season. Given Elias Pettersson's struggles this season and his contract lacking a NMC, is that even a remote possibility? Rink Wide: Vancouver host Jeff Paterson then weighs in with opinions of his own on the Canucks choices of focus, whether it's wing or centre or right-handed defence. Jeff gets into the team's needs, especially within Rick Tocchet's system, and gives his thoughts on a couple of rumoured players including Martin Necas. Also, it's a Canadian Open edition of The Golf Report, plus the guys have an update on the red hot ticket sales for the BC Lions home opener!Presented by @ApplewoodAutoGroup.Follow us on social. Thank you to our sponsors:bet365 | Whatever the moment, it's Never Ordinary at bet365. Download the App today & use Promo Code VANBONUSGreat Clips | It's Gonna Be GreatGRETA Bar Vancouver | Our Home For Food, Drinks & Watching The GameHelp Stars Here | https://helpstartshere.gov.bc.ca/Mr. Lube | Over 16 locations in the Lower MainlandNorthlands Golf Course | 6-90 Day Reservations - Jump The Queue & Lock In Your Dates For $10 Per Player Booking FeeSleep Douglas | Named Canada's Best MattressVancouver Canadians | Get your tickets HEREWhistler Golf Club | Book Your Tee Times At The Arnold Palmer-Designed Course!Yellow Dog Brewing | Located in Port Moody (2817 Murray Street)Watch Sekeres & Price LIVE on YouTubeVisit CanucksArmy.com for the latest on the Canucks!Follow host Matt SekeresFollow host Blake PriceFollow producer Grady SasPowered by The Nation Network. Reach out to sales@nationnetwork.com Hosted on Acast. See acast.com/privacy for more information.
Trade scenarios galore on today's show as Matt and Blake explore the possible paths to Canucks changes and improvements for next season. Given Elias Pettersson's struggles this season and his contract lacking a NMC, is that even a remote possibility? Rink Wide: Vancouver host Jeff Paterson then weighs in with opinions of his own on the Canucks choices of focus, whether it's wing or centre or right-handed defence. Jeff gets into the team's needs, especially within Rick Tocchet's system, and gives his thoughts on a couple of rumoured players including Martin Necas. Also, it's a Canadian Open edition of The Golf Report, plus the guys have an update on the red hot ticket sales for the BC Lions home opener!Presented by @ApplewoodAutoGroup.Follow us on social. Thank you to our sponsors:bet365 | Whatever the moment, it's Never Ordinary at bet365. Download the App today & use Promo Code VANBONUSGreat Clips | It's Gonna Be GreatGRETA Bar Vancouver | Our Home For Food, Drinks & Watching The GameHelp Stars Here | https://helpstartshere.gov.bc.ca/Mr. Lube | Over 16 locations in the Lower MainlandNorthlands Golf Course | 6-90 Day Reservations - Jump The Queue & Lock In Your Dates For $10 Per Player Booking FeeSleep Douglas | Named Canada's Best MattressVancouver Canadians | Get your tickets HEREWhistler Golf Club | Book Your Tee Times At The Arnold Palmer-Designed Course!Yellow Dog Brewing | Located in Port Moody (2817 Murray Street)Watch Sekeres & Price LIVE on YouTubeVisit CanucksArmy.com for the latest on the Canucks!Follow host Matt SekeresFollow host Blake PriceFollow producer Grady SasPowered by The Nation Network. Reach out to sales@nationnetwork.com Hosted on Acast. See acast.com/privacy for more information.
Lithium Ion BatteriesLithium ion batteries are a popular type of rechargeable battery, used in a variety of devices from laptops and cell phones to hybrid and electric vehicles. Lithium ion batteries have grown in use due to their light weight, high energy density, and ability to recharge. While these batteries are used to store electricity and, therefore, as an element of alternative to fossil fuels, the process to mine and obtain lithium has harmful effects on the environment. Lithium is a soft, light metal found in rocks and subsurface fluids called brines. The mining of battery materials and manufacturing the batteries can generate significant amounts of greenhouse gas emissions. The disposal of these batteries is also a concern, as the battery cells can release toxins such as heavy metals into soil and groundwater if not properly disposed of. In these cases, lithium ion batteries have also been found to cause fires, which is especially dangerous if misplaced in a landfill. There is a growing effort to recycle these batteries due to the environmental issues and demand for batteries, but that faces obstacles as well. A New AlternativeDue to the concerns around the safety, cost and supply of materials for lithium-ion batteries, the industry is in search of more sustainable elements to use for batteries, such as manganese. Researchers at the U.S. Department of Energy's Argonne National Laboratory are developing lithium-ion cathode technology that has sustainable increased use of manganese. When a battery charges, lithium ions flow from the cathode to the anode, a process that reverses when the battery is discharged. Researchers have already created a nickel-manganese-cobalt (NMC) cathode material that is rich in lithium that has the potential to have increased storage capacity over conventional materials. The Argonne National Laboratory is working on a version of NMC technology that boosts the lithium and manganese content to improve the batteries energy density and safety while decreasing costs. A battery with a manganese-rich cathode is less expensive and safer than one with high nickel concentrations, but not without caveats. Increasing the manganese and lithium content can decrease the cathode's stability, impacting its performance overtime.Future of BatteriesThe U.S. Department of Energy has made it a priority to find more sustainable materials for electric vehicle batteries. Other strategies include decreasing the amount of cobalt by using higher percentages of nickel, but this also poses challenges. Nickel is more abundant than cobalt but less than a fifth of the current supply is suitable for battery use. In reality, there is less nickel than expected and increased use could cause a spike in prices. At the Lawrence Berkeley National Laboratory, a consortium of scientists is developing the commercialization of a new family of battery cathode materials called DRX, or disordered rock salt. DRX could provide batteries with higher energy densities than conventional lithium-ion batteries that contained metals in short supply, like nickel and cobalt. The consortium is focused on making DRX cathodes out of more affordable and abundant metals, like manganese and titanium. About our GuestDr. Jason Croy is a Materials Scientist at Argonne National Laboratory whose work focuses on the design, synthesis, and characterization of high-energy lithium-ion electrode materials. Prior to his work at the Argonne National Laboratory, Croy was a musician and toured with his rock band for nearly ten years before attending college. He taught himself physics before enrolling in college, then going on to earn his Ph.D. in Physics from University of Central Florida. Croy is an internationally recognized expert on lithium- and manganese-rich cathode materials and has published numerous articles on the atomic-scale mechanisms governing the performance of lithium-ion electrodes.For a transcript of this episode, please visit https://climatebreak.org/improving-lithium-ion-batteries-the-magnesium-solution/
Today, we welcome David Brickner to NMC. David is the CEO and executive director of Jews for Jesus, the leading Jewish mission and evangelistic organization in the world. He has dedicated his career to sharing the hope of the gospel with Jewish people worldwide.
On this episode the Steve Dangle Podcast, new MLSE CEO Keith Pelley speaks to the media (00:00), Brendan Shanahan answers tough questions (27:00), how does the MLSE regime plan on creating a winning team (50:00), Toronto's new WNBA team and the Leafs (1:04:00), Sheldon Keefe's message to Leafs fans (1:12:00), and Mitch Marner's NMC (1:24:00). Join SDP VIP: YouTube: https://www.youtube.com/channel/UC0a0z05HiddEn7k6OGnDprg/join Apple Podcasts: https://apple.co/thestevedanglepodcast Spotify: https://podcasters.spotify.com/pod/show/sdpvip/subscribe Visit this episode's sponsors: Tim Hortons Guests across Canada can start collecting the NEW Tim Hortons Greatest Duos Trading Cards set! Each card in the set consists of two icons - hockey rivals, teammates, family members and more - connected in a unique way. The set features a mix of current NHL® players, retired legends, and women superstars. Guests also have a chance to find a Collect to Win Golden Prize card and win exciting prizes, such as a 2024 Hyundai ELANTRA or Hyundai VENUE vehicle, or a trip to Montreal to watch a Canadiens game and meet Nick Suzuki. Visit a participating Tims location or the Tim's App for more details. https://timhortons.ca/TimsC2W Get 20% off + free shipping with the code DANGLE at https://ca.manscaped.com/dangle. That's 20% off + free shipping with the code DANGLE at https://ca.manscaped.com/dangle. For the best your boys have ever looked, trust MANSCAPED. Go to http://shadyrays.com and use code SDP for 50% off 2 or more pairs of polarized sunglasses. Visit https://www.betterhelp.com/sdp today to get 10% off your first month. That's https://www.betterhelp.com/sdp. Follow us on Twitter: @Steve_Dangle, @AdamWylde, & @JesseBlake Follow us on Instagram: @SteveDangle, @AdamWylde, & @Jesse.Blake Join us on Discord: https://discord.com/invite/MtTmw9rrz7 For general inquiries email: info@sdpn.ca Reach out to https://www.sdpn.ca/sales to connect with our sales team and discuss the opportunity to integrate your brand within our content! Learn more about your ad choices. Visit megaphone.fm/adchoices
In this podcast, the speaker discusses the implications of EU battery regulations on the BESS (Battery Energy Storage Systems) industry in Europe. The speaker express her opinion on how these regulations can enhance sustainability and quality standards within the EU market. Additionally, the speaker addresses the utilization of different cell chemistries such as NMC, LFP, and Na-ion, offering insights into which chemistry is likely to be adopted in BESS in the future. Furthermore, the speaker explores the concept of second-life batteries in BESS applications and provides insights into operational expenditure (OPEX) management within the BESS sector.
Interview with Alex Holmes, COO of Nano One Materials Corp.Our previous interview: https://www.cruxinvestor.com/posts/nano-one-materials-tsxnano-game-changing-battery-tech-receives-169m-investment-from-sumitomo-4028Recording date: 7th May 2024Nano One Materials, a Canadian technology company, is revolutionizing the production of cathode active materials, a critical component in lithium-ion batteries. With their innovative "one-pot" process, Nano One aims to significantly reduce costs, minimize environmental impact, and simplify the supply chain for cathode manufacturing.The company's patented technology streamlines the production process, enabling a 20-40% cost reduction compared to traditional methods. By mixing lithium and other raw materials in a single reactor, drying the slurry, and calcining it in a kiln, Nano One's process reduces the number of steps, waste streams, and water usage. This efficient approach is compatible with various cathode chemistries, including lithium iron phosphate (LFP) and nickel manganese cobalt (NMC).Nano One's business model focuses on licensing their technology to battery and auto manufacturers worldwide. This capital-light approach allows for rapid scalability and generates high-margin, recurring revenue through upfront fees and ongoing royalties. The company targets a $15 billion annual market opportunity outside China by 2035, with the potential to capture a 10% or greater market share.To accelerate commercialization, Nano One has formed strategic partnerships with industry leaders such as Rio Tinto, Sumitomo Metal Mining, and Worley. These collaborations provide access to high-quality raw materials, engineering expertise, and established customer relationships. Rio Tinto's high-purity iron production in Canada integrates seamlessly with Nano One's LFP process, while Sumitomo is refining the LFP product to meet specific customer requirements.The recent alliance with Worley is particularly significant, as it enables the joint marketing and licensing of a turnkey Cathode Active Material (CAM) plant design. This pre-engineered solution combines Worley's engineering know-how with Nano One's one-pot technology, allowing customers to accelerate project timelines and reduce technical risk.In addition to licensing, Nano One operates a small-scale LFP production facility in Quebec. This facility serves as a proof of concept, provides samples for customer validation, and generates initial cash flow from specialty applications. The company plans to expand its capacity to 2,500-3,000 tons per annum.While the company has yet to finalize a major licensing deal, the potential for substantial revenue growth is clear. As global battery demand is set to soar tenfold by 2030, driven by the adoption of electric vehicles and energy storage systems, Nano One is well-positioned to capitalize on this trend.Investors should keep a close eye on key catalysts such as the signing of the first commercial licensing deal, expansion of production capacity, and achievement of downstream customer validation. Although risks and uncertainties remain, Nano One's unique, protected, and strategically validated technology presents a compelling investment opportunity in the rapidly growing battery industry.View Nano One Materials' company profile: https://www.cruxinvestor.com/companies/nano-one-materialsSign up for Crux Investor: https://cruxinvestor.com
Get our free real estate course and newsletter: GRE Letter Apartment construction is falling. It's not because banks are pulling back from lending. Projects aren't feasible for builders. Housing market intelligence analyst Rick Sharga returns to discuss the real estate market. We discuss: real estate price movement, affordability concerns, expected mortgage rate changes, migration, price reductions, new homes vs. existing homes. Can anyone even find a new-build $225K detached SFH today? They're nearly extinct. Homebuilders are still buying down mortgage rates for you into the 4%s and 5%s at GREmarketplace.com. America needs more SFHs, especially at the entry-level. Apartment rents have declined a little. SFH rents are up about 3% year-over-year. Delinquency and foreclosure activity remains low. These have a strong correlation with unemployment rates. The volume of homes sales should increase this year, but only by perhaps 10%. A recession is still quite possible later this year and expected to be mild. Every region of the nation is currently experiencing residential RE price growth. When mortgage rates fall, more new buyers than sellers are expected, pushing up property prices. Resources mentioned: Show Page: GetRichEducation.com/496 Inquire about business with Rick: CJPatrick.com Rick Sharga on X: @ricksharga LinkedIn: Rick Sharga For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete episode transcript: Keith Weinhold (00:00:00) - Welcome to GRE. I'm your host, Keith Weinhold. Tons of new apartments were built last year, but that's abruptly going to change going forward. You'll learn why. Then a housing market intelligence analyst and I break down what's happening in the real estate market and the future direction of rents, prices, foreclosures, interest rates, and a lot more today on get Rich education. When you want the best real estate and finance info. The modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers are at no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple. Text GRE to 66866. And when you start the free newsletter, you'll also get my one hour fast real estate course completely free. Keith Weinhold (00:01:16) - It's called the Don't Quit Your Day Dream letter and it wires your mind for wealth. Make sure you read it. Text GRE to 66866. Text GRE 266866. Corey Coates (00:01:34) - 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 (00:01:50) - Welcome to grow from Alexandria, Egypt, to Alexandria, Virginia, and across 188 nations worldwide. I'm Keith Weinhold, holding your inside get rich education. I'm grateful to have you here. A few weeks ago, I discussed all the apartment buildings that were constructed last year. One thing that you'll often hear out there today is that apartment construction is now falling because banks are pulling back on construction lending. But no, it's really not quite that simple. In fact, that's not even the top reason for construction delays now and going forward with apartments. The number one reason for the delays today is that the project is not economically feasible at this time. That's what the NMC tells us. All right. So what does that really mean? Well, it means that projects aren't penciling out. Keith Weinhold (00:02:44) - In other words, apartment developers, they can't generate the returns that they need to justify the project to their capital partners, those that are funding the building. And this is, by the way, not about greedy developers, because contrary to some of the noise, it's the fact that developers do not self-fund their projects. They get the money from others. So yeah, it's the developer's job to convince investors and lenders to inject that capital. And that is just harder to do right now. Despite developer's best efforts and higher rates are obviously still contributing to the problem. It's not so much that the construction financing is not available, because for residential, it's often there. It's available. The thing is, is that apartment mortgage terms and rates are way less favorable than they were a couple of years ago, as we all know. So developers, I mean, they're paying a higher interest rate then. And you therefore need higher rent to cover that higher interest rate unless you can cut a lot of costs elsewhere and in apartments, you're also getting a lower loan to value ratio. Keith Weinhold (00:03:55) - So that means developers, they therefore need to raise even more equity in order to cover that gap. And what's happened is a lot of the equity that's shifted away from brand new ground up apartment development, and instead it's gone over into chasing potential lease up distressed deals, properties that are already out there and are having some problems. So that's where the apartment money is moving right now. Not so much to new developers and builders also aren't building many apartments this year because construction costs remain a problem. Some materials got cheaper, others didn't. One bright spot is that construction labor that is getting easier to find. But yet the actual labor cost that really hasn't dropped. Property insurance is higher too, so these rising expenses, that means apartment projects are not penciling out for builders and then apartment rents. They're just not rising that much. That doesn't help. So it's hard for it to rise, since so many were built last year and the year before. They're in the apartment world. But obviously the long term demand is for just about all residential housing. Keith Weinhold (00:05:11) - That demand. Is there loads of long term demand for apartments, condos, single family homes, co-ops, modular homes, mobile homes, duplexes, triplexes, fourplex container homes, row houses, farmhouses, penthouses, outhouses. I think you get the idea. The demand is there. Residential is the resilient spot, and it's all about where you want to get in. And speaking of homebuilders and finding a smart place to get in, it's important to share with you the good news that homebuilders are still buying down your interest. Right for you. Now the third year rate, it hit 8% last year. And Non-owner occupied property costs a little more. So it was nearly 9% on income property. It's come down off that as we know it's been around seven lately. But see here at GREwe work with builders that are still buying down your interest rate into the fives and sometimes still into the fours on new construction, single family homes, up to four plex and sometimes larger in Florida, Alabama and elsewhere. I mean, that is just the best deal going for you today to have an income producing new build property in the path of growth at 4 to 1, leverage to 5 to 1 leverage and. Keith Weinhold (00:06:46) - Your mortgage in the fives or less, and we'll help you find the real deals within that. To connect with a great investment coach at great marketplace.com. I think you'll be glad you did. Now, today, if somehow I could use a time machine to write a letter back to my 2020 self and inform myself about what's going to happen in the housing market for the next 4 or 5 years? And I had to keep this note to myself short. I would have written that everything is going to shoot way up, rents up, prices up, interest rates up, expenses up, inflation up. Well, now that nearly all of those run ups have settled into place, we can draw a clearer picture of where we think the real estate market is going to be positioned in the future. Our guest has just freshened things up and he's got the latest in the property market all updated for us. I do two with my own research. You'll like this. It's our housing intelligence analyst guests and I. Straight ahead. Keith Weinhold (00:07:55) - I'm Keith Weinhold. You're listening to get Rich education. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns, or better than a bank savings account, up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love. How the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to 66866. Role under the specific expert with income property, you need Ridge Lending Group and MLS for 256 injury history from beginners to veterans. Keith Weinhold (00:09:15) - They provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your pre-qualification and chat with President Caeli Ridge. Personally, they'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com. Kristin Tate (00:09:42) - This is author Kristin Tate. Listen to get Rich education with Keith Weinhold. Don't quit your day dream. Keith Weinhold (00:09:59) - Hey what has not been a very long goodbye. Just like last week when we discussed the economy this week we have the return of the C.J. Patrick Company's Rick Sharga, an extraordinary housing intelligence analyst, as we more specifically cover the real estate market. And if you're on video, you'll have the benefit of seeing some charts as well. Rick. Welcome back. Good to be back, Keith. Long time no see. Yeah, it hasn't been so long. What are your overall thoughts with the housing market? Last week we largely talked about a resilient economy potentially with some headwinds. Yeah we did. Keith Weinhold (00:10:32) - And I think we're one of the things we left off on was the impact that the Federal Reserve had had on the mortgage market and the housing market. We probably start there. When you look at what's gone on, and just to show you how random all of this can feel sometimes this is a snapshot of mortgage rates from March 12th. And mortgage rates were trading at about 6.92% for a 30 year fixed rate loan. Rick Sharga (00:10:56) - The most recent number I saw was about 7.1%. And as I mentioned to you and your listeners last time, I expect until the Federal Reserve makes its first fed funds rate cut, we're going to see mortgages trade right around 7% between 6.75 and 7.25%. This has made a big difference in the market because it has limited affordability for literally millions of prospective home buyers. That's makes for a difficult situation for people looking to buy or sell homes, but it also presents millions of rental property opportunities because these people need to live somewhere and they've voted themselves off the island temporarily. They just can't afford to buy a house. Rick Sharga (00:11:41) - And you see that in terms of the reduction in number of mortgage applications that are being made. So if the Mortgage Bankers Association tracks the number of people that apply for loans, if you went back to December when mortgage rates dipped just a little bit, we saw a run up of loan applications, and as soon as they went back up to seven, we saw that number fall off. It's a very, very rate sensitive market. We'll talk a little bit about some of the implications of that as we move ahead, Keith. But the weak affordability, the higher interest rates, the continuing high home prices led to a very, very weak year in 2023. In terms of overall home sales, we ended the year with about 3.9 million existing homes sold. That's the lowest number of homes sold in a year in a quarter century. Yeah, even lower than we saw in the Great Recession. And December was the 28th consecutive month where we sold fewer properties than we sold the year before. Keith Weinhold (00:12:39) - So a contraction in the number of sales, although prices appreciated last year. Rick Sharga (00:12:44) - Yeah, we'll talk about that this year. I'd been hopeful that we'd be a little bit of a better start. January and February were both up in terms of home sales on a month over month basis, but continued this trend of lower sales on a year over year basis. We're looking at 30 consecutive months where we sold fewer properties than we sold the prior year. As a result of this. Keith Weinhold (00:13:05) - Supply crash, that really began about four years ago. Rick Sharga (00:13:08) - It's partly supplied as partly costs, that affordability. We really can't overestimate the impact that affordability has had. But you're right in terms of inventory and in fact, a good segue, it's almost like you'd seen this before, Keith. Inventory is up significantly from last year, about 24% higher than it was a year ago, according to some data from Altos Research. But it's still only running about half of 2019 levels. So in a normal market, we would have about a six month supply of homes available for sale in our market today, we're looking at somewhere between two and a half and three months supply. Rick Sharga (00:13:44) - That lack of supply with some pent up demand is one of the reasons we have seen prices continue to be very healthy, and we haven't seen the the price crash that all the snake oil salesmen on YouTube comments. As of mid-March, about 513,000 homes available for sale, again, about 24% higher. Than last year when the numbers were just dismal. We normally do see more inventory coming to market this time of year. We'll not get anywhere near where we were back in, you know, years like 2019, 2020. But it wouldn't be a surprise to see a little bit more inventory coming to market. Keith Weinhold (00:14:21) - Now, Rick, for existing properties, we have the very well documented interest rate lock in effect. I think a lot of people understand that. But as far as bringing more supply onto the market, do you see anything from the builder side? You know, costs are up for builders and builders feel this lack of affordability from the buyer market as well. So therefore that motivates them to build somewhat less. Keith Weinhold (00:14:43) - And they're also building smaller properties, some shrinkflation with new construction property to try to help out with that affordability. So what are your thoughts with builder motivations this year and next year? Rick Sharga (00:14:54) - All that thought is we're going to get to new homes in just a couple of minutes. So keep that right forefront in mind. But let's just kind of wrap up on existing sales. I do want to point out to your listeners that the inventory growth is actually outpacing the number of new listings. So new listings are only up about 14% year over year, whereas overall inventory is up 24%. The reason for that is it's taking longer to sell homes once they get to market. So once those properties are listed, they're staying in the inventory numbers a little bit longer than they were last year or even a few months ago. So that's one of the reasons the inventory numbers look a little bit better than they did. You talked about the rate lock effect. It's still very real. About two thirds of everybody with a mortgage has a mortgage rate of 4% or less. Rick Sharga (00:15:43) - And this is not home sellers being picky or having a psychological problem. This is math. If you sell a property today and buy a new one for exactly the same price as the one you just sold, you've now doubled your monthly mortgage payment and most people simply can't afford to do that. So the properties being listed or by by people who feel like they need to sell, there's a death in the family or a birth in the family. There's a divorce or there's a marriage. There's a job loss or job that requires a transfer, maybe some financial difficulties where the borrowers in distress so they feel like they have to sell the home, or somebody's been retired for a long time, has a lot of equity, and just says, oh the heck with it. It's time for me to downsize. But the people who would normally be making a decision that maybe I'd like to sell, maybe I'd like to look at a move up opportunity. Those people are sitting on the sidelines and rather than seeing a price crash, which is what people are breathlessly trying to sell you on YouTube, the most likely scenario, something we've seen play out in the 80s and 90s and is likely to play out again in the 2020s, which is several years of kind of lackluster sales volume and modest price growth. Rick Sharga (00:16:54) - And it takes a few years to reset the levels so that all those people with the Sub4 mortgages gradually, slowly work their way out of inventory and are replaced by people with mortgages that are closer to today's rates. And we've seen that happen, like I said, in the 80s and 90s, and it's a very normal occurrence when you have a sudden shift in either mortgage rates or home prices, that's much more likely to happen than a 2030 40% drop in home prices to make things affordable. And I would just ask anybody who's skeptical, if somebody approached you tomorrow and you didn't have to sell, but they said, hey, sell me your house for 40% less than market value. How interested would you be in having that conversation? Keith Weinhold (00:17:36) - Wouldn't last long. Rick Sharga (00:17:37) - No. And then home prices are up in every region. You mentioned this, Keith. Across the country I'm sharing for people that can see it. I'm sharing data from the Fhfa, which is the entity that controls Fannie Mae and Freddie Mac. So all of those 30 year fixed rate conventional loans and a year over year basis, we saw prices go up 6.3%. Rick Sharga (00:17:56) - They were up in every region of the country. And that's a little different than the prior year when the Pacific region was actually down. But every region of the country is seeing price growth right now. And whichever price index you look at Case-Shiller,, Freddie Mac, the Fhfa index, National Association of Realtors, everybody showed similar numbers were every region was up. But importantly for your listeners and I emphasize this enough, local results are very different than national results. So even within markets where we're seeing prices go up, there are going to be neighborhoods where prices are going down and vice versa. So it's much more important for you to understand what's going on in your local market than to listen to a lot of these national trends. I will tell you that some of the markets that overheated during the pandemic, as people were moving out of high priced, high tax or highly congested areas, are seeing a bit of a clawback. So places like Boise, Idaho and Saint George's, Utah and Austin and Phoenix and Las Vegas, we're seeing those markets with the prices clawing back a little bit, a lot of price growth continuing the southeast. Rick Sharga (00:19:04) - So and surprisingly now in the Midwest as well. So we are still seeing a bit of a migration from high price, high tax areas into lower priced markets. I tell folks, Keith, I have two adult kids living at home. My son's getting married in September. He's a teacher. His fiance is a lawyer, and they took me aside recently and said, hey, you follow this stuff. What states should we be looking at outside of California to move so that we can own a house? Keith Weinhold (00:19:31) - Wow, that is really, really interesting that that would dictate their decision on where they live, if they have that much of a preference to own rather than rent. Recently, a lot of us in the industry learned that the average age of the first time homebuyer is now 36, older than ever. Rick Sharga (00:19:48) - Yep. And these are two kids with good heads on their shoulders. They know there are benefits to homeownership, and they also know that the median price of a home sold in California last month was almost $800,000, and the First National Bank of dad ain't financing that acquisition. Rick Sharga (00:20:02) - So I'm sure these conversations are happening in New York, in Chicago, in Miami and in San Francisco, and it's just the reality of today's marketplace. We talked about prices going up. We are seeing slightly more homes having a price reduction before they're sold. That always happens somewhere along the lines of 30 to 35% of homes listed wind up with a price reduction before they're sold. We're up to about 31% now, so we're still in the normal range, but we're a little higher than we've been in recent months. Keith Weinhold (00:20:35) - This is interesting, a statistic we don't talk about very much, the percent of homes experiencing list price reductions. Rick Sharga (00:20:42) - And it peaked in 2022. The highest number we've seen in quite a while was over 40%. And that was right after interest rates doubled. And so it's probably not a huge surprise. People were anticipating they were pricing based on the prior market. And I think we're seeing more rational pricing today. But again, that combination of prices just being as high as they are and interest rates being as high as they are, are creating some affordability issues. Rick Sharga (00:21:05) - And for people that have to sell, they're taking price reductions. Now, keep in mind these price reductions are often very, very minimal. In California, for example, the average price reduction is less than a percent. So it's not a huge reduction, but it's still a reduction from what the list price was. You asked about new homes. So now I'm going to make you happy. We'll talk about new homes. New home inventory levels are increasing. We normally want to see about a six month supply of existing homes for sale. The new home inventory is usually between 7 and 8 months. And we're back to that number right now. Some of those homes available for sale are still under construction, but they are nonetheless available for sale. And we've seen that inventory improve over the last year as supply chain disruptions have minimized as builders are now more able to find laborers for construction. Those are two huge holdups they had over the last couple of years, and we've seen new home sales increase. And one of the reasons for that is they're available. Rick Sharga (00:22:05) - So if you're a builder and you put a home in the market at the right price, you're going to sell it because there just aren't that many existing homes available for sale. And to your other point, Keith, new home prices are actually down 15% from peak. Existing home prices are up, new home prices are down. And in fact, if you look at the most recent new home pricing data put up by the Census Bureau recently, new home prices are at the lowest level since June of 2021. So they've really come down pretty significantly and are not that far away from existing home prices in many markets. So that median price of an existing home and the median price of a new home for sale are closer than they've been in years, partly because the builders are building smaller homes, partly because you're using less expensive fixtures. And the other thing that the builders have been doing, and this price is a lot of people, but it's brilliant on their part, is they're coming to closing with thousands of dollars and they're paying down mortgage rates. Rick Sharga (00:23:01) - They're buying points and dropping the mortgage rate for their buyers. I spoke to a group in Denver recently where there was a local builder advertising mortgage rates of 4.99%. So think about that. Keith Weinhold (00:23:13) - We have providers we work with here that are doing similar things. We're still seeing the rate buy downs happening, and that's why I've often told people, Rick, like, this is potentially a good time in the cycle when you're adding more rental property to really look at new builds or build to rent while these rate buy downs last. Now, I talked to a builder in Houston yesterday, and I learned a few interesting things. You talked about the smaller square footages. They could confirm that often times this builder offers either a bedroom or a study. You can get an extra bedroom or a study like a little office space. And more and more people are opting for the study. So they're starting to build homes more with the study in mind because more people are working from home and one less bedroom because people are having fewer children. Rick Sharga (00:23:57) - Exactly right. It's the combination of both of those two things, either having fewer children or having them later. And many more people working from home than they were prior to the pandemic. And those studies become very, very useful., rooms to have in the house. Rick, what. Keith Weinhold (00:24:12) - Is the lowest cost, new build, single family home that you see? I mean, is anyone even building in any parts of the nation, like a 225 K new build home? I haven't seen one. Rick Sharga (00:24:26) - I haven't seen one. But I wouldn't be surprised if you're in a market in a state like Alabama or Mississippi and some of the more outlying areas, maybe some markets in the Midwest where home prices aren't as astronomical as they are elsewhere. But look, the builders are building judiciously. They're not overbuilding., we had a cycle in 2008 where we had a 13 month supply of homes available for sale and building Irish building. They got caught with overstock. But what they are building, they tend to build as move up homes because they're more profitable. Rick Sharga (00:24:58) - So you're just not seeing an awful lot of entry level homes being built. And the hope is that as they build that first move up level home, some of the people with entry level homes will opt to sell and bring some of that inventory back to market. We are seeing more construction. We are seeing building permits,, going up on a year over year basis., most recent numbers are around 1.5 million permits. So the builders are bullish on the future. And housing starts were up in both January and February. Most importantly they're up most strongly in single family owner occupied homes. We're seeing housing starts to decline dramatically in terms of multifamily starts, right. But that's because there's about a million new apartment units coming online between last year and this year. And we don't need a whole lot more apartments., we need,, more single family homes. So if your listeners are seeing headlines talking about housing starts being lower, it's really because we're seeing fewer multifamily starts. Keith Weinhold (00:25:54) - Last year was a big year for multifamily construction. Rick Sharga (00:25:57) - All time high in terms of multifamily units under construction. And a lot of those are still coming to market this year. There are going to be some markets that are actually still oversupplied. So again, you have to be paying very close attention. When we talk a little bit about the rental market in the apartment category, we have seen apartment rents decline year over year in pretty much all categories. Whether you're looking at studio apartments, one bedroom apartments, two better apartments on a year over year basis, rents are actually in negative territory, according to Realtor.com and according to some data I've recently seen from RealPage. If you're looking at the actual price of rent and I know that's a little different than percentage increases or decreases, you're still seeing that rents about it's below peak. It's about 1.6% below the peak we hit in 2022,, when vacancy rates were just about nothing. But we are still below peak, and the median rent is ranging,, somewhere in the neighborhood of $1,700 a year for apartments, single family homes, which I suspect more of your listeners are actually,, renting out than apartments. Rick Sharga (00:27:03) - Yes. Are doing better. We're seeing year over year rents continue to grow. They're growing modestly. They have not gone into negative territory, and they haven't,, during this boom and bust cycle that we've seen in the housing market. And if you're looking at,, price gains, according to some recent data from CoreLogic, if you're at the higher end of the single family rental market, prices are up about 3% year over year. At the low end, they're up about 2.9%. So very little difference depending on your price tier and also very little difference depending on whether you're looking at an attached single family residence or,, detached family single family residence. All those are up right around 3% year over year. And that's a good sign. Again, you're dealing with a as your your listeners know, you're dealing with a slightly different tenant in a single family home than you are in a, an apartment. And a lot of these people who would have been buyers or opting to rent stands to reason that,, they'd rather rent a house, particularly if it's in a good school district or in a good neighborhood than an apartment, because they have needs. Keith Weinhold (00:28:06) - Rents are extremely stable historically. They just sort of plod up slowly. What happened about two years ago, three years ago, with that 15% plus rent increase, that's an aberration. Rick Sharga (00:28:19) - Yeah, that's a good point, Keith. If we're looking at 3% rental growth year over year right now in the single family rental market that tracks with historic normals, usually you're somewhere between 1 and 5% a year. So threes, you know, smack dab in the middle of all that. And the growth rates also vary wildly by markets., just kind of give you a range if you're looking at a single family rental property in Honolulu, in the city, year over year, you're up about 6%. If you're looking at a unit in Miami, Florida, you're down about 2.5%. Keith Weinhold (00:28:50) - So rental growth rates. Rick Sharga (00:28:52) - Rental growth rates. So really just depends on where you are. That's pretty much your range from a couple points down to I think Honolulu actually had the largest,, increase in the CoreLogic study. A lot of your listeners are probably interested in buying foreclosure properties. Rick Sharga (00:29:07) - We're not seeing a lot of foreclosure activity. Still, we are starting to see a little weakness in consumers. When we met last week, we talked a little bit about the strength of consumer spending, but we also talked about increasing amounts of spending on credit cards. And we're seeing consumer delinquency rates increase in pretty much every aspect of consumer lending, whether it's a loan, whether it's a credit card debt, whether it's an auto loan, whether it's a home equity line of credit, whether it's a mortgage, a mortgage, delinquencies are up a little bit. The only category we're not seeing an increase in delinquencies right now is student loans. And my theory on that is that people have only recently had to start making payments again on student loans, and we don't have any data to show that they're going delinquent yet. But the delinquency numbers we need to take with a grain of salt, because many of them are most of them are early stage delinquency. So somebody missed a payment, but then they catch up before they get 60 or 90 days delinquent. Rick Sharga (00:30:02) - But we are seeing trends that suggest more delinquencies. And if you have more delinquencies, that leads to more foreclosures. Mortgage delinquency rates, according to the Mortgage Bankers Association, went up to about 3.8% in the fourth quarter, the historic average going back to the 1970s, which is as far back as the NBA goes, is about 5.25%. So we're still way below normal levels of delinquencies. As I mentioned, most of those are early stage delinquencies, and they're being resolved before they get more serious. Because of that, we don't have a lot of foreclosure activity. So this is no longer Keith government intervention. It's no longer government forbearance programs and foreclosure moratoriums. It's the fact that the economy's been so strong. Unemployment rates have a very strong correlation to mortgage delinquency rates. We got together last time I mentioned the unemployment rate was at 3.9%. I just told you that word delinquencies are at 3.8. Can't get much closer than that. And because of that, foreclosure activity is still down almost 30% from where we were in 2019 prior to the pandemic. Rick Sharga (00:31:07) - And I should point out, the 2019 wasn't a particularly big year for foreclosures either. So I don't see us getting back to pre-pandemic levels of foreclosure activity until sometime next year. And what's important for people in this space to understand is that even though we're seeing roughly the same number of delinquencies that we saw back in 2019, fewer of those delinquent loans are going into foreclosure. Fewer of those foreclosures are getting as far as the auction, and even fewer of those are going back to the banks as REO properties or bank owned properties. Keith Weinhold (00:31:40) - Delinquency occurs before foreclosure. We have low levels of both, and I would imagine that one substantial reason for that are these low fixed rate payments that so many people have. Minutes ago, you showed us that 90% of those with a mortgage have a rate in the fives or less. And then oftentimes when we talk about these sorts of things, we don't even consider the fact that more than 4 in 10 homeowners are free and clear. They don't have any mortgage at all. So it's difficult for people to get in trouble. Rick Sharga (00:32:10) - Yeah. And when they do get in trouble, what's really a saving grace for a lot of these people? And I believe the reason we're seeing fewer foreclosure auctions and bank repossessions is that there's $31 trillion in homeowner equity in the market, and 90% of borrowers in foreclosure have positive equity. A huge percentage of those have at least 20% equity. So what's happening interesting is that many, many of these borrowers are protecting their equity by selling their home before the foreclosure sale. If they get to foreclosure sale, they run the risk of losing all their equity, or at least the overwhelming majority of their equity. Keith Weinhold (00:32:48) - That's a great point with how this really works. Rick Sharga (00:32:50) - And so if you're looking to buy a distressed property, if you're looking to buy a foreclosure property, you really need to be working directly with the homeowner in the earliest stages of foreclosure rather than waiting for the auction. And certainly rather than waiting for the bank to repossess the home and resell it. And some recent data from a friend of mine@auction.com tracking some numbers from Adam Data. Rick Sharga (00:33:15) - 55% of the distressed properties that were sold through from June through to September of last year were sold in that pre foreclosure period prior to the foreclosure auction. That's wildly different than we've been in in years past. So really important for anybody looking to buy distressed property, to consider moving upstream and working directly with that homeowner. And it's a win win. You can help that homeowner protect their equity, have some cash to make a fresh start with and, and typically buy a home in pretty good condition and a home that you need to be part of your rental portfolio. So just kind of recapping some of the stuff we talked about, Keith, both today and last week, I still think that from an economic standpoint, there's still at least a good possibility we might have a short, mild recession sometime later this year. I don't see unemployment going much higher than 5%. Even if we do have a recession, if we don't have a recession, we'll only see the economy slowed down a bit. It might be hard to tell the difference. Rick Sharga (00:34:10) - I'm expecting the volume of home sales to go up. I think we bottomed out in 2023, but not by a lot. Maybe we see a 10% lift over last year, which would take us to roughly 4.4 million existing homes. I wouldn't be surprised to see 700,000 new homes sold, really just depends on how quickly builders bring inventory to market. But if I'm right and mortgage rates go down slowly over the second half of this year, we'll see more home buyers come to market more quickly than sellers. We don't see a lot of sellers come to market until we get interest rates down to about 5.5% or lower, which probably won't happen until 2025. So more buyers coming to market than sellers means the prices will continue to go up. We continue to see investors account for 25 to 30% of all residential purchases. So I think we'll continue to see a higher rate, partly because investors are active, partly because a lot of consumers are waiting for market conditions to improve, but that limited affordability in today's market conditions, I really do think means more demand for rental units. Rick Sharga (00:35:14) - And I think foreclosure activity stays below normal levels for the rest of this year, and REO inventory bank repossessions are going to remain even lower for even longer. I don't think we see REO activity come back to more normal levels for at least a couple of years, so anybody looking to buy these properties really does need to be moving upstream in order to make those purchases. Keith Weinhold (00:35:34) - Yeah, with low affordability, hence more demand for rentals. I've already noticed that the homeownership rate, which is somewhat of a trailing number here, has already fallen from 66% to 65.7%. And with low affordability, it seems that that homeownership rate could fall even more, meaning the rate of renters would be higher. Rick Sharga (00:35:54) - A friend of mine always complains that the government's somehow beside behind all of these trends, one way or the other, and and wonders why, with all the government programs aimed at increasing homeownership, we haven't seen that homeownership rate increase much. And I think sometimes things said to the natural level and our homeownership rate, really for the last 30 years, has been somewhere between 64% and 66%. Rick Sharga (00:36:19) - And that might just be what the natural level for homeownership is in the United States. Will it dip a little bit as people can't afford to buy a house? Probably. Probably will. When market conditions improve for buyers, will it go up a little bit? Probably. But we hit 70% homeownership back in 2006. And it turned out that was the bad number and that not everybody's ready financially for the kind of commitment that homeownership requires. And so I've always said that the key isn't getting everybody into a home. It's the sustainability of homeownership for people that that we do get into that house. One of the best days of your life is when you get the key to that house, and it has to be one of the worst days if you have to give it back. So I hope we all keep that in mind as we move forward. Keith Weinhold (00:37:03) - That's right. Government incentives is in the past saying there's a $10,000 first time homebuyer tax credit. Oh, we're not in an era where we need help. On the demand side, all you're doing is driving up prices. Keith Weinhold (00:37:14) - And I don't know that you're helping out anybody in that case. But I think with really overall, one big takeaway here, Rick, is that if you the listener, if you're waiting for prices to drop substantially sometime or for interest rates to drop substantially sometime, that might not be worth the wait. You could be waiting a long time. Rick Sharga (00:37:32) - I do expect mortgage rates will decline. I don't really go back to the sub for rates we saw a few years ago, but they're going to decline slowly and they may not decline enough to offset rising home prices. I mean, you have to get your calculator out and and figure out how that math works for you. But you're absolutely right, Keith. And I tell people today, even with mortgage rates being where they are, if you find a house you love or you find a house that's a good investment and you pencil it out and the numbers work, don't wait because the opportunity costs can be severe and you could wind up missing out on a property that could either be a good cash flow unit for you on rental, or it could be a property that you wind up living in for the next 30 years. Rick Sharga (00:38:13) - So don't be afraid of today's market. Just be very prudent and judicious in the way you approach it. Keith Weinhold (00:38:19) - Well, Rick, get resuscitation of followers and the nation have been a beneficiary of your housing market intelligence expertise for quite a while now. If someone wants to engage with you in the CJ Patrick Company, who are those types of people and how could you help? Rick Sharga (00:38:36) - I appreciate the opportunity. Most of the companies I work with or companies that provide services to lenders, anybody who has a business that's in the real estate or financial services markets, who would benefit from my coming in to share with them industry data, or has data themselves that they would like to get out into the marketplace? Anything data related really, I tend to specialize in. So market updates and market overviews and market. Analysis or things that I do on a pretty much daily basis for companies. Keith Weinhold (00:39:07) - How can they engage with you? Rick Sharga (00:39:08) - They can find our website, which is C.J. patrick.com. They can find me on Twitter. I hide there under my name, Rick, or reach out to me on LinkedIn. Rick Sharga (00:39:17) - And if you reach out to me on on a social media channel, make sure that you mention you know me through Keith, and you're not some crazy Russian bot trying to hack into my personal information. Keith Weinhold (00:39:27) - Well, then, Rick, it's been great having you back on the show. Rick Sharga (00:39:30) - I'm sure we'll do it again sometime soon. Thanks for having me. Keith Weinhold (00:39:39) - Yeah, terrific Intel there. In this episode, Rick said that to still expect a lower amount of sales going forward and expect modest property price appreciation. Every region of the nation is seeing price growth now. And by the way, you remember that late last year, I unveiled Gray's home price appreciation forecast for this year, stating that prices should rise 4% and here in Q2, I still like how that looks. There is not much distress with current homeowners, but if you're looking to scoop up a foreclosed property cheap, you better get aggressive and work directly with the homeowner in the earliest stages of foreclosure. Don't wait for that property to go to auction. Rick also said more demand for rental units is coming, and I encourage you to engage with Rick. Keith Weinhold (00:40:30) - Let him know you heard about him through me. If you want to go deeper and engage with some of the services that he offers, perhaps you work for a real estate company or a demographic company. You can do that at C.J. patrick.com. But most of you, the listener is an individual investor. So check him out on X where his handle is Rick Sharga. He is Rick Sharga on LinkedIn. Big thanks to Rick Sharga today. Until next week I'm your host, Keith Wild. Don't quit your daydream. Speaker 5 (00:41:04) - 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 (00:41:32) - The preceding program was brought to you by your home for wealth building. Get rich education.com.
Kris and David are guestless as we discuss the week that was March 20-26, 2003. Topics of discussion include:We learn how Curt Hennig died the same week that “Bruiser” Brian Cox passes away.D-Lo Brown suffers a concussion in his first big TNA match.A.J. Styles uses an unfortunate slur on TNA's weekly PPV. (The same one he used everywhere else.)AJPW starts the Champion Carnival tour with some big foreign names in the tournament.NJPW runs some big shows with Yoshihiro Takayama defending his NWF Heavyweight Title against Scott Norton in the marquee match.World Japan's first tour is officially classified as a disaster.Konnan jumping from the WWC to the IWA in Puerto Rico.Samoa Joe winning the ROH World Title from Xavier and how undervalued Xavier was by the fans in this era.The story of the "ROH Riots."Portland Wrestling returning to TV. Again.An update on the WWE buying the ECW intellectual property rights out of bankruptcy court.John Cena getting hot with his raps.Los Guerreros hustling on the golf course on SmackDown.Stephanie McMahon & Brian Kendrick's "chemistry" in their segments together.Vince McMahon bloodies up Hulk Hogan during their WrestleMania contract signing angle.Shawn Michaels sounds off on Bret Hart on Off the Record on TSN in Canada.Steve Austin gets into a pillow fight with Cousin Sal on an early episode of Jimmy Kimmel Live.Vince McMahon makes a very odd appearance on The Late Late Show with Craig Kilborn.This was a funky time in wrestling history. and we had quite the show as a result!!!Timestamps:0:00:00 Curt Hennig cause of death and Brian Cox passes away0:25;02 NWA-TNA0:52:23 Eastern Hemisphere: AJPW, NJPW, NOAH, World Japan, BJPW, IWA Japan, Kageki, Michinoku Pro, NMC, Osaka Pro, Toryumon, WMF, AJW, GAEA, Jd', JWP, NEO, WWA, & TWA1:33:16 Classic Commercial Break1:36:40 Halftime2:20:27 Other North America: Stampede, CMLL, IWRG, Monterrey, Tijuana, & IWAPR2:29:05 Other USA: JerseyCW, ROH, IWAMS, MAW, AWS, Portland, & OVW2:56:25 WWETo support the show and get access to exclusive rewards like special members-only monthly themed shows, go to our Patreon page at Patreon.com/BetweenTheSheets and become an ongoing Patron. Becoming a Between the Sheets Patron will also get you exclusive access to not only the monthly themed episode of Between the Sheets, but also access to our new mailbag segment, a Patron-only chat room on Slack, and anything else we do outside of the main shows!If you're looking for the best deal on a VPN service—short for Virtual Private Network, it helps you get around regional restrictions as well as browse the internet more securely—then Private Internet Access is what you've been looking for. Not only will using our link help support Between The Sheets, but you'll get a special discount, with prices as low as $1.98/month if you go with a 40 month subscription. With numerous great features and even a TV-specific Android app to make streaming easier, there is no better choice if you're looking to subscribe to WWE Network, AEW Plus, and other region-locked services.For the best in both current and classic indie wrestling streaming, make sure to check out IndependentWrestling.tv and use coupon code BTSPOD for a free 5 day trial! (You can also go directly to TinyURL.com/IWTVsheets to sign up that way.) If you convert to a paid subscriber, we get a kickback for referring you, allowing you to support both the show and the indie scene.And if you'd like to support us while checking out the various promotions available on FITE TV, including their FITE+ subscription service, like BKFC, GCW, our friends at AIW and Black Label Pro, and more, you can sign up at TinyURL.com/BTSFITE.To subscribe, you can find us on iTunes, Google Play, and just about every other podcast app's directory, or you can also paste Feeds.FeedBurner.com/BTSheets into your favorite podcast app using whatever “add feed manually” option it has.Support this podcast at — https://redcircle.com/between-the-sheets/donationsAdvertising Inquiries: https://redcircle.com/brands
Kris and David are guestless as we discuss the week that was March 20-26, 2003. Topics of discussion include:We learn how Curt Hennig died the same week that “Bruiser” Brian Cox passes away.D-Lo Brown suffers a concussion in his first big TNA match.A.J. Styles uses an unfortunate slur on TNA's weekly PPV. (The same one he used everywhere else.)AJPW starts the Champion Carnival tour with some big foreign names in the tournament.NJPW runs some big shows with Yoshihiro Takayama defending his NWF Heavyweight Title against Scott Norton in the marquee match.World Japan's first tour is officially classified as a disaster.Konnan jumping from the WWC to the IWA in Puerto Rico.Samoa Joe winning the ROH World Title from Xavier and how undervalued Xavier was by the fans in this era.The story of the "ROH Riots."Portland Wrestling returning to TV. Again.An update on the WWE buying the ECW intellectual property rights out of bankruptcy court.John Cena getting hot with his raps.Los Guerreros hustling on the golf course on SmackDown.Stephanie McMahon & Brian Kendrick's "chemistry" in their segments together.Vince McMahon bloodies up Hulk Hogan during their WrestleMania contract signing angle.Shawn Michaels sounds off on Bret Hart on Off the Record on TSN in Canada.Steve Austin gets into a pillow fight with Cousin Sal on an early episode of Jimmy Kimmel Live.Vince McMahon makes a very odd appearance on The Late Late Show with Craig Kilborn.This was a funky time in wrestling history. and we had quite the show as a result!!!Timestamps:0:00:00 Curt Hennig cause of death and Brian Cox passes away0:25;02 NWA-TNA0:52:23 Eastern Hemisphere: AJPW, NJPW, NOAH, World Japan, BJPW, IWA Japan, Kageki, Michinoku Pro, NMC, Osaka Pro, Toryumon, WMF, AJW, GAEA, Jd', JWP, NEO, WWA, & TWA1:33:16 Classic Commercial Break1:36:40 Halftime2:20:27 Other North America: Stampede, CMLL, IWRG, Monterrey, Tijuana, & IWAPR2:29:05 Other USA: JerseyCW, ROH, IWAMS, MAW, AWS, Portland, & OVW2:56:25 WWETo support the show and get access to exclusive rewards like special members-only monthly themed shows, go to our Patreon page at Patreon.com/BetweenTheSheets and become an ongoing Patron. Becoming a Between the Sheets Patron will also get you exclusive access to not only the monthly themed episode of Between the Sheets, but also access to our new mailbag segment, a Patron-only chat room on Slack, and anything else we do outside of the main shows!If you're looking for the best deal on a VPN service—short for Virtual Private Network, it helps you get around regional restrictions as well as browse the internet more securely—then Private Internet Access is what you've been looking for. Not only will using our link help support Between The Sheets, but you'll get a special discount, with prices as low as $1.98/month if you go with a 40 month subscription. With numerous great features and even a TV-specific Android app to make streaming easier, there is no better choice if you're looking to subscribe to WWE Network, AEW Plus, and other region-locked services.For the best in both current and classic indie wrestling streaming, make sure to check out IndependentWrestling.tv and use coupon code BTSPOD for a free 5 day trial! (You can also go directly to TinyURL.com/IWTVsheets to sign up that way.) If you convert to a paid subscriber, we get a kickback for referring you, allowing you to support both the show and the indie scene.And if you'd like to support us while checking out the various promotions available on FITE TV, including their FITE+ subscription service, like BKFC, GCW, our friends at AIW and Black Label Pro, and more, you can sign up at TinyURL.com/BTSFITE.To subscribe, you can find us on iTunes, Google Play, and just about every other podcast app's directory, or you can also paste Feeds.FeedBurner.com/BTSheets into your favorite podcast app using whatever “add feed manually” option it has.Support this podcast at — https://redcircle.com/between-the-sheets/donationsAdvertising Inquiries: https://redcircle.com/brands
The Calgary Flames will be sellers at the trade deadline. Players like Chris Tanev and Noah Hanifin will certainly be on the move. Jacob Markstrom is interested in waiving his NMC if the offer is right. There's an argument to be made that the Flames should use the remainder of the season to try anything and everything possible. It would get players reps but you can fall back on the data for your summer and long term plans.Support Us By Supporting Our Sponsors!IbottaIndeed Right now, Ibotta is offering our listeners $5 just for trying Ibotta by using the code LOCKEDONNHL when you register. Just go to the App Store or Google Play store and download the FREE Ibotta app to start earning cash back.IndeedIndeed knows when you're growing your own business, you have to make every dollar count. Visit Indeed.com/LOCKEDON to start hiring now.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.Camino ConsultingAfter providing more than 20 years of service to small and midsize businesses, Camino is offering a digital seminar for families and couples. Go to www.caminoconsulting.ca and use discount code LOCKEDON for 25% off the rest of the month OR mention Locked On when reaching out for a business seminar and receive the first 5 profiles free.SleeperDownload the Sleeper App and use promo code LOCKEDONNHL to get up to a $100 match on your first deposit. Terms and conditions apply. See Sleeper's Terms of Use for details.GametimeDownload the Gametime app, create an account, and use code LOCKEDON for $20 off your first purchase.FanDuelGet buckets with your first bet on FanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning FIVE DOLLAR BET! That's A HUNDRED AND FIFTY BUCKS – if your bet wins! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Calgary Flames will be sellers at the trade deadline. Players like Chris Tanev and Noah Hanifin will certainly be on the move. Jacob Markstrom is interested in waiving his NMC if the offer is right. There's an argument to be made that the Flames should use the remainder of the season to try anything and everything possible. It would get players reps but you can fall back on the data for your summer and long term plans. Support Us By Supporting Our Sponsors! Ibotta Indeed Right now, Ibotta is offering our listeners $5 just for trying Ibotta by using the code LOCKEDONNHL when you register. Just go to the App Store or Google Play store and download the FREE Ibotta app to start earning cash back. Indeed Indeed knows when you're growing your own business, you have to make every dollar count. Visit Indeed.com/LOCKEDON to start hiring now. eBay Motors For parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply. Camino Consulting After providing more than 20 years of service to small and midsize businesses, Camino is offering a digital seminar for families and couples. Go to www.caminoconsulting.ca and use discount code LOCKEDON for 25% off the rest of the month OR mention Locked On when reaching out for a business seminar and receive the first 5 profiles free. Sleeper Download the Sleeper App and use promo code LOCKEDONNHL to get up to a $100 match on your first deposit. Terms and conditions apply. See Sleeper's Terms of Use for details. Gametime Download the Gametime app, create an account, and use code LOCKEDON for $20 off your first purchase. FanDuel Get buckets with your first bet on FanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning FIVE DOLLAR BET! That's A HUNDRED AND FIFTY BUCKS – if your bet wins! Visit FanDuel.com/LOCKEDON to get started. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices
Richie is joined by Kevin Barrett and Poppy from mindfulnurse.co.ukWriter and broadcaster Kevin Barrett came on to discuss the latest news from Gaza, the Houthi attacks on commercial ships in The Red Sea, the prospect of wider conflict and more. https://kevinbarrett.substack.com/Poppy is an experienced NMC registered nurse with a background in emergency medicine and primary care nursing. Poppy published a TikTok video calling for a public inquiry into the worrying increase in excess deaths in the UK. It went viral. Poppy came on to discuss her concerns with Richie. https://www.mindfulnurse.co.uk/https://www.instagram.com/Mindful_nurse_
On this episode of The Steve Dangle Podcast, the Leafs lose 4 straight aka the sky is falling (00:00), Mitch Marner's NMC (48:00), watch a hockey game with Steve on Saturday! (1:01:00), Julien BriseBois says the Lightning aren't trading Stamkos (1:04:00), the Ottawa Senators blow a lead the Avs (1:11:00), Amazon buys regional sports rights from Bally (1:15:30), and Terry Ryan joins the show! (1:21:30). Visit this episode's sponsors: https://www.temperance-spirits.com/ https://kingstonfrontenacs.com/ Follow us on Twitter: @Steve_Dangle, @AdamWylde, & @JesseBlake Follow us on Instagram: @SteveDangle, @AdamWylde, & @Jesse.Blake For general inquiries email: info@sdpn.ca Reach out to https://www.sdpn.ca/sales to connect with our sales team and discuss the opportunity to integrate your brand within our content! Learn more about your ad choices. Visit megaphone.fm/adchoices
Marc-Andre Fleury officially moves alone into second all-time for career goalie wins in the NHL after earning a shutout victory against the Islanders. Is this win enough to spark a run by the Wild? What is there to make about Bill Guerin's pregame presser about the state of the club? Who doesn't have a NMC written into their contract and who is worth exploring trade options? Is there any validity to any Eriksson Ek trade rumors? How will the Wild fare on their upcoming road trip? All these and more discussed on the latest Judd's Hockey Show! Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Marc-Andre Fleury officially moves alone into second all-time for career goalie wins in the NHL after earning a shutout victory against the Islanders. Is this win enough to spark a run by the Wild? What is there to make about Bill Guerin's pregame presser about the state of the club? Who doesn't have a NMC written into their contract and who is worth exploring trade options? Is there any validity to any Eriksson Ek trade rumors? How will the Wild fare on their upcoming road trip? All these and more discussed on the latest Judd's Hockey Show! Learn more about your ad choices. Visit megaphone.fm/adchoices
Marc-Andre Fleury officially moves alone into second all-time for career goalie wins in the NHL after earning a shutout victory against the Islanders. Is this win enough to spark a run by the Wild? What is there to make about Bill Guerin's pregame presser about the state of the club? Who doesn't have a NMC written into their contract and who is worth exploring trade options? Is there any validity to any Eriksson Ek trade rumors? How will the Wild fare on their upcoming road trip? All these and more discussed on the latest Judd's Hockey Show! Learn more about your ad choices. Visit megaphone.fm/adchoices
Marc-Andre Fleury officially moves alone into second all-time for career goalie wins in the NHL after earning a shutout victory against the Islanders. Is this win enough to spark a run by the Wild? What is there to make about Bill Guerin's pregame presser about the state of the club? Who doesn't have a NMC written into their contract and who is worth exploring trade options? Is there any validity to any Eriksson Ek trade rumors? How will the Wild fare on their upcoming road trip? All these and more discussed on the latest Judd's Hockey Show! Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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